Travel Insurance for Maldives, Fully Covered with LUMA
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Trusted by 100,000+ travelers
A decade of travel cover
Backed by medical guidance
Instant online purchase
On-the-ground teams and global partners ensure care is always nearby.
English-speaking assistance with coverage curated for Maldives.
Practical support backed by decade-long experience and deep-rooted hospital networks.
Direct access to our in-house medical team (Medipro) for real medical advice.
01 Seriously unwell on a resort island, hours from Malé?
Advanced care in the Maldives is concentrated in Malé, and many resort islands are a long seaplane or speedboat ride away, with rescue services that are genuinely limited. A serious illness or injury out here can mean evacuation not just to Malé but as far as India or Sri Lanka, which is enormously expensive to arrange alone. If local facilities can't treat you, LUMA helps arrange medical evacuation. Every LUMA plan includes medical evacuation cover when it's medically necessary.
02 Dengue symptoms during a private island stay?
Dengue can affect travelers in the Maldives, and the mosquitoes that spread it bite during the day. The symptoms often start like a regular fever, with body aches, headache, fatigue, or unusual weakness, but a serious case may need testing and monitoring. A resort clinic may be enough for basic care, but it may not be set up for tests, monitoring, or hospital-level treatment. Medipro can help you decide whether symptoms need medical attention, and your LUMA policy covers eligible treatment costs if you need care.
03 Checked bag delayed before your resort stay?
A delayed bag is more than an inconvenience in the Maldives. Once you leave Malé for a private island, replacing medicines, swimwear, chargers, contact lenses, or daily essentials can be difficult and expensive. LUMA plans with baggage cover can help with eligible baggage delay, loss, theft, or damage, so you can replace what you need without letting one missing bag take over the trip.
04 Maldives trip cancelled before you fly?
A Maldives holiday is paid almost entirely up front. Resorts sit on private islands, so your stay, meals, and activities come as one large prepaid booking, with no cheaper local option once you're committed. That puts more on the line than most trips. If a serious illness, an injury, or a family emergency stops you travelling, recovering it alone is rarely simple. LUMA plans with trip cancellation cover reimburse eligible prepaid expenses, for covered reasons like these, subject to your policy terms.
05 Injury during snorkeling, diving, or a resort activity?
Most Maldives activities are arranged through the resort, but water injuries can still happen. A reef cut, fall on a jetty, sting, diving-related issue, or boat injury can need more than basic first aid. LUMA covers eligible medical costs under your plan, subject to the activity and policy terms.
Your Maldives Travel Insurance Questions, Answered
Yes. Both are present in the Maldives year-round, spread by mosquitoes that bite during the day. Symptoms like high fever, joint pain, and heavy fatigue often surface days after the bite, once you're already settled into the resort. On a remote island, a case that needs proper testing or monitoring means transfer to a facility that can handle it. Medipro can help you decide when it's worth seeking care, and your LUMA policy covers the eligible treatment costs if you do, including transfer if your island clinic isn't equipped.
Yes, when it is medically necessary. Many resort islands have basic medical support, but advanced care is concentrated around Malé. A serious illness, water injury, or medical emergency may require transfer by speedboat, seaplane, or air ambulance. If local care cannot provide the treatment you need, LUMA helps arrange medical evacuation to a better-equipped hospital. Depending on the case, that may mean transfer to Malé or, if medically necessary, to a hospital abroad such as India or Sri Lanka. All LUMA plans include medical evacuation cover.
Yes, because almost everything here is remote and prepaid. You're often on a private island hours from Malé, with limited rescue services, so a medical problem that's minor at home becomes a logistical and financial one here. On top of that, a Maldives holiday is paid for almost entirely up front, one large bundled booking with no cheaper local fallback once you're committed. Insurance covers the two things that genuinely go wrong on this kind of trip: the cost of medical care and evacuation, and trip cancellation cover to recover prepaid money if a serious illness, injury, or family emergency stops you travelling.
