Question 1

When Should I Buy Travel Insurance?

Accepted Answer

Always buy before you leave your home country. Once you've already arrived at your destination, it's too late to get covered.

Question 2

What Happens If I Need Help During My Trip?

Accepted Answer

If you face a medical emergency, always contact local emergency services (such as an ambulance or the nearest hospital) first.
Once you are safe and receiving care, contact LUMA to notify us, arrange a Letter of Guarantee, or get support with your claim. Your policy email includes our assistance contact details.

Question 3

How Do I Make A Claim While Traveling?

Accepted Answer

Its simple to submit online with your documents. Just follow the instructions in your policy email or visit the Claims page.

Question 4

How Fast Can I Get Covered?

Accepted Answer

You can get insured in just a few minutes online. Your policy must be bought before your trip starts, and your medical coverage begins when you arrive at your destination.

Question 5

Does LUMA Cover Medical Emergencies, Including COVID-19?

Accepted Answer

Yes. All plans include coverage for emergency medical treatment abroad, including COVID-19, within the policy limits.

Question 6

Can I Extend My Policy If I Decide To Stay Longer?

Accepted Answer

Yes. You can extend before your policy expires, as long as you’re not under medical treatment and your total trip is less than 180 days.

Question 7

Does LUMA Cover Adventure Or Sports Activities?

Accepted Answer

Yes, many leisure and sports activities such as snorkelling, kayaking, or skiing are covered. Professional or extreme sports are not included.

LUMA International Travel Insurance