Cambodia Travel Health Insurance for Visitors (2024)

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Cambodia recently became a famous tourist destination, receiving more than six million visitors in 2018. Tourism is also the second most profitable industry in the country. As such, the government takes care to make sure all of the visitors who enter Cambodia are safe and enjoy their travels.

To be one of the million people who have visited this country, you must first check the entry requirements carefully. You may need to apply for a visa to be eligible for entry, and if not for a visa, you may be required to fulfill other requirements, such as having health insurance.

Do I Need Travel Insurance for Cambodia?

As of 2022, you no longer need travel health insurance to enter Cambodia. Previously, due to Covid, the government made travel insurance mandatory for all visitors.

However, now the entry requirements are more relaxed, and you are no longer required to purchase travel insurance. That being said, you are still highly recommended to buy a travel insurance policy before you travel to Cambodia. In fact, the government advises you to purchase a travel insurance plan with a minimum of $50,000 in coverage for medical emergencies.

Please remember that travel insurance is reliable for short trips for purposes such as tourism; for more extended stays, you need valid health insurance for expats in Cambodia.

What Does Travel Insurance for Cambodia Cover?

Travel insurance coverage depends on several factors, but a basic plan will usually include the following:

Medical emergencies. Medical emergencies are unpredictable and can be very stressful, particularly if you are in a foreign country. This is why coverage for medical emergencies is a must-have in all travel health insurance policies. You must ensure your insurance will cover any unexpected emergency room trips, hospital visits, hospitalization, or checkups while you are in Cambodia.
Evacuation and repatriation. Evacuation and repatriation may be the worst-case scenario that you do not plan on coming across during your trip; nevertheless, it’s also one of your insurance’s most essential coverage areas. Your insurance must cover you if you must be evacuated during an emergency or transported to another country for medical treatment. Repatriation of remains must also be included in your policy.
Coverage for lost or stolen items. If you lose your luggage and personal items or have them stolen during your trip, you must have coverage for the things you lose. You must check your policy carefully, as not all insurers will include this type of coverage with their basic plan.
Trip cancellation or delay. Trip cancellation coverage is a massive benefit if you cancel your trip or experience delays due to unplanned situations. Some companies may offer trip cancellation only in specific circ*mstances, such as a death in the family— so make sure to read the fine print carefully. Also, note that if your trip is refundable, you may omit trip cancellation coverage and save on insurance premiums.

Not all insurance plans or insurance companies will offer you the same benefits for travel insurance, which is you’re advised to do a lot of research before your settle on a policy. One quick way to comb through the various insurance policies is to explore several plans and compare their benefits. You can do this via an insurance broker like Insubuy.

Additionally, you may opt for some additional benefits if you pay extra for your premium, such as:

How Much Does Travel Insurance in Cambodia Cost?

Cambodia travel insurance goes with an average price of $250. But you must remember that travel insurance has a varying price since it depends on several factors, such as your age, the duration of your visit, the overall cost of your trip, the number of insurance holders, and whether you plan on visiting other places.

What Is the Best Travel Insurance Company?

Some of the best international insurance companies that offer travel insurance to Cambodia include:

AXA
Allianz
Cigna
IMG

There are several options where you can purchase your travel insurance for Cambodia; one of the easiest ways to help you decide is by comparing different plans side-by-side, which you can do via Insubuy.

However, you should remember that the Cambodian government recommends obtaining your travel insurance from Forte Group— a local insurance provider.

When Should I Buy Travel Insurance?

You should buy your travel insurance the minute you book your trip to Cambodia. Some insurance providers allow you to set the date when your insurance kicks in, usually when you depart from your home country. However, you can contact your insurance provider and see what suits you best.

Is Cambodia Safe to Visit?

Cambodia is primarily safe for tourists. You may come across the usual tourist scams as you would in other countries, but try to be vigilant and keep only to tourist attractions. If you wish to visit more remote areas, make sure to bring someone with you or let someone know where you are.

Also read: ASEAN Travel Health Insurance

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