Travel Insurance Direct

Travel Insurance for Sri Lanka

Before you head off to Sri Lanka, consider a TID travel insurance policy

Why should I consider travel insurance planning a trip to Sri Lanka?

Unspoiled beaches for miles, great surf, friendly locals and amazing food are just some of the things that make Sri Lanka one of the most popular island holiday destinations on the planet. But it’s the unexpected that puts paid to travel arrangements, especially given Sri Lanka is prone to natural disasters and severe weather.

At Travel Insurance Direct we offer a policy that may suit your particular holiday to Sri Lanka, whether it be Basic, The Works or Annual Multi Trip. So let us take care of the 'What ifs' and you get back to choosing your day trip adventures.

Get a quote for your next domestic or international adventure underway today.

What can travel insurance cover me for while I’m in Sri Lanka?


As much as it would be handy, none of us can predict the future. There’s no question that those who venture to Sri Lanka do so with their sights on wild national park wanderings, tea plantation visits, and of course, beachside bliss and mountain magic. As much fun as all that sounds, trips can be cut short thanks to injury, illness, or unpredictable weather.

TID travel insurance covers 11 specific events – if these occur you may have cover if you must cancel your holiday, or come home early, as a result. For cancellation cover to apply, the event must have happened after your Certificate of Insurance was issued – that means if a landside occurs and your holiday is brought down with it, it’s too late to purchase travel insurance and hope you’ll be covered. 

When choosing a TID policy, there is an option to increase the covered amount for cancellation by selecting a benefit limit (additional fees may apply). Remember, if you simply change your mind, you’re unlikely to be covered. 

Sports and Activities

Adrenaline junkies who are avid surfers, white water rafters or scuba divers will know that adventure travel comes with a risk. If something goes wrong and you injure yourself, your TID policy may be able to help with medical assistance, evacuation, and in the worst-case scenario, repatriation back home if medically necessary and approved by us. 

And if you’ve decided to take your own golf or surfing equipment with you, there’s cover available (benefit limits apply) on The Works and Annual Multi Trip plans to hire replacement equipment if your own is accidentally lost, delayed or damaged during your trip. For more on what TID covers, head here


Sri Lanka travel insurance FAQs.

What happens if natural disaster throws my Sri Lanka travel plans off?

Whichever TID policy you opt for, cover is available if you are forced to cancel or rearrange your trip due to a sudden or unforeseen event such as a natural disaster. In order to make a claim, though, you need to ensure you purchased your policy before the natural disaster became a known event.

I’m going surfing in Sri Lanka, does my policy cover me?

Surfing is one of the sports and activities automatically covered by your TID policy. This means you don’t need to pay an additional premium to get gnarly in the surf! Your surfboard, which is covered for theft and damage whilst in transit, is not covered whilst in use on the water.

Please note that there are specific conditions and exclusions for surfing. For example, there is no cover if you are participating in, or training for, a professional sporting activity - so while we love the idea that you surf for a living, we won’t be able to cover you in such instances.

When is the best time to travel to Sri Lanka?

Sri Lanka is a year-round travel destination – if you’re visiting the west coast or the south coast, October to March is ideal. If you’re visiting the East or North Coast, April to September is best. Either way, be sure to check Smartraveller for the latest travel information and refer to TID’s Travel Alerts & Warnings page regularly too.

Need a hand to understand your policy?

If you’re still unsure about coverage or have a question we haven’t answered online, our Customer Service team is ready and able to help you navigate your policy, what you may be covered for, and any documentation you need along the way.

The above features and benefits are a summary of cover only. Cover is subject to the full terms, conditions, limitations and exclusions outlined in the Product Disclosure Statement.

Choose a plan that suits your holiday.

Just like choosing the perfect destination for your next getaway, selecting a travel insurance plan to suit your needs may be just as important. We have four plans to choose from, each offering a different level of cover. Check out each of the plans below where you'll find loads of information about each one.

The Works

Our most popular and comprehensive plan, the Works offers broad cover for international trips including unlimited cover for costs such as medical expenses and cancellation as well as added benefits.

The Basics

Sticking to a shoestring budget? Our budget plan is designed for travellers who want coverage for all the important things, like hospital bills and stolen luggage, without breaking the bank.


Are you a frequent flyer? If you travel often for business, or have a few holidays coming up, our Annual Multi Trip plan could be for you. Made for globetrotters, your trips can be up to 35 days in duration and there is no limit to the number of trip you can take during a 12 month period.

This is a brief summary of cover only and does not include the full terms, conditions, limitations and exclusions. Read the PDS before purchasing.

What does travel insurance cover me for in Sri Lanka?

Here are some of the cover benefits available with your policy.

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Unexpected cancellation?

Insurance if you have to cancel your trip due to unforeseeable events outside of your control (e.g. sudden illness).

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Don't like medical bills?

Compensation for unforeseen medical expenses incurred whilst on an overseas holiday

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Airline cancelled flight?

If your flight is cancelled by the Airline for operational reasons we cover the reasonable cost of meals and accommodation.

Compare all benefits
This is a brief summary of cover only and does not include the full terms, conditions, limitations and exclusions. Read the PDS before purchasing.

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