Free travel insurance

For the whole family of the user of Citadele credit card MasterCard Gold for travelling abroad

If you are a holder of active and valid Citadele credit card MasterCard Gold, you don’t have to buy separate travel insurance, when planning to travel outside from your country of residence. Card users are insured as soon as they leave their country of residence regardless of whether the trip was paid for using the relevant credit card (except for a few risks, upon occurrence of which, payment with the credit card is mandatory). Purpose of the travel may be business, studies, leisure or other. Insurance applies to the first 90 calendar days of each trip, while the number of trips on annual basis is unlimited.

Family members of the credit card user (spouse and children aged up to 18, if the family travels together) are also insured. Insurance premiums should be referred to the payment card users aged up to 80 (exclusive). Clients aged over 80 are not insured. Expenses occurred not only due to sudden illness and accidents, but also expenses related to exacerbation of chronic diseases (for example, stroke, heart attack, asthma etc.) will be covered for the users of both the basic and additional cards. If several members of the same family take a trip at the same time, insurance amounts are divided in proportion per person.

Insurance amount limits EUR
Total insurance amount 100'000
Legal aid (Paid services of a lawyer/advocate/interpreter provided to a tourist abroad, if he/she has unintentionally failed to observe national traditions, norms or laws resulting in problems) 1'500
Medical expenses (Purchase of medication, X-rays, tomography etc., emergency surgery, bandages, transportation to the hospital, emergency dentistry) 75'000
Dentistry expenses 150
Medical transport 30'000
Repatriation (transportation of remains to the country of residence) 10'000
Expenses for the victim’s accompanying person 3'000
Medical evacuation (transportation of the insured person (tourist) to the country of residence, for example, severe fractures, condition of heart attack/stroke etc.) 15'000
Delay of luggage (personal items, clothing, souvenirs, hygiene products, skiing equipment etc.) exceeding 4h (Expenses occurred for the purchase of clothing adequate to climate, basic necessities, hygiene products are reimbursed) 200
Loss or damage of luggage (personal items, clothing, souvenirs, hygiene products, skiing equipment etc.) (Expenses occurred in relation to loss of luggage due to the carrier’s fault are reimbursed upon reception of respective confirming carrier’s statement.) 1'000
Flight delay, cancellation, denied boarding (Expenses for meals, hotel and transfer services are reimbursed.) 200
Late arrival to flight due to road traffic accident (Expenses for the purchase of new plane ticket and losses for the unused days in the paid hotel, if the road traffic accident results in client’s failure to take the scheduled flight, as well as expenses for overnight stay until departure are reimbursed.) 500
Inconsistency of departure and arrival times (Expenses for meals, refreshing drinks, hotel and taxi expenses to/from the hotel are reimbursed, subject to payment by Citadele MasterCard Gold credit card.) 200
Loss or theft of identity document (passport or ID card) (Expenses related to stay, meals, transport for the purpose of renewal of documents are reimbursed.) 250
Accident insurance including death or disability 10'000
Third-party liability insurance (Insurance covering losses caused to third party (including losses caused by a child aged up to 12), for example, during skiing, a traveller collides with other skier, who must seek medical help. Without third-party liability insurance, all the medical expenses should be covered by the guilty traveller.) 10'000

What needs to be done in case of an accident, when one of the travel insurance risks has occurred?

Since insurance is offered by BTA Insurance Company SE, for the purposes of the quick and professional help, BTA Help desk for clients of Citadele must be contacted. You will receive operative help or consultations on further actions upon occurrence of an insurance event abroad. Employees of BTA will help you to settle formalities related to medical institutions, provide a written payment guarantee for the medical services, thus, preventing you from spending your own funds, as well as provide assistance in resolution of various other matters.

If you are located in Latvia or abroad (except for the calls from the countries listed below), call:
+371 220 555 22
+371 278 189 99
+371 261 212 12
Fax: +371 67025079
E-mail: assist@bta.lv

While in Turkey, Greece, Egypt or Bulgaria, in case of sudden illness or accident, medical help must be sought at the BTA partners only, since this is the only way for BTA to guarantee free service and avoid problems related to doctors and clinics.
Turkey: +90 242 310 4444
Egypt: +20 122 104 2743
Bulgaria: +359 529 198 27
Greece: +30 289 704 1777
Belarus: +375 291 036 424 
Ukraine: +38 050 842 0303
Russia: +7 495 989 1120
Spain: +34 931 702 286

In order to qualify not only for Reimbursement of medical expenses in case of accident, but also for Accident insurance, you have to acquire a document confirming the fact of accident and consequences, for example, a doctor’s statement with included diagnosis.

If you have spent your personal funds in relation to the accident, for the purposes of reimbursement, after returning to Latvia, you have to submit to BTA a submission on insurance event and confirming documents as soon as possible:

  • original copies of all receipts and invoices,
  • documentation justifying reimbursement – statements issued by medical institutions, confirmation on delay, damage or loss of luggage issued by the airline, documents issued by law enforcement institutions etc., pursuant to terms and conditions of travel insurance.

Terms and conditions of travel insurance (in Latvian)

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