TRAVEL INSURANCE for VIETNAM in 2025. Which do you choose? Comparative, tips, and discounts

If you’re planning a trip to Vietnam, surely you’ve already heard how important it is to have a good travel insurance. Though travel in this country it is generally safe, we are never exempt from unforeseen events such as illness, accidents or problems with the luggage.

In this article I share 5 key aspects that you should keep in mind before you purchase your travel insurance to Vietnam, starting from the most decisive factor: the medical coverage.

Comprehensive health coverage for illnesses and accidents

Although they often prefer not to think about it, the possibility of suffering an accident or illness during a trip there is always. that is why it is very important that your insurance includes a comprehensive health coverage.

French Hospital in Hanoi

• International hospitals and private can be

• International hospitals and private can be very costly in severe cases.

• Public hospitals tend to be saturated, have equipment limited and in addition, are not free.
• In critical cases, it may be necessary for a transfer to Bangkok or Singapore, where the hospitals are equipped with the most advanced technology.

After researching and contacting several insurance carriers, I have found that the medical costs that exceed 1.000.000 € are very rare. For this reason, I consider that a medical coverage 1,000,000 € is a good reference to travel with total peace of mind.

💡 What is the insurance provides adequate coverage at the best price?

According to my analysis, the insurance HeyMondo Trip Peace of mind it offers the best quality-price ratio in the present. Covers up to € 1,000,000 in expenses, medical costs, and is one of the most economic. Most below you can see an image comparison with the major insurance to visualize it easily.

If you prefer a more comprehensive protection, I recommend the insurance HeyMondo Travel Top or the technical secretariat Total Travel, which raise health coverage to 5.000.000 €. Between these 2, the insurance technical secretariat is 20€ cheaper, but the HeyMondo includes access to the VIP room, in the event of delay of flight, and the service of AirHelp to claim to the airline in case of delays.

In addition, you can take advantage of these exclusive discounts for being a reader of Adventures with Alberto:

• ✅ -5% discount with HeyMondo.
• ✅ -10% discount with technical secretariat

2️⃣ Attention in Spanish and assistance 24/7

For most travelers, Vietnam is an unknown country and its health system can be confusing. For this reason, if you suffer any mishap, it is normal to feel lost and vulnerable. In these moments, having support in your language is a support of incalculable value.

Not all insurers offer service in Spanish or 24-hour assistance. , however, the three plans a trip on the most trust — HeyMondo, technical secretariat and IATI — have a care in Spanish available 24/7, 365 days a year, which gives a lot of peace of mind.

In addition, all let you contact them via their mobile apps, which prevents spending on international calls, and facilitates a quick support wherever you are.

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💡 Exclusive discounts: For being a reader of Adventures with Alberto:

✅ -5% with HeyMondo, ✅ -10% with technical secretariat ✅ -5% with ATI

👉 So check the links and save on your travel insurance to Vietnam!

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3️⃣ Protection against delays, cancellations, theft and lost luggage

► Coverages included in the insurance HeyMondo, technical secretariat and IATI

If you travel often, you know that the delays and baggage problems are more common than we think. , In my experience, this type of problems have been the most frequent reason for that I had to make use of the travel insurance,

🔹 Coverage for theft or damage to baggage: The safe explored include this coverage, with compensation ranging from € 1,000 to€ 3,000, depending on the mode of insurance.

🔹 Compensation for baggage delay: If your luggage arrives later than you, the insurance offer trade-offs between 120€ and 350€. This is a cover that I’ve used on several occasions.

🔹 Compensation for delay of shipment: If your flight or train is delayed, you can receive between 150€ and 350€, depending on the time and the causes of the delay.

📌 These offsets depend on factors such as the length of the delay, the severity of the damage, or if the incident is due to causes of force majeure (for example, extreme weather events tend not to be covered).

💡 The modalities more “premium” offer a settlement higher. up The exact detail of each feature is provided in the conditions of the policy.

► Coverage AirHelp (HeyMondo and IATI) – you Could receive up to 600€

If your flight arrives, departs, or makes scale in the EU and suffers a delay of more than 3 hours, you could receive up to 600€ in compensation, according to the european legislation.

The problem is that to claim this money to the airline on your own can be a long process and frustrating.

🔹 Real-life example – My experience with Turkish Airlines: I Had a delay of more than 4 hours on my flight from Spain to Hanoi with a stopover in Turkey. Turkish Airlines was forced to pay me 600€, but the claim process was very tedious. If I were using AirHelp, the service would have managed everything for me, saving me a lot of frustration.

📌 The coverage AirHelp is included by default in the insurance HeyMondo, and is optional with the insurance of IATI. Thanks to this service, AirHelp takes care of the claim to the airline on your behalf, avoiding a large amount of work and needless frustrations.

If you want to know how it would be to claim for your account, I’ll explain step by step in this article:
👉 How to claim delay to Turkish Airlines
In my case, AirHelp it would have saved me many hours of effort and frustration.

Itinerary	Airline EU	Airline outside the EU
From within the EU until within the EU	Included	Included
From within the EU to outside the EU	Included	Included
From outside of the EU up to and within the EU	Included	–
From outside the EU to outside the EU	–	–

Access to VIP lounges with HeyMondo 👀

HeyMondo offers an exclusive benefit that can make your wait more comfortable in case of delays.

If your flight is delayed more than 2 hours, you can access to a VIP lounge in the airport, or to receive a refund of€50. To activate this coverage, you only need to register your flight on the app HeyMondo at least 24 hours before departure.

📌 Recommendation: In Vietnam, the delays air are common, so to be able to wait in a VIP lounge with food, drinks, wifi, and comfortable seating can really make the difference and make a bad experience to be transformed into something much more pleasant.

Sports coverage

In Vietnam, some of the sports that are common among travellers are:

• Trekking in areas such as Sapa or Phong Nha
• Kayaking in Halong or Cat Ba
• Snorkeling in the islands Cham, Nha Trang or Phu Quoc
• Bike rides in places such as Ninh Binh or Hoi An

Sports coverage	Insurance
✅ Included	HeyMondo Tranquility · HeyMondo Top · IATI Backpacking
❌ Not included	IATI Standard
🔍 Required to add as an extra	Technical secretariat

Ease of reimbursement, and direct payments

The three companies analysed, HeyMondo, technical secretariat and IATI, make direct payment to hospitals in case of a medical emergency (you will not need to advance you money).

📌 Important: To benefit from this service, you must contact your insurance company before going to the hospital. They will tell you the nearest medical facility where I can manage the direct payment, so that you don’t have to bear the initial cost of the care.

You can also manage refunds and compensation directly from your phone through your apps:

• Open issues through the app: you Can easily communicate problems such as transportation delays, theft or damage to baggage.
• Attach photos and documents at the time: Everything is managed from the app, without complications.
• Real-time tracking of the status of the process: you can check the status of your claims in real-time, at any time and from any place.

Conclusion: What travel insurance is highly recommend in 2025 to Vietnam?

🏆 My final choice: HeyMondo Trip Peace of mind

My clear recommendation to 2025 is the insurance HeyMondo-mode Trip Tranquility. key Aspects are:

1. It has a good price (in the low range between the insurance analysed).
2. Offers health coverage to 1.000.000 €
3. It includes the service of AirHelp Plus
4. And the option to add access to VIP lounges in case of delays.
5. In addition, coverages equivalent to those of the competitors in aspects such as cancellation, trip interruption, already started, and civil liability.

💡 Remember that you have a discount of -5% with Heymondo

💎 Alternative premium: HeyMondo Trip Top and the technical secretariat Total Travel

If you’re looking for coverage even more complete, I recommend two options:

• HeyMondo Travel Top: lift the medical coverage to 5.000.000 €, and includes access to VIP lounges in case of delays, and the service AirHelp Plus for claims. Its price is slightly higher than that of technical secretariat Total Travel.
• Technical secretariat Total Travel: also with 5.000.000 € of medical coverage, but at a cheaper price (up to £ 20 cheaper than HeyMondo Top in a trip of 2 weeks for 2 people). Do not include extras such as VIP rooms in case of delays of 2 hours or AirHelp.

💡 Remember that you can take advantage of exclusive discounts:

• ✅ -5% with HeyMondo
• ✅ -10% with technical secretariat