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Travel insurance protects you from unexpected expenses during your trip caused by various unforeseen complications — these can include changes in travel plans, accidents or illnesses and related medical costs, lost luggage, and more. Travel insurance does not cover known or planned medical expenses.
The insurance is valid for the period specified in the policy and only while abroad. Therefore, it does not cover medical treatment costs in Latvia that may arise following an accident abroad. It is important to note that travel insurance covers only emergency medical care expenses (including outpatient and inpatient treatment) where failure to provide such care could endanger the insured person’s life.
Healthcare expenses and emergency medical services
Ambulance and medical transport
Transportation costs, repatriation to the home country, and emergency situations involving the arrival and accompaniment of relatives
Death or permanent disability resulting from an accident
Lost, delayed, or damaged luggage
Travel cancellation, trip interruption, or delays
Civil liability insurance (pays for unintentional damages to third parties or their belongings)
Legal aid
Document damage, loss, or theft and passport replacement while abroad
Expenses related to treatment if the trip was undertaken specifically for medical purposes; congenital and chronic illnesses or those that began while still at the permanent residence; plastic surgeries; psychiatric and oncological treatments; planned surgeries; alternative treatment methods; services not prescribed by a doctor; and similar exclusions
If the traveler fails to provide necessary documentation or intentionally gives false information
Non-compliance with the insurance policy terms by the traveler
If the injured party was under the influence of alcohol, narcotics, or psychotropic substances at the time of the accident, compensation will not be paid. Compensation will be denied if the insured was intoxicated at the time of the incident and this is deemed a contributing factor to the accident. However, in some cases of travel insurance, insurers allow a blood alcohol concentration of up to 0.5‰, but this must be confirmed by contacting the insurer or reviewing the insurance terms
Damages resulting from natural catastrophes, warfare, terrorism, emergencies, civil unrest, strikes, or protests and their aftermath. Check with your insurer about adding coverage for these risks to your policy
The European Health Insurance Card (EHIC) provides Latvian residents the opportunity to receive paid emergency and necessary medical care in EU countries, European Economic Area member states, and Switzerland, by paying the patient contribution required in the respective country. The EHIC is valid only at healthcare institutions that provide state-guaranteed medical services.
On the other hand, travel insurance offers medical assistance for sudden illnesses or accidents where the required level of care significantly exceeds what the country’s healthcare system guarantees and what the EHIC covers (e.g., patient co-payments, repatriation). Therefore, EHIC and travel insurance policies complement each other.
The EHIC can be obtained free of charge from the National Health Service. More detailed information is available on the NHS website.
It’s convenient when travel insurance is purchased together with a travel agency’s tour package; however, these policies usually include standard services. Therefore, it’s important to carefully review the policy terms and assess whether the coverage is sufficient
If insurance is included as part of a bank credit card package, before traveling, you should contact the insurer providing the service or the bank to clarify key questions: whether the travel insurance applies only if the trip is purchased with the specific bank card or in other cases as well; which risks the policy covers, especially if physical activities are planned during the trip
Insurance does not cover incidents that have already happened; the policy must be bought before the trip and cover the full travel period
Standard policies typically do not cover physical activities such as mountain climbing, skiing, surfing, diving, motorcycling, and other activities popular among active travelers abroad. These activities require special insurance. Additionally, it’s important to clarify exactly what the insurer covers—for example, there might be cases where first aid is provided during a mountain accident, but rescue transportation is not covered, meaning you may have to pay those costs out of pocket
Travel insurance should always be kept with your other important documents—not tucked away in a hotel safe or a side pocket of your suitcase. People who have experienced accidents abroad often say that the first question they ask upon regaining consciousness is, “Do you have an insurance policy?”
Before traveling, it is important to learn about the current political-military and epidemiological situation in the destination country, as well as other safety-related conditions during your trip! More information can be found on the Latvian Ministry of Foreign Affairs website under the “Consular Information” section, specifically in “Travel Safely.”
If possible, we recommend postponing travel to countries where a state of emergency or martial law has been declared.
Assess the incident and do your utmost to limit the accident’s effects!
Inform your insurer and call the 24/7 hotline if needed! Many insurers’ policies specify that prior authorization from the insurer is required before accessing certain services.
Keep and submit all documents related to the insurance event, such as medical certificates, police or airport reports, receipts, invoices, and others.
Photographs should be taken if needed!
Compare offers from multiple insurers, choose the right policy for your needs and budget, and get timely reminders when it’s time to renew.
Brokers are independent — they compare offers from multiple insurers and help you find the best price and conditions for your specific needs.
Brokers focus on what’s right for you — not just the lowest price. They’ll help you understand exactly what’s included in your policy and what’s not.
In case of an accident, your broker handles the claim and stands by your side with the insurer.
Compare offers from multiple insurers, choose the right policy for your needs and budget, and get timely reminders when it’s time to renew.
Brokers are independent — they compare offers from multiple insurers and help you find the best price and conditions for your specific needs.
Brokers focus on what’s right for you — not just the lowest price. They’ll help you understand exactly what’s included in your policy and what’s not.
In case of an accident, your broker handles the claim and stands by your side with the insurer.
