What LUMA TRAVEL INSURANCE Covers?
LUMA TRAVEL is built around fast access to medical care when something goes wrong abroad, plus cover for the everyday things that can disrupt a trip. It covers medical care abroad, what happens when plans change, your belongings, and the 24/7 support that comes with every policy.
These are the highlights only. Benefits, limits and availability vary by product, so check your plan page before you buy.
To cover almost any route, LUMA TRAVEL curates a set of products, each matched automatically to your trip based on where you're going. See how LUMA TRAVEL's products work, or check the FAQ for quick answers to what we hear most.
Medical Care Abroad
- Up to US$1 million
Medical care while you travel
Doctor visits, hospital stays and prescribed medicine are covered if you get sick or hurt on your trip.
- Included
Emergency evacuation and getting you home
Covers getting you to better medical care, or home for further treatment, if you need it.
- Included
Cover for permanent injury or death
A cash payout if an accident leaves you permanently disabled, such as losing a limb or your eyesight, or leads to your death while travelling.
- Included
COVID-19 cover
If you catch COVID-19 during your trip, it's covered the same way as any other illness.
When Plans Change
- Included
Trip cancellation
Covers the deposits and costs you lose if you have to cancel before you leave for a covered reason, such as sudden illness or injury.
- Included
Cutting your trip short
Covers the cost of ending your trip early and getting home if you, a family member or a travel companion falls seriously ill, gets hurt, or passes away.
- Included
Flight delays
Pays out if your flight's delayed for reasons outside your control, like very bad weather or a technical fault; either a fixed cash amount per delay, or your costs back.
Your Belongings
- Included
Lost or damaged baggage
Covers checked baggage that's lost or damaged in transit.
- Included
Delayed baggage
Covers essentials you need to buy while your bags catch up with you.
- Included
Lost passport and documents
Covers the cost of replacing your passport or other essential documents.
- Included
Lost cash
Covers money that's stolen while you're travelling.
- Included
Accidental damage to others
Covers you if you accidentally hurt someone or damage their property.
LUMA TRAVEL insurance products
Depending on your trip's route, your policy falls under one of LUMA TRAVEL's travel insurance products, each with its own coverage limits and policy wording, underwritten by one of LUMA TRAVEL's insurance partners. This is what lets us insure travel between almost any two countries.
You don't choose which product applies to your trip. It's assigned automatically based on your route when you get a quote. What you do choose is a plan tier within that product, which sets your coverage limits. You'll see which product and plan apply to your trip when you get your quote, and it's confirmed in your confirmation email once you purchase.
Coverage and policy wording can vary by product, so check the resources below to see the details for the product that applies to your trip.
ASIA PASS
LUMA Asia Pass
For trips to Asia, regional cover and multi-trips up to 180 days.
Insured by Bao Long Insurance, assistance by Europ Assistance.LUMA World Pass
Designed for trips departing from Southeast Asia up to 180 days.
Insured by Bao Long Insurance, assistance by Europ Assistance.LUMA Travel Pass
For trips from outside Asia to non-Asian destinations up to 180 days.
Insured by Rock Mutual Insurance, assistance by Swan International Assistance.
Got questions? We’ve got answers.
LUMA TRAVEL covers the essentials for any trip: medical care abroad, changes to your travel plans, and everyday travel mishaps. You can also add optional add-ons, such as cover for equipment or specific activities, for extra protection.
LUMA TRAVEL's insurance plans are designed to cover the unexpected while you're away from your home country. Pre-existing medical conditions are not covered. For the full extent of what is and isn't covered, refer to the policy wording for your plan.
They cover travellers from 4 weeks old up to age 75, though some products, such as LUMA Travel Pass, cover up to age 80.
Yes, as long as it hasn't started yet. Contact our team with your request.
Your medical cover begins once you've cleared immigration at your first covered destination. If you're already at your destination when your policy starts, that time isn't covered.
LUMA TRAVEL matches the right product to your trip automatically, based on your departure and destination, when you get a quote. You don't need to work it out yourself.
You'll see which product and plan apply to your trip when you get your quote, and it's confirmed in your confirmation email once you purchase. If you can't find your documents, use Change my policy to get in touch and we'll help you track them down.
Want to check coverage for a specific trip?
Choose your destination, travel dates, and get the right LUMA plan for your journey.
