A travel insurance policy that covers theft, property loss and medical expenses is more essential for Cambodia than for most other parts of Southeast Asia. Theft is less of a problem in Cambodia than some might imagine, but in the event of serious medical problems or an accident, it may be necessary to be air-lifted to Bangkok, an expense that stretches beyond the average traveler’s budget.
There are a wide variety of travel insurance policies available, and it’s wise to check with a reliable travel agent as to which is most suitable for Cambodia.
When buying your travel insurance always check the small print:
• Some policies specifically exclude dangerous activities ‘such as scuba diving and riding a motorcycle. If you are going to be riding a motorbike in Cambodia, check that you will be covered;
• Check whether the medical coverage is on a pay first, claim later basis; if this is the case, keep all documents relating to any medical treatment.
In the case of Cambodia, it is essential to check that medical coverage includes the cost of emergency evacuation.
INSURANCE ALERT!
Do not visit Cambodia without medical insurance. Hospitals are extremely basic in the provinces and even in Phnom Penh the facilities are generally not up to the standards you may be accustomed to. Anyone who has a serious injury or illness while in Cambodia may require emergency evacuation to Bangkok. With an insurance policy, costing no more than the equivalent of a bottle of beer a day, this evacuation is free. Without an insurance policy, it will cost between US$10,000 and US$20,000 – some what more than the average traveler’s budget. Don’t gamble with your health in Cambodia or you may end up another statistic!