🇰🇭 Travel Insurance for Cambodia

Quick Facts: Risk Level: Medium-High • Visa on arrival or e-visa

Do You Need Travel Insurance for Cambodia?

Not legally mandatory but absolutely essential. Cambodia has no public healthcare safety net for foreigners. Without insurance, you may need to pay $15,000+ upfront for an emergency evacuation.

Healthcare & Medical Costs in Cambodia

Healthcare in Cambodia is very limited. Phnom Penh has some acceptable private clinics — Royal Phnom Penh Hospital and Sunrise Japan Hospital. Siem Reap has basic private clinics. Rural healthcare is essentially non-existent for complex conditions.

Private clinic visit: $50–100. Hospital day: $200–500. Any serious medical condition requires evacuation to Bangkok (Thailand) — a medevac flight costs $15,000–25,000. Even Phnom Penh's best hospitals can't handle complex surgery.

Key Risks & Safety Concerns

Dengue fever is endemic, especially during rainy season (May–October). Landmine risk exists in rural areas away from tourist routes. Road accidents are extremely common — Cambodia has one of the highest road fatality rates in Southeast Asia. Food-borne illness is common.

Recommended Coverage for Cambodia

$100,000+ medical coverage with mandatory evacuation to Bangkok. This is non-negotiable — Cambodia cannot provide advanced medical care locally. Adventure add-on if visiting temples on motorbike or trekking in Mondulkiri/Ratanakiri.

Insider Tips for Cambodia

Verify your policy explicitly covers medical evacuation to Thailand — most serious cases are evacuated to Bangkok's Bumrungrad Hospital. If renting a motorbike (common for temple tours), check that your policy covers motorbike accidents as many exclude them. Avoid rural areas without checking for landmine risk.

Emergency numbers: 119 (ambulance), 117 (police)