Travel insurance that actually covers what you do in Sri Lanka the exclusions trap

Travel medicine physician who sees the uninsured aftermath so read this before you buy The activities that commonly fall outside basic cover here and burn travellers Riding a motorbike or scooter or tuktuk as the DRIVER without a valid license category many policies exclude two wheelers entirely or require the proper endorsement the same recognition permit the driving threads describe Surfing is sometimes covered sometimes excluded above beginner level Scuba diving usually needs a named add on and a depth limit often capped without it White water rafting at grade ratings the basic tier excludes Hiking or trekking above an altitude threshold (Adams Peak and the high hill country can trip a low threshold clause) The realistic exposure if uninsured private hospital treatment for a serious scooter injury runs into thousands of dollars an air ambulance repatriation into tens of thousands the government hospitals treat emergencies superbly and cheaply but complex care and getting home are where the uninsured catastrophe lives How to read the policy before paying find the section titled hazardous activities or sports and pastimes read the EXCLUSIONS not the glossy cover summary look for your specific activities by name confirm motorbike or scooter cover requires only a valid home license OR demands the local permit confirm the altitude limit for trekking buy the adventure or sports add on if any single planned activity needs it it is cheap before the trip and impossible after the incident The clause that catches the most people the alcohol exclusion any incident with alcohol in your system voids most policies entirely scooter plus a beer equals uninsured regardless of fault The one move that never fails email the insurer your exact activity list and get written confirmation before paying the call centre yes is worthless the email is evidence