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Vast golden Mongolian steppe stretching to rolling hills under a wide blue sky with autumn foliage along a winding river

Travel Insurance for Mongolia, Fully Covered with LUMA

With over a decade in Southeast Asia and beyond, LUMA covers you from all the unique risks of traveling in Mongolia’s remote wilderness.
  • 4.8
  • 4.0 Rating

  • Trusted by 100,000+ travelers

  • 10,000+ policies served

  • Backed by medical guidance

  • Instant online purchase

Is My Baggage, Health, Trip Covered?

  • damage, loss
  • sudden sickness, hospital expense
  • delays, cancellations

Yes!

  • On-the-ground partners and regional hubs ensure care is always reachable.

    Hands

  • 24/7 English-speaking support to help navigate the complexities of traveling in Mongolia.

    Calling

  • Practical support backed by decade-long experience and deep-rooted hospital networks.

    Shield

  • Direct access to our in-house medical team (Medipro) for real medical advice.

    Stethoscope
Mongolia calling? We go above and beyond to make sure your trip stays golden.
  • A long line of tourists riding camels across golden Gobi Desert sand dunes under a clear blue sky
    A lone hiker walking along the sharp ridgeline of a towering golden sand dune with misty desert valleys below
    Two Mongolian wrestlers in traditional costume competing at an outdoor Naadam festival, with the Mongolian flag and vast steppe landscape in the background.

    01 Your Naadam or Gobi trip’s booked, and you can't travel?

    A Mongolia trip takes months of planning, and the bill stacks up fast. Multi-day expeditions and organised festival packages often come with hefty non-refundable deposits paid well in advance. If illness keeps you from travelling, your LUMA plan can cover the costs you've already incurred. Given how much goes in up front, trip cancellation cover is worth building into your plan. Compare our plans online to see which ones include it.

  • Dramatic red sandstone rock formations at golden hour in the Gobi Desert, Mongolia, with green steppe hills in the background
    Wild Bactrian camel standing in the Gobi Desert, Mongolia, with arid scrubland, bare trees, and rocky mountains under a deep blue sky
    Eroded red sandstone badlands in the Gobi Desert, Mongolia, with vast green steppe plains and a dirt road stretching to the horizon

    02 Delayed flight to Khovsgol or bag missing at Bayan-Ölgii?

    Mongolia's domestic flight network is small, and delays or baggage issues at remote airports can affect your onward travel. For protection against these disruptions, opt for a plan with travel delay and baggage cover built in. Get a quote online to compare your options.

  • Motorcyclist riding alone on a straight empty road through the Mongolian steppe toward snow-capped Altai mountains under a wide blue sky
    Vintage Soviet-era motorcycle parked on sandy desert ground in front of a ruined stone and wood structure in the Gobi Desert, Mongolia
    Adventure motorcyclist in full gear riding on a remote desert highway in western Mongolia with dramatic dark mountains and cloudy sky in the background

    03 Motorbike accident in the Altai or a horse fall on the steppe?

    Adventure activities here often take you far from help. Accidents happen in places where a clinic can be hours away. LUMA's plans cover motorbike accidents, so a broken leg or torn ligament doesn't become a financial event on top of the physical one.

  • Group of Mongolian women in vibrant red traditional deel costumes riding white horses across the green steppe at Naadam Festival, Mongolia
    Mongolian horsemen in traditional and everyday dress gathered on horseback at the start of a horse race during Naadam Festival, Mongolia
    Mongolian woman in traditional orange deel costume performing horseback archery at full gallop during Naadam Festival, Mongolia

    04 Stomach upset at Naadam or dehydration in the Gobi?

    A bad stomach is one of the most common things to interrupt a Mongolia trip. Unfamiliar food, untreated water, or summer heat can each play a part. Medipro, our in-house medical advisory team, can help you decide whether to manage symptoms or seek care. If you do need to see someone, your LUMA policy covers your medical costs.

  • Aerial view of Ulaanbaatar city skyline in winter with snow-dusted rooftops, colorful apartment blocks, and a glass commercial building with Samsung signage, Mongolia
    The Blue Sky Tower, a landmark curved glass skyscraper in downtown Ulaanbaatar, Mongolia, with the modern city skyline and construction cranes in the background
    Ulaanbaatar cityscape at golden hour in winter with snow-covered Bogd Khan Mountain, residential buildings, and a modern high-rise in the foreground, Mongolia

    05 Provincial clinic in Mongolia not equipped to treat you?

    Medical infrastructure outside Ulaanbaatar is limited, and some situations call for a hospital with the right capabilities. When local care isn’t equipped to treat you, LUMA arranges transfer to a better-equipped facility, working with global assistance partners such as Europ Assistance where needed. Sometimes that means transport to a hospital in a neighbouring country. All LUMA Travel insurance plans include full medical evacuation cover.

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 motorcycle accidents — which is a big plus if you're riding motorcycles around in SEA."

    C
    Clara M. — Google, May 2025

  • "I bought LUMA Travel Insurance for my Asia Trip and it was so easy, everything was done online in just a few minutes, and I received my certificate right away. The process was clear, simple and hassle-free which gave me peace of mind before even starting my journey. I really appreciated how smooth it was."

    M
    May — Trustpilot, Sept 2025

  • "I bought it for my trip to Penang. Convenient and peace of mind to have."

    N
    Nina L. — Trustpilot, Sept 2025

  • "Luma proved to be an excellent partner for insurance in the SEA field. They took perfect care of me and provided all the necessary information."

    V
    Vojtěch K. — Trustpilot, Dec 2025

  • "Perfect for traveling in Asia. One issue in Phnom Penh, Luma and his staff was particularly efficient and took care of me. Thank you very much Luma."

    J
    Jérôme C. — Google, Apr 2025
A smiling woman in a red pom-pom beanie and black puffer jacket standing joyfully in a snow-dusted winter forest with flakes falling around her
A lone ATV rider silhouetted against an endless expanse of rippled golden sand dunes stretching to the horizon in a hazy desert
Three shaggy Bactrian camels grazing on a dry golden plain beneath dramatic snow-covered mountains in the Mongolian wilderness
A woman in traditional embroidered dress grilling meat skewers and eggs on a smoking charcoal grill at a busy outdoor street market
Backpackers hiking toward dramatic rock formations on a lush green Mongolian hillside
A vivid Tibetan masked dancer in a yellow embroidered costume wearing a golden antlered dragon mask performing before a large crowd of spectators
Two white camping tents pitched beside a weathered log cabin on a hillside overlooking a forested autumn mountain valley at dusk
Vendors in blue aprons serving fresh cuts of red meat at a bustling indoor bazaar beneath a striking geometric white dome ceiling
A focused young man in a teal gold-embroidered jacket and fur hat serving traditional plov rice from a large communal pan outdoors
Performers in red trousers and white tunics clashing curved swords and round shields in a traditional martial display in front of a decorated yurt

Your Mongolia Travel Insurance Questions, Answered

Woman in elaborate Mongolian queen's costume with a tall red headdress and pearl jewelry on a carved throne

Yes. Mongolia is rated Level 1 ("Exercise Normal Precautions") by the U.S. Department of State as of May 2026, and the UK Foreign, Commonwealth & Development Office (FCDO) does not warn against travel to the country. Violent crime against tourists is rare. The real risks are practical ones: extreme weather, vast distances, and limited medical access outside Ulaanbaatar.

Stomach issues and dehydration are common in Mongolia, especially in the Gobi heat, where summer temperatures regularly exceed 30°C. LUMA travellers have access to Medipro, our in-house medical advisory team, for guidance on symptoms and care decisions. For urgent situations that require you to seek care, we can handle billing directly for large medical bills.

Yes, we offer plans that cover horse riding activities in Mongolia. Get in touch with our team to confirm coverage on yours before you book.

If the local medical facilities are not equipped to treat you, we arrange transfer to a better-equipped facility. Sometimes this means evacuation to a hospital in a neighbouring country. Medical evacuation is paid in full on all our plans.

As of May 2026, US passport holders can visit Mongolia visa-free for up to 90 days, according to the U.S. Department of State. UK and Australian passport holders can also enter visa-free, with stay lengths varying by nationality. Passports must be valid for at least six months from entry, and stays over 30 days typically require registration with Mongolian immigration after arrival. Verify current requirements for your passport with the Embassy of Mongolia or your country's foreign affairs department before travel.

Yes. We offer plans with trip disruption cover for delays and interruptions, including those caused by extreme weather. Get a quote online to compare your options and choose a plan with the cover you need.

Go places, we’ve got you covered.

  • A traditionally dressed Kazakh eagle hunter holding a large golden eagle with outstretched wings on rocky terrain, with a young boy in a white hat standing beside him
  • A backpacker with a camera walking toward dramatic orange-red rock formations rising from a flat sandy desert floor under a vivid blue sky
  • A joyful rider in a dark embroidered traditional costume laughing on a grey horse in front of white yurts surrounded by lush green trees

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