Perspective

When it comes to travelling abroad, whether it’s related to teaching English in Vietnam or Cambodia – or for some other purpose – the pre-departure checklist can seem endless. Flight tickets, visas, accommodation, vaccinations, clothes…

There is something that is often inexplicably ignored. Perhaps it is a belief we are infallible or indestructible, but ignoring Travel and Medical Insurance when you’re travelling abroad can lead to expensive consequences. Travel and Medical Insurance is sometimes seen as an unnecessary expense, especially by folks with a limited budget. What’s my advice? Simple, don’t leave home without insurance.

If you’re travelling to Vietnam or Cambodia to work as an English as a Second Language (ESL) Teacher, don’t assume that having a Work Permit automatically means you’ll be covered by medical insurance. The reality is, in most cases, you won’t be covered unless it’s part of a negotiated employment package.

Venture to the Thailand without insurance? Don’t end up in ‘Intensive Care’ – that could really ruin your trip abroad, at around US $2,000 a day. Spend a week in a Malaysian hospital with a tummy bug or worse, without insurance, and watch your savings head south at a rapid pace.

While the cost of medical care in your most likely teaching English abroad destinations, Vietnam and Cambodia, is less than some other Southeast Asian countries, it can still be costly. Have a motorbike accident in Ho Chi Minh City, without insurance, your parents may have to mortgage their house to pay the medical bills. Get Dengue Fever in Cambodia, without medical insurance, wave goodbye to a few thousand dollars – upfront.

This kind of life-changing financial burden can be avoided by taking out a quality Travel and Medical Insurance policy before you leave home. As the leader in government-regulated TESOL Training in Southeast Asia, AVSE-TESOL reached out to the Travel and Medical Insurance industry worldwide to find the best possible deals for our TESOL students in Vietnam and Cambodia. Read on for the outcome.

Partnership: AVSE-TESOL and Luma Health

AVSE-TESOL in Australia, Vietnam and Cambodia has partnered with Luma Health to provide quality Travel and Medical Insurance cover and a lot more besides – at an affordable price – to meet the needs of our TESOL students. ​​Travel Insurance through Luma Health provides coverage that’s perfect for folks who are teaching English in Vietnam, Cambodia and other exotic destinations.

Based in Southeast Asia, Luma Health specialises in travel and medical insurance for folks who venture to Vietnam, Cambodia, Laos, Myanmar, Thailand, Philippines, Malaysia, Brunei, Singapore and Indonesia for leisure or employment. Unlike most travel insurance companies, Luma Health is on the ground in Southeast Asia and AVSE-TESOL has direct contact with the decision makers if you experience difficulties.

Luma Health doesn’t claim to be the cheapest Travel and Medical Insurance provider in the world, but quality insurance cover, as with everything, comes at a cost. In addition, no two people are the same and consequently due diligence is imperative before taking out any insurance product.

Here’s some good news! AVSE-TESOL has painstakingly sifted through the various insurance options that Luma Health thought would be a good match for our TESOL students and we’re delighted to present two options for your consideration – among other things, both options come with comprehensive coverage for Covid 19: 1. the Luma Asean Pass, and 2. the Luma Vietnam Pass. Let’s have a closer look at both of these options.

Option One: Luma Asean Pass

The Luma Asean Pass will suit TESOL students who initially travel to Vietnam or Cambodia, but intend explore any, or all of, the following exotic destinations while they’re in the neighbourhood: Brunei, Indonesia, Laos, Malaysia, Myanmar, the Philippines, Singapore, Thailand.

The minimum timeframe for the Luma Asean Pass is one week and the maximum timeframe is six months. It is possible to obtain coverage with a Luma Asean Pass for a further 180 days, but you will need to be outside of Southeast Asia when you take out a new policy. Depending on the inclusions that will meet your personal needs, the Luma Asean Pass will cost somewhere between US $50.00 and US $880.00. If you’d like to know more about the Luma Asean Pass or purchase the insurance product – with AVSE-TESOL in your corner – you can click on the link below.

Option two: Luma Vietnam Pass

The Luma Vietnam Pass will suit TESOL students who are looking for Travel and Medical Insurance in Vietnam only. Does this sound like you? “Yes”, I hear you say. No problem, you’ll just need to remember to take out additional coverage if you decide to venture outside of Vietnam at some stage while you’re teaching abroad.

The minimum timeframe for the Luma Vietnam Pass is one week and the maximum timeframe is six months. Similar to the Asean Pass, it is possible to invest in a Luma Vietnam Pass for a further 180 days, but you will need to be outside of Vietnam when you take out a new policy. The Luma Vietnam Pass will cost somewhere between US $18.00 and US $270.00, depending on the inclusions that will meet your personal needs. If you’d like to know more about the Luma Vietnam Pass or purchase the insurance product – with AVSE-TESOL batting for you if necessary – you can click on the link immediately below.

Application process

The application process for the Luma Asean Pass and the Luma Vietnam Pass is simple and straightforward. It can be completed online without uploading documents. The policy certificate that applies for the duration of your trip will be emailed to you immediately after your online payment is received. Importantly, if you want AVSE-TESOL advocate on your behalf with Luma Health in the event of a claim, use one of the two links that appear on this page.

When you’re working in a foreign country, it’s comforting to know that with a worst case scenario,  you have a high-quality Travel and Medical insurance policy to call upon and you’ll be taken care of by highly trained professionals. Finalise your Travel and Medical Insurance with AVSE-TESOL and Luma Health today.