Luma Care

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. It’s best to choose something else. The App was unhelpful.

Very supportive medical team and claims process is smooth.