The Best Travel Insurance Plans for Cambodia in 2025

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A. Fruchard
A. Fruchard
updated on July 15, 2025
Table of Contents
  • The best travel insurance plans for Cambodia
  • Is it currently safe to travel to Cambodia?
  • The Legal Requirement for Travel Insurance to Enter Cambodia
  • Why You Need Travel Insurance for Cambodia
  • What should travel insurance for Cambodia cover?
  • The cost of travel insurance for Cambodia
  • How to pay less for your travel insurance to Cambodia
  • Can I rely on my current insurance to cover me in Cambodia?
  • FAQ
  • On the same topic
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Travel insurance for Cambodia: key takeaways

1. Definition: Travel insurance for Cambodia covers medical emergencies, trip cancellation, and lost personal belongings.
2. Key protection: Insurance is not mandatory but is vital due to limited local healthcare infrastructure.
3. Healthcare cost: Quality care is expensive; a hospital night can cost over $500 in private clinics.
4. Price: A one-week travel insurance plan for Cambodia typically costs between $30 and $60.
5. Good to know: Ensure your policy includes medical evacuation, as serious cases are often sent to Thailand.

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Why trust HelloSafe?

HelloSafe is an international specialist in travel insurance comparison, advising over one million travelers every month. After analyzing 38 travel insurance policies available in the US, our experts share here everything you need to know to choose the best travel insurance for Cambodia.

The best travel insurance plans for Cambodia

Contract we recommendMedical reimbursement limitOur view
HelloTravel Premium$1.1MOur leading choice for trips to Cambodia.
- high medical ceiling
- repatriation included
- suitable for medical evacuation needs
Cap Assistance 24/24$1.1MA strong plan for short stays in Cambodia.
- 24/7 emergency help
- cancellation protection
- no deductible
Tourist Card$550kSimple, effective coverage for tourists in Cambodia.
- solid medical coverage
- emergency and accident support
- accessible pricing
Travel Pass Monde$770kAll-round policy for extensive travel coverage.
- repatriation covered
- high hospital benefits
- broad regional validity
Globe Partner$330kGood choice for extended international trips to Cambodia.
- medical care abroad
- repatriation included
- civil liability coverage
Globe Traveller$550kRecommended for basic, short-term trips.
- essential health protection
- fast claims process
- lower medical ceiling
HelloTravel Premium
Medical reimbursement limit
$1.1M
Our view
Our leading choice for trips to Cambodia.
- high medical ceiling
- repatriation included
- suitable for medical evacuation needs
Cap Assistance 24/24
Medical reimbursement limit
$1.1M
Our view
A strong plan for short stays in Cambodia.
- 24/7 emergency help
- cancellation protection
- no deductible
Tourist Card
Medical reimbursement limit
$550k
Our view
Simple, effective coverage for tourists in Cambodia.
- solid medical coverage
- emergency and accident support
- accessible pricing
Travel Pass Monde
Medical reimbursement limit
$770k
Our view
All-round policy for extensive travel coverage.
- repatriation covered
- high hospital benefits
- broad regional validity
Globe Partner
Medical reimbursement limit
$330k
Our view
Good choice for extended international trips to Cambodia.
- medical care abroad
- repatriation included
- civil liability coverage
Globe Traveller
Medical reimbursement limit
$550k
Our view
Recommended for basic, short-term trips.
- essential health protection
- fast claims process
- lower medical ceiling
👉 Compare the best travel insurance for freeI compare

Is it currently safe to travel to Cambodia?

As of June 2025, the US Department of State advises travelers to Cambodia to exercise normal precautions, with some region-specific warnings and recommendations.

Here are their four main recommendations.

  • Security risks: petty crime, especially pickpocketing and bag snatching, is frequent in Phnom Penh and popular tourist areas. Remote provinces such as Battambang and Banteay Meanchey present landmine hazards, particularly in non-tourist villages.
  • Health risks: medical services outside Phnom Penh and Siem Reap are limited and not suitable for serious illness or injury. Diseases such as malaria and dengue are present, and medical evacuation may be necessary in case of emergency.
  • Legal and administrative constraints: tourists must carry their passport or a copy at all times. Overstaying your visa can result in daily fines and possible detention, and drug offenses are punished severely.
  • Environmental and urban concerns: flooding can disrupt travel during the rainy season, especially in rural areas. Urban scams, such as inflated taxi fares and counterfeit goods, are common in major cities.

Although not required, travel insurance is strongly recommended by the US Department of State, particularly to cover medical expenses and emergency repatriation, which can be extremely costly in Cambodia.

No, travel insurance is not mandatory for travelers from the US to enter Cambodia.

Although not required by Cambodian authorities, travel insurance is strongly recommended for all US visitors. Medical facilities are limited outside major cities, and medical evacuation or specialized care can be expensive without coverage. Insurance can also help in case of theft, accidents, or sudden illness during your stay in Cambodia.

According to our data, 80% of travelers purchase travel insurance before going to Cambodia. High health risks, limited care, and frequent travel incidents explain this high rate.

Why You Need Travel Insurance for Cambodia

It is an essential financial and medical protection for anyone going to Cambodia.
In Cambodia, public hospitals are often overcrowded and not recommended for foreigners, particularly outside Phnom Penh and Siem Reap. For quality care, travelers usually go to private clinics like Royal Phnom Penh Hospital or International SOS Clinic, where consultation, hospitalization, and emergencies can be expensive.
Travel insurance covers medical fees, hospitalization, medication, ambulance transport, and emergency repatriation to the US in the event of a serious incident.
Here are some examples of healthcare costs in Cambodia.

Example of medical treatmentCost at Royal Phnom Penh HospitalCovered by travel insurance
I have to be hospitalized 48 hours after contracting an infection3,000,000 KHR (about $730)up to 100%
I broke my tibia (X-ray, cast, and crutch rental)2,500,000 KHR (about $610)up to 100%
I need to be repatriated60,000,000 KHR (about $14,500)up to 100%
I have appendicitis (consultation and surgery)12,000,000 KHR (about $2,900)up to 100%
Example of medical treatment costs at Royal Phnom Penh Hospital and travel insurance coverage.
I have to be hospitalized 48 hours after contracting an infection
Cost at Royal Phnom Penh Hospital
3,000,000 KHR (about $730)
Covered by travel insurance
up to 100%
I broke my tibia (X-ray, cast, and crutch rental)
Cost at Royal Phnom Penh Hospital
2,500,000 KHR (about $610)
Covered by travel insurance
up to 100%
I need to be repatriated
Cost at Royal Phnom Penh Hospital
60,000,000 KHR (about $14,500)
Covered by travel insurance
up to 100%
I have appendicitis (consultation and surgery)
Cost at Royal Phnom Penh Hospital
12,000,000 KHR (about $2,900)
Covered by travel insurance
up to 100%
Example of medical treatment costs at Royal Phnom Penh Hospital and travel insurance coverage.

These prices are given as an indication and may vary depending on the facilities and regions.

It is therefore essential to take out appropriate travel insurance to avoid unexpected and potentially high expenses.

What should travel insurance for Cambodia cover?

Here is a summary table of the main coverages you should look for in a travel insurance policy for Cambodia.

Main coveragesExplanations and recommendations
🏥 Medical expensesCovers urgent care, doctor visits, hospitalization, medication, and emergency treatments.
We recommend a reimbursement limit of at least $100,000 for medical costs.
🚑 Medical evacuationCovers the cost of medical transport to a qualified hospital or repatriation to the US.
Minimum recommended: $100,000, as evacuation can be very expensive.
🛄 Baggage and theftCovers loss, theft, or damage of checked baggage and personal items.
We recommend a limit of $2,000–$3,000 for personal effects protection.
❌ Trip cancellationCovers pre-paid, non-refundable travel expenses if you must cancel your trip for a valid reason.
Minimum recommended: $3,000–$5,000.
📞 24/7 assistanceOffers multilingual support and help in case of emergency or difficulties during your stay.
Always preferred, no minimum, but ensure quality support in English.
🏨 HospitalizationCovers room, board, and care at a private hospital in Phnom Penh or Siem Reap.
We recommend at least $50,000, as private hospital costs can be substantial.
🚗 Personal liabilityProtects you if you cause accidental injury or property damage to others.
Minimum recommended: $50,000 for civil liability coverage.
⚖️ Legal assistanceProvides support in case of legal trouble, such as disputes or needing a lawyer.
We recommend $10,000 or more for legal expenses.
🏥 Medical expenses
Explanations and recommendations
Covers urgent care, doctor visits, hospitalization, medication, and emergency treatments.
We recommend a reimbursement limit of at least $100,000 for medical costs.
🚑 Medical evacuation
Explanations and recommendations
Covers the cost of medical transport to a qualified hospital or repatriation to the US.
Minimum recommended: $100,000, as evacuation can be very expensive.
🛄 Baggage and theft
Explanations and recommendations
Covers loss, theft, or damage of checked baggage and personal items.
We recommend a limit of $2,000–$3,000 for personal effects protection.
❌ Trip cancellation
Explanations and recommendations
Covers pre-paid, non-refundable travel expenses if you must cancel your trip for a valid reason.
Minimum recommended: $3,000–$5,000.
📞 24/7 assistance
Explanations and recommendations
Offers multilingual support and help in case of emergency or difficulties during your stay.
Always preferred, no minimum, but ensure quality support in English.
🏨 Hospitalization
Explanations and recommendations
Covers room, board, and care at a private hospital in Phnom Penh or Siem Reap.
We recommend at least $50,000, as private hospital costs can be substantial.
🚗 Personal liability
Explanations and recommendations
Protects you if you cause accidental injury or property damage to others.
Minimum recommended: $50,000 for civil liability coverage.
⚖️ Legal assistance
Explanations and recommendations
Provides support in case of legal trouble, such as disputes or needing a lawyer.
We recommend $10,000 or more for legal expenses.

Travel insurance obtained locally or through bank cards often covers only a small range of risks, usually with low limits and many exclusions. Choose a trusted insurer with comprehensive benefits. Compare the top plans on HelloSafe and subscribe online for instant certification.

The cost of travel insurance for Cambodia

Trip durationTraveler’s ageIndicative price per person
1 week25 years old$18
2 weeks45 years old$28
1 month35 years old$40
1 month70 years old$105
Indicative price per person based on trip duration and traveler's age.
1 week
Traveler’s age
25 years old
Indicative price per person
$18
2 weeks
Traveler’s age
45 years old
Indicative price per person
$28
1 month
Traveler’s age
35 years old
Indicative price per person
$40
1 month
Traveler’s age
70 years old
Indicative price per person
$105
Indicative price per person based on trip duration and traveler's age.

These prices are indicative and may vary depending on the coverage chosen and the specifics of each insurer.

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Good to know

The price of your plan depends on several key factors: the traveler's age, the length of your trip, your destination, and selected options like trip cancellation. It's important to consider these elements to find the right coverage at the best price for your specific travel needs.

💡 It is always recommended to compare multiple offers to find the best value-for-money plan for you. You can use HelloSafe.

👉 Compare the best travel insurance for freeI compare

How to pay less for your travel insurance to Cambodia

Here are some suggestions to optimize the cost of your travel insurance to Cambodia while keeping good coverage:

CriteriaWhy it mattersExpert tip
🌏 Duration of stayLonger trips cost more. Limiting insurance to your exact travel dates avoids paying for unnecessary days.Only insure the period you are actually in Cambodia to save money.
🧑 Traveller's ageInsurance often increases for older travelers. Some insurers, like Heymondo, do not raise prices for those over 62.Compare insurers’ age policies, especially if over 60. Heymondo does not increase prices for people over 62.
🏃 Level of coverageOver-insuring raises premiums. Look for plans that cover medical and evacuation without unnecessary extras.Only select the coverages you truly need for your specific trip plans.
👪 Family/group plansGroup policies can reduce costs if traveling with family or friends.Ask for group or family rates as they are usually cheaper per person.
☂️ Deductible amountHigher deductibles lower costs, but mean larger out-of-pocket expenses during a claim.Choose a higher deductible only if you can handle out-of-pocket costs.
🏠 Home country careIf you have US health insurance, check if it offers emergency international coverage.Avoid duplicate health coverage if your US policy already covers emergencies.
📦 Optional extrasTrip cancellation, baggage, or adventure sports add to costs. Choose only those you need.Exclude extras you don't need, such as baggage or adventure sports.
🌏 Duration of stay
Why it matters
Longer trips cost more. Limiting insurance to your exact travel dates avoids paying for unnecessary days.
Expert tip
Only insure the period you are actually in Cambodia to save money.
🧑 Traveller's age
Why it matters
Insurance often increases for older travelers. Some insurers, like Heymondo, do not raise prices for those over 62.
Expert tip
Compare insurers’ age policies, especially if over 60. Heymondo does not increase prices for people over 62.
🏃 Level of coverage
Why it matters
Over-insuring raises premiums. Look for plans that cover medical and evacuation without unnecessary extras.
Expert tip
Only select the coverages you truly need for your specific trip plans.
👪 Family/group plans
Why it matters
Group policies can reduce costs if traveling with family or friends.
Expert tip
Ask for group or family rates as they are usually cheaper per person.
☂️ Deductible amount
Why it matters
Higher deductibles lower costs, but mean larger out-of-pocket expenses during a claim.
Expert tip
Choose a higher deductible only if you can handle out-of-pocket costs.
🏠 Home country care
Why it matters
If you have US health insurance, check if it offers emergency international coverage.
Expert tip
Avoid duplicate health coverage if your US policy already covers emergencies.
📦 Optional extras
Why it matters
Trip cancellation, baggage, or adventure sports add to costs. Choose only those you need.
Expert tip
Exclude extras you don't need, such as baggage or adventure sports.

Can I rely on my current insurance to cover me in Cambodia?

It is completely legitimate to wonder if your current coverage—such as your public or private health insurance, or credit card insurance—can protect you during a trip to Cambodia. Unfortunately, these options are often limited or insufficient for international travel. Here is a summary table to help you review your current insurance and what it covers.

Type of insuranceValid in Cambodia?What it coversWhy Travel Insurance is better
Public health insurance (Medicare, Medicaid)No, neverNo coverage outside the US.Travel insurance covers $100,000+ in medical care and emergency evacuation.
Private health insurance (Aetna, Blue Cross Blue Shield, UnitedHealthcare)Yes, partlySome emergency care abroad, limits often $50,000, excludes evacuation and non-emergencies.Travel insurance offers limits up to $500,000, 24/7 support, and full evacuation cover.
Classic credit card (Chase Freedom, Citi Double Cash, Capital One Platinum)Yes, partlyOverseas medical up to $10,000, no evacuation, very limited baggage delay.Travel insurance includes $100,000+ for health, full repatriation, and baggage loss.
Premium credit card (Chase Sapphire Preferred, Amex Platinum, Mastercard World Elite)Yes, partlyMedical up to $50,000, delay/cancellation, rarely covers evacuation fully.Travel insurance adds full evacuation, trip interruption, and dedicated local assistance.
A comparison of different insurance types and their coverage for travel in Cambodia.
Public health insurance (Medicare, Medicaid)
Valid in Cambodia?
No, never
What it covers
No coverage outside the US.
Why Travel Insurance is better
Travel insurance covers $100,000+ in medical care and emergency evacuation.
Private health insurance (Aetna, Blue Cross Blue Shield, UnitedHealthcare)
Valid in Cambodia?
Yes, partly
What it covers
Some emergency care abroad, limits often $50,000, excludes evacuation and non-emergencies.
Why Travel Insurance is better
Travel insurance offers limits up to $500,000, 24/7 support, and full evacuation cover.
Classic credit card (Chase Freedom, Citi Double Cash, Capital One Platinum)
Valid in Cambodia?
Yes, partly
What it covers
Overseas medical up to $10,000, no evacuation, very limited baggage delay.
Why Travel Insurance is better
Travel insurance includes $100,000+ for health, full repatriation, and baggage loss.
Premium credit card (Chase Sapphire Preferred, Amex Platinum, Mastercard World Elite)
Valid in Cambodia?
Yes, partly
What it covers
Medical up to $50,000, delay/cancellation, rarely covers evacuation fully.
Why Travel Insurance is better
Travel insurance adds full evacuation, trip interruption, and dedicated local assistance.
A comparison of different insurance types and their coverage for travel in Cambodia.
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Example

After a scooter crash in Siem Reap, Mark's bill for a broken femur and medical evacuation to Bangkok hit $30,000. His Chase Sapphire card's insurance had a $2,500 limit for medical emergencies, and his US health plan excluded foreign evacuations, leaving him to cover the staggering $27,500 balance himself.

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Expert advice

Always check the terms, exclusions, and limits of your existing insurance coverage. Essential situations, like trip interruption due to a relative’s illness or death, might be excluded. Read the conditions carefully to avoid unpleasant surprises abroad. In all cases, it is safer and more reassuring to get dedicated travel insurance tailored to your trip.

FAQ

Do I need a visa to travel to Cambodia?

Yes, U.S. citizens need a visa to visit Cambodia. You can obtain a tourist visa online, at a Cambodian Embassy, or upon arrival at major airports and some border crossings. Ensure your passport is valid for at least six months beyond your planned stay.

How do I purchase travel insurance for Cambodia?

First, use the HelloSafe travel insurance comparison tool to compare available plans. Next, review the coverage details and exclusions, focusing on Cambodia-specific risks. Then buy your chosen plan online. Once complete, you will receive your insurance certificate by email, which you should print or save on your phone.

What medical risks should I be aware of when traveling to Cambodia?

In Cambodia, risks include malaria, dengue fever, and limited access to quality healthcare outside main cities. Medical facilities are basic in most areas except Phnom Penh and Siem Reap. Comprehensive insurance with emergency evacuation and hospital coverage is strongly recommended.

How much does travel insurance cost for a trip to Cambodia?

Prices depend on your age, trip duration, and the level of coverage. For a one-week stay, insurance for a 25-year-old typically starts at around $18. Coverage for older travelers or longer trips can be higher. Always compare plans to find the best value for your needs.

Can I buy travel insurance for Cambodia if I already left the United States?

Some insurers do offer coverage if you are already abroad, but options can be limited and more expensive. If you’re already traveling, check with specialized providers and be aware of possible waiting periods before coverage takes effect.

What happens if I have an emergency while in Cambodia?

With proper travel insurance, you can contact a 24/7 assistance helpline provided by your insurer. They can help arrange medical care, evacuation, language support, or legal help as needed. Always keep your insurance certificate and emergency numbers available during your trip.

Do I need a visa to travel to Cambodia?

Yes, U.S. citizens need a visa to visit Cambodia. You can obtain a tourist visa online, at a Cambodian Embassy, or upon arrival at major airports and some border crossings. Ensure your passport is valid for at least six months beyond your planned stay.

How do I purchase travel insurance for Cambodia?

First, use the HelloSafe travel insurance comparison tool to compare available plans. Next, review the coverage details and exclusions, focusing on Cambodia-specific risks. Then buy your chosen plan online. Once complete, you will receive your insurance certificate by email, which you should print or save on your phone.

What medical risks should I be aware of when traveling to Cambodia?

In Cambodia, risks include malaria, dengue fever, and limited access to quality healthcare outside main cities. Medical facilities are basic in most areas except Phnom Penh and Siem Reap. Comprehensive insurance with emergency evacuation and hospital coverage is strongly recommended.

How much does travel insurance cost for a trip to Cambodia?

Prices depend on your age, trip duration, and the level of coverage. For a one-week stay, insurance for a 25-year-old typically starts at around $18. Coverage for older travelers or longer trips can be higher. Always compare plans to find the best value for your needs.

Can I buy travel insurance for Cambodia if I already left the United States?

Some insurers do offer coverage if you are already abroad, but options can be limited and more expensive. If you’re already traveling, check with specialized providers and be aware of possible waiting periods before coverage takes effect.

What happens if I have an emergency while in Cambodia?

With proper travel insurance, you can contact a 24/7 assistance helpline provided by your insurer. They can help arrange medical care, evacuation, language support, or legal help as needed. Always keep your insurance certificate and emergency numbers available during your trip.

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The Best Travel Insurance Plans for Bulgaria in 2025
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What are the best travel insurances for Oman in 2025?
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Best Travel Insurance for China in 2025
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15 July 2025
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16 July 2025
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15 July 2025
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16 July 2025
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16 July 2025
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15 July 2025
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15 July 2025
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16 July 2025
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15 July 2025
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What are the Best Travel Insurance Plans for Georgia in 2025?
15 July 2025
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15 July 2025
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The Best Travel Insurance Plans for Armenia in 2025
16 July 2025
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The Best Travel Insurance Plans for Maldives in 2025
15 July 2025
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The Best Travel Insurance Plans for New Caledonia in 2025.
15 July 2025
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16 July 2025
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16 July 2025
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16 July 2025
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16 July 2025
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16 July 2025
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16 July 2025
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16 July 2025
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16 July 2025
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16 July 2025
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15 July 2025
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15 July 2025
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The Best Comprehensive Travel Insurance Plans for 2025
4 July 2025
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15 July 2025
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15 July 2025
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16 July 2025
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16 July 2025
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9 April 2025
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16 July 2025
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A. Fruchard
A. Fruchard
Insurance expert
HelloSafe
Co-founder of HelloSafe and an experienced entrepreneur in the insurance and personal finance sector, Antoine uses his experience and in-depth knowledge of the market to help Internet users make the right choices. With an MBA in economics, he is a committed expert whose mission is to make personal finance and insurance issues simple and understandable. With a rich career marked by the creation of innovative companies, Antoine's ambition has always been to bring transparency to complex issues and to give power back to consumers. With HelloSafe, he continues to translate this vision by providing accurate advice, impartial comparisons and detailed explanations of travel insurance. He has analysed hundreds of contracts to reveal the best options available on the market.

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