Sri Lanka Travel Insurance Starts @25.6/- Per Day

Sri Lanka travel insurance requirements are not mandatory for Indian travellers; however, it is highly recommended. Even though the Sri Lankan government does not require proof of international travel insurance for visa approval or entry, it helps during emergencies and health crises. Opting for travel insurance for Sri Lanka from India adds a layer of financial protection throughout your journey.

Affordable International Travel Insurance Plans

TATA AIG offers international travel insurance plans that are easy on the pocket, starting at just ₹25.6 per day. These budget-friendly premiums make international travel insurance accessible to a wide range of travellers. These affordable options ensure that you get essential protection for both short and long trips without straining your travel budget.

Instant Travel Insurance Sri Lanka Online Purchase

Buying TATA AIG travel insurance for Sri Lanka is fast. You can buy travel insurance online instantly through the TATA AIG official website, mobile app, or by calling 1800-267-6115.

The entire process of buying travel insurance online is digital, simple, and takes only a few minutes. Secure your travel protection if you are planning in advance or you are booking last-minute, without any paperwork or delay.

Coverage for Accident & Sickness Medical Expenses

TATA AIG travel insurance for Sri Lanka from India provides extensive coverage up to $200,000 for medical emergencies, whether due to illness or an accident while travelling abroad. This benefit provides strong financial protection and ensures you get the required care during your travels.

The travel insurance Sri Lanka plan covers hospitalisation, medical bills, and ambulance services. It also covers extended medical care even beyond the policy expiry if the insured individual is still admitted.

Coverage for Emergency Medical Evacuation

This Sri Lanka travel insurance benefit ensures that if you suffer a serious medical condition and local treatment is not possible, you will be evacuated to the nearest hospital or flown back to India for continued treatment.

Such situations can involve high costs and logistical stress, which are handled by the insurer. You can focus on recovery, while emergency transportation and medical arrangements will be taken care of swiftly and efficiently.

Coverage for Baggage Delay

TATA AIG travel insurance Sri Lanka covers the cost of buying essential items up to $75 if your checked-in baggage is delayed by 4+ hours. This includes clothes, toiletries, and other basic necessities. It helps you travel stress-free, knowing that you can manage your basic needs even if your luggage is delayed during transit. To file a claim, you need to collect a certificate from the airline about the baggage delay.

Coverage for Baggage Loss (Common Carrier)

If your checked-in luggage is permanently lost due to theft, misdirection, or non-delivery by the airline or carrier, TATA AIG Sri Lanka travel insurance will reimburse you up to $1,000. It also includes valuable items like jewellery and electronics as per the policy terms. This benefit ensures that you do not face complete loss if your belongings go missing during your trip.

Coverage for Loss of Passport

Losing a passport abroad can be distressing. TATA AIG Sri Lanka travel insurance provides coverage up to $250 for reasonable expenses involved in obtaining a duplicate or new passport. This includes the cost of paperwork, transportation, and embassy charges. It ensures that your travel plans are not ruined due to a missing passport and that you can return home or continue your journey without an extra financial burden.

Coverage for Personal Liability

TATA AIG travel insurance for Sri Lanka from India also protects you from legal liability in case you unintentionally cause injury to someone or damage their property. If someone files a claim against you for such an incident, the insurer covers the damages and legal expenses up to the policy limit. This is especially helpful in countries where accidental damages may lead to costly lawsuits.

24/7 Assistance Services

TATA AIG Sri Lanka travel insurance offers a wide range of assistance services that go beyond just medical help. These include help with locating hospitals, legal assistance, travel-related emergencies like lost passports or luggage, and even emergency cash transfers.

You also get access to pre-departure services and travel-related guidance. This all-around support is especially useful when travelling to a foreign country where resources or communication might be challenging.

Disclaimer: TATA AIG Travel Insurance – Asia Brochure - Gold Plan UIN: TATTIOP25042V052425.

Disclaimer: TATA AIG Travel Insurance – Asia Brochure - UIN: TATTIOP25042V052425.

Please Note: Coverage benefits are subject to policy conditions and deductibles. Please read the policy wording for more details.

Travel Insurance Policy Inclusions - What is Covered

• Pre-Departure Assistance: Guides you with planning, travel documentation, and visa-related questions before your trip begins.

• Emergency Travel Help: Assists with rebooking flights, hotel arrangements, and trip coordination during unexpected changes.

• Loss of Checked-In Baggage: Provides coverage if your checked-in luggage is permanently lost due to theft or misdirection by an airline.

• Delay of Checked-In Baggage: Reimburses you for essential items purchased if your baggage is delayed upon arrival.

• Loss of Passport: Covers the cost of getting a duplicate or new passport if yours is lost during your travel.

• Personal Liability: Covers legal liability in case you accidentally injure someone or cause property damage while abroad.

• Cash Transfer Support: Provides emergency cash assistance if you lose access to money overseas.

• Medical Expenses for Illness and Injury: Covers medical treatment costs if you fall ill or meet with an accident during your trip.

• Extended Medical Cover After Policy Expiry: If hospitalised at policy end, the plan continues to cover your treatment until discharge or for a limited period.

• Ambulance Services: Covers emergency transport expenses if you need to be taken to a medical facility due to an illness or injury.

• Emergency Medical Evacuation: Pays for evacuation to the nearest hospital or return to India for necessary medical treatment.

• Medical Assistance Services: Includes help with doctor referrals, appointment scheduling, and coordination with local medical services.

• Legal Assistance Abroad: Supports you in case of legal troubles with access to local legal resources.

• Accidental Death and Dismemberment: Offers financial protection in case of accidental death or serious injury while travelling abroad.

• Repatriation of Mortal Remains: Covers the cost of bringing the mortal remains of the insured back to India in case of death during the trip.

• Please note: The inclusions mentioned above are subject to the terms and conditions of your chosen policy. Kindly review your policy document for more details.

Travel Insurance Policy Exclusions - What is Not Covered

• Medical Restrictions: No coverage if you travel against medical advice, for treatment, or with a terminal illness.

• Pre-existing Conditions: Any complications arising from a pre-existing disease are not covered.

• Self-Harm and STDs: Claims due to suicide attempts, self-inflicted injuries, or sexually transmitted conditions are excluded.

• Alcohol, Drugs, and Crime: No coverage if the insured is under the influence of alcohol or drugs or involved in a crime.

• War and Terrorism: Losses due to war, terrorism, military actions, or rebellion are not covered.

• Nuclear and Biological Hazards: No cover for nuclear accidents, radiation, or chemical/biological attacks.

• Hazardous Sports and Work: High-risk sports or manual work-related injuries are excluded.

• Pregnancy and Congenital Issues: Pregnancy complications and congenital conditions are not covered.

• Travel to Restricted Countries: No coverage if you travel from, in, to or from Afghanistan, Cuba, or the Democratic Republic of Congo.

• Please note: This is not a complete list of the exclusions for Sri Lanka travel insurance. Please refer to the policy wording for complete details.

• Visit the Official TATA AIG Website: Go to the TATA AIG website and navigate to the international travel insurance page.

• Provide Travel Details: Select Sri Lanka as your destination and enter your travel dates along with other necessary information.

• Explore and Compare Plans: Click on “See Plans” to view all available options. Compare coverage, inclusions, and premiums to choose the best travel insurance for Sri Lanka.

• Fill Details and Make Payment: Enter your KYC information and proceed with payment using TATA AIG’s secure payment system to get travel insurance online Sri Lanka.

• Get Your Policy by Email: Once the payment is completed, your Sri Lanka travel insurance policy will be emailed to you instantly.

Buy Travel Insurance Online

Scenario 1: Sudden Illness During the Trip

You may develop food poisoning or catch a viral fever while exploring Sri Lanka’s local cuisine or tropical regions. A hospital visit may become necessary for treatment and tests.

How Can We Help

TATA AIG travel insurance covers accident or sickness-related medical expenses, including doctor consultations, hospitalisation, and diagnostic tests. You will also be reimbursed for ambulance services if needed, so you do not have to worry about unexpected medical bills in a foreign country.

Scenario 2: Delayed Baggage on Arrival

Your flight lands in Colombo, but your checked-in baggage is delayed by the airline for more than 4 hours. You are left without essential clothes and toiletries upon arrival.

How Can We Help

TATA AIG offers reimbursement for the purchase of necessary personal items during baggage delays. This allows you to carry on with your travel plans without disruption while waiting for your luggage to arrive at your destination.

Scenario 3: Lost Baggage at the Airport

You arrive at the Colombo or Hambantota airport and find that your checked-in baggage has been permanently lost or misdirected. It contains your clothes, accessories, and gadgets.

How Can We Help

TATA AIG travel insurance provides compensation for the loss of checked-in baggage caused by the airline. You can recover part of the value of your belongings and continue your journey without the added stress of replacing everything out of pocket.

Scenario 4: Misplaced Passport in a Public Place

While visiting a tourist attraction or a crowded market, your passport gets misplaced or stolen. You need to arrange a replacement urgently to continue your trip or return to India.

How Can We Help

TATA AIG will assist you in obtaining a duplicate or new passport and reimburse related expenses. This ensures that your travel plans are not delayed due to documentation issues in a foreign country.

Scenario 5: Food Allergy Emergency

You unknowingly consume seafood that contains allergens, leading to a severe reaction. Immediate hospital treatment and possibly ambulance support are required.

How Can We Help

TATA AIG covers your medical treatment for allergy-related emergencies abroad. You can also get reimbursed for ambulance transport, ensuring prompt and professional care without the burden of high emergency medical costs.

Scenario 6: Sudden Loss of Access to Funds

You may lose your wallet or face an ATM card malfunction while in Sri Lanka. It leaves you without cash for essentials like transport or food.

How Can We Help

TATA AIG provides emergency cash assistance to help you manage basic expenses during such situations. You can continue your trip without interruption until alternative financial arrangements are made.

Scenario 7: Medical Evacuation from a Remote Area

If you fall ill or get injured while visiting a Talaimannar beach or Nuwara Eliya and Ella hill station in Sri Lanka, the nearby facilities may not offer the treatment you need.

How Can We Help

TATA AIG arranges emergency medical evacuation to the nearest hospital or even back to India if needed. You will get prompt transportation and proper care without worrying about coordination or high evacuation costs.

Filing a claim with your TATA AIG Sri Lanka travel insurance policy is straightforward if you follow the required steps and timelines. Here is a step-by-step guide to help you through the claims process:

Steps to Follow to File a Claim

• Report the Incident Without Delay: Notify TATA AIG about the event at the earliest, ideally within 7 days, and no later than 30 days from the date of occurrence.

• Inform the Local Authorities: In case of theft, loss, or damage to belongings, immediately inform the concerned authority, such as the airline, hotel, or police. A police report must be filed within 24 hours if a theft or robbery occurs.

• Seek Pre-Approval for Medical Services: If you require hospitalisation during your trip, contact the TATA AIG assistance team before beginning treatment to obtain prior approval.

• Complete the Claim Form: Once the claim is reported, you will need to fill out the appropriate claim form. Fill it carefully with accurate information related to the incident.

• Submit Documents on Time: Send the filled claim form along with all necessary supporting documents within 30 days. If delays are unavoidable, extensions may be granted under valid conditions.

• Claim Review and Payment: TATA AIG will evaluate the documents and, upon approval, initiate the claim settlement as per your policy coverage.

File Your Travel Claim

Documents Needed to File a Claim

• Duly Filled Claim Form: Completed and signed by the insured or claimant.

• Original Medical Bills and Receipts: Including pharmacy bills, consultation charges, diagnostics, and relevant receipts or prescriptions.

• Medical Reports: All relevant medical documents such as case history, investigation results, discharge summary, and treatment notes.

• Treatment Diagnosis: A clear diagnosis explaining the medical condition for which the claim is being made.

• Service-wise Billing: A detailed itemised list of services and treatments, along with the unit price for each.

• Prescriptions: Including the name of the insured person, prescribed medicines, their cost, and proof of payment.

• Doctor’s Invoice: Prescriptions must be submitted along with the treating doctor’s invoice.

• Additional Certificates: If applicable, FIR copy, Disability Certificate, or Postmortem Report.

• Other Relevant Documents: Any additional documents requested by the Claims Department to validate your claim.

Important Contact Information for Claim Assistance

To initiate your TATA AIG travel insurance claim quickly, you can choose from the following convenient methods:

• Initiate Claim via the Official TATA AIG Website: Visit the TATA AIG website and go to the claims section. You can file your travel insurance claim online, upload required documents, and claim status with ease.

• Use the Mobile App: Download the TATA AIG mobile app from the Google Play Store or the Apple App Store. The app allows you to submit and manage your travel insurance claim anytime, from anywhere.

• Call the Customer Support Line: For assistance, contact our 24x7 helpline at 022 6489 8282. Senior citizens can also use a dedicated number, 1800 267 1955, for specialised support.

• Email Your Claim Details: You may email all relevant claim information to general.claims@tataaig.com. Our team will review your case and guide you through the next steps.

Sri Lanka offers a perfect mix of heritage, nature, beaches, and adventure. Its close proximity to India, visa-on-arrival facility, and cultural similarities make it a top holiday choice.

Estimated Cost for the Trip: ₹100,000 – ₹1,50,000 per person (includes mid-range hotels, transport, food, entry tickets, and safari).

This 10-day itinerary covers iconic spots like ancient temples, scenic hill stations, wildlife safaris, and golden beaches to give you a complete Sri Lankan experience.

Sri Lanka is a paradise packed with history, spirituality, lush landscapes, and golden beaches. Its charm lies in its diversity. It has ancient cities, sacred temples, wildlife safaris, and coastal bliss. Here are 8 must-see attractions that Indian travellers will truly enjoy:

Sigiriya Rock Fortress

Sigiriya, also known as the Lion Rock, is an ancient rock fortress located in central Sri Lanka. A UNESCO World Heritage Site, this iconic monument rises nearly 200 metres above the ground and offers panoramic views from the top. The climb is steep but rewarding, with ancient frescoes, gardens, and water features to admire along the way.

Temple of the Tooth Relic, Kandy

This sacred Buddhist temple in Kandy houses a relic of Lord Buddha’s tooth. A deeply spiritual destination, it draws pilgrims and tourists alike. The temple’s golden roof, intricate carvings, and serene surroundings make it a peaceful retreat. Evening ceremonies with drumming and prayers offer a unique cultural experience not to be missed.

Nuwara Eliya and Tea Plantations

Nuwara Eliya is known as "Little England." It offers a cool climate, colonial charm, and endless green hills. The tea plantations here are world-famous. You can enjoy a visit to tea factories, learn about tea-making, and taste freshly brewed Ceylon tea. Places like Gregory Lake and Hakgala Botanical Garden add to the charm. The scenic train ride from Kandy to Nuwara Eliya is an experience in itself.

Ella and Nine Arches Bridge

Ella is a small town in the central highlands with stunning views, hiking trails, and relaxed vibes. The famous Nine Arches Bridge is a major photo spot and a marvel of colonial engineering. Surrounded by lush greenery, it is best visited during the morning or evening when trains pass over the bridge.

Yala National Park

Wildlife enthusiasts will love Yala National Park, Sri Lanka’s most visited and second-largest national park. It is home to leopards, elephants, crocodiles, and exotic birds, and it offers thrilling safari experiences. Morning and evening safaris give the best chance to spot wildlife, and trained guides ensure a safe experience.

Bentota Beach and Water Sports

Bentota is one of Sri Lanka’s most beautiful beach towns. It is ideal for relaxing by the sea or indulging in water sports. Bentota offers activities for all age groups, with experiences like jet skiing and banana boat rides and peaceful river cruises. Bentota offers activities for all age groups. If you are looking for a laid-back day on the coast, with great seafood and sunset views, then you will find this destination perfect.

Galle Fort

Galle Fort is a well-preserved colonial-era fort on Sri Lanka’s southern coast. Built by the Portuguese and later fortified by the Dutch, it is now a vibrant area filled with cafes, shops, and historical buildings. You can enjoy walking along its stone ramparts, exploring museums, and discovering local art and jewellery.

Dambulla Cave Temple

The Dambulla Cave Temple is a network of five cave shrines carved into a massive rock. Each cave houses beautiful Buddhist murals and over 150 statues, including a giant reclining Buddha. This site holds great religious importance and artistic value. You will find the peaceful ambience and historical richness of this place deeply moving and fascinating.

Transportation in Sri Lanka

Sri Lanka offers various transport options for tourists. Public buses are cheap and run frequently. You can board them from bus stands and pay the fare directly to the conductor. For intercity travel, private AC buses are also available and can be booked online via the BusSeat website.

Trains are scenic and ideal for routes like Colombo to Kandy or Ella. Tickets can be purchased at railway stations or booked online through Sri Lanka Railways or third-party sites like 12Go Asia. First-class and observation cars are recommended for comfort.

Tuk-tuks are great for short city trips. Always agree on the fare beforehand or use apps like PickMe or Uber for transparency. For long distances, hire private taxis via hotel desks or apps.

Car rentals with drivers can be arranged online or through travel agents. Domestic flights are available between Colombo and other cities via Cinnamon Air or FitsAir.

Best International SIM Cards in Sri Lanka

Prepaid SIM Buy a prepaid SIM at the airport or any mobile operator outlet (Dialog, Mobitel, Hutch). You only need your valid passport; no address proof is required. Dialog offers the widest 4G/5G coverage, reliable speeds, and affordable plans; Mobitel also provides strong coverage and shorter airport queues.

International eSIM (data only) For data-only use, consider using Airalo eSIM, Saily, or Holafly Asia plans covering Sri Lanka. They activate via QR code before travel and avoid physical SIM hassles.

Local Phrases to Learn Before Visiting Sri Lanka

Travelling with Kids in Sri Lanka

• Kid-Friendly Attractions: Explore Pinnawala Elephant Orphanage, Dehiwala Zoo, Galle Fort, and Bentota Beach - perfect for children to enjoy and learn. You may book tickets via the National Zoo website.

• Comfortable Transport Options: Use private taxis or cars with child seats. Apps like PickMe offer safe and convenient travel for families.

• Family-Friendly Restaurants: Many restaurants provide kids’ menus and high chairs. Look for child-friendly cafes in Colombo and Kandy.

• Shopping for Kids’ Essentials: Buy kids’ clothes and toys at ODEL or House of Fashions. Keells and Cargills supermarkets stock baby food, diapers, and toiletries.

Popular Activities You Can Take Part in Sri Lanka

• Wildlife Safaris: Visit national parks like Yala, Udawalawe, and Minneriya to spot elephants, leopards, and exotic birds in their natural habitat.

• Beach Relaxation: Relax on golden beaches in Bentota, Mirissa, Unawatuna, and Trincomalee. Enjoy sunbathing, swimming, and beachside cafes.

• Scenic Train Rides: Take the famous train journey from Kandy to Ella. The ride offers lush tea gardens, mountain views, and beautiful landscapes.

• Explore Ancient Cities: Discover historical wonders in Anuradhapura, Polonnaruwa, and Sigiriya Rock Fortress. These places reveal Sri Lanka’s rich heritage.

• Visit Buddhist Temples: Pay your respects at the Temple of the Tooth in Kandy or the Dambulla Cave Temple, both important religious sites.

• Water Sports Adventures: Enjoy snorkelling, jet skiing, and scuba diving in Hikkaduwa, Arugam Bay, or Pasikuda for some ocean excitement.

• Taste Local Cuisine: Try Sri Lankan dishes like hoppers, kottu roti, and coconut sambol. Visit local eateries for authentic flavours.

• Shop Local Handicrafts: Buy gems, batik fabrics, tea, and wooden carvings at local markets and craft stores for memorable souvenirs.

Currency in Sri Lanka

Sri Lanka uses the Sri Lankan Rupee (LKR) as its official currency. Indian travellers cannot use Indian rupees in the country as it is not accepted for transactions.

You can exchange INR to LKR at banks, airports, or authorised money changers. ATMs are widely available in cities. Carry some cash for local markets and transport. Credit and debit cards are accepted in hotels, restaurants, and larger stores.

Where to Stay in Sri Lanka

• Budget Stays: Look for affordable guesthouses and hostels in areas like Colombo, Kandy, and Ella. Popular options include City Beds (Colombo) and Hangover Hostels.

• Mid-Range Hotels: Choose comfortable hotels or homestays offering good amenities. Jetwing Hotels, Mandarina Colombo, and Ella Flower Garden Resort are great mid-range choices.

• Luxury Stays: Enjoy 5-star comfort at resorts like Cinnamon Grand (Colombo), Heritance Kandalama (Dambulla), or Cape Weligama for beachside luxury.

• Unique Stays: Try eco-lodges, boutique hotels, or tea estate bungalows in Nuwara Eliya for a unique experience with stunning views.

• Booking Tips: Use trusted platforms like Booking.com or Agoda. Compare prices, read reviews, and book in advance during peak seasons.

How to Get a Visa for a Sri Lanka Trip

Indian citizens enjoy visa‑free entry with an Electronic Travel Authorisation (ETA) required prior to travel. Apply online via the official ETA website.

Fill in personal and travel details, upload a passport copy, and pay the ETA fee by Visa, MasterCard, or AMEX.

Once approved, you will receive an ETA approval notice via email. Print and carry it for immigration on arrival.

• Requirements: A passport valid for at least 6 months, a return ticket, and proof of funds for your stay.

Travel Documents Needed for Sri Lanka

• A valid Indian passport with at least 6 months’ validity beyond your arrival date and two blank pages for immigration stamps.

• An approved ETA (Electronic Travel Authorisation) obtained online before departure. A printed copy of the ETA approval is to be presented on arrival.

• A confirmed return or onward ticket and proof of sufficient funds for the duration of your stay.

• Proof of sufficient funds in your bank account to cover the duration of the stay in Sri Lanka.

High Commission of India in Sri Lanka: Address & Contact**

Travel Tips for Indian Nationals to Sri Lanka

• Carry Essential Documents: Bring a valid passport (6 months validity, one blank page), printed Electronic Travel Authorisation, return ticket, and proof of funds.

• Currency Exchange: Exchange Indian Rupees to Sri Lankan Rupees (LKR) at banks or authorised counters at the airport.

• Use Safe Transport: Use PickMe or Uber for safe city travel. For intercity trips, trains and private cabs are convenient.

• Respect Local Customs: Dress modestly at religious sites. Remove shoes before entering temples and avoid public displays of affection.

• Stay Hydrated and Eat Carefully: Drink bottled water and eat at clean, reputed restaurants to avoid stomach issues.

• Currency Declaration: If you are carrying foreign currency over US$10,000 while entering the country and US$5,000 while leaving, you must declare the value.

Sri Lanka Travel Advisories

• The Government of India advises Indian travellers to Sri Lanka to remain vigilant and careful due to ongoing security concerns.

• Remain alert in crowded tourist zones, transport hubs, markets, malls, places of worship, parks, hotels and restaurants.

• Monitor local media and follow the instructions of the Sri Lankan authorities and Indian missions abroad.

• Avoid all demonstrations or large gatherings, as these can turn violent suddenly.

A trip to Sri Lanka can be magical, but even the most well-planned journeys face the unexpected. At TATA AIG, we believe your holiday should be memorable for all the right reasons. Our travel insurance for Sri Lanka plans offer reliable protection, round-the-clock support, and easy online purchase.

Our travel insurance Sri Lanka plans are affordable, reliable, and come with an easy claim process. With us by your side, you can explore worry-free and focus on creating unforgettable memories.

Buy your TATA AIG travel insurance for Sri Lanka from India today and travel with confidence.