Travel with peace of mind
Arriving in Thailand or heading overseas? Explore insurance for your direction of travel, compare plan benefits, then buy online and receive your policy directly from the insurer.
Simulation image — not the company's actual services or documents.
Two directions. The right starting point for your trip.
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LUMA Travel
LUMA travel insurance for visitors coming to Thailand for a holiday, family visit or temporary stay of up to 180 days, subject to eligibility and the selected policy.
Buy insurance online with LUMA Travel and receive your policy after completing the purchase, subject to eligibility and policy terms. Limits in USD.
AXA
AXA travel insurance for journeys from Thailand to destinations overseas. Compare six plans and confirm your destination, travel dates and eligibility with AXA before purchasing.
Buy insurance online with AXA and receive your policy after completing the purchase, subject to eligibility and policy terms. Amounts in THB; confirm limits in your policy.
Coverage is subject to the insurer’s eligibility rules, limits, conditions and exclusions. Confirm your destination and insurance dates before purchasing. The policy issued at purchase prevails.
Open the comparison for your journey. The PDFs contain the full supplied benefit tables.
Buy insurance online with LUMA Travel and receive your policy after completing the purchase, subject to eligibility and policy terms. Limits in USD.
| Benefit | Essential | Explorer | Adventurer | Pioneer |
|---|---|---|---|---|
| Emergency medical expenses | ||||
| Medical expenses (inpatient & outpatient; room and board max USD 261/day; pre-approval required for inpatient) | USD 200,000 | USD 400,000 | USD 800,000 | USD 1,000,000 |
| Follow-up care after return home | Not included | Not included | Not included | Not included |
| Hospital cash allowance | Not included | Not included | Not included | Not included |
| Travel benefits | ||||
| Baggage and personal effects | Not included | USD 500 | USD 700 | USD 1,500 |
| Baggage delay (6 hours or more) | Not included | USD 100 | USD 200 | USD 300 |
| Loss of travel documents | Not included | Not included | USD 1,000 | USD 1,500 |
| Personal money | Not included | Not included | USD 200 | USD 350 |
| Travel delay cash | Not included | Not included | USD 100 | USD 150 |
| Trip curtailment or cancellation | Not included | USD 1,000 | USD 3,000 | USD 5,000 |
| Personal liability | Not included | Not included | USD 50,000 | USD 100,000 |
| Rental car excess | Not included | Not included | USD 250 | USD 500 |
| Evacuation & repatriation | ||||
| Emergency evacuation and repatriation | USD 1,000,000 | USD 1,000,000 | USD 1,000,000 | USD 1,000,000 |
| Evacuation to the nearest adequate medical facility | Up to limit | Up to limit | Up to limit | Up to limit |
| Repatriation to country of origin | Up to limit | Up to limit | Up to limit | Up to limit |
| Additional travelling costs to return home | Not included | Not included | USD 3,000 | USD 4,500 |
| Family member visit | Not included | Not included | USD 3,000 | USD 4,500 |
| Return of children | Not included | Not included | USD 3,000 | USD 4,500 |
| Repatriation of mortal remains | USD 2,000 | USD 2,000 | USD 2,000 | USD 2,000 |
| Personal accident | ||||
| Accidental death or permanent disability | USD 2,000 | USD 2,000 | USD 5,000 | USD 5,000 |
Buy insurance online with AXA and receive your policy after completing the purchase, subject to eligibility and policy terms. Amounts in THB; confirm limits in your policy.
The supplied AXA comparison repeats the automatic-extension label with a second set of amounts. It is retained below as an unconfirmed source row; ask AXA what it covers before relying on it. “2-way-eco” and “1-way-eco” are shown exactly as supplied.
| Benefit | ECO | Plus Lite | Silver | Gold | Platinum | Emerald |
|---|---|---|---|---|---|---|
| Basic coverage | ||||||
| Death, loss of limbs, eyesight, or total permanent disability due to an accident. | 1,000,000 | 1,500,000 | 1,000,000 | 1,500,000 | 3,000,000 | 5,000,000 |
| Medical treatment for injuries or illnesses, including coronavirus disease (Covid-19). | 500,000 | 2,000,000 | 2,000,000 | 2,000,000 | 2,000,000 | 4,000,000 |
| Emergency medical transfer and repatriation to Thailand. | 1,000,000 | 2,000,000 | 1,000,000 | 2,000,000 | 3,000,000 | 4,000,000 |
| The cost of repatriating a body or ashes to the home country. | 1,000,000 | 2,000,000 | 1,000,000 | 2,000,000 | 3,000,000 | 4,000,000 |
| Legal liability to third parties. | 1,000,000 | Not included | 1,000,000 | 2,000,000 | 2,000,000 | 2,500,000 |
| Travel insurance | ||||||
| Cancellation of travel (before the start of the trip, due to reasons as specified in the terms and conditions). | Not included | Not included | 10,000 | 30,000 | 30,000 | 40,000 |
| Travel delay (1,000 baht for every 8 hours of delay due to reasons as specified in the terms and conditions) | 10,000 | Not included | Not included | 30,000 | 30,000 | 40,000 |
| Missed flight fee (1,000 baht for every 8 hours missed) | 3,000 | Not included | Not included | 5,000 | 5,000 | 8,000 |
| Reducing the number of travel days (due to the specified reasons) | Not included | Not included | 10,000 | 30,000 | 30,000 | 40,000 |
| Luggage delay (1,000 baht for every 8 hours) | Not included | Not included | Not included | 15,000 | 15,000 | 20,000 |
| Property protection | ||||||
| Loss or damage to luggage and/or personal belongings inside luggage during transport by the carrier, handling by hotel staff, or resulting from robbery or theft. | 5,000 | Not included | Not included | 50,000 | 50,000 | 80,000 |
| Loss or damage to cash and traveller's cheques in the event of robbery or theft. | Not included | Not included | Not included | 5,000 | 5,000 | 8,000 |
| Loss or damage to travel documents in the event of theft or robbery. | Not included | Not included | Not included | 5,000 | 5,000 | 8,000 |
| Other cover | ||||||
| Visiting an insured person (who is hospitalised for more than 7 consecutive days). | 2-way-eco | 2-way-eco | 2-way-eco | 2-way-eco | 2-way-eco | 2-way-eco |
| Repatriation of minors to their home country. | 1-way-eco | 1-way-eco | 1-way-eco | 1-way-eco | 1-way-eco | 1-way-eco |
| Automatic extension of term benefit (maximum 15 days). | Maximum 15 days | Maximum 15 days | Maximum 15 days | Maximum 15 days | Maximum 15 days | Maximum 15 days |
| Unconfirmed source row — duplicate automatic-extension label | Not included | 1,000 | Not included | 1,000 | 1,000 | 1,500 |
For inbound LUMA cover, check eligibility and purchase timing before leaving your home country. For outbound AXA cover, confirm eligibility, destination and policy start date before leaving Thailand.
Tell us where you are travelling, your dates and who is joining you.
Ask us on WhatsAppA conversation is a good place to start
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