International Travel Insurance

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Get trip protection built by experts who understand healthcare across Asia. Fast claims, trusted medical guidance, and easy online purchase before you travel.

✈️ Buy Before You Fly – Insurance must be purchased before departure. Coverage is not valid once your trip has started.

What Makes LUMA Different

International Travel Insurance, Travel Insurance

Dedicated Medical Team for expert guidance​

Our in-house doctors can help review your treatment during a trip if you're unsure about the care received.

International Travel Insurance, Travel Insurance

Local Teams in South East Asia

Our support teams are based where you travel — not just online.

International Travel Insurance, Travel Insurance

Fast Claims and Emergency Assistance

Multilingual support from local teams who understand the healthcare systems you’ll encounter.

International Travel Insurance, Travel Insurance

Instant, Paperless Purchase

Buy your plan securely online in just a few minutes — no paperwork required.

International Travel Insurance, Travel Insurance

Multi-Trip solutions: one policy for all your trips​

One plan for multiple short trips (up to 180 days total). Ideal for frequent travelers.

What Your LUMA Plan Can Cover

Our plans adapt to your destination and trip details. 

🏥 Medical coverage for emergencies

✈️ Trip interruption & cancellation

🧳 Lost baggage protection

🧑‍⚕️ LUMA doctor support for treatment review

🦠 COVID-19 medical cover

🧗‍♂️ Optional protection for adventure activities

Frequently Asked About Travel Insurance

What does Travel Insurance cover?

Travel insurance provides financial protection against unforeseen events that can disrupt your trip. It’s designed to cover costs associated with medical emergencies, trip cancellations or interruptions, lost or delayed baggage, and travel delays. 

It’s crucial to understand that pre-existing conditions are usually excluded from travel insurance policies. In essence, travel insurance acts as a safety net, mitigating the financial impact of unforeseen events that could disrupt your travel plans.

Covered*

Not Covered

What is 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.

Why do I need 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

What travel insurance should I get?

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

How much does travel insurance cost?

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. 

Can I buy travel insurance while traveling?

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.

Already bought your travel insurance?

Ready to Protect Your Trip?

Get covered in minutes with a plan built around your travel. Trusted by over 100,000 travelers worldwide.

Buy Before You Fly

Contact us if you are travelling in a group of more than 10 persons

International Travel Insurance, Travel Insurance

Manage your LUMA Travel Insurance

How to claim?

To submit a claim, please follow the link below. Please follow all instructions and submit all information and documents as indicated in the claims form.

What is the deadline to submit a claim?

LUMA Travel Insurance policy holders have up to 30 days after the expiry of their policy, to submit their claims. To claim under the “Personal Liability” section of the policy, the claims must be given within 15 days after the incident.  

What are the bank account information needed to receive a reimbursement of my claim?

Please inform on the below when sending the claim:
1. Account Holder Name :
2. Account Number :
3. Insured Address :
4. Telephone :
5. Bank Name and Branch:
6. Bank address :
7. SWIFT Code :
8. IBAN Code/ Routing Number (IBAN Code for European zone / Routing Number for American zone):
9. Currency :

Modify Certificate of Insurance (COI)

Modify Certificate of Insurance

To Modify your Travel Insurance Certificate, please fill out this form

Keep in mind that any changes are subject to the terms, conditions, and limits of your policy and plan. Modification requests can only be made before your policy begins.

How much is it to change details on my Certificate of Insurance (COI)?

For travelers who have purchased a LUMA Travel Insurance policy and who have not travelled yet; changes on the Certificate of Insurance (COI) are free of charge. 

Request Cancellation and Refund

For travelers who have purchased a LUMA Travel Insurance policy and who have not travelled yet; you can request to cancel your policy and ask for a refund. 

Please also note: the cancellation must be based on a reasonable reason, prior to the start date of the policy. 

Cancel your LUMA Travel Insurance policy and request a refund

To Request a Cancellation and Refund of your Travel Insurance Certificate, please fill out this form

Keep in mind that any cancellation are subject to the terms, conditions, and limits of your policy and plan. Cancellation and refund requests can only be made before your policy begins and provided no claims have been initiated.

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