What the wording says — quoted from the exclusions
The LUMA policy wording lists these among the general exclusions (re-read 29/08/2026):
- Trekking above 5,000 meters above sea level
- Scuba diving
- Competition or professional climbing, rock climbing, abseiling — including any activity for monetary rewards
- Hazardous manual labor, whether at work or leisure (including underground work, oil rigs, explosives handling, stunt work, aerial photography)
Note how the list sorts by intensity, not by sport name. Regular swimming, standard hikes and casual paddleboarding are not in it.
Real questions travelers ask
"A discover-scuba session with tanks on my island trip?" — Scuba diving is excluded as written. Regular snorkeling is not on the exclusion list. Lock in your activity list before you buy — and choose a dedicated sports policy if diving is the point of the trip.
"Fansipan or a Nepal trek?" — Fansipan (~3,143m) is below the 5,000m threshold, so that clause does not apply. Nepal routes above 5,000m (like EBC) hit it exactly — those need a dedicated high-altitude policy.
"My trip involves manual work?" — Covered trips are leisure or administrative, non-manual business travel; heavy or hazardous occupations sit outside the scope.
3 steps before an active holiday
1. List every planned activity — including the "maybe I'll try" ones: diving, climbing, skiing, paragliding.
2. Check each against the exclusion list above — read for intensity and professionalism.
3. Still unclear? Ask first — email the insurer with your itinerary, keep the written reply with your certificate.
For the paperwork a claim needs, see the claim guide.
Match a LUMA plan to your real itinerary — priced per trip day
Get a LUMA quote →Pick the right destination zone and trip length.
Related articles
Sources
- LUMA policy wording — general exclusions 5.7-5.8 (trekking >5,000m, scuba diving, professional sports) + clause 6 scope of business travel (re-read 29/08/2026)
