Are tourists automatically covered by the agency’s liability insurance?

Tourists are not automatically protected against personal medical emergencies or trip cancellations under a local agency’s liability insurance at all. The operator’s policy only really kicks in when something happens because of the company’s negligence, for instance, a vehicle accident that is directly tied to them.

Counting only on the tour company’s insurance leaves big blind spots in coverage. Every visitor should purchase independent, comprehensive travel insurance before getting to Sri Lanka. That way, you get stronger coverage against sickness, lost or stolen belongings, injuries from adventure activities, and those unexpected flight disruptions.