Travel Insurance for Cambodia

Cambodia is noted for its diverse culture. From the ancient Angkor to the river walks in Phnom Penh, there are multiple things to explore. You may explore stone carvings in the morning and spend your afternoon at a café near the Mekong River. The pace feels natural and slow.

There is also plenty to enjoy if food is high on your list. Fresh seafood, simple rice dishes, and traditional Khmer flavours give you a close taste of local life without being overwhelming.

While exploring Cambodia, it is also sensible to think ahead. Health issues, misplaced baggage, or other travel hiccups can disrupt vacation plans. And that’s where having a travel insurance policy can help. It can help cover these unexpected costs, so you’re not stuck paying out-of-pocket during your trip.

With IndusInd Cambodia travel insurance, you have support to manage such situations smoothly so that you can focus on your journey. For instance, we offer 24/7 assistance via the IndusInd Insurance app, cashless hospital claims overseas, and family plan options if you’re going on vacation with your family.

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Why 8 Crore+ Policyholders Choose Us?

Even the best travel planning cannot always save you from an unfortunate event. You never know when a medical crisis may hit or when someone may pickpocket you, resulting in the loss of your passport, cash, and other valuables. But with IndusInd Cambodia Travel Insurance (formerly Reliance Cambodia Travel Insurance), you don’t have to stress about financial disruptions.

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$500,000 Coverage

High Medical Coverage

24/7 Customer Support

Get help anywhere in Cambodia

AI-Powered App

Quick processes and 24/7 support

No Medical Check-ups

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Benefits of Buying Cambodia Travel Insurance

Cashless Medical Coverage

What if fish amok, prahok, or Khmer street food don't agree with your stomach? Or what if a pre-existing condition flares up just before you set out to explore the Angkor temple complex or take a boat ride on Tonlé Sap Lake? Don't worry. With us, you can receive medical treatment of up to USD 500,000* (and up to USD 500* for emergency dental treatment) at certified hospitals in Cambodia without paying anything upfront.

24/7 Emergency Cash Support

What if, while relaxing at a beachside bar in Sihanoukville or exploring the lively night markets of Phnom Penh, you realise your wallet has been stolen? Without a backup, your Cambodia trip could quickly go off track. To help you manage essentials like meals, local transport, and accommodation, we provide emergency cash assistance of up to USD 300. Simply contact our 24/7 assistance helpline, and we will help you.

Flight Delays & Connecting Flights

Flying into Cambodia during busy travel months means airports like Phnom Penh and Siem Reap can see heavy passenger traffic. When arrivals pile up, flight schedules don't always run on time. If your flight to Cambodia is delayed by more than 12 hours, we help ease the inconvenience with financial support of up to USD 60 per day*. You’re also covered for any missed connecting flights due to the delay.

Lost Baggage Support

What's worse than landing in Cambodia and realising your luggage hasn't arrived? But instead of stressing, give us a call. We will provide you with up to USD 100* if your checked baggage is delayed by 12 hours or more. And if the airline misplaces your luggage, you can receive up to USD 1,500* in financial assistance to help you buy essentials such as clothes, toiletries, and other daily necessities.

Personal Liability

Cambodia, especially during peak travel months, can get busy around tourist hubs. If you rent a car or a two-wheeler and accidentally injure someone or damage their property, we have got your back. With our Travel Insurance for Cambodia, you get coverage of up to USD 200,000* to handle such third-party legal liabilities.

Loss of Passport

While travelling across Cambodia, whether you are taking a boat ride on Tonlé Sap Lake, moving between Siem Reap and Phnom Penh, or changing tuk-tuks and taxis, it is easy to misplace your passport in the rush. That's where we step in. We offer up to USD 300* to help cover passport replacement costs.

Key Features

Key Features of IndusInd Cambodia Insurance

Individual Travel Plan

Whether you are travelling solo to explore Cambodia’s ancient temples and rich Khmer heritage or visiting the country for business, get IndusInd Cambodia Travel Insurance and enjoy wide protection against unexpected events that can disrupt your trip.

Key Features-Individual Travel Plan

Features	Popular Coverage (in USD)	Maximum Coverage (in USD)
Medical expenses	$100,000	$500,000
Personal liability	$100,000	$200,000
Personal accident	$20,000	$30,000
Total loss of baggage	$1,000	$1,500
Loss of passport	$300	$300
Delayed checked-in baggage	$100	$100
Trip delays	$25/day (maximum cap of 6 Days)	$60/day (maximum cap of 6 Days)
Dental treatment	$500	$500
Home burglary insurance	₹1,00,000	₹3,00,000
Compassionate visit	Return fare for a family member/doctor	Return fare for a family member/doctor

Family Travel Plan

Planning a trip to Cambodia with your family? Why purchase separate travel insurance for each member when you can cover everyone under a single family plan? All you need to do is share their ages, and we will provide you with an instant quotation. Remember, in a family plan, the sum insured is shared among all covered members, without any specific proportion.

Key Features-Family Travel Plan

Features	Popular Coverage (in USD)	Maximum Coverage (in USD)
Medical expenses	$100,000	$250,000
Personal liability	$100,000	$200,000
Personal accident	$15,000	$25,000
Total loss of baggage	$500	$1000
Loss of passport	$300	$300
Delayed checked-in baggage	$100	$100
Trip delays	$25/day (maximum cap of 5 Days)	$50/day (maximum cap of 7 Days)
Dental treatment	$500	$500
Home burglary insurance	₹1,00,000	₹1,00,000
Compassionate visit	Return fare for a family member/doctor	Return fare for a family member/doctor

Disclaimer: Please refer to the official policy documents for detailed information linked here.

Inlcusion Exclusion

IndusInd Cambodia Insurance: Inclusions & Exclusions

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What is covered?

Emergency Care: Covers medical and dental treatment resulting directly from accidental injuries sustained during your trip.

Pre-existing Diseases: If a pre-existing condition becomes life-threatening while travelling, emergency treatment costs will be covered.

Third-Party Liability: If you accidentally injure someone or damage their property, we’ll cover the resulting medical or repair expenses.

Travel and Baggage Delay: Covers delays due to medical emergencies, bad weather, job loss or security issues. Baggage delays exceeding 12 hours are also covered.

Lost Passport: If your passport is lost or stolen during your trip, the plan helps cover the cost of getting you a replacement.

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What is not Covered?

Planned Treatment: Travelling to any Asian country solely for medical treatment, surgery or cosmetic procedures is not covered under the policy.

Undeclared Pre-existing Diseases: Medical emergencies related to pre-existing illnesses that were not disclosed before purchasing the plan will not be covered.

Pregnancy-Related Exclusion: If you are over 30 weeks pregnant, any expenses related to childbirth or associated complications during the trip are excluded.

Legal Violations: Costs arising from legal issues, including situations that result in your passport being seized by authorities, are not covered.

Negligence: Claims won’t be accepted for missed flights caused by personal delays or failure to carry necessary travel documents.

Disclaimer: Please refer to the official policy document for detailed inclusions and exclusions.

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How to Buy?

How to Buy IndusInd Cambodia Travel Insurance?

Before you pack your bags for Cambodia, take a moment to get instant IndusInd Cambodia Travel Insurance online. Here’s how:

Location Travel Insurance

Select Trip Type

Scroll up to the form on top and select your travel purpose.

Enter Your Details

Enter your travel dates, DOB and choose Cambodia as your destination.

Compare & Select

For an instant quote pick your SI in calculator below and click "Compare Plans".

Complete KYC

Enter your phone number and complete the online KYC process.

Pay & Get Policy

Pay online and get your Cambodia travel insurance plan instantly via email.

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How to Claim?

How to Claim IndusInd Cambodia Travel Insurance ?

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Cashless

Get all-around protection for your car with us! We also settle claims cashlessly when you opt for repairs at any of our 11,000+ network garages.

Steps to file a cashless claim

For medical claims, let us know via our helpline or email using your policy number.

Check if the hospital accepts cashless claims & submit the claim form.

IndusInd Care (previously Reliance Care) will review the claim and your documents.

Upon approval, we place a Guarantee of Pay (GoP) to the hospital.

If the hospital does not agree to the GoP, you can always file a reimbursement claim.

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Reimbursement

Get all-around protection for your car with us! We also settle claims cashlessly when you opt for repairs at any of our 11,000+ network
garages.

Steps to file a Reimbursement claim

Get in touch via our helpline or email for luggage delays, trip cancellations, etc.

Complete the claim form and gather all other necessary documents.

You might need to submit a passport copy, flight tickets, emails from the airline or FIR.

IndusInd Care (previously Reliance Care) will review the claim to decide its approval.

After approval, the compensation or benefit amount will be disbursed to you.

Disclaimer: For the complete list of documents, please refer to your policy documents. For further assistance, you can contact customer support.

Types of Visas for Cambodia

The reason for your visit to Cambodia determines which visa you should apply for. These are your choices:

Tourist Visa

Issued as an e-Visa and is valid for 30 days with a single entry. You can apply via the official e-Visa portal or via the nearest consulate or embassy. You can also request a 30-day extension once in Cambodia at the Immigration Department in Phnom Penh. However, if you are caught overstaying, a penalty of USD 10 per day is applied, and you may also face blacklisting.

Business Visa (Type - E)

If you are travelling to Cambodia for employment, business meetings, long-term work, or NGO assignments, you must apply for a business visa (Type-E). This visa is valid for 30 days, but can be extended for 6 months or 1 year, based on whether you choose a single- or multiple-entry visa. You must have an invitation letter from a Cambodian company or organisation when applying.

Transit Visa

If you are an Indian traveller, you do not require a transit visa as long as you stay within the international transit area of the airport and continue your journey to a third country without entering Cambodia. However, if you wish to leave the airport during your transit for sightseeing or for an overnight stay, you must apply for a short-stay visa, such as a tourist visa, in advance.

Embassy Contact Details: India and Cambodia

Parameters	Cambodia Embassy in India	Indian Embassy in Cambodia
Location	New Delhi, India	Phnom Penh, Cambodia
Address	A-1/309, Safdarjung Enclave, New Delhi – 110029	No. 50, Street No. 214, Samdech Pan Avenue, Phnom Penh – 120204
Contact Number	+91 11 4171 7136 / 4171 7143	+855 23 210912 / 210913
Email Address	camemb.ind@mfaic.gov.kh	amb.phnompenh@mea.gov.in; cons.phnompenh@mea.gov.in
Website	https://www.cambodia-visa.com	https://www.embindpp.gov.in
Operating Days	Monday to Friday	Monday to Friday (except Indian/Cambodian holidays)
Operating Hours	8:00 am – 5:00 pm	9:00 am – 5:30 pm

Best Time to Visit Cambodia

Whether you want to travel in the cool pre-monsoon or rainy season, the choice mostly depends on your budget, travel purpose, and your curated itineraries. Check out the key aspects of different travel seasons.

November to February

What to Expect: The weather remains mostly dry, 24°C to 32°C during the day. Nights can dip to about 20°C in December–January.

Perfect For: Temple visits, city walking tours, island hopping to Koh Rong, and diving/snorkelling.

Tourist Flow: Peak season, expect crowds at major sites and higher hotel occupancy.

Flights and Hotel Rates: Highest of the year, with popular hotels in Siem Reap and Phnom Penh mostly showing limited availability.

Flights: ₹25,000 to ₹55,000

Keep in Mind: Book Angkor sunrise permits and early-morning tours in advance. Expect queues at top viewpoints and restaurants.

March to May

What to Expect: It is the hottest time of the year, with daytime temperatures between 33–40°C, sometimes higher inland. Expect higher humidity in May.

Perfect For: It is the perfect time for cultural events, such as the Khmer New Year (mid-April).

Tourist Flow: Lower than peak. However, mid-April sees a spike due to local festivals.

Flights and Hotel Rates: Moderate to low. Hotels mostly run promotional rates, and airlines reduce some peak surcharges.

Flights (From India Approx): ₹20,000-₹40,000.

Keep In Mind: Stay well hydrated and wear sun protection items such as a hat and sunglasses.

June to October

What to Expect: Heavy afternoon and evening downpours with short storms. 25–33°C but feels hotter due to high humidity.

Perfect For: Budget travellers and photographers since it's the low season.

Tourist Flow: Fewer tourists, except for short bursts on school holidays or local festivals. Coastal and island tourism (Koh Rong) is quieter.

Flights and Hotel Rates: Hotels and resorts cut rates heavily. Keep an eye on one-stop routings via Bangkok, Kuala Lumpur, or Singapore for the cheapest options.

Flights (From India Approx): ₹18,000-₹35,000.

Keep In Mind: Heavy rains can cause transport delays, and remote attractions may be harder to reach. Always check the weather for island boat schedules.

Interesting Facts About Cambodia

The National Dish Is A Curry: Cambodia’s national dish is amok, a coconut-based curry made with fish. There’s also no McDonald’s in Cambodia!

Largest Freshwater Lake: Tonlé Sap is Southeast Asia’s largest freshwater lake (2,500km² to 16,000km²). The Mekong River also changes direction seasonally.

US Dollar is the National Currency: While the Cambodian riel is the official currency, the US Dollar is also widely accepted.

Royal Ballet: The Royal Ballet of Cambodia is a traditional Khmer dance form recognised by UNESCO.

Buddhist Population: Theravada Buddhism is the primary religion in this country. Around 95–97% of the population is identified as Buddhist.

Angkor Wat: The Angkor Wat is the world’s largest religious monument, is featured on the Cambodian flag, and was featured in the movie “Tomb Raider”.

Birthdays Aren’t Celebrated: Cambodians don’t traditionally celebrate birthdays. Many celebrate age on the Khmer New Year instead.

Bamboo Train: The norry, or bamboo train, is a popular form of transportation in Cambodia, especially in the Battambang region.

Home to Rare Animals: The Mekong River is home to rare animal species thought to be extinct, including the Asian giant softshell turtle and the Irrawaddy dolphin.

National Animal: The national animal of Cambodia is the kouprey. It is a rare wild ox that might even be extinct.

Essential Apps for Your Cambodia Trip

Translation

Cambodians communicate in Khmer, one of the oldest living languages in Southeast Asia. To understand this language and interact with locals, you can use Google Translate, Microsoft Translator, DeepL, TripLingo, and X-doc.AI. These apps support Khmer–English translations, offline usage, and voice or image recognition.

Accommodation and Hotel Booking

Download Agoda and Booking.com to access extensive listings with competitive deals on Cambodian hotels. For unique homestays and local experiences, get the Airbnb app. If you want to compare reviews and ratings before booking, use TripAdvisor.

Navigation

You can use Google Maps, Maps.me, and Waze for navigation. Google Maps offers real-time traffic and transit updates, while Maps.me is excellent for offline use and ideal if you want to avoid roaming charges. Waze helps with traffic alerts and community-driven updates.

Transport

To book transport on the go, use PassApp, Grab, and 12Go Asia. Install PassApp to book tuk-tuks and taxis. Download Grab for ride-hailing, food delivery, and cashless payments. For intercity and cross-border travel, 12Go Asia is excellent for booking buses, trains, and ferries.

Sightseeing and Events

To explore ongoing events around you and book notable hotspots, download the official Visit Cambodia app by the Ministry of Tourism. You can also install global platforms like Klook and GetYourGuide to book tours, activities, and cultural events in Phnom Penh and Siem Reap. Trip.com and Viator are also worth trying.

Food Delivery

For instant food delivery, you can use Foodpanda, Nham24, E-Gets, and WingMall. All these platforms offer diverse food options ranging from authentic Khmer cuisine to Indian and international dishes.

Key Takeaways

When in Cambodia, whether you are exploring the temples of Angkor, relaxing on the beaches, or moving between places, unexpected events can occur without warning.

A sudden medical emergency, a misplaced passport, delayed baggage, or even an unplanned extension of your stay can quickly derail your travel budget and plans. With IndusInd Cambodia Travel Insurance, these worries do not have to spoil your journey, as the financial side of such situations is taken care of.

Before you begin your trip, download the IndusInd Insurance app on your phone and save our customer support number for quick access. If anything goes wrong, just get in touch and share the details; support and guidance will follow, so you can focus on enjoying your time in Cambodia.

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IndusInd General Insurance

Aapke Protection ka All-rounder

IndusInd General Insurance is one of the leading general insurance companies in India. The Company offers a well-rounded and comprehensive bouquet of products including Motor Insurance, Health Insurance, and Travel Insurance, and offers customised solutions to meet the protection needs of each customer.

Cambodia Travel Insurance Starting at Just ₹306*

Insure Your Trip to Cambodia Today!

From exploring the ancient temples of Angkor Wat to relaxing by the riverside in Phnom Penh, stay protected with IndusInd Travel Insurance

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I recently purchased my Travel insurance and found the experience very smooth. It met my requirements well and felt tailored to my needs.

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I had a positive experience while applying for Travel insurance from Reliance Insurance Company (now IndusInd Insurance Company) . The plan offered exactly the type of coverage I was expecting. Currently, I don't think I require any additional plans or add-ons.

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The journey of purchasing Travel insurance felt effortless and user-friendly. It aligns well with what I needed from an insurance policy.

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The journey of purchasing Travel insurance from Reliance Insurance (now IndusInd Insurance) felt effortless and user-friendly. I felt that my protection needs were well addressed with this policy. No complementary product was necessary for me at this stage. I found the entire process trustworthy and efficient.

I was going on a simple holiday and wanted basic cover without unnecessary additions. I only paid for my exact travel dates, and the coverage level felt right for where I was travelling.

For my Europe trip, I mainly wanted medical cover. I could see the hospital and emergency details clearly, so I did not have to overthink while choosing the plan.

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Frequently Asked Questions (FAQs)

What essentials should one pack for travelling to Cambodia?

Before flying to Cambodia, make sure you carry the following: Cambodia is hot and humid most of the year. Pack cotton or linen clothes that keep you cool. Pack sunscreen, sunglasses, and a hat. The sun can be intense, especially during temple visits and beach days. Always carry basic tablets for fever, stomach trouble, allergies, and nausea while travelling. You will walk a lot at places like Angkor temples and local markets. Sturdy trainers or walking sandals with a good grip are a must. In Cambodia, people mainly use two-pin plugs, but sockets can vary. It is better to carry a universal adaptor.

What are some ways to save money when travelling to Cambodia?

To save money: Visit between May and October if you don’t mind a bit of rain. Hotels, tours, and even flights are much cheaper during these months. Use tuk-tuks, as they are affordable. For short distances, negotiate the price beforehand or use ride-hailing apps where available. Try street food and eat at small local restaurants. Meals here cost much less than food in tourist-focused cafés and international restaurants. If you are visiting the Angkor temples, consider the 3-day or 7-day pass instead of a single-day ticket. Instead of booking tours online in advance, compare prices at local travel desks. Souvenirs near tourist sites are usually overpriced, so avoid them.

Is Indian food easily available?

Instead of local cuisine, if you want to stick to your Indian food, try some of the following restaurants: Namaste India Restaurant, Phnom Penh Namaste India BKK, Phnom Penh Gorkha Palace, Phnom Penh Curry Pot TTP, Phnom Penh Curry Pot, Siem Reap Maharaja Restaurant, Siem Reap Dakshin’s, Phnom Penh Taste Budz, Phnom Penh India Gate, Siem Reap Ganesh Fine Indian Cuisine, Siem Reap

Can I use an Indian SIM card in Cambodia?

Yes, you can use an Indian SIM card from Jio, Airtel, and Vi. They offer international roaming packs that work in Cambodia, but they are costly, and you may also face inconsistent coverage. It is better to buy a Cambodian SIM from Cellcard, Smart, or Metfone upon arrival. Alternatively, you can use a global eSIM.

Are Indian medicines allowed in Cambodia?

Yes, Indian medicines are generally allowed when travelling to Cambodia, provided they are for personal use. You should carry medicines in their original packaging and keep a copy of the doctor’s prescription, especially for long-term or regular medication. Common medicines for fever, cold, diabetes, blood pressure, and digestion are usually not an issue. However, strong painkillers, sedatives, or narcotic substances are restricted. You must also avoid carrying large quantities of medicines, as this can raise questions at customs.

Is travel insurance in Cambodia mandatory?

Although you are not legally required to purchase travel insurance to enter Cambodia, it is strongly recommended. The reason is that it shields you from unexpected expenses arising from medical emergencies, loss of a passport, delayed or lost baggage, and third-party legal liabilities.

What safety precautions should one follow when travelling to Cambodia?

Here are some safety precautions you must follow when travelling to Cambodia: Keep an eye on your belongings. Pickpocketing in Cambodia can happen in busy markets, bus stations, and tourist spots. Choose licensed tuk-tuks, hotel-arranged taxis, or ride-hailing apps, where available, to avoid scams. Stick to well-lit and busy areas late at night, especially in cities like Phnom Penh and Siem Reap. Do not drink tap water. Always use bottled or filtered water. Street food is delicious, but choose stalls that are busy and look clean.

Can I use Indian debit or credit cards in Cambodia?

Yes, you can use Indian debit and credit cards issued on Visa or Mastercard networks. But since Cambodia remains a cash-heavy country, in rural areas, shops usually refuse card payments. If you use an ATM, it dispenses US dollars, not Cambodian riel, and typically charges $4–6 per withdrawal, plus Indian bank fees.

What are some places to explore in Cambodia?

When in Cambodia, do not skip the following places: Visit Angkor Wat and the Angkor Archaeological Park in Siem Reap. Don’t miss the nearby Bayon and Ta Prohm temples. When in Phnom Penh, visit the Royal Palace, Silver Pagoda, Tuol Sleng Genocide Museum, and Choeung Ek Killing Fields. Visit Tonlé Sap Lake, Southeast Asia’s largest freshwater lake, known for its floating villages. If beaches are your thing, head to Sihanoukville and the southern islands, such as Koh Rong and Koh Rong Sanloem. If you love exploring nature, head to Mondulkiri and Phnom Kulen. You can also visit Battambang, which features French colonial buildings and the famous bamboo train.

How to get currency exchange before flying to Cambodia?

Before you fly to Cambodia, visit authorised forex dealers, banks, or airport exchange counters to convert Indian Rupees into US Dollars. Make sure you carry small-denomination notes to pay for small expenses like a taxi. Avoid street exchangers due to the risk of fake notes and poor rates. You can also load a forex travel card for added safety and convenience.