Question 1

What does LUMA Asia Pass cover?

Accepted Answer

LUMA Asia Pass covers emergency medical expenses, evacuation and repatriation, personal accident, baggage, trip cancellation, and more across 25 destinations in Asia — depending on the plan you choose. Note that pre-existing conditions and events resulting of war are not covered. See the Table of Benefits and Policy Wording for full details.

Question 2

How long can I be covered for?

Accepted Answer

LUMA Asia Pass covers single trips or multiple trips up to a maximum of 180 consecutive calendar days. You can extend with no coverage gap, but total combined coverage cannot exceed 180 days.

Question 3

Can I buy LUMA Asia Pass for multiple trips?

Accepted Answer

Yes. The policy is designed for regional and multi-trip cover within Asia, making it suitable for expats and frequent travelers who make multiple short trips across the region.

Question 4

What is the age limit?

Accepted Answer

Applicants must be between 4 weeks and 75 years old at the time of purchase. Children under 7 must be accompanied by an insured adult.

Question 5

Are pre-existing conditions covered?

Accepted Answer

No. LUMA Asia Pass does not cover pre-existing medical conditions, nor any event or condition that occurred before the policy start date.

Question 6

Does LUMA Asia Pass cover COVID-19?

Accepted Answer

Coverage for COVID-19 depends on the specific policy terms in effect at the time of purchase. As a general principle, LUMA Asia Pass covers sudden and unforeseen illness — however, if COVID-19 was a known or anticipated risk at the time you purchased the policy (for example, an active travel advisory was in place), it may not be covered. Please read the full Policy Wording carefully and contact the LUMA team if you have questions about your specific situation.

Question 7

Does LUMA Asia Pass offer direct billing at hospitals?

Accepted Answer

Direct billing is available, but only when medical expenses are expected to exceed USD 1,000 and the arrangement is coordinated in advance by LUMA. For smaller expenses, you will need to pay out of pocket and submit a reimbursement claim.

Question 8

What is not covered by LUMA Asia Pass?

Accepted Answer

Key exclusions include pre-existing conditions, pregnancy, mental health conditions, dental treatment (unless from accidental injury), alcohol or drug-related incidents, hazardous and extreme sports, manual labour, and war or terrorism.  A full list of exclusions is set out in the Policy Wording — we strongly recommend reading it before purchasing.

Question 9

My travel plans have changed — can I update the dates on my policy?

Accepted Answer

Submit a request via the "Change my policy" form on this website or contact our Customer Service Team. Changes must be requested before your policy start date. The policy cannot be cancelled and premiums are non-refundable once issued.

Question 10

Can I make changes to my Certificate of Insurance (COI)?

Accepted Answer

Certain details on your Certificate of Insurance — such as a name correction or destination update — may be amendable before your trip starts. Submit your request using the "Change my policy" form on lumatravel.com or contact our Customer Service Team who will advise whether the change is possible and whether any difference in premium applies.

Question 11

Does LUMA Asia Pass cover my luggage?

Accepted Answer

No. Damage to your suitcase, trunk, or luggage itself is not covered. Please note that luggage refers to the container, while baggage refers to your personal belongings inside. Refer to the Table of Benefits and Policy Wording for full details.

Question 12

Does LUMA Asia Pass cover electronic devices?

Accepted Answer

Some plans cover laptops, but mobile phones, tablets, and portable electronics are not covered under this policy.
Refer to the Table of Benefits and Policy Wording for full details.