Important notes:
This page is an overview of what LUMA travel insurance covers, not the full policy. For complete terms, limits and exclusions, refer to the policy wording of the plan.
What LUMA Travel Insurance Covers
LUMA travel insurance is built around fast access to medical care when something goes wrong abroad, plus cover for the everyday things that can derail a trip.
Here's a plain-English rundown of what's included. Limits and exact terms depend on your plan, so check your plan page before you buy.
Medical care abroad
Up to US$1.2 million.
Doctor visits, hospital stays and prescribed medicine are covered if you get sick or hurt on your trip.
Included.
Covers getting you to better medical care, or home for further treatment, if you need it.
Included.
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.
If you catch COVID-19 during your trip, it's covered the same way as any other illness.
When plans change
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.
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.
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.
Backed up, wherever you are
Included.
Covers checked baggage that's lost or damaged in transit.
Included.
Covers essentials you need to buy while your bags catch up with you.
Included.
Covers the cost of replacing your passport or other essential documents.
Included.
Covers money that's stolen while you're travelling.
Included.
Covers you if you accidentally hurt someone or damage their property.
Included.
Round-the-clock support, wherever your trip takes you.
Included.
We arrange to pay the hospital directly wherever we can, so you're not left covering the bill upfront.
Included.
Covers a visit from a family member, or getting a child travelling with you home safely, if you're seriously sick or hurt abroad.
Choose your plan
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.
FAQ
Your medical cover begins once you've cleared immigration at your destination. If your trip includes multiple stops, cover applies from immigration clearance at each new destination, not from departure.
It depends on your trip and your age. LUMA Travel Pass covers travellers up to age 80; LUMA Asia Pass and LUMA World Pass cover up to age 75.
Ready to explore the world with confidence?
