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Multi-trip travel insurance for active travellers

One insurance for multiple trips throughout the year – protect yourself and your family from unexpected expenses. Travel at your own pace, because that's how the best stories begin.

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Travel all year round with insurance coverage.

No need to spend time purchasing travel insurance before every trip.

Coverage for a wide range of travel risks.

Protection from the start of your journey until you return home, including the most common travel-related risks.

Family protection

Insure your family members even when you travel separately.

Service provided by ERGO Insurance SE Latvijas filiāle, which is represented by insurance agent AS Citadele Banka. Before arranging insurance, please carefully read the insurance terms and conditions, the Product Information Document and the pre-contractual information to be provided prior to the conclusion of the insurance contract.

3 YES? Then this insurance is for you!

  • Do you travel frequently and don’t want to think about purchasing travel insurance before every trip?
  • Do you value convenience? View your coverage details and submit claims in one place through the Citadele mobile app.
  • Do you lead an active lifestyle? Choose travel insurance with comprehensive coverage.
Buy in app Buy in app

Important:

  • You can buy policy, if you are at least 18 years old.
  • Subscribe to insurance for a year and cancel whenever you want. The insurance premium is charged automatically from your selected account once a month.
  • You have the right to cancel your agreement within the first 14 days of signing, in which case all payments are reimbursed.
  • You can apply for compensation in Citadele app: More > Insurance > My insurance.
  • The coverage is valid worldwide, except in Russia, Belarus, and Israel.

Choose the insurance plan and programme that best suits your needs

Protection from the start of your journey until you return home, covering the most common travel risks.

Standard Premium
Individual program Insure yourself and/or another person traveling with you or separately. 6.90 EUR/month per person 11.75 EUR/month per person
Family program Insure your family even if you do not always travel together. 16.50 EUR/month 32.40 EUR/month
Individual program
Insure yourself and/or another person traveling with you or separately.
Standard Premium
6.90 EUR/month per person 11.75 EUR/month per person
Family program
Insure your family even if you do not always travel together.
Standard Premium
16.50 EUR/month 32.40 EUR/month
Travel insurance risks Standard Premium
Sum insured, EUR
Medical treatment 75 000 125 000
Medical expenses 75 000 125 000
Dentistry 350 500
Medical aids 250 500
Repatriation in case of Illness / Death 75 000 125 000
Med.Transport Abroad 75 000 125 000
Med.Transport in Country of Residence 375 625
Travel and Accomodation of a relative 11 250 18 750
Companion Expenses 11 250 18 750
Funeral Expenses Abroad 11 250 18 750
Phone call expenses 250 500
Transport costs to continue the Trip 750 1250
Child Evacuation 11 250 18 750
Travel insurance risks
Standard Premium
Sum insured, EUR
Medical treatment
75 000 125 000
Medical expenses
75 000 125 000
Dentistry
350 500
Medical aids
250 500
Repatriation in case of Illness / Death
75 000 125 000
Med.Transport Abroad
75 000 125 000
Med.Transport in Country of Residence
375 625
Travel and Accomodation of a relative
11 250 18 750
Companion Expenses
11 250 18 750
Funeral Expenses Abroad
11 250 18 750
Phone call expenses
250 500
Transport costs to continue the Trip
750 1250
Child Evacuation
11 250 18 750
Travel insurance risks Standard Premium
Sum insured, EUR
Accidents 10 000 20 000
Death 10 000 20 000
Permanent Disability 10 000 20 000
Travel insurance risks
Standard Premium
Sum insured, EUR
Accidents
10 000 20 000
Death
10 000 20 000
Permanent Disability
10 000 20 000
Travel insurance risks Standard Premium
Sum insured, EUR
Private liability 5000 10 000
Travel insurance risks
Standard Premium
Sum insured, EUR
Private liability
5000 10 000
Travel insurance risks Standard Premium
Sum insured, EUR
Baggage insurance 500 2400
Damage or loss (carrier’s fault) 200 1000
Delay (carrier’s fault) 100 400
Theft 200 1000
Travel insurance risks
Standard Premium
Sum insured, EUR
Baggage insurance
500 2400
Damage or loss (carrier’s fault)
200 1000
Delay (carrier’s fault)
100 400
Theft
200 1000
Travel insurance risks Standard Premium
Sum insured, EUR
Electronics insurance - 1000
Damage - 500
Theft - 500
Travel insurance risks
Standard Premium
Sum insured, EUR
Electronics insurance
- 1000
Damage
- 500
Theft
- 500
Travel insurance risks Standard Premium
Sum insured, EUR
Trip cancellation, interruption, delay 1000 4000
Cancellation 250 1000
Interruption 250 1000
Delay 250 1000
Missed connection 250 1000
Travel insurance risks
Standard Premium
Sum insured, EUR
Trip cancellation, interruption, delay
1000 4000
Cancellation
250 1000
Interruption
250 1000
Delay
250 1000
Missed connection
250 1000
Travel insurance risks Standard Premium
Sum insured, EUR
Travel documents 200 300
Travel insurance risks
Standard Premium
Sum insured, EUR
Travel documents
200 300
Travel insurance risks Standard Premium
Sum insured, EUR
Flight delay or cancellation 250 1000
Travel insurance risks
Standard Premium
Sum insured, EUR
Flight delay or cancellation
250 1000
Travel insurance risks Standard Premium
Sum insured, EUR
Ski equipment damage due to accident - 100
Travel insurance risks
Standard Premium
Sum insured, EUR
Ski equipment damage due to accident
- 100
Travel insurance risks Standard Premium
Sum insured, EUR
Ski lift pass insurance - 100
Travel insurance risks
Standard Premium
Sum insured, EUR
Ski lift pass insurance
- 100
Travel insurance risks Standard Premium
Sum insured, EUR
Rental vehicle Excess insurance - 1500*
Travel insurance risks
Standard Premium
Sum insured, EUR
Rental vehicle Excess insurance
- 1500*

* The excess for all risks is 0 EUR, except for Rental vehicle Excess insurance, where the excess is 100 EUR.

Need help?

Get instant answers to your questions 24/7 from our website help tool: our virtual financial consultant, Adele.

You can submit a multi-trip insurance claim through the Citadele app. Log in, go to the Services screen, and click on Insurance > Multi-trip Travel Insurance > Submit a claim.

You can terminate your multi-trip insurance through the Citadele app. Log in, go to the Services screen and click on Insurance > Multi-trip Insurance > Terminate Insurance.

A decision on your claim will be made and sent to you no later than 5 working days from the day we receive all necessary documentation. These documents are important for establishing the reasons, circumstances and consequences of the incident, and for calculating the amount of compensation.

Yes. The insurance covers trip cancellation if the policy has been purchased at least 72 hours before the planned start of the trip.

ERGO Travel Insurance for AS Citadele banka customers – Terms and Conditions (effective from 01.04.2026) – here.

Yes. The insurance covers the sports activities listed in Appendix No. 2 of the insurance terms and conditions. In addition, the Premium program includes coverage for extreme sports. 

ERGO Travel Insurance for AS Citadele banka customers – Terms and Conditions (effective from 01.04.2026) – here.

Yes. Baggage insurance is included in the coverage, including compensation for baggage delay or loss caused by the carrier.

ERGO Travel Insurance for AS Citadele banka customers – Terms and Conditions (effective from 01.04.2026) – here.

Yes. By choosing the Family program, coverage also applies to your spouse or partner living in the same household, as well as children, grandchildren up to and including 21 years of age, and parents, even if they travel separately.

The Standard and Premium program offer different insurance risks and coverage limits, allowing you to choose the level of protection that best suits your needs.

You can submit a multi-trip insurance claim through the Citadele app. Log in, go to the Services screen, and click on Insurance > Multi-trip Travel Insurance > Submit a claim.

You can terminate your multi-trip insurance through the Citadele app. Log in, go to the Services screen and click on Insurance > Multi-trip Insurance > Terminate Insurance.

A decision on your claim will be made and sent to you no later than 5 working days from the day we receive all necessary documentation. These documents are important for establishing the reasons, circumstances and consequences of the incident, and for calculating the amount of compensation.

Yes. The insurance covers trip cancellation if the policy has been purchased at least 72 hours before the planned start of the trip.

ERGO Travel Insurance for AS Citadele banka customers – Terms and Conditions (effective from 01.04.2026) – here.

Yes. The insurance covers the sports activities listed in Appendix No. 2 of the insurance terms and conditions. In addition, the Premium program includes coverage for extreme sports. 

ERGO Travel Insurance for AS Citadele banka customers – Terms and Conditions (effective from 01.04.2026) – here.

Yes. Baggage insurance is included in the coverage, including compensation for baggage delay or loss caused by the carrier.

ERGO Travel Insurance for AS Citadele banka customers – Terms and Conditions (effective from 01.04.2026) – here.

Yes. By choosing the Family program, coverage also applies to your spouse or partner living in the same household, as well as children, grandchildren up to and including 21 years of age, and parents, even if they travel separately.

The Standard and Premium program offer different insurance risks and coverage limits, allowing you to choose the level of protection that best suits your needs.