Buy LUMA international travel insurance departing from Thailand and enjoy peace of mind.
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Foreign nationals living in Thailand should buy travel insurance for all trips out of the country, whether they’re on a short holiday or a trip to their home country.
Depending on your destination and the duration of the trip, your Thailand health insurance policy might not cover you for health issues or losses experienced while traveling.
This means you could be left with a huge bill if something goes wrong:
6,000 USD or more
The cost of a mountain rescue and treating a broken leg due to a hiking accident in Japan.
2000 to 4500 USD
Fees for an overnight stay in a South Korean hospital
20,000 to 100,000 USD
The cost of an air ambulance in China
LUMA insures a range of medical and travel expenses, leaving you to enjoy your trip abroad with peace of mind.
⚠️ You must purchase travel insurance before your trip—you cannot buy it once you have arrived at your destination.
If you travel abroad and something goes wrong, who do you turn to for assistance?
LUMA has a global network of English-speaking medical and support teams who can guide and advise you should you suffer injury, illness, or loss.
Plus, we’ll cover you for various associated expenses so that you can enjoy your trip worry-free.
High coverage
All our plans are designed to meet health and travel needs during your trip.
Available 24/7
We’re available around the clock to assist with urgent medical situations.
English-speaking medical team
Our in-house international medical team advises which hospital to go to and provides second medical opinions.
Meets Schengen visa requirements
For those traveling to Europe and needing a Schengen Visa. Medical expense coverage exceeds 30,000 EUR.
Learn more about LUMA’s partners and global presence.
Our affordable policies cover you for sickness, injury, and loss.
Medical expenses cover
Medical expenses insured up to 200,000 USD ~7,000,000 THB), including hospitalization and outpatient care.
Emergency evacuation and repatriation
Covers expenses relating to an approved emergency medical evacuation to a nearby facility in full.
Trip cancellation
Reimbursement of irrecoverable prepaid travel expenses up to 2,000 USD (~70,000 THB) per person.
Trip interruption
RReimbursement of up to 2,000 USD (69,232 THB) if your trip is cut short.
Lost baggage
Covers loss of personal effects or damage to baggage up to 700 USD (24,231 THB).
Our in-house medical team can support you during your overseas trip by offering medical referral advice and second medical opinions.
Dr. Gerard
Emergency Medicine, Aviation & Tropical Diseases
25 Years of Medical Experience
Nurse Kookkik
Registered Nurse
19 Years of Medical Experience
Dr. Kao
Health Care Management
General Practitioner
Dr. Thet
Internal Medicine & Rehabilitation Medicine
9 Years of Medical Experience
LUMA’s headquarters is in Bangkok, Thailand. We also have offices worldwide, including in:
This means we can support you with medical advice and travel support no matter where you are.
Our global partners help us provide insurance and services. They include:
Our travel insurance policies do not typically cover the following:
Details of what is not insured can be found in the exclusions sections of the travel insurance policy.
Many cosmetic treatments are cheaper in Thailand. This has made medical tourism popular in the country. However, our travel insurance does not cover these treatments. It only covers you for unforeseen medical expenses.
For medical emergencies, please go directly to the nearest hospital or call an ambulance. If you are a victim of crime, then contact the local police.
Once you are safe or receiving treatment, call LUMA at +6624943600.
Travel insurance is not mandatory in most countries. However, there are some exceptions, including:
You must also buy travel insurance coverage worth up to 30,000 EUR to qualify for a Schengen visa.
Our travel insurance from Thailand covers worldwide destinations. However, there are a few exceptions, including:
Requirements change frequently, so you should contact your destination country’s embassy to check whether travel insurance is mandatory.
However, we strongly recommend you have suitable travel insurance coverage even if it is not mandatory in the country you travel to.
That’s because your health insurance and other domestic policies might not cover you for medical expenses or losses incurred abroad.
Yes, all Schengen visa applicants must have travel insurance. The main requirement of this is to have comprehensive travel insurance that includes:
The minimum required coverage is €30,000. For more information visit our Schengen visa insurance page.
Yes, a Schengen visa requires a minimum of 30,000 EUR medical cover. LUMA travel insurance starts from 50,000 USD (47,374 EUR) medical cover, which exceeds this figure. Please double-check all requirements with your embassy before you submit your visa application.
The best travel insurance for travelers departing Thailand offers adequate protection for various travel and medical emergencies.
The best travel insurance for travelers from Thailand will also provide English-speaking medical and travel support, helping and advising you in an emergency.
LUMA offers several plan options to satisfy most budget and coverage requirements.
✅ Medical expenses: If you fall ill or get injured during your trip, you’ll have to pay medical expenses. It’s important to ensure you are insured for hospitalization and outpatient care.
✅ Emergency evacuation and repatriation: Some countries or areas may be unable to provide suitable care if you are injured or ill. Your travel insurance should cover evacuation to a nearby facility in full. It should also cover you if you need specialist care during the journey home.
✅ Trip cancellation: What if you get seriously ill before you travel and have to cancel your trip? If unforeseen events like this arise, your Thailand travel insurance should reimburse your pre-paid expenses.
✅ Trip interruption: Similarly, your Thailand travel insurance should also cover you if you are abroad and have to cut your trip short due to things like:
Unforeseen circumstances leading to flight delays of more than 6 hours or missing a connecting flight should also be insured.
✅ Lost baggage: Pickpocketing and bag theft are relatively common in some parts of the world—and losing possessions during transportation can happen anywhere. Therefore, lost baggage cover is critical.
The cost of travel insurance in Thailand varies based on your:
At LUMA, for example, a one-week trip for a single person departing from Thailand and traveling to Vietnam can cost between $16 (550 THB) and $54 (1855 THB), depending on the plan chosen.
Buying travel insurance for Thailand from LUMA is easy:
And that’s it! You can enjoy your trip knowing that medical and travel experts will be available to provide assistance in an emergency.
Crafted and Serviced by LUMA
Our goal is to be your companion for all things travel and we strive to make insurance easy, accessible and ethical.
With over three decades of expertise across a diverse range of insurance services, Baolong ensures your claims are covered.
Assistance by Europ Assistance
Europ Assistance is a leading assistance company with an international network ensuring a reliable support worldwide.
“LUMA World Pass” is the commercial name of the travel insurance policy insured by Bao Long Insurance Corporation, distributed globally by Luma International and serviced by Luma Care Co. Ltd.
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