Whether you are just visiting or a short-term expat, it is crucial to have travel insurance in Cambodia. Here under are the reasons why you need travel insurance in Cambodia. Visit Cambodia through Indochina tours Cambodia
Even healthy people get sick and have accidents
Even though you are young, healthy does not mean that you do not need medical care. Unfortunately, there are many accidents (often of the traffic variety) happening with astonishing frequency. This year, there are so many people in Siem Reap contracting dengue fever. There is no guarantee that you won’t get sick or hurt even if you are a low-risk traveler.
Medical care is not cheap
You are traveling around Southeast Asia thinking that there is no need to buy an insurance plan as medical care in the region is cheap; you figure you can just pay out of pocket if an emergency comes up. And it is true for minor complaints, but the cost can be in the thousands if you need to stay overnight or have surgery and if you need to leave the country for care, it can be even higher. Most expats who are familiar with the state of medicine in Cambodia will not have a dream of having even minor surgery here, and neither will you. Tours in Cambodia
Payment for emergency care is required in advance
Payment is always required up front if for any reason you end up in the hospital. Cambodian hospitals have bad reputation for letting patients die rather than giving them free care. So without insurance you won’t be receiving care (and even most policies require payment up front, particularly for smaller claims unless you have a credit card on you. However, you also should remember that wallets and purses may be stolen in traffic accidents.
Very expensive medical evacuation
For anything but the most minor problem, it is likely that most foreigners will opt to go to Singapore or Bangkok for treatment. You will need to be airlifted by helicopter, which can cost upwards of $20,000 if you are not able to make it onto a plane under your own steam. And here, payment is required up front too. It can cost five times that if you need a medical evacuation back to your home country. Even you need an expensive business-class seat if flying home with a broken leg.
Travel insurance is not only for medical care
Travel insurance covers a range of other situations, depending on your policy, from stolen cameras to lost baggage, from cancelled trips to delayed flights. Your plan may cover flying a parent or partner to Cambodia to be with you if you end up in the hospital. Be sure to check your policy before you go as many of the most important benefits of travel insurance in Cambodia are not medical in nature.
What to look for in a good travel insurance plan
High coverage limit
Make sure that your plan has a high enough rate of coverage to cover an accident. If you get into a major accident, an insurance plan that only covers $3,000 in care will not be much use to you. It is wise to look for a minimum of $100,000 for evacuation and the same for medical expenses.
Extending your plan while you are away
Make sure that the travel insurance plan you are considering will let you extend your policy while you are abroad if you think you might end up wanting to stay longer (and let’s face it, Cambodia is famous for its irresistible charm), however, be aware that most do not.
If bought through one company as through another, your plan may be essentially the same as many travel insurance policies have the same underwriters. However, there are several companies having a reputation for going to bat and fighting the underwriters on behalf of their clients. Ask experienced travelers which plan they use; search on Google the company you want to go with and check out a few expat forums. When it comes to travel insurance, reputation is important.
Cover the activities you are about to do
Be aware than many policies will not cover these sorts of activities if you are planning on doing adventure sports or driving a motor. Check to make sure it will be covered if you think you will be doing anything out of the ordinary.
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