Heading to Sri Lanka? Before you go, it's important to make sure you have all your travel essentials in order. And one such essential item that should be at the top of your list is travel insurance! Whether you're planning a leisurely trip or an action-packed adventure, having travel insurance can provide peace of mind as it can protect you financially from unexpected mishaps. In this article, we'll explore everything you need to know about travel insurance for Sri Lanka from India, so you can relax and enjoy your trip.
Wondering why to buy travel insurance for Sri Lanka from India? Here are some compelling reasons.
A travel insurance plan for Sri Lanka can provide coverage for medical emergencies that may occur during your trip, such as illness or injury. This is particularly important if you plan on participating in activities like hiking, surfing, or other adventure sports that carry a higher risk of injury.
Travel insurance can provide coverage for flight cancellations or delays, which can be common when travelling to and from Sri Lanka. This coverage can help you with the expenses incurred due to missed flights, hotel stays, or meals.
If your luggage is lost, stolen, or damaged during your trip, travel insurance from India to Sri Lanka can help you financially safeguard your belongings. This can be especially important if you're carrying expensive equipment like cameras or laptops.
Sri Lanka is prone to natural disasters like earthquakes, floods, and landslides. If you're travelling during a season when these natural disasters are more common, travel insurance can provide coverage for expenses related to trip cancellations or interruptions.
If you experience a medical emergency or natural disaster during your trip, travel insurance can provide coverage for emergency evacuation to a hospital or other medical facility.
There’s more than one benefit of purchasing a Sri Lanka Travel Insurance Policy online. Here are some of them.
Compare offers online: It is important to compare the features, prices, and reviews of the products before making a purchase decision while shopping online. The same applies to buying travel insurance; you should compare the policies based on their cost and features, as well as read reviews. Doing this will help you decide on the best travel insurance for Sri Lankaaccording to your needs.
Paperless and quick process: Completing long and detailed paperwork can be a hassle. In order to simplify this process, online travel insurance companies such as ACKO offer a digital platform that is straightforward and simple to use. This allows you to purchase policies, file claims and access information with minimal effort and in a short amount of time.
Last-minute need: In cases of emergencies when you're in a rush and don't have time to buy a travel policy, online travel insurance can come in handy. Rather than going through the hassle of purchasing it offline, you can buy it online in a matter of minutes, saving you time and energy.
Here are the features and benefits of an ACKO Travel Policy for Sri Lanka. This is an overview; please make sure to read the applicable policy wordings before buying.
Sri Lanka travel insurance benefits
If you get infected with COVID-19 disease, this feature will ensure that your medical expenses are taken care of.
We will compensate you with a set amount if your checked-in luggage gets lost or delayed.
Accident-related medical expense reimbursement
If you get injured due to an accident, this feature will help you manage any consequent medical costs.
If you cancel/reschedule your travel due to a reason covered under the policy, we will credit you with a lump sum settlement.
Loss of passport
We will provide the money necessary to obtain a new passport if you misplace it during your trip.
We will issue you a fixed lump sum credit if your flight is delayed or you miss it completely.
Loss of travel fund
If you lose your travel cash, this feature will replenish your finances.
Adventure sports caused injuries
This special feature offers financial assistance for medical bills incurred as a result of accidents related to adventure sports.
Illness-related medical expense reimbursement
If you have this feature in your policy, you can claim financial support for medical costs if you fall sick during the travel period.
Trip cancellation due to COVID-19
If during the travel period, you contract the COVID-19 disease, this feature will offer monetary support for the medical expenses.
Here’s a list of benefits associated with ACKO’s Sri Lanka Travel Insurance Plan.
Customisable policy coverages: You don’t have to pay for coverages you do not require on your trip. With ACKO, you can tailor your travel insurance policy to meet your specific needs and budget.
No deductibles: You won't have to worry about any out-of-pocket expenses. We will take care of the full expense up to the sum insured limit of your policy.
Low-cost premiums: Worried about cost? The starting price of our coverage is just around Rs. 49 for a five-day trip, which comes out to approximately Rs. 10 per day.
No cumbersome paperwork: Our simple and easy-to-use website and app interface makes buying a policy and submitting claims quick and hassle-free.
Anytime remote assistance: We're available 24/7 to provide claim-related assistance, no matter where you are in the world.
What is covered
What is not covered?
In this section, we have listed some of the main coverages found under an ACKO Travel Insurance Policy for Sri Lanka.
Loss and delay of luggage
If you're a traveller who has ever faced loss or delay of luggage after a flight, you know how bothersome it can be. ACKO's Travel Insurance for Sri Lanka will safeguard you financially in these situations. Depending on the specifics of your case, ACKO will offer you a fixed amount of compensation in accordance with the policy stipulations.
On the off chance that you fall ill or get injured as a result of an accident during your travel, you may need to be hospitalised in Sri Lanka. In that case, you may want the companionship of a family member for moral support. To fulfil this wish, we will cover all the expenses involved in transporting a family member to your hospital’s location in Sri Lanka.
Trip cancellation due to COVID-19
If you contract COVID-19 before boarding a flight, it is likely that you may opt out of travelling. This could potentially cause you to lose money on your bookings. Here, ACKO’s Travel Policy will protect you from this loss by reimbursing these unrecoverable costs up to a specified limit.
Cancellation and rescheduling of travel
In the event that your flight to Sri Lanka is cancelled, it may interfere with your travel plans. Additionally, it may also lead to a loss of the money you put towards the trip. If you have an ACKO Travel Insurance policy, you can be compensated up to a specified limit. This money can be used to rebook your trip or for any other expenses as you see fit.
Repatriation of mortal remains
If the insured tragically loses their life while travelling or during their stay in Sri Lanka, we will cover the associated repatriation cost. Please note that this coverage will be subject to the maximum sum insured limit of the policy.
Injuries related to adventure sports
Love playing sports? Don’t hold yourself back during your stay in Sri Lanka. If you take part in an adventure sport in Sri Lanka and get injured, we will help you manage the resulting medical expenses.
If during your journey to Sri Lanka, you unintentionally inflict harm to someone or cause destruction of property, we will cover the liability-related expenses.
If you happen to misplace your passport or it gets stolen from you while you are in Sri Lanka, don't worry; we will cover the cost of getting a replacement. However, it is important to note that you could face legal repercussions if you do not have a valid passport with you. So, make sure you get a duplicate as soon as possible.
Expenses for medical care
If you get sick while travelling in Sri Lanka, it may put a damper on your trip and become an expensive problem. Fortunately, ACKO will cover you for hospitalisation costs up to your policy's maximum sum insured, so you don't have to worry.
Here are some scenarios that are beyond the scope of our insurance coverage.
In the following travel situations, you will not be covered by our insurance.
If you enter Sri Lanka without a valid visa.
If your purpose of visit is to receive medical care.
If you are not physically able to travel, but you still do.
If in spite of your doctor's advice, you decide to travel.
If you are involved in any of the following scenarios, you will not be eligible for coverage under our policy.
Self-harming or making an attempt at suicide.
If you act under the influence of an intoxicant.
If you are found guilty of participating in a crime.
If you undertake hazardous work such as mining, tunnelling, aerial photography, etc.
You cannot claim coverage for medical expenses in the following instances.
If a pre-existing health condition aggravates during your Sri Lanka trip.
If you get a relative to provide a disability certificate.
All medical costs associated with pregnancy.
Note: The inclusions and exclusions mentioned in this section are not exhaustive. Please go through the policy wordings of our travel insurance to get comprehensive information.
Here are some tips to choose the best travel insurance for Sri Lanka online.
While purchasing travel insurance for your trip to Sri Lanka, consider your budget and any potential risks you may face. Select a sum insured that is both financially feasible and sufficient to cover any unexpected circumstances.
Take time to assess your individual circumstances and choose only the coverages you require. This will help you save money and provide appropriate cover for your journey.
Thoroughly familiarise yourself with the insurer's claim procedure. This will also help you make a claim request promptly if the need arises during your travels.
To purchase ACKO Sri Lanka Travel Insurance, simply follow the instructions listed below.
Step 1: Open our website (www.acko.com), or mobile app.
Step 2: Select the nations you will be visiting on your trip by clicking the "Travel" tab.
Step 3: Choose the beginning and end dates of your trip.
Step 4: If there are others accompanying you, ensure that you insure them as well.
Step 5: Choose the appropriate covers as per your insurance needs.
Step 6: As the last step, pay online and instantly receive the policy document in your email.
Here is our straightforward three-step procedure for submitting a claim.
Step 1: Email us at [email protected] or just give us a missed call on the number 8061617799.
Step 2: Gather all the necessary documents required for the specific type of claim and submit them to us.
Step 3: There’s nothing more you need to do. We will review your claim request in accordance with your policy’s coverage and pay you the applicable settlement.
Note: The duration of claim settlement will depend on the type of claim submitted. It is likely that more complex claim requests will take longer to process and settle.
Here are a few fun facts you need to be aware of before travelling to Sri Lanka.
Sri Lanka is often referred to as the "Teardrop of India" due to its unique shape on the map.
It has a rich history dating back over 2,500 years and is home to eight UNESCO World Heritage sites, including ancient cities, temples, and fortresses.
Sri Lanka is famous for its tea plantations, and a visit to one is a must-do on any trip to the country. You can even try your hand at picking tea leaves!
The country has an incredibly diverse wildlife population, including elephants, leopards, sloth bears, and a variety of primates. A safari in one of Sri Lanka's national parks is a thrilling experience.
Sri Lanka is home to some of the most beautiful beaches in the world, with crystal-clear waters and golden sands. Unawatuna, Mirissa, and Trincomalee are just a few examples of the many stunning beaches you can visit.
The country’s cuisine is delicious and unique, with influences from Indian, Malay, and Dutch cuisines. Make sure to try some of the local dishes, such as hoppers, kottu roti, and fish curry.
Sri Lanka is a predominantly Buddhist country, and you'll find many beautiful temples and monuments scattered throughout the country. The Temple of the Tooth in Kandy is one of the most important Buddhist sites in Sri Lanka and is definitely worth a visit.
The people of Sri Lanka are incredibly friendly and welcoming, and you'll likely find yourself making new friends wherever you go. Don't be shy to strike up a conversation with locals and learn more about their culture and way of life.
Here are some must-visit places that will make your Sri Lankan adventure unforgettable.
Unleash your inner adventurer at Sigiriya Rock Fortress: Get ready to climb the stairs to the sky and be rewarded with stunning views of the jungle below. Bonus points if you spot the ancient frescoes on the way up!
Get your wildlife fix at Yala National Park: Home to leopards, elephants, and a whole host of other exotic creatures, Yala is a wildlife lover's paradise. Don't forget your binoculars!
Embrace your inner beach bum at Mirissa: With its soft sand and turquoise waters, Mirissa is the perfect place to soak up the sun and catch some waves. And if you're lucky, you might even spot a whale or two!
Soak in the history at Galle Fort: Step back in time and explore the narrow streets and charming colonial buildings of Galle Fort. And if you're feeling peckish, be sure to try some of the delicious seafood on offer.
Find your zen at Kandy: Nestled amidst lush hills, Kandy is a peaceful retreat where you can meditate, practice yoga, or simply soak in the tranquillity of your surroundings.
Indian citizens visiting Sri Lanka can apply for the following types of visas.
Tourist Visit Visa
Business Purpose Visa
The below-given table displays the contact details of the Indian Embassy in Sri Lanka.
High Commission of India, Colombo , Sri Lanka
36-38, Galle Road,Colombo 03.
Sri Lanka’s prominent international airports include the following.
Bandaranaike International Airport
Colombo International Airport, Ratmalana
Mattala Rajapaksa International Airport
Jaffna International Airport
You may need to produce the following documents to get a visa for Sri Lanka.
A visa that is valid for at least the next six months
Proof of funds to sustain you during your stay in Sri Lanka
Return ticket copy
Proof indicating the purpose of your visit
Travel insurance offers financial security against unforeseen events that might happen while you're away, like medical emergencies, trip cancellations, lost or stolen luggage, and other unanticipated circumstances. It offers financial security while travelling, which can assist you in avoiding potential losses.
The coverage offered by ACKO Travel Insurance may differ depending on the cover you select. Nonetheless, some common types of coverage include medical expenses, emergency medical evacuation, trip cancellation or interruption, lost or stolen luggage, personal liability, and accidental death or dismemberment.
No, possessing travel insurance is not mandatory when travelling to Sri Lanka. However, we strongly recommend getting one to financially protect yourself against unforeseen circumstances that may occur during your trip.
The cost of ACKO Travel Insurance can vary depending on factors such as your age, the length of your trip, the coverage selected, and other factors. However, it is generally affordable, with premiums starting at just Rs.49 for a five-day long trip.
ACKO Travel Insurance typically covers medical expenses related to unexpected illnesses or injuries that occur during your trip, including expenses made for hospital stays, doctor visits, prescription medications, and emergency medical evacuation.
Yes, you can purchase travel insurance at any time before your trip, but it's recommended to purchase it as soon as possible to ensure you're covered for any unexpected events that may occur during your trip.
Disclaimer: The plans, services, features, processes, and other details mentioned on this page are subject to availability and changes. Please check the applicable policy wordings before making any insurance-related decisions.