What are the best travel insurances for Cambodia in 2025?
- 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
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.
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 recommend | Medical reimbursement limit | Our view |
|---|---|---|
| HelloTravel Premium | $1.1M | Our leading choice for trips to Cambodia. - high medical ceiling - repatriation included - suitable for medical evacuation needs |
| Cap Assistance 24/24 | $1.1M | A strong plan for short stays in Cambodia. - 24/7 emergency help - cancellation protection - no deductible |
| Tourist Card | $550k | Simple, effective coverage for tourists in Cambodia. - solid medical coverage - emergency and accident support - accessible pricing |
| Travel Pass Monde | $770k | All-round policy for extensive travel coverage. - repatriation covered - high hospital benefits - broad regional validity |
| Globe Partner | $330k | Good choice for extended international trips to Cambodia. - medical care abroad - repatriation included - civil liability coverage |
| Globe Traveller | $550k | Recommended for basic, short-term trips. - essential health protection - fast claims process - lower medical ceiling |
- high medical ceiling
- repatriation included
- suitable for medical evacuation needs
- 24/7 emergency help
- cancellation protection
- no deductible
- solid medical coverage
- emergency and accident support
- accessible pricing
- repatriation covered
- high hospital benefits
- broad regional validity
- medical care abroad
- repatriation included
- civil liability coverage
- essential health protection
- fast claims process
- lower medical ceiling
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.
The Legal Requirement for Travel Insurance to Enter 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 treatment | Cost at Royal Phnom Penh Hospital | Covered by travel insurance |
|---|---|---|
| I have to be hospitalized 48 hours after contracting an infection | 3,000,000 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 repatriated | 60,000,000 KHR (about $14,500) | up to 100% |
| I have appendicitis (consultation and surgery) | 12,000,000 KHR (about $2,900) | up to 100% |
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 coverages | Explanations and recommendations |
|---|---|
| 🏥 Medical expenses | 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 | 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 | 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 | 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 | 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 | 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 | Protects you if you cause accidental injury or property damage to others. Minimum recommended: $50,000 for civil liability coverage. |
| ⚖️ Legal assistance | Provides support in case of legal trouble, such as disputes or needing a lawyer. We recommend $10,000 or more for legal expenses. |
We recommend a reimbursement limit of at least $100,000 for medical costs.
Minimum recommended: $100,000, as evacuation can be very expensive.
We recommend a limit of $2,000–$3,000 for personal effects protection.
Minimum recommended: $3,000–$5,000.
Always preferred, no minimum, but ensure quality support in English.
We recommend at least $50,000, as private hospital costs can be substantial.
Minimum recommended: $50,000 for civil liability coverage.
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 duration | Traveler’s age | Indicative price per person |
|---|---|---|
| 1 week | 25 years old | $18 |
| 2 weeks | 45 years old | $28 |
| 1 month | 35 years old | $40 |
| 1 month | 70 years old | $105 |
These prices are indicative and may vary depending on the coverage chosen and the specifics of each insurer.
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 compareHow 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:
| Criteria | Why it matters | Expert tip |
|---|---|---|
| 🌏 Duration of stay | Longer 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 age | Insurance 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 coverage | Over-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 plans | Group policies can reduce costs if traveling with family or friends. | Ask for group or family rates as they are usually cheaper per person. |
| ☂️ Deductible amount | Higher 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 care | If you have US health insurance, check if it offers emergency international coverage. | Avoid duplicate health coverage if your US policy already covers emergencies. |
| 📦 Optional extras | Trip 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. |
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 insurance | Valid in Cambodia? | What it covers | Why Travel Insurance is better |
|---|---|---|---|
| Public health insurance (Medicare, Medicaid) | No, never | No 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, partly | Some 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, partly | Overseas 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, partly | Medical up to $50,000, delay/cancellation, rarely covers evacuation fully. | Travel insurance adds full evacuation, trip interruption, and dedicated local assistance. |
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.
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.
