Comparing the Best Travel Insurance for Laos: Vientiane, Luang Prabang & More

Laos, with its enchanting blend of ancient temples, serene landscapes, and vibrant culture, is quickly becoming a top destination for travellers seeking an off-the-beaten-path adventure.

Before you go sampling street food or trekking through the jungle in this Southeast Asian gem, don’t forget to buy travel insurance online before you go. 

Whether you need travel insurance for Vientiane's city explorations or travel insurance for Luang Prabang's outdoor adventures, having a policy in place with adequate coverage for your activities is crucial to safeguard yourself against unexpected events. In this article, we'll delve into the best travel insurance options available, ensuring you're well-prepared to enjoy all that Laos has to offer with peace of mind.

Table of Contents

• Why Do I Need Travel Insurance for Laos: Why Buy Travel Insurance from Singapore to Laos?
• Comparing Travel Insurance for Laos Plans for Different Needs
• Comparing the Best International Travel Insurance for Laos Price & Coverage
• How Much Does Travel Insurance from Singapore to Laos Cost?
• Does Travel Insurance Cover Car Rental Excess in Laos?
• Region-Specific Travel Insurance for Laos Advice
• How to Pick the Best Travel Insurance for Laos: Vientiane & Luang Prabang
• Travel Safety Tips for Laos

Do I Need Travel Insurance for Laos: Why Buy Travel Insurance from Singapore to Laos?

Yes, absolutely! Whether you're a solo traveller or venturing out with a group, adding travel insurance to your travel checklist can help protect you from unexpected events during your trip. Let's explore the specific reasons why securing travel insurance from Singapore to Laos is a wise decision.

Risks of Theft and Robbery in Urban Areas 

Travel insurance for Laos can cover financial losses due to theft or robbery, particularly in bustling urban areas like Vientiane or Luang Prabang where petty theft can be common in crowded markets or tourist hotspots. It reimburses you for stolen belongings, cash, and travel documents, providing financial security during your trip.

Coverage for Floods and Landslides During the Rainy Season 

Laos experiences heavy rainfall from May to October, leading to potential floods and landslides. Having travel insurance for Laos and other unforeseen events can provide coverage for trip cancellations, disruptions, or delays caused by such natural disasters.

Health Coverage for Tropical Diseases and Medical Emergencies 

International travel insurance for Laos is crucial as it includes coverage for medical expenses incurred due to tropical diseases like dengue fever or malaria, which are prevalent in the region. It also covers unexpected medical emergencies, ensuring you receive prompt treatment without worrying about hefty medical bills in unfamiliar healthcare systems.

Assistance for Travel Disruptions Due to Political Unrest 

While Laos is generally safe, political situations can change unexpectedly. For instance, in recent years, there have been sporadic protests and demonstrations in certain areas. Travel insurance can offer assistance and coverage for trip cancellations or interruptions caused by such events, allowing you to adjust your plans with confidence.

Financial Protection for Lost or Stolen Passports 

Losing your passport in a foreign country can be a stressful experience. With travel insurance from Singapore to Laos, you can receive financial reimbursement for the cost of replacing your passport and other necessary travel documents.

Coverage for Emergency Evacuations from Rural Areas 

Laos is full of scenic, amazing natural views. But many of these pristine areas are far from civilisations, which makes accessing medical facilities challenging. Travel insurance for Laos may include coverage for emergency evacuations from rural areas to the nearest medical facility, ensuring you receive timely care in critical situations.

Comparing Travel Insurance Plans for Laos with Different Needs

Stay protected with travel insurance while travelling Laos.

Overall Good Value: FWD Premium 

For travellers seeking a well-rounded travel insurance plan for Laos, FWD Premium offers a great balance of comprehensive coverage and affordability. With benefits like medical expense coverage up to S$1,000,000, trip cancellation protection, and coverage for COVID-19 related medical expenses, it provides peace of mind for your entire journey. FWD Premium is a smart choice for those who want robust protection without breaking the bank.

Lowest Price: Starr TraveLead Essential with COVID-19 Coverage 

Budget-conscious travellers heading to Laos will find Starr TraveLead Essential with COVID-19 Coverage to be a cost-effective option. While this travel insurance plan offers basic coverage for medical emergencies and trip cancellations, it importantly includes protection against COVID-19 related expenses at an affordable price, ensuring you're covered for unexpected all types of health issues during your travels.

Flight Cancellation or Delay: Tiq Travel Entry 

If you're worried about flight cancellations or delays disrupting your Laos adventure, Tiq Travel Entry provides specific coverage for these scenarios. This plan offers reimbursement for additional expenses incurred due to unexpected changes in your travel plans, allowing you to rebook flights or accommodation without significant financial burden.

Loss of Baggage: Singlife Travel Lite 

For travellers who prioritise baggage protection, Singlife Travel Lite offers coverage for lost or damaged luggage. This plan ensures you're compensated for the value of your belongings in case of unfortunate incidents like theft, loss, or damage during transit, giving you peace of mind while exploring Laos.

Trip Cancellation: FWD Premium 

FWD Premium not only offers comprehensive coverage but also provides robust trip cancellation protection. Whether it's due to unforeseen circumstances like illness, natural disasters, or personal emergencies, this plan allows you to recoup non-refundable expenses for flights, accommodation, and other pre-paid costs, minimising financial losses.

Pre-Existing Conditions: MSIG Standard Pre-Ex Plan 

Travellers with pre-existing medical conditions often face challenges finding suitable travel insurance. MSIG Standard Pre-Ex Plan is specifically designed for individuals with pre-existing conditions, offering coverage for medical emergencies related to those conditions while in Laos, ensuring comprehensive protection regardless of your health history.

COVID-19 Medical Expenses: Seedly Travel Safe 

Seedly Travel Safe offers a reassuring solution for travellers worried about COVID-19. This travel insurance plan for Laos ensures you have financial protection for medical treatment and hospitalisation costs if you contract COVID-19 while on your trip, easing concerns about unexpected health complications.

Extreme Sports: MSIG Premier Plan 

Adventure seekers planning to indulge in extreme sports activities in Laos will find the MSIG Premier Plan to be an ideal fit. This plan includes coverage for a wide range of adventurous pursuits like trekking, rock climbing, and water sports, ensuring you're protected from potential injuries or accidents while enjoying Laos' adrenaline-pumping activities.

Comparing the Best International Travel Insurance for Laos Price & Coverage

Travel Laos with a peace of mind.

FWD Travel Insurance

Premiums for individual single trip (1 adult):

• FWD Premium: S$24.63
• FWD Business: S$33.13
• FWD First: S$42.58

Premiums for family single trip (2 adults, 2 children):

• FWD Premium: S$56.39
• FWD Business: S$75.87
• FWD First: S$97.51

FWD Travel Insurance offers comprehensive coverage options with three tiers: Premium, Business, and First, catering to a range of budgets and needs. It's a popular choice among travellers to Laos due to its extensive benefits, including generous medical coverage and trip cancellation protection.

Coverage amounts and highlights of the plan include:

• Overseas Medical Expenses: Receive up to S$1,000,000.
• Hospitalisation Allowance: Receive up to S$10,000 for overseas hospitals, and S$1,500 for local hospitals.
• Loss or Damage of Baggage: Receive up to S$7,500.
• Trip Cancellation: Receive up to S$15,000.
• COVID-19 Coverage: Receive up to S$200,000 for COVID-19 related medical expenses.
• Other Types of Coverage: Adventurous activities, damage or loss of golf or sporting equipment, emergency dental expenses, rental car excess.
• Add-Ons: Cancellation for any reason, overseas medical expenses for pre-existing conditions, burglary of home whilst overseas.

Singlife Travel Insurance

Premiums for individual single trip (1 adult):

• Singlife Travel Lite: S$31
• Singlife Travel Plus: S$47.09
• Singlife Travel Prestige: S$52.79

Premiums for family single trip (2 adults, 2 children):

• Singlife Travel Lite: S$77.52
• Singlife Travel Plus: S$117.72
• Singlife Travel Prestige: S$164.47

Singlife Travel Insurance offers three tiers of coverage: Lite, Plus, and Prestige, with competitive premiums and varying levels of protection. It stands out for its unlimited medical coverage in its highest tier and diverse add-ons for specific travel needs.

Coverage amounts and highlights of the plan include:

• Overseas Medical Expenses: Receive up to unlimited coverage for the highest tier plan.
• Hospitalisation Allowance: Receive up to S$50,000 for overseas hospitals, and S$6,000 for local hospitals.
• Loss or Damage of Baggage: Receive up to S$8,000.
• Trip Cancellation: Receive up to S$20,000.
• COVID-19 Coverage: Receive up to S$200,000 for COVID-19 related medical expenses.
• Other Types of Coverage: Trip cancellation for any reason, replacement of traveller, TCM expenses.
• Add-Ons: Winter sports, golfing, overseas wedding and photoshoot.

MSIG 

Premiums for individual single trip (1 adult):

• MSIG Standard Plan: S$27.90
• MSIG Elite Plan: S$37.12
• MSIG Premier Plan: S$52.20

Premiums for family single trip (2 adults, 2 children):

• MSIG Standard Plan: S$66.60
• MSIG Elite Plan: S$84.15
• MSIG Premier Plan: S$116.10

Known for their extensive coverage options and high medical expense limits, MSIG Travel Insurance provides three comprehensive plans: Standard, Elite, and Premier. This makes it a reliable and robust choice for travellers seeking comprehensive protection against a wide range of travel mishaps in Laos.

Coverage amounts and highlights of the plan include:

• Overseas Medical Expenses: Receive up to S$1,000,000 for the highest tier plan.
• Hospitalisation Allowance: Receive up to S$50,000 for overseas hospitals, and S$6,000 for local hospitals.
• Loss or Damage of Baggage: Receive up to S$8,000.
• Trip Cancellation: Receive up to S$20,000.
• COVID-19 Coverage: Receive up to S$200,000 for COVID-19 related medical expenses.
• Other Types of Coverage: Adventurous activities, damage or loss of golf equipment, wedding clothing and accessories, legal expenses for wrongful arrest, funeral expenses.
• Add-Ons: No add-ons available.

Etiqa Tiq Travel Insurance

Premiums for individual single trip (1 adult):

• Tiq Travel Entry: S$23.40
• Tiq Travel Savvy: S$32.40
• Tiq Travel Luxury: S$43.20

Premiums for family single trip (2 adults, 2 children):

• Tiq Travel Entry: S$53.82
• Tiq Travel Savvy: S$74.52
• Tiq Travel Luxury: S$99.36

Etiqa Tiq Travel Insurance stands out for its affordability, offering three budget-friendly plans: Entry, Savvy, and Luxury – perfect for cost-conscious travellers. With unique benefits like automatic cover extension and coverage for emergency telephone charges, it's a practical and worry-free option for your Laotian adventure.

Coverage amounts and highlights of the plan include:

• Overseas Medical Expenses: Receive up to S$1,000,000 for the highest tier plan.
• Hospitalisation Allowance: Receive up to S$20,000 for overseas hospitals, and S$1,500 for local hospitals.
• Loss or Damage of Baggage: Receive up to S$3,000.
• Trip Cancellation: Receive up to S$10,000.
• COVID-19 Coverage: Receive up to S$200,000 for COVID-19 related medical expenses.
• Other Types of Coverage: Evacuation and repatriation, automatic extension of cover, loss of travel documents or personal money, emergency telephone charges
• Add-Ons: No add-ons available.

AIG Travel Insurance

Premiums for individual single trip (1 adult):

• AIG Travel Guard Direct: S$28
• AIG Travel Guard Standard:S$42.40
• AIG Travel Guard Enhanced: S$51.20
• AIG Travel Guard Supreme: S$77.60

Premiums for family single trip (2 adults, 2 children):

• AIG Travel Guard Direct: S$68
• AIG Travel Guard Standard:S$101.60
• AIG Travel Guard Enhanced: S$126.40
• AIG Travel Guard Supreme: S$189.60

AIG Travel Insurance boasts four comprehensive plans: Direct, Standard, Enhanced, and Supreme, with the highest tier providing substantial medical coverage. While it may not include specific COVID-19 medical coverage, it does offer coverage for trip cancellations and postponements due to COVID-19, making it a well-rounded international travel insurance plan for travellers concerned about potential disruptions during their trip to Laos.

Coverage amounts and highlights of the plan include:

• Overseas Medical Expenses: Receive up to S$2,500,000 for the highest tier plan.
• Hospitalisation Allowance: Receive up to S$50,000 for overseas hospital allowance.
• Loss or Damage of Baggage: Receive up to S$10,000.
• Trip Cancellation: Receive up to S$15,000.
• COVID-19 Coverage: There is no coverage for COVID-19 related medical expenses, however, you can receive up to S$7,500 for trip cancellation, S$1,500 for travel postponement due to COVID-19.
• Other Types of Coverage: Damage or loss of gold equipment, damage or loss of sporting equipment, loss of frequent flyer points due to travel disruption, rental car excess, loss of credit card
• Add-Ons: No add-ons available.

Great Eastern

Premiums for individual single trip (1 adult):

• Great Eastern TravelSmart Premier Classic: S$49
• Great Eastern TravelSmart Premier Elite: S$56.70

Premiums for family single trip (2 adults, 2 children):

• Great Eastern TravelSmart Premier Classic: S$116.90
• Great Eastern TravelSmart Premier Elite: S$148.40

Great Eastern Travel Insurance, with its two premium plans: Classic and Elite, under the TravelSmart Premier line, is tailored for discerning travellers. It's recognised for its high medical coverage limits and inclusion of coverage for adventurous activities and TCM expenses, making it an excellent option for travellers seeking no nonsense international travel insurance from Singapore to Laos.

Coverage amounts and highlights of the plan include:

• Overseas Medical Expenses: Receive up to S$500,000 for the highest tier plan.
• Hospitalisation Allowance: Receive up to S$50,000 for overseas hospital allowance.
• Loss or Damage of Baggage: Receive up to S$5,000.
• Trip Cancellation: Receive up to S$15,000.
• COVID-19 Coverage: Receive up to S$150,000 for COVID-19 related medical expenses, and S$5,000 for trip cancellation due to COVID-19.
• Other Types of Coverage: Adventurous activities, damage or loss of gold equipment, emergency telephone charges, TCM expenses, emergency dental expenses, maternity overseas.
• Add-Ons: No add-ons available.

How Much Does Travel Insurance from Singapore to Laos Cost?

Generally, you can expect to pay anywhere from S$20 to S$80 for a single trip travel insurance for Laos. A basic plan for a week-long trip might cost around S$20-S$30, while a comprehensive plan for the same duration could range from S$50-S$80.

The cost of travel insurance from Singapore to Laos can vary significantly depending on the level of coverage you choose, the duration of your trip, your age, and any additional benefits you opt for.

• Coverage level: Basic plans offer essential coverage for common travel mishaps with lower coverage limits. Comprehensive plans provide extensive protection, typically with more niche activities, and higher coverage limits. Mid-tier plans strike a balance between the two.
• Trip duration: The longer your trip, the more expensive your insurance will be.
• Traveler's age: Older travellers typically pay more for travel insurance due to the increased risk of health issues.
• Additional benefits: If you need coverage for specific activities (e.g. high-risk adventure activities) or pre-existing conditions, you'll need to pay extra.

Does Travel Insurance Cover Car Rental Excess in Laos?

Planning to rent a car to travel around Laos and see the sights? You might want to consider an international travel insurance plan with rental car excess cover. Not all plans will include rental car excess as standard, so you’ll want to review the specific policy details or contact the insurer to check if coverage is included.

Understanding Car Rental Excess and Travel Insurance Coverage

• Car rental excess: This is the amount you are liable to pay out of pocket if the rental car is damaged or stolen during your trip. It can be a substantial amount, so having coverage for it can save you from unexpected financial burdens.
• Travel insurance coverage: Some travel insurance policies in Singapore offer optional car rental excess cover as an add-on or as part of a more comprehensive package. This means the insurance will cover the excess cost that the rental company charges you in case of an accident or theft.

Important Considerations and Exclusions

Before you purchase a travel insurance plan with car rental excess cover for your trip to Laos, there are a few things to keep in mind:

• Policy limits: Policies that include car rental excess cover often have a limit on the amount they will reimburse. Make sure this limit is sufficient to cover the potential excess charges by the rental company in Laos.
• Exclusions: Be aware of any exclusions that may apply to the car rental excess coverage. Common exclusions include driving under the influence of alcohol or drugs, driving on unpaved roads, and damage to certain parts of the vehicle like tires and windscreens.

Region-specific Travel Insurance Advice for Laos

From exploring ancient temples in Luang Prabang to navigating the vibrant streets of Vientiane, there are many things to do in Laos. It’s crucial to tailor your travel insurance to the specific region you'll be visiting. Each area presents unique risks and activities, and your coverage should reflect that.

Vientiane and Major Cities

In Vientiane and other major cities, be mindful of petty theft and scams. Look for travel insurance for Vientiane that covers lost or stolen belongings, as well as medical emergencies that might arise from food poisoning or minor accidents.

Luang Prabang and Cultural Sites

Luang Prabang is a UNESCO World Heritage site with numerous temples, historical attractions and stunning natural landscapes. Some of the things to do in Luang Prabang include visiting temples or hiking in the rainforest. Consider coverage for personal liability in case of accidental damage to cultural artefacts. Ensure your travel insurance for Luang Prabang covers any potential injuries from activities like hiking to waterfalls or cycling around the city.

Vang Vieng and Adventure Destinations

Vang Vieng is a hub for outdoor activities such as kayaking, rock climbing, and tubing. Ensure your travel insurance covers adventure activities and potential injuries that might occur during these pursuits.

Southern Laos and Eco-Tourism Regions

Southern Laos is known for its natural beauty, with activities like trekking and wildlife spotting. Look for policies that offer coverage for medical evacuation and repatriation, as well as any injuries sustained during outdoor activities.

Rural and Remote Areas

Travelling to rural areas might involve limited access to medical facilities. Prioritise travel insurance with emergency medical evacuation coverage and 24-hour assistance services to ensure you can receive prompt medical attention in case of emergencies.

How to Pick the Best Travel Insurance for Laos: Vientiane & Luang Prabang

Here’s how to review international travel insurance plans so you can pick the best one for your Laos trip.

Step 1: Assess your travel needs

• Consider the specific regions you'll be visiting in Laos, such as Vientiane, Luang Prabang, or Vang Vieng.
• Identify any planned activities, like trekking, kayaking, or motorbike tours.
• Determine the length of your stay and the overall value of your trip.

Step 2: Understand coverage essentials

• Prioritise medical coverage for accidents and illnesses, including evacuation and repatriation.
• Look for coverage for trip cancellations, interruptions, and delays due to unforeseen events.
• Consider coverage for lost or stolen baggage and personal belongings.

Step 3: Compare policies

• Research different insurance providers and their offerings for Laos travel.
• Compare coverage limits, deductibles, and premiums for various plans.
• Read online reviews and ratings to gauge customer satisfaction and claim experiences.

Step 4: Check for exclusions

• Carefully read the policy documents to identify any exclusions or limitations.
• Check if pre-existing medical conditions or specific activities are excluded.
• Ensure that the coverage aligns with your itinerary and planned activities.

Step 5: Evaluate cost vs coverage 

• Balance the cost of the premium with the extent of coverage offered.
• Don't solely focus on the cheapest option; prioritise adequate protection for your needs.
• Consider whether additional coverage, like adventure sports or trip cancellation for any reason, is necessary.

Step 6: Review policy details

• Read through the policy wording to understand all terms and conditions.
• Pay attention to the claims process and the availability of 24/7 assistance.
• Ensure that the policy is underwritten by a reputable and financially stable insurer.

Step 7: Purchase from reputable insurers

• Choose a well-established insurer with a good track record in claims settlement.
• Check for online reviews and ratings to gauge customer satisfaction and reliability.
• Consider purchasing from a local insurer familiar with Laos's specific travel risks.

By following these steps, you can confidently review plans and choose the best international travel insurance for your Laos adventure, ensuring peace of mind and protection throughout your trip.

Travel Safety Tips for Laos

Laos is a beautiful country with a rich culture and friendly people, but it's important to be aware of potential risks and take precautions to ensure a safe and enjoyable trip.

• Road Safety: Traffic in Laos can be chaotic, and road conditions may vary. Be cautious when crossing streets, especially in urban areas, and consider hiring a reputable driver if you plan to explore outside of major cities. If renting a motorbike, wear a helmet and drive defensively.
• Food and Water Precautions: Stick to bottled water or filtered water to avoid waterborne illnesses. Be cautious with street food, opting for vendors with good hygiene practices or well-cooked dishes. Wash fruits and vegetables thoroughly or peel them before eating.
• Outdoor Activities: Laos offers stunning natural landscapes for trekking, kayaking, and other outdoor adventures. However, be aware of potential risks like uneven terrain, flash floods, and wildlife encounters. Always inform someone of your plans, carry a map and compass, and consider hiring a local guide for remote areas.
• City Exploration: When exploring cities like Vientiane or Luang Prabang, be mindful of your belongings and watch out for pickpockets, particularly in crowded areas like markets or tourist attractions. Use a secure bag or money belt to keep your valuables safe and be cautious when withdrawing money from ATMs.

Frequently Asked Questions About Travel Insurance for Laos

Does travel insurance cover adventure sports activities in Laos?

Yes, but it depends on your specific policy. Many travel insurance plans offer optional coverage for adventure sports like trekking, kayaking, or rock climbing. Check your plan to see what activities are covered or consider adding a rider for specific adventure sports.

How does travel insurance handle trip cancellations or interruptions in Laos?

Travel insurance typically covers trip cancellations or interruptions due to unforeseen events such as illness, natural disasters, or political unrest. Depending on your policy, you may be reimbursed for non-refundable expenses or receive assistance with rebooking flights and accommodation.

Are there specific exclusions I should be aware of in travel insurance policies for Laos?

Yes, common exclusions include pre-existing medical conditions, self-inflicted injuries, engaging in illegal activities, or travelling against medical advice. Carefully review your travel insurance plan's exclusions to understand what is not covered.

Can I extend my travel insurance coverage while I am in Laos?

Most travel insurance plans allow you to extend your coverage while you're still in Laos, provided it's within the allowed extension period and meets specific requirements. Contact your insurer to inquire about the process and any additional fees.

Are there age restrictions for travel insurance coverage in Laos?

While there are usually no strict age restrictions, some travel insurance plans may have limitations or higher premiums for travellers over a certain age, typically 65 or 70. It's essential to disclose your age and any pre-existing medical conditions when purchasing travel insurance.