I learned the hard way that insurance is important after I ended up in the hospital a few weeks ago. I've been doing some research and I think I've found the best option for most people. https://genki.world/?with=travistravelsvietnam This is the only insurance I could find that covers motorbike accidents, without a VN license, and also sports injuries and most "high-risk activities" (I play rugby). Available for citizens of every country under age 69. Long-term and short-term options. It's more expensive than other travel insurances but seems to cover the most and has good reviews about reimbursement and efficiency. *I receive a commission when you purchase anything with my links around the page. This helps cover the costs of hosting this group and supports the YT channel. I'll only ever recommend products I have used and trust or have researched thoroughly.