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Aerial view of London showing Tower Bridge spanning the River Thames, with the city's dense rooftops stretching toward the Canary Wharf skyline in the distance.

Travel Insurance for the United Kingdom, Fully Covered with LUMA

From London city breaks and Scottish Highlands hikes to Lake District trails and Edinburgh stays, LUMA travel insurance keeps you covered throughout the UK.
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  • Trusted by 100,000+ travelers

  • A decade of travel cover

  • 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 teams and global partners ensure care is always nearby.

    Hands

  • 24/7 English-speaking assistance with coverage curated for Switzerland.

    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
United Kingdom calling? We go above and beyond to make sure your trip stays golden.
  • Silhouetted pedestrians framed by a dark archway, looking toward the gothic spires of the Houses of Parliament.
    Night view of the London Eye glowing blue beside buildings lit in rainbow colours, their reflections shimmering on the Thames.
    A close-up view of one of Tower Bridge's Gothic stone towers with its blue steel suspension supports, set against a soft sky.

    01 Needed a doctor beyond the A&E in the UK?

    The NHS is excellent, and emergency care is there for everyone. But follow-up appointments, specialist consultations, and non-emergency hospital stays come with a bill for visitors, and it adds up faster than most people expect, especially if you need more than a one-time visit. LUMA covers the eligible medical expenses under your plan, so getting the right care in the right place doesn't mean watching the costs pile up while you're trying to recover.

  • A blue fishing boat in Oban harbour, with waterfront buildings and McCaig's Tower on the hillside under a dramatic sky.
    Pedestrians strolling down the Shambles in York, a narrow cobbled lane lined with crooked medieval buildings and hanging shop signs.
    Low-angle view of the London Eye against a cloudy sky, its white lattice frame curving upward with dark oval passenger capsules along the rim.

    02 Hurt hiking in the Scottish Highlands or the Lake District?

    Scotland's mountain routes and the Lake District's trails are stunning but serious, and a fall or injury in a remote area can mean a long wait for help and a transfer to the nearest equipped hospital. As confirmed by travel guides, rural areas of the UK, including the Scottish Highlands, may lack advanced medical facilities. LUMA covers the eligible medical costs and, if local care isn't enough, helps arrange medical evacuation to a better-equipped hospital.

  • The ancient standing stones of Stonehenge on a wide green field beneath a blue sky streaked with clouds.
    The ancient standing stones of Stonehenge on a wide green field beneath a blue sky streaked with clouds.
    A rain-slicked riverside plaza with Tower Bridge and City Hall's glass facade in the background under an overcast sky.

    03 UK trip cancelled before you fly?

    A UK trip, transatlantic flights, London hotels, theatre tickets, tour bookings in Edinburgh or the Cotswolds, is often paid for well ahead of time. If a serious illness, an injury, or a family emergency stops you from traveling, recovering that money on your own is rarely simple. LUMA plans with trip cancellation cover reimburse eligible prepaid expenses for covered reasons like these, subject to your policy terms.

  • View from the top deck of an open-top tour bus, with passengers ahead and a Union Jack flying from a stone building
    The Wallace Monument tower rising above dense green woodland under an overcast sky. Shorter option:
    Stone towers of Windsor Castle rising above a lush terraced garden filled with shrubs and flowers under a bright blue sky.

    04 Road accident while driving in the UK?

    The UK drives on the left, and for visitors used to the opposite, hiring a car and navigating roundabouts, narrow country lanes, and motorway slip roads takes real adjustment. A collision or a serious accident means an ambulance, an A&E visit, and potentially specialist follow-up care, all at NHS tourist rates or private clinic prices. LUMA covers the eligible medical costs from a road accident under your plan, and if the nearest facility isn't equipped for the injury, it helps arrange transfer to one that is.

  • Waterfront buildings of Oban along the shore, with McCaig's Tower crowning the green hillside above the bay.
    Ornate corner facade of a grand period building with balconies and a domed turret, viewed from street level.
    Moody view of Tower Bridge under an overcast sky, its stone towers and blue steelwork framed by a dark structure in the foreground.

    05 Phone snatched in central London?

    Moped snatch theft and pickpocketing are the most reported incidents for tourists in the UK, particularly around Oxford Street, Hyde Park, and Trafalgar Square, and in crowded bars and restaurants. Losing a phone or bag mid-trip is more than inconvenient. LUMA plans with baggage cover can help with eligible loss or theft, so you're not carrying the full replacement cost yourself.

Entrance to Westminster Underground station with its roundel sign, and the towers of the Houses of Parliament rising behind.
People relaxing on the wide lawns of Greenwich Park, with the Old Royal Naval College and the Canary Wharf skyline beyond.
St Paul's Cathedral and its dome reflected in the angled glass facade of a modern building beside a sunlit street.
Red double-decker buses driving past elegant white period buildings on a tree-lined London street.
One of Tower Bridge's stone towers framed through a dark archway against a clear blue sky.
Sunlit gothic tower of the Houses of Parliament with red double-decker buses passing on the street below.
View from behind a railing down a wide, quiet London street lined with grand white stone buildings.
Ornate gothic pinnacles of the Houses of Parliament flying the Union Jack against a bright turquoise sky.
Big Ben's clock tower rising above leafy green trees, with a row of red hire bikes and pedestrians on the street below.
Crowds strolling along a sunny park path beside a Victorian lamppost, with Tower Bridge's stone tower rising behind them.
Silhouetted pedestrians framed by a dark archway, looking toward the gothic spires of the Houses of Parliament.
Night view of the London Eye glowing blue beside buildings lit in rainbow colours, their reflections shimmering on the Thames.
A blue fishing boat in Oban harbour, with waterfront buildings and McCaig's Tower on the hillside under a dramatic sky.
Pedestrians strolling down the Shambles in York, a narrow cobbled lane lined with crooked medieval buildings and hanging shop signs.
The ancient standing stones of Stonehenge on a wide green field beneath a blue sky streaked with clouds.
The ancient standing stones of Stonehenge on a wide green field beneath a blue sky streaked with clouds.
View from the top deck of an open-top tour bus, with passengers ahead and a Union Jack flying from a stone building
The Wallace Monument tower rising above dense green woodland under an overcast sky. Shorter option:
Waterfront buildings of Oban along the shore, with McCaig's Tower crowning the green hillside above the bay.
Ornate corner facade of a grand period building with balconies and a domed turret, viewed from street level.

Your United Kingdom Travel Insurance Questions, Answered

The dome of St Paul's Cathedral rising above lush green trees against a blue sky with fluffy white clouds.

Only for genuine emergencies. As confirmed by the US State Department, tourists and short-term visitors are charged 150% of the NHS rate for any treatment beyond emergency stabilization at A&E. Follow-up care, specialist consultations, clinic visits, and non-emergency hospital stays all carry a cost. The NHS is not free for foreign visitors the way many travelers assume, and US Medicare and Medicaid are not accepted in the UK. LUMA covers eligible medical expenses under your plan so those costs don't fall entirely on you.

Yes, particularly in London. As confirmed by the US State Department, moped snatch theft and pickpocketing are the most reported incidents for tourists, concentrated around Oxford Street, Hyde Park, Trafalgar Square, and crowded bars, restaurants, and transport hubs. Keep your phone in a front pocket, don't leave bags unattended, and only use licensed black taxis or pre-booked car services. If something is stolen, report it to the police on 101 (non-emergency) and keep the report for any eligible baggage claim under your LUMA policy.

Yes. Whether it's a hiking injury in the Scottish Highlands, a sudden illness in London, or a fall in Edinburgh's Old Town, LUMA covers eligible medical and treatment costs under your plan. Private walk-in clinics offer faster service than NHS facilities but charge accordingly, and Medipro can help you decide whether your symptoms need a doctor and what kind of facility makes sense for your situation.

Yes, when it's medically necessary. While the UK has strong emergency services, rural areas, including the Scottish Highlands and the Lake District, may be a significant distance from advanced medical facilities. Every LUMA plan includes evacuation cover. If local care can't provide the treatment you need, LUMA helps arrange medical evacuation to a better-equipped hospital.

It depends on your nationality. As of 2026, the UK Electronic Travel Authorisation (ETA) is mandatory for all visa-exempt visitors, including nationals from the US, Canada, Australia, New Zealand, and EU countries. The ETA is not a visa but must be obtained before travel and is linked to your passport. Travelers from countries that require a Standard Visitor Visa, including India, must apply through the UK Visas and Immigration service before departure. Check current eligibility and entry requirements on the official UK Government website before booking.

Yes. Autumn and winter bring storms, heavy snow, and poor visibility that can ground flights into and out of Scottish airports like Inverness, Aberdeen, and Edinburgh, and disrupt connections through Belfast. If a covered flight delay meets your policy's minimum delay period, LUMA's flight delay cover can help with reasonable expenses like meals or an overnight stay, with receipts and limits. Build a buffer around travel days during winter months, particularly if your itinerary includes the Highlands or Northern Ireland.

Go places, we’ve got you covered.

  • The Houses of Parliament and Big Ben viewed across Westminster Bridge under a cloudy sky.
  • A steam train crossing the arched Glenfinnan Viaduct, surrounded by rolling green Scottish hills.
  • Tower Bridge illuminated at dusk under a purple sky, with the City of London skyline glowing between its towers.

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