Your policy must address Cambodia's specific challenges. Medical evacuation coverage is critical given the high-risk evacuation situation and limited facilities outside major cities—serious conditions require transport to Thailand or Singapore. Ensure your policy explicitly covers motorbike accidents, as high accident rates make this a common claim and many insurers exclude motorbike-related injuries. Coverage for dengue fever and other mosquito-borne diseases is essential given year-round high risks. Include protection for road accidents, which pose high risk throughout the country. If you're temple climbing at ancient sites like Angkor Wat, verify coverage for falls. For rural trekking, confirm your policy covers rescue from remote areas with limited access. Adventure activity coverage matters here more than in countries with better emergency infrastructure.