For anyone travelling or working in this beautiful yet blighted country, Cambodia insurance is a priority. Landmines, border disputes, limited healthcare and hazardous road, water and air transport are some of the potential problems that face visitors. Be aware that standard insurance policies may not provide adequate cover.

Cambodia insurance – quick facts

  • There is some risk of street crime
  • Parts of Cambodia remain heavily affected by mines
  • International health insurance in Cambodia is strongly advised, along with cover for emergency evacuation
  • Road, rail, air and ferry travel can be hazardous due to poor maintenance and safety standards

Get the right insurance for Cambodia


  • Specialist Cambodia insurance – this can include protection for your personnel, property, vehicles and equipment
  • We can cover all of your business liabilities and help you to understand and meet contractual and local insurance obligations

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  • Due to Cambodia’s poor infrastructure and health care access, quality medical evacuation insurance is recommended for visitors and expats
  • We can cover you for life, personal accident, personal disability, medical emergencies, evacuation and other specialist insurance needs

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Potential problems in Cambodia what risks might you encounter?

Cambodia is still emerging from decades of war and the murderous regime of the Khmer Rouge. Their legacy is a countryside littered with mines and a people still largely dependent on subsistence farming. Yet despite its problems this is a beautiful land of shimmering rice paddies, ancient temples and virgin rain forest.

Visitors should be aware of potential hazards and take out appropriate levels of Cambodia insurance. With regards to unexploded ordnance, affected areas are often unmarked and you shouldn’t stray off main routes, particularly in rural regions and around temple complexes. An on-going border dispute with Thailand can occasionally erupt into violence with cross-border fire. In view of this Foreign and Commonwealth Office (FCO)advise against all travel to the Preah Vihear (Khaoi Pra Viharn in Thai) temple area and the Ta Krabey/Ta Moan temple area located on the Thai-Cambodian border.  

In Phnom Penh and tourist spots, crime such as pickpocketing and bag-snatching can be a problem. A small number of shootings and bomb attacks have been reported though these are mainly due to local disputes and are not targeted at foreign nationals. Poorly maintained roads, vehicles, ferries and erratic driving can make travel risky and be advised that Cambodian registered and operated airlines do not meet international standards.

Malaria, dengue fever and other waterborne diseases occur in Cambodia. Medical facilities are often meagre, so comprehensive health insurance is vital along with provision for emergency evacuation and repatriation.

For advice for companies talk to us. For individual policies get a quote.

Latest advice from the FCO

The FCO advise against all travel to certain areas. There have been reports of assaults and armed robberies against foreigners. Take out comprehensive travel and medical insurance before you travel.

Latest FCO Advice