Even better insurance

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

Covid-19 illness insurance

When travelling with an X Infinite card, you and your family will be protected if you fall ill with COVID-19 abroad.

  • If you have purchased a trip, but have to cancel it due to Covid-19 mandatory isolation and cannot get refund or reschedule your trip, then the insurance will pay the costs for the missed travel within the limits.
  • If Covid-19 occurs during the trip, the hospital treatment costs will be reimbursed. If hospitalisation is not required, the change of home flight tickets and accommodation costs abroad will be compensated within the limit.
  • If entering a country does not require a Covid-19 test, it does not have to be carried out for the insurance to work. However, you must comply with all testing conditions in a given country: if testing is required to enter the country, the test must be carried out. All insurance terms in Travel insurance contract.

Until 31.12.2021. the insurance of the bicycle policy, help package for your home and short trips in Latvia are extended.

Bike policy
This will protect you and your family 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

Important to know before your travel

X Infinite card users receive travel insurance free of charge, travelling worldwide, incl. Latvia (more than 95 km away from the place of usual residence and when paying the hotel for not less than 2 nights).

What is insured?

Medical risks
Medical expenses, dental assistance expenses, transportation costs, purchase or rent of temporary medical aids.
When traveling abroad, you no longer have to worry about purchasing travel insurance because your X Infinite will cover medical expenses. In case of sudden illness or accident, you will be reimbursed for medical treatment abroad.

Cancellation and interruption of travel

You can feel protected even in situations where the trip is not on schedule, because your X Infinite card compensates you for travel inconvenience in the event of delay or loss of baggage, delay or cancellation of the flight, if due to weather conditions or other the reason you are late for the transfer, or because of theft or loss you need to restore your passport or ID card. The baggage delay risk insurance cover takes effect if baggage claim is delayed by more than 3 hours from the time you arrive – not only at the destination, but also at the intermediate stage of the trip.
You will not need to worry about the costs associated with the cancellation of the trip (tickets for transport and hotel reservations), if you cannot travel due to a sudden illness (sick leave for at least 10 days

Covered deductible under car rental contract

You will be refunded the deductible, which the rental company is holding back from you for unintentional and unforeseen physical damage caused to the rental car. Insurance coverage does not apply to cars rented by family members.
Legal assistance: If you accidentally violate national laws during the trip, thereby causing damage to a third party and you need legal assistance, X Infinite insurance will reimburse a lawyer's fee of up to 1000 EUR.

Important to remember!

Before traveling to European countries, make sure you have a valid European Health Insurance Card (EHIC). If you do not yet have EHIC, or it is expired, you can order the card electronically, free of charge, and receive the card by mail later.
Travel insurance is also valid if the trip is not paid with your X Infinite.
Insurance is valid for the first 90 calendar days of each trip, while the number of trips per year is not limited.
Insurance cover is valid for payment card users up to 80 years of age (inclusive).

Insurance for purchases

Important to know about purchase insurance

Shop safely! Every purchase made with an X Infinite card is insured against theft or damage for 120 days from the date of purchase. Your X Infinite card purchases are also insured against price risk and warrant an extended warranty on electrical equipment.
Regardless of where you make your purchase - in Latvia, the Internet or anywhere else in the world, your deductible in the event of theft, defect or damage is only 50 EUR, while the remaining purchase value up to 1 500 EUR will be covered by X Infinite Card Purchase Insurance. The insurance was active for 120 days from the date of purchase.
Losses that you may incur in the event of theft of your payment card will now also be insured.

Price protection
If, within 30 days of purchase, the purchase of an identical item at an alternative retailer is possible at a lower price than you paid for it and the price difference is more than 20 EUR, the purchase price insurance refund will be refunded to you. Price protection insurance operates in Latvia (for residents of Latvia) or in the country of residence of the card holder.

Extended warranty on electrical equipment
The extended warranty period is one year after the manufacturer's warranty expires. The warranty covers the cost of repair or replacement of the item under the same conditions as stated in the manufacturer's factory warranty for the item.

Risk of non-delivery
If the order is not delivered within 90 days from the date of purchase and payment of the item, you will be reimbursed for the purchase of the item as part of your purchase insurance. Insurance coverage applies to goods priced above EUR 20 and you have received proof of delivery and refusal by the seller to refund the purchase price.


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 27772261, or email assist@bta.lv

You also can use a a Citadele Concierge service that will explain the insurance terms and help you with any questions you may have. Just call +371 6710 7610.