What are people's experiences with Luma insurance and how to address delays in receiving a policy?

bought policy 2 days ago payment taken but still no policy been on fb chat all day tried numerous times to resolve matter i gave up grrr going to get the mrs to ring from there another thing is tuneipass same company as luma ? payments came from another sourse also weird

There are a couple of issues with Luma that I have found number one is that if you need to change the dates of your insurance you can only change the start date you cannot change the end date if you want to change the end date you have to cancel your insurance and wait up to 30 days for a refund and you have to purchase new insurance

The second issue is I believe it only covers you once you land in Thailand so you're not covered on your trip to Thailand or your trip home that can be an issue if your home country test you upon return or any airport test you and quarantined you en route

For almost 4 years, Excellent customer service

I have it. Just attach page 3 ("original of receipt") of the file with all the numbers in it.