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Healthcare in VietnamOfficial sourcesOct 2026

Laser Eye Surgery in Vietnam: LASIK, Recovery and Risks

Laser eye surgery in Vietnam comes under the same licence rules as other medical care: the clinic needs an operating licence, and the person treating you needs a valid practising licence. We found no Vietnamese rule that names LASIK, SMILE or PRK, and no official price. So this guide takes what the procedures are, who should not have them, the risks and the recovery from the US FDA, the NHS and the UK's Royal College of Ophthalmologists. Each point names the body that says it.

Short answer

Who may do laser eye surgery in Vietnam?
A practitioner with a valid practising licence who has registered to practise, in a facility with an operating licence. Those are the general licence rules in Vietnam's Law on Medical Examination and Treatment (No. 15/2023). No source we read names who may perform laser eye surgery or which practice scope covers it. Who may do it in Vietnam.
LASIK, PRK or SMILE?
All three reshape the cornea. LASIK uses a flap, PRK scrapes away the top layer, and SMILE removes tissue through a small incision. The Royal College says the risks and benefits are similar. LASIK, PRK and SMILE.
How long is recovery?
You usually go home the same day (NHS). For LASIK, the FDA says vision may take up to three to six months to settle, with a doctor visit in the first 24 to 48 hours and visits for at least six months. Recovery and aftercare.
How soon can you fly home?
We found no official answer, so this page gives no number of days. The FDA, NHS and Royal College pages we read do not cover flying. Flying home after surgery.
What should you check before booking?
Your age and a steady prescription, your eyes, the clinic and the surgeon, aftercare, and take time to decide. The FDA, NHS and Royal College each set out checks, and Vietnam's law requires a licensed clinic and a licensed practitioner. Who says what to check.
What does it cost?
We found no government or embassy price for Vietnam, so this page gives none. What it costs.

Sources: Law on Medical Examination and Treatment No. 15/2023/QH15 (consolidated text); US FDA, What is LASIK?; Royal College of Ophthalmologists, Laser vision correction patient information (PDF); NHS, Laser eye surgery and lens surgery; US FDA, What should I expect before, during, and after surgery?

What are LASIK, PRK and SMILE?

They are three ways to reshape the cornea, the clear front of the eye, so it focuses light better. The Royal College of Ophthalmologists says laser vision correction reshapes the cornea to reduce dependence on glasses or contact lenses.

The FDA explains LASIK and PRK. It says LASIK reshapes the cornea by precise and controlled removal of tissue with a special laser. The same type of laser is used for LASIK and PRK. The big difference is how the surgeon reaches the middle layer of the cornea. In PRK, the top layer is scraped away. In LASIK, a flap is cut and folded back.

SMILE is described here by the Royal College only. It lists three types of procedure commonly used in the UK: LASIK, surface laser treatments (PRK, LASEK and TransPRK), and Lenticule Extraction (SMILE, CLEAR, SmartSight and SILK). In Lenticule Extraction, a femtosecond laser marks out a lens shaped piece of tissue. The surgeon then removes it through a small incision. The College says this is like LASIK without the LASIK flap.

The table below sets the three procedures next to each other, with how each one works and which body describes it, so you can see at a glance which the FDA covers and which only the Royal College does.

The three kinds of laser eye surgery and who describes each. Built by Peptides Vietnam from the US FDA LASIK pages (2021) and the Royal College of Ophthalmologists patient information (December 2024), retrieved October 2026.
ProcedureHow it worksDescribed by
LASIKA flap is cut in the middle layer of the cornea and folded back. A laser then removes tiny amounts of tissue to reshape the cornea.US FDA and the Royal College of Ophthalmologists
PRK (a surface laser treatment)The top layer of the cornea, the epithelium, is scraped away. The same type of laser as in LASIK then works on the layer beneath.US FDA. The Royal College lists PRK, LASEK and TransPRK as surface laser treatments.
SMILE (a Lenticule Extraction)A femtosecond laser marks out a lens shaped piece of tissue. The surgeon removes it through a small incision. The Royal College calls this like LASIK without the LASIK flap.The Royal College of Ophthalmologists only. The FDA pages we read cover LASIK and PRK, not SMILE.

The FDA pages we read cover LASIK and PRK. They do not mention SMILE, so this page makes no claim about SMILE and the FDA.

Sources: Royal College of Ophthalmologists, Laser vision correction; Royal College of Ophthalmologists, Laser vision correction patient information (PDF); US FDA, What is LASIK?

Is SMILE better than LASIK?

The Royal College of Ophthalmologists does not rank them. It says the risks and benefits of the three types are similar.

On results, the College says, in its words: "Visual results at three months are equally good for all types of laser vision correction." On recovery, it says vision may come back slightly more slowly after Lenticule Extraction.

We found no official source that compares SMILE and LASIK prices in Vietnam.

Sources: Royal College of Ophthalmologists, Laser vision correction patient information (PDF)

Who should not have laser eye surgery?

No source we read gives a Vietnamese age rule. Two overseas bodies set 18 as a minimum, each for a different reason. For LASIK, the FDA says no lasers are approved in the United States for people under the age of 18, which describes US device approval. The Royal College of Ophthalmologists gives a suitability condition: you must be over 18 years of age and have a stable glasses prescription.

The FDA page "When is LASIK not for me?" lists more reasons. Among them:

  • Your glasses or contact lens prescription changed in the past year. The FDA calls this refractive instability.
  • Large pupils. The FDA says to make sure this check is done in a dark room.
  • A thin cornea. The FDA says surgery on a cornea that is too thin may result in blinding complications.

Whether you are a candidate is a question for an eye surgeon who has examined you. The NHS page we read gives no age figure.

Sources: US FDA, When is LASIK not for me?; Royal College of Ophthalmologists, Laser vision correction patient information (PDF)

What are the risks of laser eye surgery?

The FDA lists possible risks of refractive surgery, and does not rank them. It says most patients are very pleased with the results, but like any medical procedure there are risks. These are the ones it names:

  • Night vision problems. Some patients get glare, halos or double vision that can seriously affect nighttime vision.
  • Dry eye. Some may develop severe dry eye. The eye may not make enough tears to stay moist and comfortable.
  • Still needing glasses. You may still need glasses or contacts, even if your prescription was very weak before.
  • Unknown long-term effects. On its page dated 8 August 2018, the FDA said long-term data were not available: the first laser for LASIK was approved in 1998, so the long-term safety and effectiveness of LASIK was not known. No later source we read updates this.
  • Both eyes on one day. For LASIK, the FDA says this is riskier than two separate surgeries. The pack we read does not make this comparison for PRK or SMILE.

The NHS covers laser eye surgery and lens surgery on one page. It says complications of the two can include a detached retina, permanent and serious loss of vision, and needing a second operation.

The same NHS page lists signs that need urgent help: floaters (dots and lines) that suddenly appear or suddenly increase, flashes of light, a dark "curtain" or shadow moving across your vision, or vision that suddenly gets blurred.

Sources: US FDA, What are the risks and how can I find the right doctor for me?; NHS, Laser eye surgery and lens surgery

How long is recovery after laser eye surgery?

You can usually go home the same day (NHS). For LASIK, the FDA says vision can take up to three to six months to settle, and that glare, haloes, trouble driving at night and other visual symptoms may last during that time.

The Royal College says the surgery typically takes about half an hour and you can return home on the same day. For LASIK, the FDA says to arrange transport to and from your surgery and your first follow-up visit.

The FDA sets out the follow-up for LASIK. It says you should see your doctor within the first 24 to 48 hours after surgery, then go back at regular visits for at least the first six months. It also says to avoid swimming, hot tubs and whirlpools for 1 to 2 months, and that strenuous contact sports such as boxing, football and karate should wait at least four weeks. The pack we read does not set these times for PRK or SMILE.

Aftercare has an owner in the UK guidance. The Royal College says the eye surgeon you choose will remain responsible for your care until discharge, when your vision is stable. Its checklist asks you to have the contact details of a named doctor who can deal with problems after the procedure. The FDA's LASIK checklist notes that care before and after surgery may come from a doctor other than the surgeon.

Sources: US FDA, What should I expect before, during, and after surgery?; Royal College of Ophthalmologists, Laser vision correction patient information (PDF); NHS, Laser eye surgery and lens surgery; Royal College of Ophthalmologists, Roles within the refractive surgery team (PDF); Royal College of Ophthalmologists, Refractive surgery checklist for patients (PDF); US FDA, LASIK Surgery Checklist

How soon can you fly home after laser eye surgery?

We found no official answer. The FDA, NHS and Royal College pages we read do not cover air travel, so this page gives no number of days.

What the sources do give is a follow-up schedule for LASIK. The FDA's LASIK visits start within 24 to 48 hours and go on for at least six months. Its LASIK checklist also notes that care before and after surgery may come from a doctor other than the surgeon.

The Royal College checklist adds a UK point. In its words: "The NHS is unlikely to help you, unless you have a serious complication which needs emergency or life-saving treatment." It is written for patients in the UK.

Sources: US FDA, What should I expect before, during, and after surgery?; US FDA, LASIK Surgery Checklist; Royal College of Ophthalmologists, Refractive surgery checklist for patients (PDF)

Who may do laser eye surgery in Vietnam?

A licensed practitioner in a licensed facility. Those are the general licence rules in Vietnam's Law on Medical Examination and Treatment, No. 15/2023. We found no rule that names laser eye surgery or says which practitioner or scope covers it, so a licence on its own does not show that laser eye surgery falls within a given practitioner's scope.

For the person, the law says a practitioner must have a practising licence that is still valid, and must have registered to practise, except in cases the law sets out. For the place, Article 49 says a medical facility must have been granted an operating licence by the competent authority.

Intervention techniques also need approval. In December 2022, the Ho Chi Minh City Department of Health said every intervention technique must be appraised and approved in a technique list by the Ministry of Health or a Department of Health. It said techniques used outside the allowed list break the law. That article was about beauty places, and it was written before Law No. 15/2023. We could not read the Ministry of Health technique lists as primary text, so this page does not say which list covers laser eye surgery.

You can look up a licence in Ho Chi Minh City at thongtin.medinet.org.vn. Its home page has three searches: medical practitioner (Người hành nghề Y), medical facility (Cơ sở khám chữa bệnh) and cosmetic facility (Cơ sở thẩm mỹ). The site is in Vietnamese.

Language has its own rule. Decree 96/2023 says a foreigner must register for care and state their language needs with the facility. The facility then arranges a practitioner or an interpreter who speaks that language. If it cannot, the patient must arrange an interpreter and is responsible for what is said.

Sources: Law on Medical Examination and Treatment No. 15/2023/QH15 (consolidated text); Ho Chi Minh City Department of Health, December 2022; Ho Chi Minh City licence lookup (thongtin.medinet.org.vn); Decree 96/2023/ND-CP

Who says what to check before laser eye surgery

This table puts the US FDA, the NHS, the Royal College of Ophthalmologists and Vietnam's own licence rules side by side, one check per row, so you can see where they agree and where only one of them speaks. Each cell holds what that body says, and nothing is merged.

What to check before laser eye surgery, by the body that says it. Built by Peptides Vietnam from the US FDA LASIK pages (2018 to 2021), the NHS laser eye surgery page (February 2024) and treatment abroad checklist, the Royal College of Ophthalmologists patient information (December 2024) and checklist (2018), Law No. 15/2023 (consolidated text, March 2026) and Decree 96/2023, retrieved October 2026. "Not found" means not in the records we read. Vietnamese texts are our translation.
CheckUS FDANHSRoyal College of OphthalmologistsVietnam's rules
Your ageIn the United States, no lasers are approved for LASIK on anyone under 18.No age figure in the page we read.You must be over 18.We found no Vietnamese age rule for this surgery.
A steady prescriptionA change in your glasses or contact lens prescription in the past year is a reason LASIK may not be for you.Not in the page we read.You must have a stable glasses prescription.Not found.
Your eyesLarge pupils: have this checked in a dark room. A cornea that is too thin may lead to blinding complications.Not in the page we read.Not quoted on this page.Not found.
The placeThe FDA does not regulate the practice of medicine and has no registry of doctors.Before booking abroad, think carefully if there is a hard sell, pressure to decide fast, or no mention of aftercare."Make sure the hospital or clinic is regulated with the relevant regulator." It names UK regulators.A medical facility needs an operating licence from the competent authority (Law No. 15/2023, Article 49).
The personBe wary of centres that advertise 20/20 vision or your money back, or package deals.Treatment abroad checklist: think carefully if there is a lack of information.The eye surgeon you choose stays responsible for your care until discharge when your vision is stable.A practitioner needs a valid practising licence and must have registered to practise (Law No. 15/2023).
AftercareAsk if your doctor will follow you up. Care before and after may come from a doctor other than the surgeon.Treatment abroad checklist: think carefully if there is no mention of aftercare.Have the contact details of a named doctor who can deal with problems after the procedure.Not found.
Time to decideThere are never any guarantees in medicine.Watch for pressure to make a quick decision.Take at least a week after the consultation to think things through.Not found.
LanguageNot covered.Not covered.Not covered.A foreign patient asks the facility for an interpreter. If it cannot arrange one, the patient must bring one and is responsible for what is said (Decree 96/2023).

The Royal College checklist names UK regulators. It does not name a Vietnamese one. In Vietnam, the licence rules above are the ones we could source.

Sources: US FDA, When is LASIK not for me?; US FDA, What are the risks and how can I find the right doctor for me?; US FDA, LASIK FAQs; US FDA, LASIK Surgery Checklist; NHS, Laser eye surgery and lens surgery; NHS, Treatment abroad checklist; Royal College of Ophthalmologists, Laser vision correction patient information (PDF); Royal College of Ophthalmologists, Refractive surgery checklist for patients (PDF); Royal College of Ophthalmologists, Roles within the refractive surgery team (PDF); Law on Medical Examination and Treatment No. 15/2023/QH15 (consolidated text); Decree 96/2023/ND-CP

What do travel advisories say about surgery in Vietnam?

They urge care. The US State Department says Vietnam has many elective or cosmetic surgery facilities, but the quality of care varies widely. If you plan surgery in Vietnam, it says to make sure emergency medical facilities are available, and professionals are accredited and qualified.

Australia's Smartraveller says the standard of medical facilities and care varies, is generally below Australian standards, and may lack medicine and supplies. It says foreign private medical clinics are available in Hanoi, Ho Chi Minh City and Da Nang. Our guides to hospitals in Ho Chi Minh City, hospitals in Hanoi and Da Nang hospitals show what the embassy lists say for each city.

The NHS treatment abroad checklist says to think carefully before booking if there is a hard sell, a lack of information, pressure to make a quick decision, no talk of possible complications, or no mention of aftercare.

Sources: US Department of State, Vietnam travel advisory and guidance; Smartraveller (Australian Government), Vietnam; NHS, Treatment abroad checklist

How much does laser eye surgery cost in Vietnam?

We found no official price. No government or embassy figure for laser eye surgery in Vietnam turned up, so this page states none.

In the UK, it is mostly paid for privately. The NHS says laser eye surgery and lens surgery are usually only available privately. The Royal College says surgery to correct the need for glasses or contact lenses is not an NHS procedure and is not covered by private health insurance schemes.

The FDA warns about how offers are sold. It says to be wary of eye centres that advertise "20/20 vision or your money back" or "package deals", because there are never any guarantees in medicine.

Travel cover is a separate question. The UK FCDO's Vietnam health page lists what it says a travel insurance policy should cover for Vietnam: existing health conditions, an air ambulance, full medical cover, and repatriation of remains in the event of death. Our travel insurance for Vietnam guide and health insurance in Vietnam guide go further.

Sources: NHS, Laser eye surgery and lens surgery; Royal College of Ophthalmologists, Laser vision correction patient information (PDF); US FDA, What are the risks and how can I find the right doctor for me?; GOV.UK (FCDO), Vietnam travel advice, Health

What we could and could not confirm

This page was built from written records, not from a visit to a clinic. We read every record in October 2026. The first list is what we could confirm.

  • The US FDA LASIK pages on what LASIK is, who it is not for, risks, recovery, the checklist and the FAQs.
  • The NHS page on laser eye surgery and lens surgery, and the NHS treatment abroad checklist.
  • The Royal College of Ophthalmologists guidance page, patient information, checklist and team roles. Its PDFs use two columns, so their text was checked in reading order.
  • Vietnam's Law No. 15/2023 (consolidated text) and Decree 96/2023, both in the Official Gazette, plus a 2022 Ho Chi Minh City health department article and the city's licence lookup.
  • Travel advice from the US State Department, Smartraveller and the UK FCDO. The State Department and Smartraveller pages were read in a browser.

The second list is what we could not confirm.

  • A Vietnamese rule that names LASIK, SMILE or PRK, or says who may do them. We could not read the Ministry of Health technique lists as primary text.
  • How soon it is fine to fly. None of the official pages we read cover it.
  • Any price for Vietnam from a government or embassy.
  • Anything from the FDA about SMILE. The FDA pages we read cover LASIK and PRK.
  • The American Academy of Ophthalmology pages. They blocked our reading tool, so they are not used.
  • Which eye hospitals in Vietnam are accredited. We did not search this for eye surgery.

We name no clinic or doctor on this page and rank none. For hospitals that foreigners use, see our guide to healthcare in Vietnam for foreigners. For medicine, see pharmacy in Vietnam.

Laser eye surgery in Vietnam questions

What is SMILE eye surgery?+

SMILE is a kind of laser eye surgery. The Royal College of Ophthalmologists puts it in a group it calls Lenticule Extraction. A laser marks out a lens shaped piece of tissue in the cornea. The surgeon then takes it out through a small cut. The Royal College says it is like LASIK without the LASIK flap. The FDA pages we read cover LASIK and PRK, not SMILE.

Is SMILE less risky than LASIK?+

The Royal College of Ophthalmologists does not say SMILE is less risky. It says the risks and benefits of LASIK, surface treatments and Lenticule Extraction are similar. It also says, in its words, "Visual results at three months are equally good for all types of laser vision correction." It notes that vision may come back a little more slowly after Lenticule Extraction.

At what age is LASIK not worth it?+

No official source we read gives an upper age. The rule we found is a lower one. The FDA says no lasers are approved for LASIK on anyone under 18. The Royal College of Ophthalmologists says you must be over 18 and have a stable glasses prescription.

Which is cheaper, LASIK or SMILE?+

We found no official price for either in Vietnam. No government or embassy figure turned up, so this page gives no prices. In the UK, the Royal College of Ophthalmologists says this surgery is not an NHS procedure and is not covered by private health insurance schemes.

Is Vietnam a good place for cosmetic surgery?+

No official source we read rates it. The US State Department says Vietnam has many elective or cosmetic surgery facilities, but the quality of care varies widely. If you plan surgery there, it says to make sure emergency medical facilities are available, and professionals are accredited and qualified. Australia's Smartraveller says the standard of care varies and is generally below Australian standards.

How soon can you fly after laser eye surgery?+

We found no official answer, so this page gives no number of days. The FDA, NHS and Royal College pages we read do not cover flying. What the FDA does say, for LASIK, is that you should see your doctor within the first 24 to 48 hours after surgery, then at regular visits for at least the first six months.

Who can do laser eye surgery in Vietnam?+

A licensed practitioner in a licensed clinic or hospital, under Vietnam's Law on Medical Examination and Treatment. The practitioner needs a valid practising licence and must have registered to practise, and the place needs an operating licence. Those are general licence rules, not a laser rule: we could not read the Ministry of Health technique lists as primary text, and no source we read names who may perform laser eye surgery or which scope covers it.

Sources: Royal College of Ophthalmologists, Laser vision correction patient information (PDF); US FDA, When is LASIK not for me?; US FDA, What should I expect before, during, and after surgery?; NHS, Laser eye surgery and lens surgery; US Department of State, Vietnam travel advisory and guidance; Smartraveller (Australian Government), Vietnam; Law on Medical Examination and Treatment No. 15/2023/QH15 (consolidated text)

Related guides

This guide is for general information only and is not medical or legal advice. It describes what official bodies and Vietnamese laws say. Whether laser eye surgery suits you is a question for a licensed eye surgeon who has examined you. See our editorial policy.

Sources

Entries marked ° are cited from the publisher, but our checker could not retrieve the page to confirm the wording.

  1. 1.US Food and Drug Administration, What is LASIK?, page dated 15 January 2021, retrieved October 2026. Used for: how LASIK reshapes the cornea; that LASIK and PRK use the same type of laser; and how each exposes the middle layer of the cornea.
  2. 2.US Food and Drug Administration, What are the risks and how can I find the right doctor for me?, page dated 8 August 2018, retrieved October 2026. Used for: glare, halos and double vision; severe dry eye; still needing glasses; the first LASIK laser approved in 1998 and no long-term data; the extra risk of both eyes on the same day; and the warning about money-back and package deals.
  3. 3.US Food and Drug Administration, When is LASIK not for me?, page dated 11 July 2018, retrieved October 2026. Used for: no lasers approved for LASIK under the age of 18; a change of prescription in the past year; large pupils checked in a dark room; and the danger of a cornea that is too thin.
  4. 4.US Food and Drug Administration, What should I expect before, during, and after surgery?, page dated 11 July 2018, retrieved October 2026. Used for: the first visit within 24 to 48 hours and visits for at least six months; three to six months for vision to settle; transport to surgery and the first visit; and the limits on swimming, hot tubs and contact sports.
  5. 5.US Food and Drug Administration, LASIK FAQs, undated page, retrieved October 2026. Used for: the FDA does not regulate the practice of medicine and has no registry of doctors.
  6. 6.US Food and Drug Administration, LASIK Surgery Checklist, page dated 11 July 2018, retrieved October 2026. Used for: the long-term care question, and that care before and after surgery may come from a doctor other than the surgeon.
  7. 7.NHS, Laser eye surgery and lens surgery, page last reviewed 15 February 2024, retrieved October 2026. Used for: usually only available privately; going home the same day; complications of laser eye surgery and lens surgery; and the warning signs that need urgent help. The page covers both kinds of surgery together.
  8. 8.NHS, Treatment abroad checklist, undated page, retrieved October 2026. Used for: the warning signs to think carefully about before booking treatment abroad.
  9. 9.Royal College of Ophthalmologists (UK), Laser vision correction guidance page, 3 December 2024, retrieved October 2026. Used for: what laser vision correction does.
  10. 10.Royal College of Ophthalmologists (UK), Laser vision correction patient information, document reference PROF/2024/499, PDF dated 3 December 2024, retrieved October 2026. Used for: the three types of procedure commonly used in the UK; how Lenticule Extraction (SMILE) works; that risks and benefits are similar; slower recovery after Lenticule Extraction; results at three months; the age and prescription rule; that it is not an NHS procedure or covered by private health insurance schemes; and the half hour surgery time. The PDF is laid out in two columns, so its text was checked in a browser reading order.
  11. 11.Royal College of Ophthalmologists (UK), Refractive surgery checklist for patients, PDF, 2018, retrieved October 2026. Used for: checking the clinic is regulated; the named doctor for problems after surgery; that the NHS is unlikely to help except for a serious complication; and taking at least a week to think. It is written for patients in the UK.
  12. 12.Royal College of Ophthalmologists (UK), Roles within the refractive surgery team, PDF, 2018, retrieved October 2026. Used for: the surgeon stays responsible for your care until discharge when vision is stable.
  13. 13.Vietnam, Law on Medical Examination and Treatment No. 15/2023/QH15, consolidated text, Official Gazette, published 20 March 2026, retrieved October 2026. Used for: a practitioner needs a valid practising licence and must have registered to practise; and Article 49, a medical facility needs an operating licence from the competent authority. In Vietnamese; the English here is our translation.
  14. 14.Vietnam, Decree 96/2023/ND-CP, Official Gazette nos. 169 and 170, 26 January 2024, retrieved October 2026. Used for: the rule on language and interpreters for foreign patients. In Vietnamese; our translation.
  15. 15.Ho Chi Minh City Department of Health, article on beauty places using cosmetic clinic signs, 7 December 2022, retrieved October 2026. Used for: every intervention technique must be approved in a technique list by the Ministry of Health or a Department of Health. Written about beauty places, before Law No. 15/2023. In Vietnamese; our translation.
  16. 16.Ho Chi Minh City licence lookup, thongtin.medinet.org.vn, home page, retrieved October 2026. Used for: the three searches it offers. In Vietnamese.
  17. 17.US Department of State, Vietnam travel advisory and travel guidance, Health section, retrieved October 2026. Used for: the quality of care at elective or cosmetic surgery facilities varies widely, and the checks it lists before surgery. This page renders in a browser, so its text was read there.°
  18. 18.Smartraveller (Australian Government), Vietnam travel advice, Health section, page dated 24 September 2026, retrieved October 2026. Used for: the standard of medical care and where foreign private clinics are. The site blocked scripted reading, so its text was read in a browser.°
  19. 19.UK Foreign, Commonwealth and Development Office, GOV.UK foreign travel advice, Vietnam, Health section, page dated 21 September 2026, retrieved October 2026. Used for: what a travel insurance policy should cover.