Travel Insurance for Asia

LUMA Asia Pass travel insurance to Asia

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Trusted by 100,000+ Travelers

Europ Assistance

Evacuation & Repatriation

LUMA Asia Pass
travel insurance asia, LUMA Asia Pass

Ultimate Worry-Free
Travel Insurance for Asia

Highest Coverage for Medical Expenses, Emergency Evacuation and Repatriation.
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24/7 Support
from International Experts

Serviced by LUMA international teams.
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Tailored to match your travel requirements

Coverage benefits designed to protect you in Asia.

Travel Insurance Benefits Highlights

Medical Expenses

Medical Expenses

200,000 USD to UNLIMITED Coverage

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Emergency Evacuation

UNLIMITED Coverage

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Repatriation

UNLIMITED Coverage

trip cancellation

Trip Cancellation

Covered Up to 5,000 USD

trip interruption

Trip Interruption

Covered Up to 5,000 USD

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Lost Baggage

Covered Up to 1,500 USD

LUMA Asia Pass Coverage

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Medical Evacuation & Repatriation is
UNLIMITED

Medical Expenses

Medical Expenses up to UNLIMITED

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Trip Cancellation up to
5,000 USD

luma asia pass benefits

LUMA Asia Pass Travel Insurance Reviews

Jeremiah Ell
Jeremiah Ell
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I went to the Luma office in need of travel insurance for a trip in Southeast Asia. I met Clara who walked me thru the travel insurance details and different options available. She was familiar with all aspects of the policy and was able to answer my questions. Reccomended 😇
Suneet Maheshwari
Suneet Maheshwari
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Most happy with prompt response of Luma's insurance team online. Specifically I would like to mention the name of Mr Nattawut Promkerd
Stephen Roberts
Stephen Roberts
Read More
After looking at many other companies, I decided to use Luma. Excellent product options and value for money. The staff explained my product options to me and were always helpful. Answering my questions promptly. The overall service was excellent.

LUMA Teams at Your Service

24/7 Hotline

A multilingual emergency hotline is available every day, around the clock, to assist with your urgent situations.

MediPro Team

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Dr. Gerard

Emergency Medicine, Aviation & Tropical Diseases

25 Years of Medical Experience

Nurse Kookkik

Nurse Kookkik

Registered Nurse

19 Years of Medical Experience

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Dr. Kao

Health Care Management

General Practitioner

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Dr. Thet

Internal Medicine & Rehabilitation Medicine

9 Years of Medical Experience

Travel Insurance Benefits

Medical Benefits Explained

Medical Expenses

Medical Expenses

The LUMA Asia Pass extends coverage to both inpatient and outpatient treatments across Asia for covered conditions. It's important to adhere to standard practices, and all costs must be reasonable. For information on necessary documents for claims, please consult the policy guidelines.

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Emergency Evacuation

In case of Serious Injury or Illness requiring immediate treatment, and if local medical facilities are insufficient in the broader Asian region, our coverage includes emergency evacuation. The evacuation will be arranged to the nearest suitable facility using the most effective mode of transportation capable of providing necessary medical care. Please note that only the Insurer and/or the Assistance Company can coordinate the evacuation.

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Repatriation

After an Emergency Evacuation, assistance with repatriation can be provided if necessary. Please note that the decision and coordination of repatriation are the exclusive responsibility of the Insurer and/or the Assistance Company.

motor bike accident coverage

Motorbike Accidents

This travel insurance policy extends coverage to include motorbike accidents for both riders and passengers in Asia. To qualify for this protection, individuals must wear a helmet, comply with local regulations, and hold the necessary license to operate or rent the motorbike.

Travel Benefits Explained

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Trip Cancellation

Ensure your trip across Asia stays on course. With our Trip Cancellation coverage, you are protected against losing deposits or facing additional expenses due to unexpected events like illness, emergencies, or natural disasters. You can cancel or shorten your trip and get reimbursed for unused expenses. Coverage for this benefit starts from the policy issue date until the departure date specified in the itinerary.

trip interruption

Trip Interruption

Should your trip be cut short due to reasons such as illness, emergencies, or natural disasters, rest assured you'll be reimbursed for the unused portion of your travel expenses. Whether it involves returning home sooner or arranging alternative accommodations, our coverage provides peace of mind, allowing you to fully enjoy your travels across Asia without worry.

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Flight Delay

If your flight experiences delays due to factors like adverse weather, strikes, or technical issues outside your home country and beyond your control, this travel insurance provides coverage across Asia. You are entitled to compensation for every full 6-hour delay, up to the specified policy limit. To qualify, the delay must exceed 6 hours and not be due to failure to check in or reconfirm on time. Obtain official documentation from the airline detailing the cause, date, time, and duration of the delay. Please note that this coverage excludes issues existing at the policy’s commencement or problems caused by government authorities.

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Baggage Delay

If your luggage is temporarily lost upon arrival in Asia for at least 6 hours, this travel insurance provides coverage for emergency purchases of essential toiletries and clothing. The delay should not result from customs or government officials, and you must submit documentation, including original purchase receipts.

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Lost Baggage

This Travel Insurance across Asia offers compensation for loss, breakage, or damage caused directly by theft, robbery, burglary, accidents, or mishandling by carriers during the insured person’s journey. To qualify for coverage, the loss must be reported to local authorities or carriers within 24 hours. It’s important to note that this benefit does not cover loss or damage due to delay, confiscation, wear and tear, or loss of specific items like cash, electronics, fragile articles, and more. For comprehensive details and exclusions, please consult the policy.

Please note: The term “Asia” as mentioned on this page and travel insurance policy refers specifically to the countries explicitly listed and covered within the policy documentation.

Claims arising from services and treatments at (KUTA Emergency Clinic on Jl. Raya Kuta Mong II Desa Kab., Kuta, Lombok Tengah, Indonesia) will not be covered under this policy.

Any trekking or mountain climbing activities in Nepal are excluded from coverage under this policy.

FAQ - LUMA Asia Pass

LUMA Asia Pass Coverage

Does the policy cover only COVID-19 or other illnesses as well?

The policy covers medical expenses for sudden and unforeseeable injuries from accident and sickness (including COVID-19) during the travel to the country within the zone of coverage.

Do these travel insurance plans have direct billing to the hospitals?

There is no direct billing in respect of medical expenses provided under this Policy unless the expenses are expected to exceed 1,000 USD and that the arrangement is coordinated by the Company or its designated assistance company.

What are the exclusions?
  • Pre-existing Illness or Injury, congenital conditions or birth defects.
  • The following Disabilities whether occurring prior to or during the Period of Insurance: hemorrhoids, hernia, diseased tonsils requiring surgery, pathological abnormalities of nasal septum or turbinate, hyperthyroidism, cataracts, sinus conditions requiring surgery, endometriosis, tuberculosis, anal fistulae, cholecystitis, calculi of all kinds, urethra or bladder abnormalities or disease, gastric or duodenal ulcer, hallux valgus, all forms of tumors or cancer, malignancies, disorders of blood or bone marrow, diabetes mellitus and HIV (human immunodeficiency virus) and HIV related illness including AIDS (Acquired Immunity Deficiency Syndrome) and AIDS related conditions.
  • War, invasion, act of foreign enemy, hostilities or warlike operations (whether war be declared or not), civil war, military rising, insurrection, rebellion, revolution, military or usurped power, martial law, mutiny or riot or civil commotion assuming the proportions of or amounting to a popular rising.
  • Acts of terrorism or action taken in controlling, preventing, suppressing or in any way relating to any act of terrorism, regardless of any other cause or event contributing concurrently or in any other sequence of the loss. An act of terrorism means an act – whether involving violence or the use of force or not – or the threat or the preparation thereof, of any person or group(s) of persons – whether acting alone or on behalf of or in connection with any organization(s) or government(s) – which appears to be intended to intimidate or influence a de jure or de facto government or the public or a section of the public, or disrupt any segment of the economy and from its nature or context is done in connection with political, social, religious, ideological or similar causes or objectives.
  • Suicide, attempted suicide or intentional self-inflicted bodily injuries, psychiatric and mental disorders, insanity, abortion, miscarriage, child birth, venereal disease, the use of alcohol, drugs or solvents other than those prescribed by a qualified registered physician; dental treatment unless resulting from accidental bodily injury to sound and natural teeth.
  • Nuclear fission, nuclear fusion or radioactive contamination.
  • Accidents whilst engaging in (including any practice or conditioning program for) any sports or games in a professional capacity or organized contact sports, racing (other than on foot), motor rallies and competitions, rock or mountain climbing normally involving the use of ropes or other equipment, potholing, skydiving, hang gliding, parachuting, hunting on horseback, entering/ descending or flying in any aircraft other than a properly licensed aircraft operated by a recognized airline in which the Insured Person is traveling as a fare-paying passenger, engaging in any kind of manual labor work either in business or leisure, or engaging in hazardous works including but not limited to offshore activities, commercial diving, oil well drilling, mining, handling of explosive, construction site working, stunt works and aerial photography.
  • Trekking at an altitude limit greater than 5,000 meters above sea level or scuba diving. Trekking and mountain climbing activities in Nepal are excluded from this policy.
  • Losses which are indirect and consequential in nature.
  • Claims arising from services and treatments at (KUTA Emergency Clinic on Jl. Raya Kuta Mong II Desa Kab., Kuta, Lombok Tengah, Indonesia) will not be covered under this policy
My travel plans changed, can I change the dates on the policy?

If you would like to change the start and end dates of your LUMA Asia Pass policy, please contact our teams. 

Please note: the former plan duration and the new revised plan duration should remain within the same range. If not, we invite you to cancel the existing policy and purchase a new one with the correct dates.

Can I change details on my Certificate of Insurance (COI)?

If you have purchased your policy but have not travelled yet you can make a request to change details on the Certificate of Insurance (COI).

Please contact our teams to do so.

LUMA Asia Pass Application

What does “Beneficiary” mean?

A beneficiary is the person or entity you name in an insurance policy to receive the death benefit (example: wife, husband, father, mother, son or daughter).

Can children apply for LUMA Asia Pass?

Children aged at least 4 weeks are eligible to apply for LUMA Asia Pass.

Children under the age of 7 years must be accompanied by an adult who is also insured under the same Policy.

LUMA Asia Pass Claims

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.

In case of emergency, who can I contact?

For emergencies, please call Luma at +6624943600. 

What is the deadline to submit a claim under LUMA Asia Pass?

LUMA Asia Pass 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.  

Can the claim reimbursement be paid into a local Asian account or also paid into the client’s account in their home country?

Both. 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)

To change of any of the following:

Modify Certificate of Insurance



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

For travelers who have purchased a policy with LUMA Asia Pass 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 policy with LUMA Asia Pass 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.