What World Pass is
World Pass is LUMA's flagship single-trip travel insurance, underwritten by Bao Long Insurance Corporation and distributed globally by LUMA International (registered in Bordeaux, France — ORIAS 17 007 455). Three plans, USD limits, sold online with the certificate emailed immediately after payment. Eligible ages run from 4 weeks to 75 years, maximum 180 consecutive days per policy.
The headline: pricing by zone, not country
We ran identical quotes (1 traveller, 8 days) across four routes. The result overturns most assumptions about how this product is priced:
| Route (8 days, 1 traveller) | Zone | Plan 1 | Plan 2 | Plan 3 |
|---|---|---|---|---|
| Myanmar → Thailand | Zone 1 | $19 | $29 | $32 |
| Thailand → Singapore | Zone 2 | $19 | $29 | $32 |
| Thailand → France (Schengen) | Zone 3 | $21 | $36 | $70 |
| Vietnam → France (Schengen) | Zone 3 | $21 | $36 | $70 |
Two facts follow immediately. Where you fly from doesn't matter — Vietnam→France and Thailand→France return identical numbers. And Plan 3 nearly doubles at the Zone 3 boundary ($70 vs $32) while Plan 1 barely moves — the budget plan is almost flat worldwide.
Longer trips, much cheaper per day
| Trip length (Zone 3) | Plan 2 total | Per day |
|---|---|---|
| 8 days | $36 | $4.50 |
| 15 days | $45 | $3.00 |
| 30 days | $60 | $2.00 |
Per-day cost falls 55% from the shortest to the month-long trip. The policy must be bought before the trip starts, so if your itinerary might stretch, buy the longer duration upfront.
What the three plans actually cover
| Benefit | Plan 1 | Plan 2 | Plan 3 |
|---|---|---|---|
| Emergency medical (in + out patient) | $50,000 | $100,000 | $200,000 |
| Evacuation & repatriation | $1,000,000 | $1,000,000 | $1,000,000 |
| Baggage & personal effects | — | $300 | $700 |
| Trip cancellation | — | — | $2,000 |
| Personal liability | — | $1,000 | $3,000 |
| Accidental death/disablement | $1,000 | $2,000 | $3,000 |
Every plan's medical line clears the €30,000 Schengen visa minimum — even Plan 1 at $50,000. The full plan comparison breaks down every row.
Price all three plans on your route — about a minute
Get a LUMA quote — 5 minutesNo card needed at the quote step.
The fine print that matters
- Pre-existing conditions are excluded by name — cardiovascular, hypertension, diabetes, cancers, gallstones and more. Claims arising from these aren't covered on any plan.
- No direct billing under USD 1,000 — pay and claim back below that threshold.
- Non-cancelable once issued — the only official window to request cancellation is before the policy's start date; no refund once issued. Full reading in our cancel & refund guide.
- Luggage sub-limits — USD 200/item, laptops capped at USD 300.
- Leisure or non-manual business travel only; 24-hour police/carrier report required for baggage claims.
Verdict — who should buy which plan
| If you are… | Best pick |
|---|---|
| Travelling light, short SE Asia trip, want medical + evacuation only | Plan 1 — near-flat pricing makes it the value play |
| Checking baggage, multiple connections | Plan 2 |
| Non-refundable bookings, long trip, 60+ | Plan 3 — the only plan with cancellation cover and 4× Plan 1's medical |
Also worth knowing: LUMA sells Schengen Pass (EUR-denominated, built for the visa minimum) and Asia Pass (higher medical limits for Asia trips) — check whether one of those fits your trip better before buying World Pass.
Sources
- LUMA World Pass — Table of Benefits (official PDF)
- LUMA Policy Wording (official PDF)
- Live quote form at buy.lumatravel.com — prices read directly from quote results, 19 Aug 2026