What Happens If I Need Help During My Trip?

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.

How Do I Make A Claim While Traveling?

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

How Fast Can I Get Covered?

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.

Does LUMA Cover Medical Emergencies, Including COVID-19?

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

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

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.

Does LUMA Cover Adventure Or Sports Activities?

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

Your International Travel Insurance Specialist Offering Medical Cover, And Trip Protection.

100,000+ Trips Protected
Instant online purchase
Backed by medical guidance
190+ destinations

Man on a mountain image — We go above and beyond, so you can create memories for a lifetime, without worrying.

Our coverage isn’t just for hospital stays. Daycases, doctor visits, medications, we’ve got it all covered.

And with medical expense limits higher than most plans on the market, you’re in safe hands.

No Matter What Goes Wrong, Your Story Stays Good.

Real medical expertise
In-house doctors and Medipro professionals provide real medical guidance, from referrals to second opinions, based on the urgency and severity of each case.
Regionally - Savvy, Global Ready
On-the-ground teams across Southeast Asia and trusted global partners provide locally relevant, practical care so you’re never left navigating alone
10+ Years
Decade-long presence in Southeast Asia with deep-rooted networks, strong partnerships, and established processes to manage and care for any and all travel risks.
Global Partnerships
Collaborations with top insurers and medical providers ensure comprehensive, reliable protection and assistance, anywhere in the world.

Hear real stories from real travellers

"Super easy and reliable travel insurance! ⭐, I used LUMA for my trip around Vietnam, Thailand, Japan and Southeast Asia — everything was done online in just a few clicks. Got my policy instantly, no long forms or waiting.What I really liked is that it covers not just regular travel stuff, but also health issues and motorcycle accidents — which is a big plus if you’re riding motorcycles around in SEA."
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Clara M.
"Perfect for traveling in Asia. One issue in Phnom Penh with my eyes, LUMA and his staff was particularly efficient and took care of me."
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Jérôme C.
"I recently buy travel insurance from LUMA when I travel overseas because it’s easy to buy and pay on website. It took only 5 minutes! And the price is reasonable so will definitely buy it again!"
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Methawee M.
"Agents are really helpful in answering all my questions about the insurance coverage for my son. The processing is also fast as well as customer service if you need any assistance."
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Ian P.
"In Thailand, I had an infection and needed an operation. Luma’s insurance paid for everything without any problems."
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Eldar C.