Travel Insurance for Cambodia
Last updated on 03/14/2023
Do I Need Travel Insurance for Cambodia?
As of April 25, 2022, travelers are not required to have travel insurance to enter Cambodia. All visitors to Cambodia must either show proof of full vaccination against COVID-19 or take a COVID-19 test upon arrival, quarantine for 7 days, and take an additional COVID-19 test at the end of the 7-day quarantine.
International travel can be unpredictable, so it's best to be prepared for obstacles during your trip before they happen. Travelers flying with an airline may consider travel insurance to cover disruptions like travel delays or missed connections on the way to and from Cambodia. Similarly, those planning to take a cruise may get assistance from Cambodia cruise insurance in the event of shipboard disruptions or cases in which it becomes necessary to return home early.
Travel insurance can help to protect travelers for business and pleasure from various unforeseen events. Whether you're concerned about healthcare coverage, reimbursement for lost baggage, or even travel insurance for nomads, there are Cambodia travel protection plans to fit many types of budgets, needs, and schedules.
How Much Does Cambodia Travel Insurance Cost?
Travelers planning a trip to Cambodia often want to know about the price of travel insurance. As travel insurance plans vary to adapt to the specific trip and travelers being covered, there is no single price for all Cambodia trip insurance. Some factors such as the duration of the trip and ages of the covered travelers most always play a role in calculating the overall price of a plan. In general, travelers can expect rates to increase as risk involved with the trip increases. Sometimes travelers want to insure the total nonrefundable cost of their trip, which can cost more but may prove to be worth it in the event of a trip cancellation.
What Does Travel Health Insurance for Cambodia Cover?
Travel health insurance for Cambodia usually includes coverage for emergency medical treatment, dental care, medical evacuation, and 24-hour traveler assistance hotlines. These benefits may also be purchased in conjunction with travel-related benefits such as travel delays, trip cancellation, and more in a comprehensive travel insurance plan.
Most travelers have their own concerns when buying coverage for a trip to Cambodia. Some common travel medical benefits to consider for Cambodia may include:
- Motorcycle/Motorbike coverage
- Trip interruption
- Pre-existing conditions
These benefits do vary by plan, and some coverages – such as coverage for pre-existing conditions – may have certain eligibility requirements. Please be sure to review your travel insurance policy before purchasing.
Many travelers have health insurance from their home country. However, most domestic health insurance companies will not cover medical expenses overseas. For this reason, it is important to get information about what, if any, limitations exist in your domestic plan's international coverage. Travel medical insurance for Cambodia can provide coverage if a traveler must seek emergency treatment for illness or injury at a Cambodian medical facility.
What is the Best Travel Insurance for Cambodia Trips?
Every trip abroad is different, so the best international insurance for a trip to Cambodia can depend on the needs of the traveling party. This may include budget, personal health concerns, and trip details like planned activities during the trip. Fortunately, travelers can easily compare different travel insurance plans and providers to find coverage that may suit their next trip to Cambodia.
Travel Tips & Safety for Cambodia
Money & Currency Exchange
Cambodia's official currency is the Cambodian riel, or Khmer riel. The Cambodian riel is represented by the currency code KHR, and when shopping you may see prices marked with the ៛ symbol. The currency has gone through some changes over the years, but now the Cambodian riel is typically only exchanged as banknotes in denominations of ៛50, ៛100, ៛200, ៛500, ៛1000, ៛2000, ៛5000, ៛10000, ៛20000, ៛50000 and ៛100000. An unofficial dual currency system is in place in Cambodia, so many Cambodian vendors will accept U.S. dollars as well as Cambodian riel. Even if you pay in U.S. dollars, you can generally expect to get your change back in riel. Keep in mind that although U.S. dollars are widely accepted in Cambodia, some smaller vendors in more remote locations are less likely to want foreign currency. Many major businesses in cities will accept credit cards but may charge hefty fees, so in most cases the better deal comes with withdrawing U.S. dollars or Cambodian riel at an ATM or money exchange service.
Cambodian locals tend to use buses, trains, and rideshares to get around. The Phnom Penh City Bus connects major points within the city, making it easy to reach the Prek Pnov (North), Ta Khmao (South), Chbar Ampov (East), and the Phnom Penh Special Economic Zone (West). Phnom Penh is within reach of other provinces and the international airport via railways. Trains in Cambodia are typically quite affordable. In recent years, the rideshare apps Uber and Grab have gained popularity in Cambodia and remain a common resource for tourists and locals alike. When using rideshare apps, you won't need to worry about negotiating a taxi price or getting scammed since payment is made via the app. Travelers may also find domestic flights, taxis, and boats just as helpful, especially when traveling long distances or exploring off the beaten path.
Cambodia also offers open-air tuk-tuk rides, a unique and iconic experience common in Thailand, Vietnam, the Philippines, and Cambodia. Tuk-tuks and motorbike taxis are generally quite affordable, but they aren't the safest modes of transportation in Cambodia. For that reason, travelers are recommended to use trains, buses, and rideshares whenever possible.
Risk & Crime
Cambodia is considered a relatively safe country to visit, scoring a 68 out of 100 on TravelSafe's safety index. Vigilant travelers who take precautions to avoid tourist scams and petty theft can generally expect their trips to go smoothly. As a rule of thumb, it's best practice to keep your personal belongings hidden from public view and completely inaccessible to passersby in Cambodia. This means that any cell phones, cameras, and important travel documents should always be stored away close to your body while in public. Additionally, visitors should stay in well-lit areas near other people whenever possible. Pickpockets in Cambodia tend to operate around public transportation facilities and may target foreigners dressed in expensive clothing or jewelry. In general, Cambodia's major tourist destinations expose travelers to less risk than more remote areas.
As for natural disasters, Cambodia has seen a history of flooding in the country's wet season, usually May through October. This seasonal flooding has caused significant damage to some parts of Cambodia. We recommend keeping an eye on the U.S. State Department's travel advisories for Cambodia as well as Open Development Cambodia's weather news reports before and during your trip for the most up-to-date local information.
Top 15 Travel Destinations in Cambodia
- Angkor including Angkor Wat
- Siem Reap
- Phnom Penh
- Kampot & Kep
- Koh Rong & Koh Rong Sanloem
- Koh Ker
- Preah Vihear
- Koh Kong
- Tonlé Sap Lake
- Koh Tonsay
U.S. / Cambodia Embassy and Consulate Locations
U.S. Embassy in Cambodia
- U.S. Embassy Phnom Penh
#1, Street 96
Sangkat Wat Phnom
Khan Daun Penh, Phnom Penh
Cambodian Embassy and Consulate in USA
- Washington DC — Cambodian Embassy
4530 16th Street, NW
Washington DC 20011 United States
- Los Angeles, California — Cambodian Honorary Consulate
3448 E. Anaheim Street
Long Beach, CA 90804 United States
- Seattle, Washington — Cambodian Consulate General
1818 Westlake Avenue N., Suite 315
Seattle, WA 98109 United States
- New York, New York — Cambodian Permanent Mission to the UN
327 East 58th Street
New York, NY 10022 United States
Disclaimer: The information contained in this article serves as a general overview of benefits and should only be used for informational purposes. Refer to your individual certificate of insurance for specific coverages, exclusions, and benefits. When in doubt, please contact one of our licensed agents for additional assistance.