International Travel Insurance

Travel insurance is an insurance policy you purchase to protect yourself from potential financial losses or risks that might arise during your trip. 

Read more about travel insurance.

Many travelers underestimate the importance of staying protected while traveling. Prior to the pandemic, travel insurance was merely an option. It has now become essential, if not necessary to travel anywhere.

Whether you are traveling for a couple of days or many months, staying protected with travel insurance alleviates financial burden and ensures peace of mind away from home. Here are some of the main reasons why travel insurance is a necessity.

• Health risks associated with dangerous activities, diseases, and illnesses
• Coverage for travel expenses such as travel delays, loss of baggage, etc.
• Access to adequate healthcare when medical attention is required

Usually, a travel insurance policy provides different levels of coverage. Some travelers choose a basic plan that meets the minimum requirement of a specific country they are traveling to, but many opt for a comprehensive plan that provides sufficient coverage to wander around with peace of mind. In fact, a comprehensive plan not only covers medical expenses but also common travel hiccups such as trip delays, damaged baggage, etc. 

Nowadays, most countries accept international insurance as long as the coverage requirement for the respective country is met. However, we highly recommend a policy from a local insurance company with credentials and resources onsite. International insurance may be adequate for entry but is often limited in practicality and experience compared to locally established companies that can provide service with regional expertise.

LUMA is the ideal choice for anyone who wishes to travel to or from Asia. LUMA’s travel insurance provides:

• Wide range of coverage -from essential medical cover to comprehensive travel medical insurance
• 24/7 multilingual support – offices in Bangkok, HCMC, and Phnom Penh
• Expert service – more than 10 years of experience with established medical network

It depends on where you go and how many days you travel. The country you plan to travel to may have certain entry requirements for the minimum insurance coverage to enter. Many travel insurance has different levels of coverage and periods of coverage to choose from, so you can choose a plan that matches your travel requirements and budget. You might be surprised to find that sometimes regional coverage costs as much or even less than country-specific coverage. 

LUMA Asia Pass, for example, provides coverage for Asia with a similar if not lower premium compared to other insurance products that cover one specific country. 

Mostly, you are required to obtain travel insurance before making the trip. Although many insurance plans cannot be purchased in the middle of the trip, there are some insurance plans you can buy to cover the extended days of your travel. 

If you plan to travel to multiple countries, you can purchase travel insurance in the middle of your trip from one point to another. Please bear in mind that a travel insurance policy covers your trip to another destination, therefore the coverage is not effective in your country of residence.