Travel Guard® Travel Insurance Frequently Asked Questions

In December 2024, Zurich Insurance Group acquired AIG's global personal travel insurance and assistance businesses, including Travel Guard. This acquisition strengthens Zurich's travel insurance capabilities and expands its global footprint.

Zurich Cover-More is the combined entity formed by bringing together Travel Guard with Zurich's existing travel insurance businesses, Cover-More Group. It will operate globally under this umbrella.

Existing policyholders will continue to be covered and serviced in accordance with their current policy terms and conditions.

For policies issued prior to May 31, 2026, you may still contact original insurer for assistance.

For policies issued on or after June 1, 2026, you will be assisted by the Travel Guard Vietnam team.

Please contact our 24-hour emergency assistance hotline at

Pre-existing medical condition means:

1. Any illness, disease, or other conditions, including symptoms, suffered by you, your travel companion or your relative, which in the one-year period before the policy issue date:

(a) First manifested itself, worsened, became acute or exhibited symptoms which would have caused an ordinarily prudent person to seek diagnosis, care or treatment;

(b) Required taking prescribed drugs or medicine, or tests or further investigation had been recommended by a medical practitioner; or

(c) Was treated by a medical practitioner or treatment had been recommended by a medical practitioner.

2. Any congenital, hereditary, chronic or ongoing condition of yours, your travel companion or your relative which you or they are aware of, or could reasonably be expected to be aware of, before the policy issue date.

All the benefits will not apply to any claim relating to existing health conditions.

Travel Guard does not cover any loss, injury, damage or legal liability arising directly or indirectly from planned or actual travel in, to or through Cuba, Iran, Syria, North Korea, or the Crimea, Donetsk People's Republic (DNR), or Luhansk People's Republic (LNR) Regions of Ukraine. Any sanction, prohibition, or restriction under United Nation resolutions or the trade or economic sanctions, laws, or regulations of the European Union, the United Kingdom, Switzerland, United States of America or any other applicable trade or economic sanctions law or regulation will not be covered as well.

There are no exclusions for general business trips under Travel Guard. Please refer to the terms and conditions in the policy wording for full details.

You have up to maximum of 30 consecutive days from your arrival in Vietnam to seek follow-up treatment. Please refer to the terms and conditions in the policy wording for full details.

We will automatically extend the Covered Period for Your Overseas Trip shown in Part A – Important Policy Information, for up to 72 hours if on the Policy Expiry Date shown in the Policy Schedule or the 90th consecutive day of any one trip under an Annual Multi-Trip policy, through circumstances outside your control, you cannot return to Vietnam due to strike/industrial action, adverse weather conditions, or mechanical breakdown/derangement or structural defect of public transport.

The Covered Period for Your Overseas Trip will automatically extend up to 30 days from the Policy Expiry Date shown in the Policy Schedule or 48 hours from your discharge (whichever is earlier) without payment of any additional premium if you are hospitalised and quarantined overseas as advised by the attending medical practitioner. Notwithstanding the above, in no event shall the length of a trip exceed 182 consecutive days in respect of Per Trip policy or 90 consecutive days in respect of Annual Multi-Trip policy.

You may purchase Travel Guard through our official distribution channels, authorized travel agents or contacting us directly.

You can purchase Travel Guard if:

• Your trip must commence in Vietnam;
• You must purchase the insurance before departing from Vietnam;
• Your departure date must be on or after the policy effective date; and
• For Return Trip and Annual Multi-Trip policies, you must return to Vietnam at the end of the trip.

Please note if you are above 65 years of age, the sum insured limit for some benefits including Overseas Medical Expenses and Personal Accident is lower. Please refer to the policy wording for full details.

The maximum trip period covered by Travel Guard is up to:

(i) 182 days for return per-trip plans; or

(ii) 90 days for any one trip under an annual multi-trip plan.

A per-trip policy commences cover from the time you depart Vietnam and ceases upon your arrival in Vietnam or the policy end date, whichever comes first. The maximum period of coverage for an overseas trip is 182 consecutive days. An annual multi-trip policy covers unlimited number of overseas trips, for up to 90 consecutive days each, within the policy year.

You must select the zone based on the highest zone destination that you intend to travel to. For example, if your travel itinerary is from Vietnam primarily to Indonesia but includes a stay in Australia, then you must select ASIA because ASIA includes Australia. If you only select ASEAN for Indonesia, then we will not meet any part of your claim that relates to or arises in Australia. This includes cancellation costs.

You may do this by contacting your sales agent or us prior to the policy's effective date.

Per-Trip policy: There will be no refund of premium once the policy is issued.

Annual Multi-Trip policy: If the policy is cancelled less than six months from the policy issue date, a short rate of 50% will apply except if there has been a claim against the policy during that time period. There will be no refund for cancellation of a policy after six months from the policy issue date.

Yes, you may extend your Per-trip policy subject to the following conditions:

• No loss has occurred, nor has any event arisen that could lead to a claim; and
• Your insurance policy has not yet expired; and
• Following the extension, the total duration of your trip does not exceed 182 days.

You can apply for an extension for this trip by submitting a request via our Customer Service Centre / Contact Us information. However, the total number of days for the trip must not exceed 182 days. You will be required to confirm your travel arrangements when you extend the policy. We will review your application for an extension before deciding whether or not to approve it. If we approve your application, additional terms, conditions and exclusions may apply.

You may contact your travel agency or us for guidance on the claim procedure.

Please contact:
Travel Guard Claims Department - Bao Viet Insurance Corporation
Address: No. 8 Le Thai To, Hoan Kiem Ward, Hanoi City.
Phone: TBC
Email: TGclaim@baoviet.com.vn