Travel Insurance for Sri Lanka – Best Options

Written and researched by Michael Kays (Travel Insurance Expert) | Fact Checked by Danya Kristen (Insurance Agent).

Ahoy! Is the enchanting island of Sri Lanka calling out to your wanderlust?

The land of endless beaches, timeless ruins, welcoming people, oodles of elephants, rolling surf, affordable prices, fun-filled train rides, famous tea, and flavorful food.

What’s not to love, right? But before you pack your bags and jet off, there’s a critical aspect that must top your checklist – travel insurance.

You might be wondering, “Why would I need travel insurance?”

After all, you’re going for the elephants and the tea, not emergencies. But that’s where you’re wrong! Travel insurance is your parachute when your travel plans go belly-up.

It’s the protective umbrella that shields you from the unexpected.

The Importance of Travel Insurance for Sri Lanka

Travel insurance might seem like another unnecessary expense on top of your travel costs, but it’s not. It’s an investment, a security blanket that ensures your travel memories are filled with wonder and not overshadowed by unexpected expenses or mishaps.

Here’s why:

  1. Healthcare in Sri Lanka can be pricey: Even though healthcare in Sri Lanka is not as costly as some countries, it can still set you back a fair amount without insurance.
  2. Flight delays and cancellations: These are more common than you think! Travel insurance helps cover the costs of any accommodations or meals due to unforeseen delays or cancellations.
  3. Lost or stolen luggage: The heartbreak of not finding your luggage on the carousel is real. Travel insurance helps to cushion the financial impact of replacing lost belongings.
  4. Trip cancellation: If something unforeseen happens and you need to cancel your trip, travel insurance can save you from losing all your pre-booked expenses.

Recommended Plans

✅ Atlas America

Up to $2,000,000 of Overall Maximum Coverage, Emergency Medical Evacuation, Medical coverage for eligible expenses related to COVID-19, Trip Interruption & Travel Delay.

✅ Safe Travels Comprehensive

Coverage for in-patient and out-patient medical accidents up to $1 Million, Coverage of acute episodes of pre-existing conditions, Coverage from 5 days to 364 days (about 12 months).

✅ Patriot America Platinum

Up to $8,000,000 limits, Emergency Medical Evacuation, Coinsurance for treatment received in the U.S. (100% within PPO Network), Acute Onset of Pre-Existing Conditions covered.

What to Look for in Travel Insurance for Sri Lanka?

Choosing travel insurance can feel like trying to decode an ancient language. But we’ve got you covered. Here’s what you need to consider:

  • Medical and health cover for an injury or sudden illness
  • 24-hour emergency service and assistance
  • Personal liability cover in case you’re sued for causing injury or damaging property
  • Lost and stolen possessions cover
  • Cancellation and curtailment (cutting short your trip) cover
  • Extra cover for adventure activities, if that’s your jam

Best Travel Insurance Options for Sri Lanka

Navigating the sea of insurance options can be as tricky as walking a slackline. But fear not, we’ve done the hard work for you. Here are the top three choices for travel insurance when visiting Sri Lanka:

  1. World Nomads: A favorite amongst adventure travelers, World Nomads provides excellent coverage for overseas medical needs, evacuation, and coverage for a range of adventure sports and activities.
  2. Travel Guard: Offering a variety of plans including comprehensive travel insurance, last-minute travel insurance, travel health insurance, and business travel insurance, Travel Guard can cater to a wide range of needs.
  3. Allianz Global Assistance: Their plans are flexible and well-suited to different types of travelers, offering benefits such as trip cancellation and interruption, emergency medical, baggage loss and delay, and more.

The Cost of Travel Insurance for Sri Lanka

The price tag on your travel insurance will depend on a few factors – your age, the duration of your stay, the level of coverage, and any pre-existing conditions. On average, you can expect to pay between 4% to 8% of your total trip cost.

Wrapping Up

Sri Lanka is a paradise waiting to be explored. But amidst the excitement of planning your trip, don’t forget to factor in travel insurance.

It might not be as exciting as planning a safari or a beach day, but it’s a crucial part of ensuring your journey is as smooth as possible.

So go ahead and pack your bags. The land of endless beaches and timeless ruins awaits you.

Just remember, with travel insurance, you’ll be ready to tackle any hiccup on the way.


1. Do I need travel insurance for Sri Lanka?

Yes! Travel insurance covers the financial risk of medical emergencies, trip cancellations, lost or stolen luggage, and more.

2. What should my travel insurance cover?

Your policy should include medical and health cover for injury or sudden illness, 24-hour emergency service and assistance, personal liability cover, lost and stolen possessions cover, and cancellation and curtailment cover.

3. How much does travel insurance for Sri Lanka cost?

The cost depends on various factors like your age, trip duration, and coverage level. But generally, you can expect to pay between 4% to 8% of your total trip cost.

4. What if I have a pre-existing condition?

You can still get travel insurance, but make sure to declare it when buying the policy. Not declaring could make your policy invalid. This might also increase the cost of your insurance.

5. What do I do if something goes wrong during my trip?

Contact your insurance provider as soon as possible. They can guide you on what to do next. Remember to keep all relevant documentation for any claims you need to make.