"Great insurance for family."

I purchased health insurance for my 2 children in 2023 and have continued over the years.

Both my son and daughter have had to use the insurance in the past and have had a positive experience handling claims and the hospitals.

I also had to get a second medical opinion from the doctors at Luma as my son had some issues which went on for some time, the medical team at Luma were able to refer me to a specific doctor specializing in the area and finally my son was properly diagnosed and cared for.

Very happy with Luma and expect to continue with them for the years coming!

"⭐⭐⭐⭐⭐ My Go-To Travel Insurance for Asia"

I used LUMA Travel Insurance for my recent trip to Thailand, and honestly, I couldn’t be happier with the experience! Buying the policy was super easy in online and no complicated fine print.

What really stood out to me was their amazing customer service. I had a small medical issue during my trip, and LUMA was incredibly fast and helpful. They made sure I got the care I needed without any stress, and the claims process was smooth.

I purchased the plan which was cover from medical emergencies to trip delays and lost luggage, I felt completely protected the whole time. It’s such a relief knowing I don’t have to worry about the “what ifs” when I travel.

Since I travel around Asia often, LUMA is now my go-to travel insurance. It’s reliable, easy to use, and gives me peace of mind every time I fly. Highly recommend it to anyone who loves to travel!

"I WILL NEVER USE LUMA AGAIN."

I WILL NEVER USE LUMA AGAIN.
I RECOMMEND YOU DO NOT USE LUMA.
CUSTOMER SERVICE REPS BASED IN VIETNAM DENIED CLAIMS
BURIED IN PAGES OF FORMS TO DISSUADE CLAIMS

I bought Luma Travel Insurance for an upcoming trip throughout South East Asia. I was starting in Thailand. This was a policy for about half a year. Technically I'm still covered, but IT HASN'T COVERED A SINGLE THING.

I made sure that it would cover Thailand as I was planning to leaving and returning, using Thailand as my travel hub.

Luckily (I thought), but it turns out to be unlucky, I had a minor fall the following day which required x-rays, a soft cast, and a couple of follow up visits in Bangkok as I had fractured my right foot.

At the hospital the travel insurance wasn't recognized, I had to pay out of pocket. I submitted the paperwork I received from the hospital to Luma and got no response for months. Dozens of pages of paperwork (WHEN I'M ON VACATION, LUMA forms from the hospital, Accident Reports, Individual Expense Reports)

Eventually they required me to re-submit all the documents all over again to a customer service rep in Vietnam. This is when I knew I was going to get screwed. They cited terms and conditions that weren't the ones I signed up for initially and the claim was denied. The the medical expenses was about $1000, not even a very expensive claim. However, the months long inconvenience leading to the eventual denial of claim means:

Again,
I WILL NEVER USE LUMA AGAIN.
I RECOMMEND YOU DO NOT USE LUMA.

I will be returning to Thailand and non-stop traveling for the rest of my life, almost assuredly, and I won't be using Luma ever again or recommend it to anyone I know.

Personally I think they are short sided and will be losing a lot more than 1,000$ in business.

Its best to choose something else.

"This insurance company invents a policy…"

This insurance company invents a policy that if a hospital is not in their network you must first pay and then ask them for the money, which of course we already know will never come back. tired of these fraudulent methods.

"Helpful company"

Helpful, responsive, reliable insurance.

"I accidentally booked an insurance…"

I accidentally booked an insurance through Luma, later it was shown that I did not need it. I contacted the customer support and they refunded my money without any issues. A serious insurance company that I will use in future.

"This is a scam"

This is a scam. promises 5minutes for confirmation email and policy, been 3 hours and nothing, Money sure as hell went through though...