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International travel insurance insured by Rock Mutual Insurance. Emergency assistance by Swan International Assistance.
Multi-destination and multi-trip coverage for international travel.
Serviced by reputable insurers and assistance companies, with LUMA teams present across Asia and Europe — so you're never far from help.
Choose from plans ranging from USD 50,000 to USD 1,000,000 in medical cover — designed to fit your trip, your destination, and your budget.
LUMA Travel Pass is a travel insurance policy designed for international travelers of all nationalities. It covers emergency medical expenses, evacuation and repatriation, personal accident, baggage, trip cancellation, and more — depending on the plan selected. The policy runs for a single trip or multiple trips, up to 180 consecutive days. It is available to travellers aged up to 80 years, for leisure travel, business travel, or short educational stays.
Download the full table of benefits and policy wording for LUMA Travel Pass Travel Insurance.
“LUMA Travel Pass” is the commercial name of the travel insurance policy insured by Rock Mutual and distributed globally by LUMA International.
LUMA Travel Pass covers emergency medical expenses, evacuation and repatriation, personal accident, baggage, trip cancellation, and more — depending on the plan you choose. Pre-existing conditions and war-related events are not covered. See the Table of Benefits and Policy Wording for full details.
LUMA Travel Pass covers trips up to 180 consecutive days. The policy must start within 120 days of the purchase date.
Yes — LUMA Travel Pass can be purchased for a single trip or for multiple trips, as long as the total duration does not exceed 180 consecutive days.
Applicants must be between 4 weeks and 80 years old at the time of purchase. Children under 7 must be accompanied by an insured adult. Note that deductibles apply for travelers aged 71 and above.
No — LUMA Travel Pass does not cover pre-existing medical conditions. This includes any illness, injury, or condition that existed before the policy start date, whether or not it had been formally diagnosed. Please refer to the Policy Wording for the full definition and exclusions.
Yes — LUMA Travel Pass includes coverage for emergency medical expenses due to COVID-19, up to the limit stated in your selected plan. Please refer to the Table of Benefits and Policy Wording for the exact scope of coverage. Feel free to contact us if you have any questions.
In case of a serious illness or accident, always call Swan International Assistance immediately using the 24/7 emergency number in your policy. They will guide you on what to do and may be able to coordinate payment directly with the hospital, depending on the situation. If you don't contact them first, you may need to pay out of pocket and request reimbursement.
LUMA Travel Pass is designed for unexpected events. It does not cover:
Please refer to the General Exclusions section in your Policy Wording for the full list.
Yes — if your trip hasn't started and coverage hasn't begun, you can cancel your policy and request a full refund. Once the policy has started, it becomes non-refundable, even if unused.
If your travel dates have changed before your trip has started, please contact us as soon as possible to update your policy. Changes requested after the policy start date may not be possible. Reach out to our team and we'll do our best to help.
The Table of Benefits is only a summary of benefits and does not include full terms, conditions and exclusions. Sub-limits may also apply. Please read the Policy Wording before buying a travel insurance policy to ensure the policy suits your needs. The policy must be bought before your trip starts. Events that were anticipated at the point of purchase will not be covered.
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