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Evacuation & Repatriation
High Coverage for Medical Expenses, Emergency Evacuation and Repatriation.
Serviced by an international team and medical assistance from our experienced in-house medical team.
Coverage benefits designed to protect you in Thailand. Motorbike accidents are covered during your trip.
200,000 USD to UNLIMITED Coverage
UNLIMITED Coverage
UNLIMITED Coverage
Covered Up to 5,000 USD
Covered Up to 5,000 USD
Covered Up to 1,500 USD
A multilingual emergency hotline is available every day, around the clock, to assist with your urgent situations.
Dr. Gerard
Emergency Medicine, Aviation & Tropical Diseases
25 Years of Medical Experience
Nurse Kookkik
Registered Nurse
19 Years of Medical Experience
Dr. Kao
Health Care Management
General Practitioner
Dr. Patrick
Health Care Management
General Practitioner
Dr. Thet
Internal Medicine & Rehabilitation Medicine
9 Years of Medical Experience
Travel Insurance Benefits Explained
Medical Benefits
Medical Expenses
The LUMA Asia Pass encompasses both inpatient and outpatient treatments in Thailand for covered conditions. It is imperative to adhere to standard practices and reasonable costs. For specific details on the required documents for claiming, please consult the policy documentation.
Emergency Evacuation
In the event of a Serious Injury or Illness necessitating immediate treatment with insufficient local medical facilities in Thailand, our coverage includes emergency evacuation. This evacuation will be arranged to the nearest suitable facility using the most efficient mode of transportation capable of providing necessary medical care. It's important to note that only the Insurer and/or the Assistance Company can facilitate the evacuation.
Repatriation
Following an Emergency Evacuation, assistance with repatriation is available if deemed necessary. Decisions and coordination regarding repatriation rest solely with the Insurer and/or the Assistance Company.
Motorbike Accidents
In Thailand, this travel insurance provides coverage for motorbike accidents for both riders and passengers. To be eligible for this coverage, individuals must wear a helmet, adhere to local regulations, and hold the necessary license to operate or rent the motorbike.
Travel Benefits
Trip Cancellation
Ensure your trip to Thailand proceeds smoothly. With our Trip Cancellation coverage, you're safeguarded against losing deposits or incurring additional expenses due to unforeseen events like illness, emergencies, or natural disasters. You can cancel or shorten your trip and receive reimbursement for unused expenses. Note: Coverage for this benefit is effective from the policy issue date until the departure date specified in the itinerary. Read more about Trip Cancellation Insurance for Thailand
Read more about Trip Cancellation for Travel Insurance Thailand
Trip Interruption
Should your trip be curtailed due to reasons such as illness, emergencies, or natural disasters, rest assured you'll be reimbursed for the unused portion of your travel expenses. Whether it involves returning home sooner or arranging alternative accommodations, our coverage provides peace of mind for you to fully enjoy your travels to Thailand without worry.
Read more about Trip Interruption for Travel Insurance Thailand
Flight Delay
If your flight encounters delays due to factors like adverse weather, strikes, or technical issues outside your home country and beyond your control, this travel insurance provides coverage. You're entitled to compensation for every full 6-hour delay, up to the specified policy limit. To qualify, the delay must exceed 6 hours and not result from failure to check in or reconfirm on time. Additionally, your booking must be confirmed before any known issues arise. Obtain official documentation from the airline detailing the cause, date, time, and duration of the delay. Note that this coverage excludes issues existing at the policy's commencement or problems caused by government authorities.
Read more about Flight Delay for Travel Insurance Thailand
Baggage Delay
If your luggage is temporarily lost upon arrival in Thailand for at least 6 hours, this travel insurance provides coverage for emergency purchases of essential toiletries and clothing. The delay should not result from customs or government officials, and documentation, including original purchase receipts, must be submitted.
Lost Baggage
This Travel Insurance to Thailand offers compensation for loss, breakage, or damage caused directly by theft, robbery, burglary, accidents, or mishandling by carriers during the insured person’s journey. Loss must be reported to local authorities or carriers within 24 hours to qualify for coverage. However, this benefit does not cover loss or damage due to delay, confiscation, wear and tear, or loss of specific items like cash, electronics, fragile articles, and more. Refer to the policy for comprehensive details and exclusions.
Read more about Lost Baggage for Travel Insurance Thailand
When heading to Thailand, having travel insurance that includes COVID-19 coverage may not be as big of a worry or a must-do as before. Still, it’s a smart move to look out for your health and finances. COVID-19 cases have gone down a lot, and Thailand has loosened up on entry rules and travel guidelines. But since the pandemic can be unpredictable, and there might be unexpected medical costs, having comprehensive travel insurance is a good idea. LUMA Asia Pass has coverage for COVID-19.
While travel insurance for Thailand is not mandatory, we highly suggest having comprehensive medical insurance for Thailand, even if you are healthy and young. There are a number of reasons for this:
A popular transport in Thailand is motorbikes. Yet, a significant number of tourists fail to follow regulations when using a motorbike as a driver or passenger and accidents occur too often. Having a travel insurance in Thailand that covers for motorbike accidents is crucial to ensure protection in case of need. For more information about how much such an accident could cost, read our blog on the importance of travel insurance for motorbike accidents in Thailand.
The cost of travel insurance for Thailand will vary depending on two main factors, the length of your trip and the type of coverage you choose. However, you can generally expect to pay around $7 per day for a quality travel insurance Thailand policy.
When selecting travel insurance for Thailand, go for a plan that provides thorough coverage customized to your specific travel requirements. Steer clear of purchasing a plan with unnecessary benefits that could unnecessarily increase the cost. Concentrate on essential factors like coverage, pricing, hospital network, and customer service.
Read our blog about this and find the best travel insurance plan for your trip to Thailand.
LUMA Asia Pass Travel Insurance Policy does not cover:
Please note: This travel policy is valid for leisure and administrative business travel only and does not cover travel to seek medical treatment in Thailand.
Medical Expenses Exclusions:
Charges for special nursing, physiotherapy, cosmetic surgery, and more.
Baggage and Personal Effects Exclusions:
Loss or damage due to customs actions, loss of cash, damage to electronic devices, and more.
For the detailed list of exclusions, please read LUMA Asia Pass Travel Insurance Policy Wording.
Medicare is a health insurance program by the government for people aged 65 or older and those with specific disabilities. Keep in mind, though, that Medicare doesn’t cover medical costs outside the United States and its territories. So, if U.S. citizens go to Thailand, Medicare won’t pay for their medical expenses. Read more in detail on the use of Medicare in Thailand on our blog.
Right here! You can purchase LUMA Asia Pass which covers Thailand and also motorbike accidents which is a must have for Thailand.
You should ideally be purchasing travel insurance as soon as your tickets are booked. A minimum should be 24 hours before your departure.
In the event of an emergency in Thailand, swift and decisive actions are crucial. Contact local emergency services by dialing 1669 for immediate assistance. It is advisable to stay calm and provide clear information about the situation, including your location and the nature of the emergency. If you are a traveler, reach out to your embassy or consulate for additional support. Familiarize yourself with the nearest medical facilities and follow any guidance or instructions provided by local authorities.
Read our blog on What to do in case of emergency in Thailand.
As per the World Health Organization (WHO), road accidents in Thailand persist as a major health issue, causing over 20,000 fatalities annually. These incidents often lead to severe injuries, resulting in substantial medical costs. The Department of Disease Control reports that motorcyclists contribute to 74% of all road fatalities in Thailand, with 15,000 motorcyclists among the 20,000 annual road-related deaths.
Read our full blog on the importance of travel insurance for motorbike accidents in Thailand.
The currency of Thailand is the Thai Baht, denoted by the symbol “฿” and the currency code “THB.” The Thai Baht is further subdivided into 100 satang. Banknotes are available in denominations of 20, 50, 100, 500, and 1,000 Baht. Coins come in denominations of 1, 2, 5, and 10 Baht, as well as smaller denominations of satang, although these are less commonly used.
The best time to visit Thailand depends on where in Thailand you plan to explore, and your personal preferences in terms of weather.
The Peak Season to travel to Thailand usually range from November to February during “Thai Winter” when the weather is cool and dry.
March to May is the hottest season with Songkran festival.
Rainy season spans from June to October. Some regions may experience heavy rainfall and flooding.
When visiting Thailand, it’s essential to be aware of cultural norms and practices. Here are some important “don’ts” in Thailand:
Thailand is famous for its tasty dishes, but it’s important to note that many Thai foods may contain allergens. Common ingredients like peanuts, shrimp, and fish sauce can trigger allergic reactions. To learn more about communicating food allergies and identifying dishes that may cause allergies, check out the video below.
Travel Insurance from the USA to Thailand should cover flight delays, lost baggage, and medical emergency & treatment during your stay in Thailand. Your trip will likely involve multiple connecting flights and dealing with different time zones. When embarking on such a lengthy trip, having peace of mind is crucial. That’s where travel insurance for your Thailand trip comes in, acting as your safety net to keep you protected throughout your journey.
Traveling from the USA to Thailand isn’t a quick and simple journey, so it’s highly advisable to get travel insurance for your trip. Read our blog on Travel Insurance to Thailand from USA for a full breakdown.
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Assistance by Europ Assistance
Europ Assistance is a leading assistance company with an international network ensuring a reliable support worldwide.
“LUMA Asia Pass” is the commercial name of the travel insurance policy insured by Bao Long Insurance Corporation, distributed globally by Luma International and serviced by Luma Care Co. Ltd.
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