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Luma go travel insurance

Travel Insurance Departing from Thailand

Best travel insurance for trips departing from Thailand

LUMA GO, LUMA GO

Sickness

No Waiting Period

No waiting period

LUMA GO, LUMA GO

Evacuation

Covers more than just Covid-19

Covers Covid-19

LUMA GO, LUMA GO

Baggage Protection

LUMA GO, LUMA GO

Flight Delay

LUMA GO, LUMA GO

Trip Cancellation

*Premium calculated from 1 week of coverage

Travel Insurance in Thailand

Planning a trip? Explore LUMA GO Travel Insurance plans for trips departing from Thailand. 

LUMA GO HIGHLIGHTS

WHO IS IT FOR

BROUGHT TO YOU BY LUMA

Plan LITE

1,000,000 THB

Cover

199 THB for 1 week

Medical expenses while abroad Coverage amount up to 1,000,000 baht:
Fees for surgery, ambulance, medicine, examination, room, food, medical treatment.

 

Personal accident coverage up to 1,000,000 baht

24 hour global emergency assistance

Good news, COVID insurance is included in your insurance.

Emergency Medical Evacuation:
To the nearest medical facility that can provide adequate medical care.

 

Repatriation to Thailand:
Repatriation to the country of origin when the company and the attending physician deem it necessary.

 

Expenses for repatriation of corpses or ashes:
Transportation costs for repatriation of corpses to the country of origin, up to 1,000,000 baht.

Plan 1

วีซ่าเชงเก้น

2,000,000 THB

Cover

299 THB for 1 week

Medical expenses while abroad Coverage amount up to 2,000,000 baht:
Fees for surgery, ambulance, medicine, examination, room, food, medical treatment.

Personal accident coverage up to 2,000,000 baht

24 hour global emergency assistance

Good news, COVID insurance is included in your insurance.

Emergency Medical Evacuation:
To the nearest medical facility that can provide adequate medical care.

 

Repatriation to Thailand:
Repatriation to the country of origin when the company and the attending physician deem it necessary.

 

Expenses for repatriation of corpses or ashes:
Transportation costs for repatriation of corpses to the country of origin, up to 1,500,000 baht.

Plan 2

วีซ่าเชงเก้น

4,000,000 THB

Cover

469 THB for 1 week

Medical expenses while abroad Coverage amount up to 3,000,000 baht:
Fees for surgery, ambulance, medicine, examination, room, food, medical treatment.

 

Personal accident coverage up to 3,000,000 baht

24 hour global emergency assistance with daily benefit for hospitalization as an inpatient (1,000 baht / day) up to 20,000 baht

Good news, COVID insurance is included in your insurance.

Emergency Medical Evacuation:
To the nearest medical facility that can provide adequate medical care.

 

Repatriation to Thailand:
Repatriation to the country of origin when the company and the attending physician deem it necessary.

 

Expenses for repatriation of corpses or ashes:
Transportation costs for repatriation of corpses to the country of origin, up to 1,500,000 baht.

Loss or Damage of Personal Effects:
In case of loss, accident, theft, burglary, theft or mishandling of Baggage or personal items is covered up to 30,000 baht.

 

Compensation for baggage delay up to 20,000 baht:
Essential toiletries and clothing. Baggage is delayed by at least 6 hours from the time of arrival in the eligible country within the coverage area.

 

Loss of travel documents up to 10,000 baht:
Expenses covered for applying for a replacement of passport, air ticket, travel and lodging expenses arising from theft, burglary, robbery and accidental loss.

 

Loss of personal funds, up to 5,000 baht:
Loss of cash or traveler’s checks caused by theft, burglary or theft. A police report is required.

Plan 3

วีซ่าเชงเก้น

5,000,000 THB

Cover

599 THB for 1 week

Medical expenses while abroad Coverage amount up to 5,000,000 baht:
Fees for surgery, ambulance, medicine, examination, room, food, medical treatment.

Personal accident coverage up to 5,000,000 baht

24 hour global emergency assistance with daily benefit for hospitalization as an inpatient (1,000 baht / day) up to 30,000 baht

Good news, COVID insurance is included in your insurance.

Emergency Medical Evacuation:
To the nearest medical facility that can provide adequate medical care.

 

Repatriation to Thailand:
Repatriation to the country of origin when the company and the attending physician deem it necessary.

 

Expenses for repatriation of corpses or ashes:
Transportation costs for repatriation of corpses to the country of origin, up to 2,000,000 baht.

Loss or Damage of Personal Effects:
In case of loss, accident, theft, burglary, theft or mishandling of Baggage or personal items is covered up to 50,000 baht.

 

Compensation for baggage delay up to 25,000 baht:
Essential toiletries and clothing. Baggage is delayed by at least 6 hours from the time of arrival in the eligible country within the coverage area.

 

Loss of travel documents up to 30,000 baht:
Expenses covered for applying for a replacement of passport, air ticket, travel and lodging expenses arising from theft, burglary, robbery and accidental loss.

 

Loss of personal funds, up to 15,000 baht:
Loss of cash or traveler’s checks caused by theft, burglary or theft. A police report is required.

 

Loss or damage to property within the residence (Home Protection) up to 100,000 baht.

*Premium calculated from 1 week of coverage

Travel Insurance in Thailand
Coverage Details

ความคุ้มครอง (Coverage) Plan Lite Plan 1 Plan 2 Plan 3
ผลประโยชน์การเสียชีวิต การสูญเสียอวัยวะ สายตา หรือทุพพลภาพถาวรสิ้นเชิงเนื่องจากอุบัติเหตุ (Loss of Life, Dismemberment, Loss of Sight or Total Permanent Disability due to accident) THB 1,000,000 THB 2,000,000 THB 3,000,000 THB 5,000,000
ค่ารักษาพยาบาลขณะอยู่ต่างประเทศ (Medical Expense Incurred in Overseas) THB 1,000,000 THB 2,000,000 THB 3,000,000 THB 5,000,000
การเคลื่อนย้ายเพื่อการรักษาพยาบาลฉุกเฉินและการเคลื่อนย้ายกลับประเทศไทย (Emergency Medical Evacuation and Repatriation) THB 1,000,000 THB 1,500,000 THB 3,000,000 THB 5,000,000
การช่วยเหลือฉุกเฉินทั่วโลก 24 ชม. (24 Hours Worldwide Travel Assistant Services) Paid in full Paid in full Paid in full Paid in full
ค่าใช้จ่ายในการส่งศพหรืออัฐกลับประเทศภูมิลำเนา (Repatriation of Mortal Remains) THB 1,000,000 THB 1,500,000 THB 1,500,000 THB 2,000,000
ผลประโยชน์รายวันสำหรับการรักษาตัวในโรงพยาบาลในฐานะผู้ป่วยใน (1,000 บาท / วัน) สูงสุด (Hospital Confinement Benefit (1,000/Day) Max.) - - THB 20,000 THB 30,000
Health2Go - - Paid in full Paid in full
ค่าใช้จ่ายการเลื่อนหรือบอกเลิกการเดินทาง (Trip Cancellation or Postponement) - - THB 50,000 THB 100,000
ค่าใช้จ่ายชดเชยความล่าช้าในการเดินทาง (Travel Delay) - - THB 50,000 (10,000 / 6 Hrs.) THB 50,000 (10,000 / 6 Hrs.)
ค่าใช้จ่ายชดเชยการพลาดการต่อเที่ยวบิน (Missed Connection Flight) - - THB 30,000 (6,000 / 6 Hrs.) THB 50,000 (10,000 / 6 Hrs.)
ค่าใช้จ่ายในการลดจำนวนวันเดินทาง (Trip Curtailment Expenses) - - THB 30,000 THB 50,000
ความสูญเสียหรือเสียหายของกระเป๋าเดินทางและทรัพย์สินส่วนตัว (Damage or Loss of Baggage or Personal Effects) (ผู้เอาประกันภัยรับผิดชอบความเสียหายส่วนแรก 600 บาท) - - THB 30,000 THB 50,000
การสูญเสียหรือความเสียหายของกระเป๋าเดินทาง ทรัพย์สิน รวมถึงคอมพิวเตอร์โน้ตบุ๊คอันเนื่องมาจากภัยธรรมชาติ (Damage or Loss of Baggage, Property including Computer Notebook Arising from Natural Disasters) (ผู้เอาประกันภัยรับผิดชอบความเสียหายส่วนแรก 600 บาท) - - THB 25,000 THB 30,000
ค่าใช้จ่ายชดเชยการล่าช้าของกระเป๋าเดินทาง (Baggage Delay) - - THB 20,000 (4,000 / 6 Hrs.) THB 25,000 (5,000 / 6 Hrs.)
การสูญหายของเอกสารการเดินทาง (Loss of Travel Document) - - THB 10,000 THB 30,000
การสูญหายของบัตรเครดิต (Loss of Credit Card) - - THB 5,000 THB 10,000
การสูญหายของเงินส่วนตัว (Loss of Personal Money) (ผู้เอาประกันภัยรับผิดชอบความเสียหายส่วนแรก 600 บาท) - - THB 5,000 THB 15,000
การสูญเสียหรือความเสียหายของทรัพย์สินภายในที่อยู่อาศัย (Home Protection) - - - THB 100,000
ค่าใช้จ่ายในการเดินทางเพื่อเยี่ยมผู้ป่วยที่โรงพยาบาล (Hospital Visitation) - - THB 100,000 THB 300,000
ค่ารักษาพยาบาลในประเทศไทย (Medical Expense Incurred in Thailand) - - THB 300,000 THB 500,000
ความรับผิดต่อบุคคลภายนอก (Personal Liability) (ผู้เอาประกันภัยรับผิดชอบความเสียหายส่วนแรก 1,000 บาท) - - THB 3,000,000 THB 5,000,000
ความรับผิดส่วนแรกสำหรับรถเช่า (Rental Vehicle Excess) - - THB 10,000 THB 30,000

Eligibility:

  • Applicants must be between 1-85 years old. ​
  • This travel insurance is available to Thai nationals or foreigners residing in Thailand. 
  • 1 person cannot apply for more than one policy with Tune per coverage period.​
  • The Insurer reserves the right not to accept applications for those who work in high-risk locations such as high-rise buildings, oil or gas rigs, underground mines, or workers in construction, fishery, fruit picking, or heavy machinery.​
  • Applicants must be in good health.​
  • The applicant gives consent and authorization to the Insurer to disclose information to medical facilities including hospitals and clinics and to the Office of Insurance Commission.​

 

Single Trip Coverage​:

  • This insurance needs to be purchased no later than 1 hour before departure from Thailand.​
  • This insurance is available for purchase up to 8 months in advance before the effective start date. 

 

Annual Trip Coverage:

  • Each trip shall not exceed 180 days.
  • The coverage duration cannot be extended.​
  • In case the insurance purchase date is the same than the effective start date, the policy will begin only once the premium payment was made.​

 

Policy cancellation:

  • Single Trip Coverage – There is no refund possible for policies already issued unless the Insured has not been granted a visa. 
  • Annual Trip Coverage – Policy Cancellation is possible according to the Terms and Conditions of the policy. ​

 

Policy holders eligible to Health2Go service are entitled to one session per policy period that can be used the following day after having received the Policy. ​
Excluded countries: Afghanistan, Azerbaijan, Cuba, Iran, Iraq, Israel, Kyrgyzstan, Lebanon, Libya, Nepal, Nicaragua, North Korea, Pakistan, Palestine, Syria, Tajikistan, Turkmenistan, Uzbekistan

*Premium calculated from 1 week of coverage

Contact LUMA for more information

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FAQ - LUMA GO

About LUMA GO coverage

The Travel Insurance Policy excludes the following countries from coverage: Afghanistan, Azerbaijan, Cuba, Iran, Iraq, Israel, Kyrgyzstan, Lebanon, Libya, Nepal, Nicaragua, North Korea, Pakistan, Palestine, Syria, Russia, Tajikistan, Turkmenistan, Ukraine, Uzbekistan.

Yes, foreigners are eligible to LUMA GO travel insurance as long as they reside in Thailand. The country of departure can only be Thailand. 

How to Claim with LUMA GO

To submit a claim, please follow the link below. You will be redirected to Tune Protect website. Please select “Travel Insurance” and the type of claim you wish to submit.

Modify Policy
Cancel and Refund Policy

“LUMA GO” is the commercial name of the travel insurance policy designed by LUMA and insured by Tune Protect.