🇻🇳Vietnam · Visitors InsuranceUpdated June 2026

Visitors Insurance for Vietnamese nationals Visiting the USA (2026)

Vietnam's public health insurance (BHYT) only works within Vietnam. Vietnamese visitors to the USA have zero health coverage and face full US medical costs.

✍️ Ty Taylor · TX #2608479TX·8 min read·A-Rated US Carriers

Vietnam's BHYT Has No Coverage Outside Vietnam

Vietnam's statutory health insurance (Bảo hiểm y tế / BHYT) covers treatment at contracted Vietnamese health facilities only — it carries zero claims authority outside Vietnam. Vietnam and the United States have no bilateral healthcare agreement. A US ER visit averages $3,100; short-term hospitalisation commonly runs $35,000–$100,000. With 2.1 million Vietnamese-Americans in California, Texas, and Virginia, parents visiting on a B-2 visa face enormous financial risk: a single cardiac event or stroke can produce US bills exceeding ₫2.5 billion with no BHYT reimbursement.

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The Vietnamese-American community is one of the largest Asian diaspora groups in the USA, and family visits from Vietnam to the US are extremely common — often without any health coverage.

What US Medical Bills Actually Look Like

Emergency Room Visit

$3,100–$8,000

Triage, exam, basic tests

One Night Hospitalization

$11,700–$22,000

Room, nursing, meals only

Cardiac Event Treatment

$75,000–$185,000

Catheterization, ICU, meds

Medical Evacuation Flight

$95,000–$250,000

Air ambulance, medical crew

Best Visitors Insurance Plans for Vietnamese nationals

All three plans below are accepted at any US hospital and purchased 100% online. Coverage certificate arrives by email in minutes.

IMG Patriot America Plus

Largest US carrier network · UHC PPO

✓ Up to $1,000,000 coverage
✓ $0–$2,500 deductible options
✓ Acute onset pre-existing: up to policy max (under 70)
✓ Emergency evacuation: $500K
✓ Available ages 14 days–99 yrs
✓ Multilingual 24/7 support

From ~$33/month (age 30–44)

Best for: First-time visitors, families, tourists

Highest Limits

WorldTrips Atlas America

Maximum coverage · Top evacuation benefit

✓ Up to $2,000,000 coverage
✓ $0–$5,000 deductible options
✓ Acute onset pre-existing: up to policy max (under 70)
✓ Emergency evacuation: $1,000,000
✓ Available ages 14 days–99 yrs
✓ Flexible coverage periods

From ~$30/month (age 30–44)

Best for: Seniors 65+, long stays, max protection

Best Value

Trawick Safe Travels USA

Budget-friendly comprehensive · Telehealth included

✓ Up to $1,000,000 coverage
✓ $0–$5,000 deductible options
✓ Acute onset pre-existing: up to policy max (under 70)
✓ Emergency evacuation: $500K
✓ Available ages 14 days–89 yrs
✓ Free telehealth included

From ~$28/month (age 30–44)

Best for: Budget-conscious, short stays, under 70

Compare All Plans — Get Your Free Quote →

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How Much Does Visitors Insurance Cost?

Price estimates below are for $100,000 coverage with a $250 deductible. Actual quotes vary by plan, exact age, state, and dates.

Age Group	30 Days	60 Days	90 Days
25–34	$28–$42	$55–$83	$82–$124
35–44	$33–$52	$65–$103	$98–$155
45–54	$45–$72	$89–$143	$133–$215
55–64	$72–$118	$143–$235	$215–$352
65–69	$115–$188	$229–$375	$343–$562
70–74	$165–$265	$329–$529	$493–$793
75–79	$215–$355	$429–$709	$643–$1,063

* Estimates based on $100K coverage, $250 deductible. Get an exact quote at towerhilltravelinsurance.com/quote.

Who Needs Visitors Insurance from Vietnam?

Tourists & Sightseers

Vietnamese nationals visiting US attractions, national parks, or major cities on a B-2 tourist visa. Coverage for the full duration of your stay.

Visiting Family & Diaspora

Vietnam's large diaspora in the US regularly brings parents, siblings, and relatives for extended visits. One plan covers the entire trip.

Business Visitors (B-1)

B-1 visa holders attending conferences, meetings, or business negotiations in the US. Full medical coverage while you work.

Students' Visiting Parents

Parents visiting children studying in the US on F-1 or OPT visas often need coverage for 30–90 day stays. Comprehensive plans available.

How to Buy Visitors Insurance in 4 Steps

Enter Your Trip Details

Travel dates, traveler ages, and country of citizenship. Takes 30 seconds.

Compare Plans Side-by-Side

See coverage limits, deductibles, and pricing for all three plans in one view.

Select & Pay Online

Choose your plan and pay securely with any major credit or debit card.

Get Your Certificate Instantly

PDF insurance certificate and ID card delivered to your email in minutes.

What Visitors Insurance Covers

Emergency room visits & hospitalization

Surgery & specialist consultations

Prescription drugs (related to covered condition)

Acute onset of pre-existing conditions

Emergency medical evacuation

Repatriation of remains

Urgent care & walk-in clinics

Ambulance transportation

Routine check-ups & preventive care

Pre-existing condition ongoing management

Dental cleaning / cosmetic procedures

Pregnancy & maternity (unless complications)

Frequently Asked Questions

Does Vietnam's BHYT (Bảo hiểm y tế) cover medical care in the USA?+

No. Vietnam's BHYT (health insurance card) only covers treatment at contracted Vietnamese healthcare facilities — it provides zero coverage in the United States. Vietnam and the USA have no bilateral healthcare agreement. Any US medical treatment is entirely your personal financial responsibility without dedicated visitor insurance. An ER visit alone averages $3,100; hospitalization commonly runs $35,000–$100,000.

Can I buy visitor insurance for my Vietnamese parents visiting the USA?+

Yes — this is one of the most common purchases we handle for the Vietnamese-American community. You can purchase a plan on behalf of parents or family members before or after they arrive. Plans cover travelers up to age 99 and most include acute onset coverage for conditions like hypertension, diabetes, and heart disease — essential for older Vietnamese visitors.

What visitor insurance is best for Vietnamese visitors to the USA?+

For Vietnamese visitors, we recommend IMG Patriot America Plus for A-rated coverage and acute onset pre-existing condition protection. Trawick Safe Travels USA Comprehensive is a strong value option. For Vietnamese seniors with cardiac history or kidney disease, WorldTrips Atlas America provides up to $2,000,000 in coverage. All plans can be purchased online in minutes.

Do Vietnamese citizens need a visa to visit the USA?+

Yes — Vietnamese citizens must obtain a B-1/B-2 visitor visa from a US Embassy or Consulate before traveling. When applying at the US Embassy in Hanoi or Ho Chi Minh City, including proof of visitor insurance can strengthen your application by demonstrating financial preparedness — BHYT provides zero US coverage, and consular officers want to see you can handle potential medical costs.

How much does visitor insurance cost for Vietnamese visitors?+

Plans typically start around $1.10–$2.00 per day. A healthy Vietnamese adult under 60 visiting for 30 days usually pays $35–$80. Seniors over 70 will see higher rates. The cost is minimal compared to the financial risk — a single US hospitalization can exceed ₫2.5 billion in charges with zero BHYT reimbursement.

Does visitor insurance cover pre-existing conditions for Vietnamese visitors?+

Most plans include acute onset coverage — if you have a managed condition like hypertension, diabetes, or heart disease and suffer a sudden unexpected emergency related to it, that emergency can be covered. Routine treatment or medication maintenance for stable conditions is not included. This is critical for older Vietnamese parents commonly visiting from Ho Chi Minh City, Hanoi, or Da Nang.

How quickly can I get coverage for a Vietnamese family member visiting the USA?+

Coverage can be active within minutes. Complete the quote form online, choose a plan, and receive your policy documents and insurance ID card instantly by email. For accidents, coverage begins immediately. For illnesses, a 24–72 hour waiting period typically applies — another reason to purchase before your family member boards the plane.

Can I buy visitors insurance after arriving in the USA from Vietnam?+

Yes, you can purchase a plan after arrival, but it's strongly recommended to buy before you leave Vietnam. Buying before departure eliminates illness waiting periods (typically 0–2 days) and ensures immediate accident coverage from day one. Some plans also won't cover conditions that appeared during any gap in coverage.

What if I need to extend my visitors insurance stay?+

Most plans allow extensions before your policy expires. You can typically extend online through the provider's portal. Extensions must be requested before the current policy ends — you cannot extend retroactively. Some plans allow extensions up to 364 days total.

How do I use my insurance if I need medical care in the USA?+

For emergencies, go to the nearest ER — call 911 if life-threatening. For non-emergencies, call your plan's 24/7 assistance line first; they can direct you to in-network providers. Always carry your insurance ID card (printed or on your phone). Most comprehensive plans reimburse claims within 15–30 business days after documentation is submitted.

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