Best Travel Insurance for Cambodia: Siem Reap, Phnom Penh & More

Travelling to Cambodia can be an enriching experience with its rich history and culture. From the ancient temples of Angkor Wat in Siem Reap to the bustling streets of Phnom Penh, Cambodia offers a unique blend of experiences that cater to all types of travellers.

However, while planning your Cambodian adventure, one crucial aspect that should not be overlooked is getting travel insurance. Cambodia, while beautiful and intriguing, presents certain challenges and risks that make travel insurance indispensable. This may include the need for comprehensive coverage for medical emergencies, especially when exploring rural areas. Additionally, unforeseen events such as flight cancellations, lost luggage, or even political unrest can disrupt your travel plans, resulting in significant financial losses if you are not adequately insured.

SingSaver understands that having the right travel insurance can make all the difference in enjoying a worry-free trip. With the potential risks in mind, SingSaver helps you compare the best travel insurance options in Singapore, ensuring you find a plan that offers the coverage you need for your trip to Cambodia. Whether it’s for medical emergencies, trip cancellations, or theft, you do not have to worry. We provide you with the details needed to make an informed choice.

By carefully selecting a travel insurance plan that suits your needs, you can travel with peace of mind, knowing that you are protected against unforeseen circumstances. This way, you can focus on enjoying your vacation in Cambodia, confident that you're covered no matter what happens. 

Let SingSaver guide you in securing the best travel insurance so your trip to Cambodia is safe, enjoyable, and stress-free.

Enjoy your trip to Cambodia with a peace of mind.

Importance of travel insurance for Cambodia from Singapore

Having travel insurance is beneficial not only for your trip to Cambodia but also for all your international travels. Here are a few solid reasons you should consider getting solo or family travel insurance:

Medical emergencies

Medical emergencies can occur at any time, and in Cambodia, the quality and cost of healthcare can vary significantly. In urban areas like Phnom Penh and Siem Reap, you may find some well-equipped hospitals and clinics. 

However, in rural areas, medical facilities are often inadequate, lacking essential medical equipment and other important health resources. In severe cases, you might need a medical evacuation to a neighbouring country like Thailand or even back to Singapore, which can cost thousands of dollars.

Without travel health insurance, you would have to bear these expenses out of pocket, which can be financially devastating. That's why having a comprehensive policy ensures that you have adequate medical coverage for unforeseen events during international travel. This can help in taking care of hospital bills, medical treatments, and emergency medical evacuation. This way, you can focus on your recovery without worrying about the financial burden.

Trip cancellations and interruptions

Travel plans can be disrupted for various reasons, and Cambodia's weather patterns and political climate can sometimes lead to unexpected trip cancellations or interruptions. For instance, during the rainy season, flights can be delayed or cancelled due to severe weather conditions. Additionally, political instability or sudden personal emergencies can force you to cancel or cut short your trip.

Without travel insurance with natural disaster cover, emergency evacuation cover, or family emergency cover, the financial losses of non-refundable booking can be substantial. Travel insurance helps mitigate these losses by providing reimbursement for prepaid, non-refundable expenses. This means that if your trip is cancelled or interrupted for covered reasons, you won't be left out of pocket. Having this coverage allows you to reschedule your trip or handle emergencies without the added stress of financial loss.

Theft and loss

The risk of theft or loss of personal belongings, including passports, luggage, and valuables, is a concern for travellers. Cambodia, like any other country, has areas where tourists might be targeted for theft or pickpocketing. Losing essential items such as your passport or luggage can be a major inconvenience and can disrupt your travel plans significantly.

Travel insurance can cover the costs of replacing lost or stolen items, providing you with financial compensation to buy new belongings or arrange for new travel documents. Many policies also offer assistance services that can help you with the process of getting a new passport or emergency cash. This coverage gives you peace of mind throughout your trip, knowing that you have support and financial backing in case of theft or loss.

Comparing Cambodia travel insurance plans

When choosing the right travel insurance for your Cambodia trip, it is best to consider your travel needs and priorities. 

If you’re a budget traveller who requires only essential coverage, then consider the Starr TraveLead Valuable Secured with COVID-19 Coverage (Bronze Plan). This plan offers good value for those looking to save on insurance costs while still receiving essential coverage, including COVID-19 protection. It also has great coverage for loss of baggage and rental car excess.

If you plan to stay in Cambodia for an extended period and need more comprehensive coverage, the MSIG Standard Plan is a reliable choice. This travel insurance plan offers substantial overseas medical coverage and protection for potential flight diversions, cancellations, or postponements, ensuring you are well-covered for various travel disruptions.

For travellers with pre-existing medical conditions, travel insurance with pre-existing conditions coverage to consider is the MSIG Standard Pre-Ex Plan. Although this plan may have a higher premium cost compared to the standard plan, it offers significant benefits for those needing coverage for existing health issues.

Additionally, for robust travel insurance with COVID coverage, we recommend the Allianz Travel Hero (ASEAN) plan with a starting premium rate of S$24.00. This travel insurance plan provides extensive protection against COVID-19-related incidents, making it a prudent choice in the current global health climate. This travel insurance plan also offers excellent coverage for trip cancellations in case of emergencies.

The best travel insurance to Cambodia from Singapore

Get a detailed breakdown of the various benefits offered by the best travel insurance plans in Singapore for your trip to Cambodia.

MSIG TravelEasy 

MSIG TravelEasy offers comprehensive coverage designed to meet the needs of modern travellers. Known for its extensive benefits and high coverage limits, it ensures that you are well-protected throughout your journey.

• Medical coverages: MSIG TravelEasy provides high medical coverage limits, with its Standard Plan having overseas medical coverage of up to S$250,000 and Premier Plan with up to S$1,000,000. It also comes with an overseas hospitalisation allowance starting from S$20,000 and a Singapore hospitalisation allowance of up to S$500.
• Travel inconveniences: This plan covers a range of travel inconveniences, including trip cancellations and interruptions. Trip cancellation for the Standard Plan goes up to S$5,000, and flight cancellation or delay is up to S$500. For the Premier Plan, trip cancellation coverage is up to S$15,000, and flight cancellation or delay is up to S$1,500.
• Loss of baggage or travel documents: If your belongings are lost, stolen, or damaged during your trip, you will be reimbursed for the replacement costs, minimising disruption to your travel plans. Loss of travel documents is up to S$2,000 when you get the Standard Plan, and coverage for baggage loss is up to S$3,000. If you get the Premier Plan, coverage for baggage loss is up to S$7,500, while loss of travel documents is up to S$5,000.
• COVID-19 coverage: The plan includes comprehensive COVID-19 coverage, protecting you against expenses related to treatment and quarantine if you contract the virus during your trip. The Standard Plan gives you up to S$3,000 for trip cancellation due to COVID-19 and medical expenses of up to S$75,000. Alternatively, the Premier Plan offers trip cancellation coverage of up to S$5,000, while the medical expense is up to a generous S$250,000.

Allianz Travel Insurance

Allianz Travel Insurance is one of the top choices for travellers seeking exceptional medical coverage and comprehensive travel protection. The Allianz Travel Hero (ASEAN) plan, in particular, offers enticing benefits for those who want travel insurance at an excellent value.

• Medical coverages: The Allianz Travel Hero (ASEAN) plan offers substantial medical coverage, with up to S$200,000 for overseas medical expenses. It also comes with coverage for accidental death and permanent disability up to S$50,000.
• Travel inconveniences: The plan also provides extensive benefits for travel inconveniences such as trip cancellations and delays. Get up to S$5,000 to cover non-refundable purchases due to trip cancellation and up to S$1,000 for trip delays.
• Personal liability: Receive substantial personal liability coverage of up to S$500,000 with the Allianz Travel Hero (ASEAN) plan. That way, you have adequate protection from legal and compensation costs if you accidentally cause injury to someone or damage their property.
• Loss of baggage or travel documents: This plan covers the loss of baggage and travel documents, providing reimbursement of up to S$3,000 for loss of travel documents and S$3,000 for loss of baggage.
• COVID-19 coverage: Get up to S$200,000 in COVID-19 coverage to ensure adequate financial protection for medical expenses and quarantine costs if you contract the virus while travelling.

Tiq Travel Insurance

Tiq Travel Insurance offers a comprehensive suite of coverage options designed to safeguard your travels, ensuring peace of mind from unexpected events and allowing you to focus on enjoying your adventures.

• Medical coverage: Tiq's travel insurance provides extensive medical coverage, including up to S$200,000 in overseas medical expenses coverage and an overseas hospitalisation allowance of up to S$5,000 for its Travel Entry plan. On the other hand, its Travel Luxury plan gives you up to S$1,000,000 in overseas medical expenses and an overseas hospitalisation allowance of S$20,000.
• Travel inconveniences: Receive up to S$5,000 for trip cancellation coverage and up to S$300 for flight cancellation and delay when you avail of the Travel Entry insurance plan. If you opt for the Travel Luxury insurance plan, you get up to S$10,000 for trip cancellation and S$500 for flight cancellation and delay.
• Loss of baggage or travel documents: With the Travel Entry plan, you can receive up to S$2,000 for baggage loss and S$150 for the loss of travel documents. If you opt for the Travel Luxury plan, the coverage increases to up to S$3,000 for lost baggage and S$500 for lost travel documents.

Important note: Tiq Travel Insurance does not provide coverage for COVID-19-related expenses.

Starr TraveLead Travel Insurance

Starr TraveLead Travel Insurance offers flexible coverage options to cater to various travel needs, ensuring you're protected during your adventures. Whether you're embarking on a short getaway or a long-haul journey, Starr TraveLead has a plan to suit your budget and priorities.

• Medical coverage: Similar to other travel insurance options, Starr TraveLead’s Essential and Comprehensive Plan covers up to S$200,000 in overseas medical coverage and provides an overseas hospitalisation allowance of up to S$5,000. 
• Travel inconvenience: Coverage for trip cancellations and delays is only available in the Trip Secured and Comprehensive insurance plan, which covers up to S$5,000.
• Loss of travel documents and baggage: This benefit is available only with the Trip Secured and Comprehensive insurance plans, offering up to S$2,000 for lost travel documents and up to S$3,000 for lost baggage under both plans.
• COVID-19 coverage: All their travel insurance tiers offer COVID-19 medical expenses of up to S$15,000.

Comparing Cambodia travel insurance coverage

It’s important to note that the coverage listed above is an overview of each travel insurance provider’s offerings. Each recommended provider offers multiple plans with varying benefits, allowing you to choose one that best suits your specific preferences and needs.

Plan ahead for Cambodia with travel insurance.

How much does Cambodia travel insurance cost?

If you are wondering how much travel health insurance costs for your Cambodia trip, the rates will actually vary. Several factors influence the premiums you will pay for your travel insurance policy. Here is a detailed breakdown of the key factors that affect the cost:

Coverage level

The level of coverage you choose significantly impacts the cost of your travel insurance for your Cambodia trip. Policies with higher coverage limits for medical expenses, trip cancellations, and other protections typically have higher premiums. 

Duration of trip

The length of your trip also affects the cost of travel insurance. Generally, the longer you stay in Cambodia, the higher your premium will be. This is because the insurer’s risk increases with the number of days you are travelling. As such, short weekend trips will cost less to insure compared to extended vacations or long-term stays. 

Many insurers offer multi-trip or annual travel insurance policies that can be more cost-effective if you travel frequently throughout the year. 

Traveller’s age

Age is another crucial factor in determining travel insurance premiums. Senior travel insurance often has higher premiums due to the increased risk of health issues and the likelihood of requiring medical assistance while abroad. 

Insurance providers may have different age brackets that affect the cost, with premiums rising as travellers move into higher age categories. Young adults and children usually enjoy lower rates, whereas seniors may see a significant increase in the cost of coverage.

Specific activities

The activities you plan to engage in during your trip can also influence the cost of your travel insurance. 

High-risk activities such as scuba diving, trekking, or other adventure sports can increase premiums. This is due to the greater risk of injury associated with these activities. If you plan to participate in such activities, it’s essential to choose a policy that includes coverage for them, even if it comes at a higher cost. 

Conversely, if your itinerary involves mostly sightseeing and relaxation, you may opt for a less expensive plan with standard coverage.

Does travel insurance cover car rental excess in Cambodia?

When travelling to Cambodia, renting a car can provide the freedom and flexibility to explore the country at your own pace. However, it also comes with its own set of risks, like potential damage to the rental vehicle or theft. 

This is where overseas car insurance is beneficial. Many insurance policies offer car rental abroad insurance as an add-on or as part of their standard travel insurance plan. But before you opt to get one, here is what you need to know about overseas car insurance:

Car rental excess

Car rental excess refers to the amount you are liable to pay in case of damage to the rental vehicle or theft. Most car rental agreements come with an insurance policy that includes a significant excess, often amounting to several hundred or even thousands of dollars. 

Coverage for car rental excess reimburses you for this out-of-pocket expense, ensuring you are not left with a hefty bill in case of an incident. 

This coverage can save you a considerable amount of money and provide peace of mind while driving in a foreign country.

Travel insurance coverage

Including car rental excess coverage in your travel insurance policy means that your insurer will cover the excess amount specified in your rental agreement. This can encompass a range of scenarios, such as accidental damage to the vehicle, collision with another car, or theft of the rental car. 

It's essential to inquire about the specifics of your car rental excess coverage from your travel insurance provider to ensure you have the necessary protection while travelling to Cambodia.

Exclusions

While car rental excess coverage provides significant benefits, it is important to be aware of the exclusions and limitations that may apply. Some exclusions include specific vehicle types, like luxury cars and motorcycles. 

Should incidents occur while you are driving under the influence of alcohol or drugs, or engaging in reckless driving, this is typically excluded from coverage. Moreover, damage incurred while driving off-road or on unpaved surfaces is often excluded.

Region-specific travel insurance advice

Understanding the nuances of different regions in Cambodia can help you choose the best travel insurance for your specific needs.

Phnom Penh and major cities

In bustling Phnom Penh and other major cities like Siem Reap and Battambang, access to healthcare facilities is generally good. However, the quality of care can vary significantly. 

It’s important to note that private hospitals and clinics often provide better services but come with higher costs. Therefore, a comprehensive travel insurance plan that includes overseas medical coverage is crucial. It should cover not only emergency medical expenses but also evacuation to a well-equipped facility or back to your home country if necessary.

Moreover, petty theft and scams are common in crowded areas. Consider insurance that covers the loss or theft of personal belongings, including cash, electronics, and travel documents. You should also ensure your plan also provides assistance with replacing lost passports or visas.

Siem Reap and cultural sites

Siem Reap, home to the iconic Angkor Wat temple complex, attracts many tourists. While the city boasts decent medical facilities, the remote nature of many cultural sites in the region necessitates having travel insurance. Medical emergencies can occur unexpectedly, and having coverage for evacuation by air or ambulance could be life-saving.

Furthermore, exploring ancient ruins and temples often involves hiking and climbing, increasing the risk of accidents and injuries. A travel insurance plan with personal accident coverage can provide financial support in such situations. 

Additionally, as these sites are popular tourist destinations, the risk of theft is elevated. Ensure your insurance covers the loss or damage of your belongings, including cameras and other valuables.

How to pick the best travel insurance for Cambodia

Selecting which travel insurance is the best fit for your trip to Cambodia involves reviewing and understanding the myriad of options available. To help you simplify the process, here is a step-by-step guide on picking the appropriate travel insurance for your needs and budget:

Step 1: Assess your travel needs

Start by evaluating your specific needs and potential risks. Consider the type of activities you'll be participating in, your overall health condition, and the value of your belongings. By listing down your health needs and priorities, you can identify the key coverage areas you should have in your policy.

Step 2: Understand coverage essentials

Ensure your chosen policy covers the following essential areas:

• Medical emergencies: This includes hospitalisation, overseas medical treatment, evacuation, and repatriation in case of accidents or illnesses.
• Trip cancellations or interruptions: This covers non-refundable expenses if you have to cancel or cut short your trip due to unforeseen events like illness, injury, or natural disasters.
• Lost or stolen baggage and personal belongings: This compensates you for the value of your lost or stolen items.
• Travel delays: This provides reimbursement for additional expenses incurred due to flight delays or cancellations.

Step 3: Compare policies

SingSaver provides a travel insurance comparison tool that allows you to compare different travel insurance policies. Be aware of coverage limits, deductibles, and premiums. 

Step 4: Check for exclusions

Carefully read the policy's fine print to understand what's not covered. Common exclusions may include pre-existing conditions, high-risk activities (like mountaineering or bungee jumping), or losses due to negligence. 

Choose a policy with minimal exclusions that align with your travel plans.

Step 5: Evaluate cost vs. coverage

Balance the cost of the policy with the coverage it provides. Avoid simply opting for the cheapest option, as it may not offer adequate protection. Instead, choose a plan that offers sufficient coverage for your needs without breaking the bank.

Step 6: Review policy details

Before making a final decision, thoroughly review the policy documents, including the terms and conditions, coverage limits, claim procedures, and any additional benefits or features.

Step 7: Purchase from reputable insurers

Besides offering comprehensive coverage, choosing a well-established travel insurance provider with a strong reputation for customer service and claims processing is essential. Look for insurers with a proven track record of handling claims efficiently and fairly. 

Online review platforms and travel forums can be valuable resources for researching the reputation of different travel insurance providers.

Safety tips for travelling to Cambodia

With a wide range of activities to do and sights to see in Cambodia, it’s still important to be vigilant when you visit. Take the necessary precautions to ensure a safe and enjoyable experience.

Outdoor and recreational activities

Cambodia offers a plethora of outdoor adventures, from exploring ancient temples to trekking through lush jungles. However, it's essential to prioritise safety while engaging in these activities. Here's what you should keep in mind:

• Choose reputable tour operators: Opt for well-established and licenced tour companies with experienced guides who prioritise safety.
• Research the activity: Before embarking on any outdoor adventure, thoroughly research the activity, its risks, and the required fitness level. Ensure you're physically prepared and equipped with the necessary gear.
• Follow safety guidelines: Always listen to your guides and follow safety instructions. Don't take unnecessary risks, and avoid venturing off designated paths or trails.
• Be aware of your surroundings: Stay alert and aware of your surroundings, especially in remote areas. Watch out for wildlife, uneven terrain, and potential hazards.
• Inform someone of your plans: Let someone know your itinerary and expected return time, especially if you're going on a solo adventure.

Preparing for natural disasters

Cambodia is also prone to natural disasters like floods and earthquakes. To stay safe, follow these tips:

• Stay informed: Before and during your trip, stay updated on weather forecasts and any potential natural disaster warnings. Register with your embassy or consulate to receive alerts and updates.
• Know the evacuation routes: Familiarise yourself with the evacuation routes and emergency procedures for your accommodation and the areas you'll be visiting.
• Have a plan: Discuss emergency plans with your travel companions and establish a designated meeting point in case you get separated.
• Pack an emergency kit: Carry a small emergency kit containing essential items like a flashlight, first-aid supplies, water, and non-perishable food.

Be fully prepared for your Cambodia trip with travel insurance.

Frequently asked questions for travelling to Cambodia

Can I get coverage for pre-existing medical conditions?

Yes, some travel insurance policies offer coverage for pre-existing medical conditions. However, it's crucial to declare these conditions when purchasing the insurance and before you travel to Cambodia. Failing to disclose a pre-existing condition can result in your claims being denied. 

Coverage for pre-existing conditions typically includes medical emergencies and treatments related to your condition while travelling. Some insurers may require you to undergo a medical assessment or provide a detailed medical history. 

It’s important to read the policy details carefully to understand the extent of the coverage, any additional premiums, and the conditions under which you are covered.

What is the best travel insurance for adventure activities in Cambodia?

For travellers planning to engage in adventure activities in Cambodia, the MSIG Elite Plan and Premier Plan are highly recommended due to their comprehensive adventure activity coverage. Their travel insurance for adventurous activities covers bungee jumping, diving, and more. 

Make sure to review the policy to ensure that it covers the activity you’re planning to engage in during your trip.

How do I file a claim with my travel insurance provider?

Filing a claim with your travel insurance provider is usually a straightforward process, often done online or through customer service hotlines. 

To file a claim, you will need to provide relevant documents and receipts as evidence of your expenses and the circumstances leading to the claim. These documents may include medical reports, police reports (in case of theft or loss), receipts for expenses incurred, and proof of travel arrangements. 

Start by contacting your insurance provider as soon as possible to report the incident and receive detailed instructions on the claims process. 

Alternatively, many insurers have user-friendly online portals where you can submit your claim from Cambodia or anywhere overseas and track its status. Keeping thorough records and submitting all required documentation promptly will help expedite the process and ensure a smooth claims experience.

Can I buy travel insurance for Cambodia after booking my trip?

Yes, you can purchase travel insurance for Cambodia after booking your trip. However, it is advisable to buy travel insurance as soon as possible to ensure maximum coverage. 

Purchasing insurance early allows you to take advantage of trip cancellation and interruption benefits, which can protect you from unforeseen events that may force you to cancel or change your travel plans.

What happens if I need an emergency medical evacuation in Cambodia?

If you need an emergency medical evacuation in Cambodia, your travel insurance provider will coordinate and cover the costs of transporting you to the nearest adequate medical facility. This process typically involves assessing your medical condition and determining the most appropriate means of evacuation, which could include ground ambulance, air ambulance, or commercial flights with medical accompaniment. 

Your insurer will work with local medical services to ensure you receive timely and appropriate care during the evacuation. The costs covered by your policy will depend on the coverage limits specified in your travel insurance plan. 

Emergency medical evacuation can be very expensive, so having this coverage ensures that you receive necessary medical attention without incurring significant out-of-pocket expenses.

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