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High Risk Voyager Travel Insurance is available to cover business trips and leisure holidays to destinations where the FCDO advise against "all but essential travel"

Please Note - France, Spain, Portugal and the Netherlands are included in High Risk Territorial Zone D


Important Information for UK Residents: If you plan to travel, please be aware that the UK Government has restricted international travel to essential travel only, such as for work.

The Government travel ban makes it illegal to travel for reasons not deemed “essential” and this product provides NO cover whatsoever for those travelling illegally.

If you are unsure whether your trip is deemed essential by the Government, please refer to

Please Note: We cannot assist you to determine if your travel is deemed essential. Be aware you may be asked your reason for travel before you are allowed onto your pre-booked travel by air, sea or land. You should seek legal advice if you are unsure.

We can provide High Risk Voyager Travel Insurance for travel to countries and regions where either the Foreign, Commonwealth & Development Office (FCDO) or local authority equivalent or the World Health Organisation (WHO) have placed travel restrictions, providing your travel is not illegal.

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For more information on Territorial Zones please refer to the help sets () on the right hand side when selecting your Territorial Zone on Desktop devices and the button on mobile devices in the 'Quote Details' section when getting a quote.

High Risk Voyager Travel Insurance has Coronavirus / COVID-19 cover available regardless of FCDO travel restrictions.

This COVID-19 coverage is only applicable to the following sections of cover; Emergency Medical Expenses, Emergency Medical Repatriation/Evacuation, Return Trip (Following covered Emergency Medical Evacuation), Visitor To Bedside – Travel and Accommodation Expenses, Additional Accommodation Food & Travel Costs, Identification of Remains & Repatriation of Remains or Overseas Burial/Cremation and Hospitalisation Benefit; and no other section.

Travel Insurance Sri Lanka - High Risk Voyager

You may be wondering, is it safe to travel to Sri Lanka following the terrorism atrocities that hit the island nation in April of 2019. Following these awful terrorist attacks, The UK Foreign, Commonwealth & Development Office (FCDO) changed its Sri Lanka travel Advice to reflect the heightened risk of terrorism in the country. It is vitally important that you check this advice before your trip but bear in mind that these travel advisories can change from day to day, so Click here to see the latest FCDO travel advice for Sri Lanka. If you decide you are still going to go to Sri Lanka, it is equally important that you purchase the sort of Travel Insurance Sri Lanka needs before you go as many ‘standard’ travel insurance policies will exclude travel to certain areas of Sri Lanka which the FCDO may advise against “all or all but essential travel” to. Fortunately, High Risk Voyager Travel Insurance for Sri Lanka can provide cover for these areas where other travel insurance policies can't.

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Sitting just off the south-east coast of India in the Indian Ocean, Sri Lanka is better known for its seemingly endless white beaches complete with postcard-perfect over hanging trees. This has made the ‘Teardrop Island’, as its affectionately known, a hot spot for British and European tourists looking for the perfect winter sun destination for many decades. Catering for backpackers on a budget, luxury travel and everything in between – there is something for everybody. The city streets buzzing with tuk-tuks surrounded by many beach hotel resorts or Arugam Bay, a popular surfing destination located in the dry zone of the south east coast. The train journey linking the capital Columbo in the west to Galle in the south through a picturesque landscape of coconut trees and rolling tea plantations it is not to be missed.

Unfortunately, as previously mentioned, Sri Lanka represents a high risk of terrorism, where attacks can even occur in places visited by foreign tourists. Consequently, it is extremely important that they buy travel insurance for Sri Lanka with sufficient cover before their trip. In addition to the increased risk of terrorism, Sri Lanka can be affected by severe weather such as tropical cyclones and monsoon rains lending to a high risk of flooding. It is also important to understand that Sri Lanka has no reciprocal healthcare agreement with the UK or the European Union. This means that you will not be able to use your EHIC in case of a medical emergency whilst visiting Sri Lanka. Because of this, you will be required to pay all costs associated with any emergency medical treatment you may require if you do not have the correct travel insurance.

As of 8th May 2019, The FCDO advise “against all but essential travel” to the whole of Sri Lanka due to the evolving security situation following the attacks on 21st April 2019. These travel advisories can change from day to day, so Click here to see the latest FCDO travel advice for Sri Lanka.

Fortunately, High Risk Voyager Travel Insurance to Sri Lanka can provide cover as it is a specialist travel insurance solution for high risk and frontline locations that can provide cover even to areas the FCDO advise “against all but essential travel” or “all travel”. This FCDO rating would usually invalidate a normal ‘standard’ type travel insurance policy.

What is Covered on your Travel Insurance Sri Lanka Policy?

High Risk Voyager Travel insurance for travel to Sri Lanka has been specifically designed to offer extensive travel protection whilst visiting or working in ‘high risk’ territorial zones. As well as being able to offer protection, if you choose, in the event of missed departure, baggage damage and sporting activities, our other policy benefits include:

  • Emergency Medical Expenses - Up to £1,000,000
  • Emergency Medical Evacuation / Repatriation - Up to £1,000,000
  • Political & Natural Disaster - Up to £5,000
  • Hijacking, Mugging, Piracy and Wrongful Detention - Up to £2,500
  • Personal Accident - Up to £15,000
  • PTSD Assessment/Councelling Following a Covered Hostile Event - Up to £25,000

Click here to see the full High Risk Voyager Travel Insurance Sri Lanka Policy Wording where you will be able to view the full Table of Benefits and available optional covers.


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Policy Wording

For Business Trips up to 365 days cover
(can include up to 31 days of Leisure cover)

Or Leisure Only Trips up to 31 Days Cover*:
*For Leisure trips ONLY, no War Cover is provided under this policy.

High Risk Voyager Travel Destinations Sri Lanka

Travel Insurance Sri Lanka - Policy Features Snap Shot

  • 24/7 Quick and Easy Secure Online Quote and Buy Facility
  • One-Tap Emergency App & Pre-Travel Country Profile Information
  • Access to FREE “Country Information Files” to download before your travel, to help keep you informed and safe.
  • 24/7 Emergency Medical Assistance Helpline
  • Available to purchase before or after departure
  • Choice of 2 Levels of Travel Medical+ Cover with up to £/$/€1,000,000
  • Emergency Air Ambulance and Medical Evacuation Services
  • Single Trip Policies for Trips from 1 day up to 365* days duration
  • Annual Multi Trip Policies, unlimited number of trips of up to 31 days each and includes 17 days Winter Sports

  • Includes participation in Winter Sports and over 100+ leisure activities (non-professional)
  • Choice of up to 4 Territorial Zones of Cover including war, crisis and disaster relief zones
  • Available in £GBP, USD$ and Euros € with claims settled in your chosen currency, determined by the currency used to pay your premium.
  • Individual cover with online discounts for Groups of 5+ Members purchasing together
  • Discounts available for having taken recognised risk management, travel safety and personal security advice before departure

*Note - Leisure travel are limited to a maximum trip duration of 31 days. Business, work, volunteering trips can be up to 365 days.

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Why Consider High Risk Voyager Travel Insurance When Looking for the Best Travel Insurance for Sri Lanka?

High Risk Voyager Travel Insurance has been designed in close consultation between leading international travel and medical insurance experts and professionals operating at the frontline in the field of worldwide travel risk management, safety and personal security in fragile environments.

How do I get a Quote and Buy Travel Insurance for Sri Lanka?

It’s quick and easy to get an Travel Insurance Sri Lanka quote: just click the ‘Get a Quote’ button to get a fast travel insurance quote online, or if you prefer to speak with someone then you can call our team direct on +44 (0) 1483 806 626.

Sri Lanka Country Information Profile

Capital City Sri Jayawardenepura Kotte
Largest City Colombo
Currency Sri Lankan Rupee (LKR)
Official Laguage Sinhala, Tamil
Other Major Languages English
Demonym(s) Sri Lankan
Time Zone GMT+5.5
Dialing Code +94
Driving Side Left


Get a Quote

Policy Wording

For Business Trips up to 365 days cover
(can include up to 31 days of Leisure cover)

Or Leisure Only Trips up to 31 Days Cover*:
*For Leisure trips ONLY, no War Cover is provided under this policy.

Important Information for Customers with Serious Medical Conditions

The Money and Pensions service (MaPs) has developed a directory of specialist travel insurance to ensure customers with pre-existing medical conditions are easily able to obtain access to affordable travel insurance. If we are unable to help you and you are struggling to find medical cover that suits your needs, due to a serious medical condition, you may find a company that can help you through the MaPs travel insurance directory or by calling 0800 138 7777 - Monday to Friday, 8am – 6pm. 

Travel Insurance Sri Lanka High Risk Location

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Our UK Customer Services Team Contact Details

Call Us for a free High Risk Voyager Travel Insurance Quote Call Customer Services:
+44 (0) 1483 806 686

Send email to High Risk Voyager team Email Customer Services:

Our UK Customer Services team is available 9.00am-5.30pm (UK time), Monday-Friday (excluding weekends & UK Public Holidays).

download documents here Click to download the 'How To Make A Complaint' Guide

download complaints procedure here Click to download the Voyager Complaints Procedure

Holiday Insurance Sri Lanka Customer Service

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  Country Guides

Will you be travelling to any of the high risk location countries, featured in the list below?
Simply click on a country featured in the list to open a free Country Guide in PDF format.


Copyright © 2018 Voyager Insurance Services Ltd. All rights reserved.

High Risk Voyager is arranged and administered by Voyager Insurance Services Ltd. Voyager Insurance Services Ltd is authorised and regulated by the Financial Conduct Authority (Firm Reference Number: 305814). Registered address: Bankside 300, Peachman Way, Broadland Business Park, Norwich, Norfolk, NR7 0LB, UK.