Even better insurance

To make sure you have exciting and safe experiences right here in Latvia, your X Business credit card will have additional insurance coverage. 

Covid-19 illness insurance
When traveling with X Business credit card, you will be protected if Covid-19 illness is found abroad. If you need medical help, you will be reimbursed for medical expenses, expenses of replacement tickets if you can't return to the scheduled time due to hospitalization, medical evacuation. From 01.04.2021. the maximum limit for the amount of insurance for the risk “COVID-19 illness” has been changed. All insurance terms in Travel insurance contract.

Until 30.09.2021. the insurance of the bicycle policy, help package for your home and short trips in Latvia are extended.

Bike policy  
This will protect you when you go out on bike rides. The bike will be insured against damage and the risk of theft. Civil liability is also insured, if losses to third parties are caused by your bicycle during your ride. 

Help package for your home
Staying at home is now safe. In unexpected situations, your property will be protected, offering help in avoiding or limiting damage resulting from sudden accidents.

The following services are available in unexpected situations: 

  • Consultations by phone 26121212;
  • Key service, if you are locked in or out of your property; 
  • Carpentry services; 
  • Plumbing services; 
  • Liquid disposal services; 
  • Security services; 
  • Electrician services. 

Travels in Latvia
Now even better terms for travel within Latvia. When you travel 50km from your home and stay 1 night in paid or previously-reserved accommodation, you are insured against accidents, medical expenses, theft of cash, as well as your rental car deductible! 

More on bicycle insurance
More on help packages for your home

Travel insurance

Insured amounts when travelling abroad:

Medical expenses* incl. cost of medicine 75 000 EUR
Dental work 150 EUR
Medical transport 75 000 EUR
Repatriation in case of death 75 000 EUR
Patient repatriation 75 000 EUR
Expenses for person accompanying the victim 3 000 EUR
Accident insurance 15 000 EUR
Medical transport in country of residence 500 EUR
Travel expenses for arriving family members 3 000 EUR
Medical aids 200 EUR
Loss, damage, theft of baggage 1 000 EUR
Baggage delay 250 EUR
Travel document insurance (passport, ID card, driving license) 200 EUR
Flight delay, missed transfer, place on flight declined 250 EUR
Cancellation, disruption of trip 700 EUR
Missed trip due to traffic accident 750 EUR
Phone call expenses 50 EUR
Civil liability 10 000 EUR
Legal fees 1 500 EUR
Theft of money and robbery 100 EUR
Rental car CASCO deductible insurance 1 500 EUR
Theft of car keys 500 EUR

* If the incident occurs in Turkey, Egypt, Greece, Spain, Bulgaria, Thailand or Russia, you must use the AAS BTA Baltic Insurance Company Client Support Service to organise support, bearing in mind the service’s recommendations for choice of medical institution.

Insured amounts when travelling in country of residence:

Travel document insurance (passport, ID card, driving license 200 EUR
Patient repatriation 3 000 EUR
Repatriation in case of death 3 000 EUR
Trip cancellation 100 EUR
Trip cancellation if the aim of the trip is a play or concert 300 EUR
Theft of money and robbery during travels 100 EUR
Accident insurance 2 500 EUR

Total amount covered during travels – 75 000 EUR



Purchase protection against theft, damage and defects for up to 120 days and 20 000 EUR


If you need the advice of an insurance specialist, a consultation, or you wish to report an incident, call the AAS BTA Baltic Insurance Company Client Support Service at any time on their 24 hour phone line for Citadele clients: +371 27774492, or email assist@bta.lv

The Citadele Bank call centre is at your service 24 hours a day every day. They will explain the terms of your insurance and help you answer any question. Call +371 67010000.