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Sri Lanka Travel Insurance

A Quick Guide on Travel Insurance for Sri Lanka


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Claim Settlement Ratio (OND 2018)


7800 +

Network Hospitals across 500 cities


400 Lacs+

lives covered

About Sri Lanka Travel Insurance

Travel Insurance for Sri Lanka: The heart of the Indian Ocean, Sri Lanka is an affordable travel destination for your international trip. The island country - naturally shaped as a raindrop on the globe - has many attractions consisting of mystic Buddha temples, serene beaches, stunning landscapes, lush tea plantations, and exotic wildlife. From sites that depict the authenticity of the Ramayana to the countryside that reflect the natural beauty of the land, Sri Lanka has many tourist spots to spend leisurely days and create the best travel memories.

As you plan for a comfortable vacation, buy the best Sri Lanka travel insurance plan that will shield your travel budget from unnecessary spending during any emergency. It covers your expenses incurred due to medical exigencies like hospitalization as well as non-medical exigencies such as trip delays, delayed checked-in baggage, etc.

Is Sri Lanka Travel Insurance Mandatory?

Tourists are not bound by any regulation to obtain travel insurance for visiting Sri Lanka. Yet, it is highly recommended to get one travel policy for your international journey to the country. One major reason to buy a travel insurance plan for Sri Lanka is to ensure that you are financially protected during any medical or non-medical emergency. There are exigencies like flight delays, lost luggage, sudden illness, etc. which may occur unexpectedly leaving you in a state of anxiety and financial crunch. Sri Lanka travel insurance plan covers all the expenses you incur during this time and help you continue your international journey without worry.

Quick Facts About Sri Lanka


Colombo and Sri Jayawardenepura Kotte

Official Languages

Sinhala and Tamil


Sri Lankan Rupee

Country calling code


Modes of transportation

Buses, Trains, Cars, Tuk Tuk and Helicopters

Time difference

No time difference

International Airports

Batticaloa International Airport, Bandaranaike International Airport, Ratmalana International Airport, Mattala Rajapaksa International Airport and Jaffna International Airport

What is Covered in Sri Lanka Travel Insurance Plan

Here we have listed all the major Medical and Non-medical benefits covered in the Sri Lanka travel insurance policy.

Medical Benefits of Sri Lanka Travel Insurance

  • Emergency Hospitalization: Sri Lanka travel insurance covers for all hospitalization expenses including IPD and OPD costs
  • Accidental Hospitalization: Double sum insured for accidental hospitalization
  • Pre-existing disease cover: Cover for expenses incurred for treatment of pre-existing ailments

Other features of Sri Lanka travel insurance includes coverage for medical evacuation, treatment in one’s home country, injury-related dental expenses, personal accident, in-patient, and out-patient care.

Non-Medical Benefits of Sri Lanka Travel Insurance

  • Loss of passport: Specified coverage amount for loss of passport documents
  • Delay/Loss of checked-in baggage: Cover for costs incurred due to delay or loss of checked-in baggage
  • Trip delays/cancellation/interruption: Cover for costs incurred due to trip delay, cancellation or interruption

The policy offers cover for various other non-medical exigencies including up-gradation to business class, personal liability and return of the minor child.

What is Not Covered in Travel Insurance Sri Lanka Plan?

Sri Lanka travel insurance will not cover expenses incurred as a result of:

  • Medical treatment for HIV/AIDS or any other transmitted disease
  • Self-inflicted injury, attempted suicide or suicide
  • Hazardous activity, influence of drugs or alcohol, consequences arising due to war or nuclear perils, ionizing radiation or contamination due to the same
  • Professional services offered by the insured person
  • Involvement in business activities, ownership of any aircraft, watercraft, motor vehicle or other vehicles
  • Wrongful detention, false arrest, wrongful eviction, defamation or mental trauma and shock resulting from such situations
  • Encroachment of intellectual property rights like patent, copyright and trademark
  • Possession of animals, insects, bird and reptiles and their byproducts
  • Involvement in Breach of Law
  • Personal liability towards another individual, whether personal, official or commercial

Eligibility for Sri Lanka Travel Insurance

All international travelers who are visiting Sri Lanka for various purposes like tourism and business can opt for the overseas travel insurance policy. As per the eligibility criteria specified, the minimum age of an insured person for a single trip plan is 1 day. There is no limit on the maximum age.

Insurance Premium

The premium amount for your Sri Lanka Travel Insurance Plan is based on factors such as your age, destination country, duration of the trip and type of coverage opted for.

Types of Sri Lanka Visas

  • Tourist Visit Visa: International tourists who are visiting the country for various purposes like tourism, relaxation, meeting relatives, etc. must avail the tourist visit visa. It can be availed for double entry and has a validity of 30 days. This type of visa can be renewed twice, with 30-day validity for each time.
  • Business Visa: Foreign nationals who are visiting the country for business purposes for a short time duration should avail of Business Visa. It can be availed for a single or double trip and has a validity of 30 days.
  • Residence Visa: Foreign nationals can obtain residence facility in Sri Lanka by applying for Residence Visa. This type of visa is further categorized into Employment, Investor, Religious, Student, Family Members of Sri Lankan Nationals, etc.
  • Student Visa: Those traveling to the country for studying in Sri Lanka can opt for Student Visa which has validity of 5 years.
  • Transit Visa: It is an entry permit that can be availed by those traveling to another destination via Sri Lanka. It is valid for 2 days.

Visa Procedure for Sri Lanka

The procedure for application for visa or eTA (Electronic Travel Authorisation) is mentioned below:

Step 1: Select the type of visa and the purpose of your visit

Step 2: Fill in the application form with relevant details

Step 3: Submit the required mandatory documents to the Sri Lankan Embassy

Step 4: Make payment of the required visa fee

The documents required include:

  • Passport with validity of a minimum of 6 months
  • Scanned copy of the first and last pages of the passport
  • Confirmed return air ticket
  • Proof of confirmation of hotel

Tourists can apply for a visa online by accessing the Sri Lanka electronic visa website, at the Sri Lankan Embassy in your country or at the Bandaranaike International Airport.

Sri Lanka Travel Guide

Sri Lanka is an ideal vacation destination for any time of the year. However, the period from November to April is a favorable time for many international tourists to visit the western and southern parts of the country. If you are planning to visit east and northern Sri Lanka, visit during the months from April to September. Avoid visiting during October and November which is the monsoon season.

When packing your essentials, do include comfortable shoes, light woolen clothing as well as trekking gear if you are visiting the central highlands. Make sure you have dressed appropriately when paying a visit to any temple or place of worship. A sarong is ideal for women travelers.

You will get plenty of options for budget accommodation and transportation. For exploring the cities in Sri Lanka, it is best to hire a tuk-tuk that is an economical option. The fare for a day would be around 20 USD.

Top Places to Visit in Sri Lanka

Sri Lanka is a neighboring country of India. The presence of the Gulf of Mannar and the Palk Strait separate it from the subcontinent. Officially called the Democratic Socialist Republic of Sri Lanka, the country has been recognized amongst the 25 biodiversity hotspots across the world. There are several wildlife reserves that depict the rich flora and fauna of Sri Lanka. Adventure enthusiasts will find many locations for activities like cave treks, rock climbing, snorkeling, speed-boating, surfing, paragliding, etc. For the more sober travelers, there are plenty of options including luxury resorts, beaches, shrines and museums. Overall, your trip to Sri Lanka will make for an enthralling lifetime experience.

  • The Dambulla Cave Temple: Temple of Dambulla Golden temple is tucked in central Sri Lanka. Regarded as a World Heritage Site, it is the most expansive temple complex in the country where you will find precious paintings and statues of Lord Buddha.
  • National Museum of Colombo: The Sri Lanka National Museum is a must-visit place in the country. Do not miss the manuscripts in diverse languages inscribed on palm leaves.
  • Yala National Park: See the country’s fascinating wildlife at the national park which is a huge area consisting of lush grass-covered terrains and forests, lagoons and shoreline. It is located in the town of Hambantota in southeast Sri Lanka.
  • Bentota Beach: Spend relaxed moments at this sprawling beach, go on a boat cruise or visit the Kosgoda Turtle Hatchery for a splendid vacation experience.
  • Jaffna: Nestled in northern Sri Lanka, Jaffna is referred to as the city of temples where you will find centuries-old monuments and the famous Jaffna Fort constructed by the Portuguese.

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