Travel insurance

• Emergency medical services for acute health deterioration due to illness or accident – includes doctor consultations, medication, diagnostics, outpatient or inpatient treatment, dental care, medical aids, costs for a relative to visit in case of a critical condition, medical transport from the incident location to a healthcare facility, and rescue services.
• Daily allowance for hospitalization.
• Reimbursement of phone calls with the insurer or assistance service.
• Repatriation expenses – includes transportation of the insured person or their remains to Latvia, transportation expenses for an accompanying person, burial abroad, and expenses for arranging necessary documents and permits.
• Medical expenses and transport within the home country.

Replacement of damaged clothing with newly purchased items or cleaning of clothing if, as a result of an incident or during emergency assistance, they are damaged or soiled.

• Insurance of passport, personal identification card (eID), driver’s license, and vehicle registration certificate – compensation for expenses related to document replacement upon return from the trip and/or obtaining a replacement document abroad.
• Cash insurance – compensation for financial losses.

• Trip cancellation or interruption
• Trip cancellation due to unemployment
• Missed trip due to a traffic accident
• Replacement of delayed flight
• Flight delay
• Missed connecting flight
• Missed hotel days
• Expenses due to visa denial
• Cancellation due to natural disaster
• Denied boarding on flight

Compensation to relatives in case of death or to the insured in case of disability.

• Baggage delay – reimbursement of expenses for essential items, toiletries, and climate-appropriate clothing.
• Baggage damage or loss – compensation for damaged or lost baggage.
• Baggage theft during travel – compensation for stolen baggage.

Compensation for damages you may unintentionally cause to others during travel (bodily injury or damage to property belonging to a third party).

• Legal expenses for legal assistance related to a third-party claim against the insured person if they unintentionally violated regulations during travel, resulting in losses for the third party.
• Translation services – expenses for interpreter services for translating documents issued by state institutions, if these are related to the risk of travel documents or the occurrence of legal expenses.

Expenses related to the substitution of the insured (tickets and hotel costs) by another colleague if your employee is unable to continue their planned work duties during the business trip.

• All payment receipts, certificates, and medical records, including doctor’s recommendations if medical assistance was received.
• Certificates from the travel agency and medical institution, confirming the reason for the trip’s cancellation or interruption.
• Other documents (photos, correspondence, confirmations, etc.) that allow us to verify the occurrence of the claim event.

• Repatriation and medical transportation expenses to return to Latvia for continued treatment.
• Transportation expenses for accompanying persons (medical specialist or relative) if their presence is necessary during transportation as per the treating physician’s recommendation.
• Transport and accommodation expenses for relatives if the insured person’s health condition does not allow transportation.
• Expenses for returning to the home country if the insured person is a child under 16 years old who has been left without adult supervision.
• Repatriation in case of death or burial expenses abroad.