Best Travel Insurance for Sri Lanka: This is the Insurance I Use in 2025

I’ve been traveling pretty much non-stop for the past seven years. Sure, some of that was living abroad and not always backpacking, but no matter where I went, having travel insurance was just always part of the deal for me.

Sri Lanka was no different. Travel medical insurance has become a total non-negotiable for me. And I know this isn’t the fun part of planning a trip, but it’s one of those things you’ve just got to sort out.

So here’s a quick guide to travel insurance for Sri Lanka, what I used on my last trip, why I really liked it, and how you can get it too.

Just a quick heads up – this whole article is really about medical travel insurance. I know losing your luggage or missing a flight sucks, but that’s not the part I personally care about. What matters to me is having coverage for hospital bills or emergencies if things really go south. So that’s what I’ll mostly be talking about here.

How I Stay Covered While Traveling Full-Time

I’ve been using SafetyWing for over two years now, and honestly, I couldn’t be happier. I use their Nomad Insurance Essential, which is their travel medical insurance, and it’s perfect for my long-term trips and adventures.

SafetyWing has helped me out many times already, and with their amazing online support, everything was always super smooth. They also have Nomad Insurance Complete for even more coverage.

Join SafetyWing

Best Travel Insurance for Sri Lanka: This is The Insurance I use in 2025

Travel Insurance for Sri Lanka – My Experience

I’ve always had travel insurance (Safetywing), to be honest. And it’s not because I’m super Type A or overly cautious, I just think it’s kind of silly not to have it. Having travel insurance, whether it’s for Sri Lanka or anywhere else, just gives me peace of mind.

I remember on a recent snowboarding trip with my family in Colorado, I debated whether to add the U.S. to my policy since it costs a bit more. But I knew it would’ve been in the back of my head the whole time if I didn’t, so I added it. It took two seconds with SafetyWing and barely cost anything.

Same thing with Sri Lanka. Between hiking, surfing, and getting around on scooters, there’s a good chance you’ll be doing something a little risky. Nothing happened on my last trip (touch wood), but I was glad I had coverage. Definitely one of those better-safe-than-sorry situations.

Why I Use Travel Health Insurance for Sri Lanka (The Ugly Truth)

I don’t want to sound dramatic, but after years of traveling, I’ve just seen too much. I’m literally writing this from Lombok, where just a few weeks ago, a Brazilian backpacker died hiking Mount Rinjani. I’ve met someone who ended up in a coma in Manila after a scooter crash that wasn’t even their fault. These things happen more often than people think, and getting airlifted off a volcano, mountain, or island in countries like this? That’ll cost you more than your entire trip.

But it doesn’t even have to be something that extreme. Twisting your ankle hiking, getting your back cut open on a reef while surfing, a bad case of food poisoning, it doesn’t take much for your whole trip to get flipped upside down.

I don’t walk around paranoid, but I am realistic. And that’s why I always travel with medical travel insurance. For Sri Lanka, I use Nomad Insurance Essential by Safetywing which covers the stuff I actually care about and don’t want to deal with out of pocket.

Join SafetyWing

Why Safetywing is the Best Travel Insurance for Sri Lanka (In My Opinion)

I’ve been using SafetyWing for over two years now, and honestly, I love them. It’s travel medical insurance made by digital nomads for digital nomads, but really, it works for anyone who’s traveling longer-term. If you’re away for a month or more, this is the kind of coverage that actually makes sense.

They’re a super modern company, so everything is online, the customer service is quick and easy to deal with, and I’ve never had to jump through hoops to get help. What I love most though is that you can sign up even if you’re already abroad. That’s not the norm. My old insurance once wanted me to fly back to my home country just to renew my policy, which was completely ridiculous.

I’ve had a few claims over the years and every single one was sorted fast, without drama. I couldn’t be happier. And just to be clear, this isn’t a sponsored post or anything, it’s genuinely what I use and recommend.

Safetywing Travel Insurance Plans

SafetyWing offers two different plans, basically a smaller one and a bigger one.

The smaller one is called Nomad Insurance Essential, which is what I currently use. It’s a travel medical insurance, so it covers emergencies like hospital visits, injuries, and unexpected illnesses while you’re abroad. It’s straightforward and does what I need when I’m on the road.

Then there’s the bigger plan: Nomad Insurance Complete. This one’s more like a full health insurance while you’re traveling. It’s definitely more expensive, but it covers ongoing stuff, things like regular doctor visits, chronic conditions, physical therapy, and more. It’s ideal for people living abroad full-time, like digital nomads in Bali or anyone without coverage from their home country.

Cost of My Travel Insurance

Right now I’m paying around $55 USD per month for the Nomad Insurance Essential plan, which I think is totally fair. That’s under $15 a week for peace of mind, so I can’t really complain.

Sure, there are cheaper travel insurance options out there, and I’ve used some of them before, but I’ve found that SafetyWing’s customer service is way more reliable. I’d rather pay a little more and know I’m actually taken care of if something goes wrong.

The Nomad Insurance Complete plan is over $150 USD per month, but keep in mind that this is a full health insurance, not just emergency coverage. If you check what you’re paying back home (or how much gets taken from your paycheck), it might actually be the same or even less.

Final Thoughts on International Travel Insurance Sri Lanka

I don’t think this article needs a big conclusion, but let me just say it straight: travel insurance isn’t optional. If you’re going abroad and you’re not willing to spend around $50 a month for coverage, then honestly, you shouldn’t be traveling. Sorry, but that’s how I see it.

Especially in countries where you’re riding around on scooters (often without helmets, which is wild to me), the risks are real. And doing that without any kind of health coverage? I don’t even know what to say.

So do yourself a favor. Click the link, sign up for SafetyWing, it takes like 2 minutes and you’re covered immediately.

FAQs About Sri Lanka Travel Insurance

What is the cheapest travel insurance for Sri Lanka?

I’m not sure about the absolute cheapest, but in my opinion, SafetyWing is definitely the best, especially if you’re looking for something flexible, reliable, and easy to manage while traveling.

What travel insurance can I get when I’m already abroad?

One of the best things about SafetyWing is that you can sign up from anywhere, even if you’re already on your trip. You could literally have a hike planned for tomorrow, sign up today, and you’d already be covered.

Do I need travel medical insurance for Sri Lanka?

Technically no, it’s not a requirement. But I’d highly recommend it, no matter what kind of traveler you are. Things happen, and having medical coverage gives you one less thing to stress about.

Is Sri Lanka dangerous?

I personally don’t think Sri Lanka is more dangerous than many other countries. But anywhere in the world, things can go wrong, accidents, illness, transport delays. And without insurance, even small problems can get expensive fast.