How much does LUMA travel insurance cost? Real prices, by zone

The one thing to understand first: zones

We ran identical quotes (1 traveller, 8 days) from different departure countries to different destinations. The result: your price depends on the destination zone, not where you fly from. Vietnam → France and Thailand → France returned the exact same numbers. Myanmar → Thailand and Thailand → Singapore also matched each other.

Two takeaways from this table:

• Southeast Asia trips are cheap across all plans — even the top-tier Plan 3 costs about $4/day or less within Zone 1-2.
• The big jump happens at Zone 3 Plan 3 — $70 vs $32 for the same 8 days. Schengen-bound travellers on a budget get nearly identical value from Plan 2; see our plan comparison before paying for Plan 3.

Longer trips get much cheaper per day

Duration data from the Zone 3 quotes (Plan 2, 1 traveller):

A 30-day policy costs 55% less per day than an 8-day one. If your itinerary might stretch, buy the longer duration upfront — the policy must be purchased before your trip starts, so you can't top up mid-trip as easily as you'd think.

Three more pricing facts from the quote form

• Per-traveller pricing, no group discount — a quote for 2 travellers showed exactly 2× the single price, itemised per person.
• "8 days" includes both arrival and departure day — 1 Sep depart, 8 Sep return = 8 days. Count both ends when estimating.
• The quote step doesn't ask age — age (eligible range: 4 weeks to 75 years) is collected later at the traveller-information step, and didn't change the displayed quote in our tests.

Which plan should you pick?

Quick version: Plan 1 clears the Schengen visa minimum (medical up to USD 50,000 — above the €30,000 requirement) with nothing else. Plan 2 adds baggage, travel documents and personal liability. Plan 3 is the only plan with trip cancellation cover (USD 2,000) and doubles medical to USD 200,000. Full breakdown: LUMA World Pass plans compared.