Travelling with family brings new experiences but also adds responsibilities. A sudden illness or misplaced baggage can disrupt your plans and cause unnecessary stress. That’s why it’s essential to secure the right international trip insurance policy. For parents, this insurance provides peace of mind and financial protection in the event of an emergency while abroad. Check out this practical guide for parents planning a trip to Vietnam.
Why Parents Need Medical Cover While Travelling
Travelling to a foreign country with children or elderly parents involves extra care. Medical costs in Vietnam can vary depending on the hospital and region. Travel medical insurance in Vietnam ensures you are not burdened with unexpected medical bills. It covers hospitalisation, outpatient care, medical evacuation, and even daily hospital cash in some cases. Without a valid policy, even basic treatment may cost thousands of rupees.
Choose a Family-Friendly Insurance Plan
When selecting a policy, it’s important to find one that meets your family’s specific needs. A single-trip policy is well-suited for a one-time holiday, while a multi-trip plan is ideal for frequent travellers. Some insurers also offer family travel plans that combine benefits for all members under one policy, simplifying documentation and claims. Plans designed for families often include a broader range of medical coverage and check-in baggage protections.
Understand What Medical Benefits Are Included
Before purchasing the policy, review the medical benefits in detail to ensure you understand them fully. Look for inclusions such as:
- Emergency hospitalisation
- Daycare procedures
- Outpatient treatment
- Dental care due to accidental injury
- Emergency medical evacuation and repatriation
Parents should also check whether pre-existing conditions are covered, at the very least, on a life-threatening basis. This is especially helpful if any parent has ongoing health issues like diabetes or hypertension. Selecting a higher sum insured is advisable for longer trips or for those with health concerns.
Include Check-In Baggage and Travel Delay Cover
Families often carry medicines, snacks, and other essentials in check-in baggage. Losing these can be a serious inconvenience. Most comprehensive policies include protection for delayed or lost check-in baggage. Coverage for trip delays, missed connections, or cancellations also provides an additional layer of financial support when plans change due to unforeseen circumstances.
Add Extra Features for a Safer Journey
Many policies offer optional add-ons that are useful for parents:
- Personal accident cover
- Loss of passport
- Personal liability cover
- Emergency cash assistance
- Coverage for a child escort in case of a medical emergency
Choosing a plan with a 24×7 helpline and multilingual assistance is also beneficial. This ensures that parents can receive support at any hour, regardless of language barriers.
Easy and Transparent Claims Process
Parents prefer convenience, especially during emergencies. Select a policy that offers app-based, paperless claims processing. Most insurers now allow submission through mobile apps or dedicated customer portals. You’ll usually need to upload scanned documents, such as hospital bills, boarding passes, and medical reports. Reading the brochure before travel helps ensure you are well informed about the claim process.
Consider the Premium and Value
Travel insurance is cost-effective when purchased online. The premium depends on the destination, trip duration, sum insured, and the traveller’s age. Some policies for Asia travel start at INR 500 per person for short trips. You can often get online savings when you compare and buy digitally. Payments can be made using debit cards, credit cards, UPI, net banking, or mobile wallets. Do not rely on or look for cash payment options, as they are not permitted under most insurer processes.
How to Purchase Travel Medical Insurance for Vietnam
Buying a travel policy for Vietnam is straightforward:
- Visit the official website of a registered insurer.
- Select Vietnam as your destination and enter your travel dates.
- Fill in the age and number of travellers.
- Select the appropriate medical sum insured and add-ons.
- Pay using any accepted digital mode.
- Download the policy document and note the emergency assistance number.
Always verify the coverage details from the official brochure or product page. Avoid relying on blogs or outdated sources. Brochures give accurate and up-to-date information.
Travel Checklist for Parents
Here’s what to review before departure:
- Ensure pre-existing conditions are declared and covered.
- Add all travellers to the same policy for easier claim handling.
- Keep digital and printed copies of your policy.
- Confirm coverage for check-in baggage and travel delays.
- Save the emergency helpline number on your phone for quick access.
Conclusion
For parents planning an international holiday, being prepared is more than packing well. A strong international trip insurance plan can help families stay safe during unexpected events. Whether it’s a medical emergency, lost passport, or delayed check-in baggage, the right protection makes a big difference. Choosing a reliable travel medical insurance policy in Vietnam ensures that your focus remains on creating happy memories, rather than handling avoidable stress. As one of India’s trusted insurers offers suitable plans for Vietnam-bound travellers, it’s wise to review their official brochures and select a policy that aligns with your trip.
*Standard T&C Apply
Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.
Claims are subject to terms and conditions set forth under the travel insurance policy.