Traveling to Sri Lanka, between paradisiacal beaches, historic temples and tea plantations, is an adventure that attracts many globetrotters. But when faced with the unexpected, one essential question arises: should you take out travel insurance or make do with the coverage included with your bank card? Here’s a comprehensive guide to making the right choice.
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💳 Is bank card insurance enough?
Some high-end bank cards, such as Visa Premier or Mastercard Gold, offer attractive travel cover. They often include:
- Medical insurance in case of illness or accident.
- Repatriation assistance.
- Compensation for flight delays or lost luggage.
- Civil liability abroad.
Conditions for coverage:
- Have paid at least 50% of transportation costs (plane ticket, train) with the card.
- Limited length of stay (often 90 days maximum).
🚫 Limits of credit card insurance
While it may suffice for short or low-risk trips, bankcard insurance has several drawbacks:
- Low reimbursement ceilings: bankcard insurance may only cover a few thousand euros for medical expenses, which may be insufficient when faced with expensive hospital treatment in Sri Lanka.
- Frequent exclusions: Activities considered dangerous (diving, high-mountain trekking) are often excluded.
- Lack of personalization: Unlike a dedicated insurance policy, it doesn’t take into account your specific needs, such as an extended stay or sporting activities.
- Long, complex reimbursement process: In the event of a problem, claiming your rights can become a real obstacle course.
🌍 Why opt for dedicated travel insurance?
Dedicated travel insurance offers more comprehensive cover tailored to Sri Lanka:
- High medical expenses covered: Up to 1 million euros or more.
- Natural disaster assistance: Sri Lanka is prone to floods and landslides.
- Trip cancellation and interruption: Useful in the event of unforeseen circumstances (illness, death of a loved one).
- Coverage for specific sports and activities: Diving, surfing or safaris.
- 24-hour service in French: Useful in the event of problems abroad.
Cost: Expect to pay between €30 and €80 for a two-week stay, depending on the package chosen.
⚠️ The risks of poor coverage
Travelling without adequate insurance means taking the risk of :
- Exorbitant medical expenses: Hospitalization or medical evacuation can cost tens of thousands of euros.
- Being stranded without assistance in the event of a cancelled flight or lost passport.
- Managing legal problems alone in the event of an accident involving a third party.
In Sri Lanka, even if basic care is affordable, international private clinics are much more expensive.
🏷️ Comparative advantages and disadvantages
| Criteria | Credit card insurance | Dedicated travel insurance |
|---|---|---|
| Medical expenses covered | Low (low ceiling) | High |
| Specific activities | Little or no coverage | Well covered |
| Length of stay | Max 90 days | Flexible |
| Customer service | Complex | Simple and responsive |
| Additional cost | Included | Between €30 and €80 |
🧳 In conclusion: which option to choose?
For a short stay without risky activities, the insurance included in your bank card may be sufficient. However, if you’re going away for an extended stay, are planning specific activities or want to travel with peace of mind, taking out dedicated travel insurance is strongly recommended.
When it comes to insurance, prevention is better than cure! 🌴