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Insurance for every trip worldwide

The specified limit refers to one case, not a time period.

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Insured purchases

Purchase insurance 180 days from the time the purchase was made.

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No additional costs

All benefits already included in monthly fee of the card.

Travel insurance

X supreme

X prime

X Infinite

Insured risks Maximal insured amount per case per one card*
Family members' insurance - Spouse or cohabiting partner, parents, children and grandchildren under the age of 21 traveling together Spouse or cohabiting partner, parents, children or grandchildren under the age of 21 traveling together
Medical expenses (emergency dental care, purchase of medicines, medical evacuation, repatriation, COVID-19) 75 000 EUR 125 000 EUR 300 000 EUR
Travel insurance in the home country**
Luggage insurance:
- delay
- loss, damage, theft
100 EUR 400 EUR 750 EUR
Travel inconvenience insurance
- cancellation, suspension of travel, including due to COVID-19 illness
- delay of travel
- missing your transit
- 1000 EUR 1500 EUR
Flight delay 250 EUR 1000 EUR 1500 EUR
Self-risk coverage under vehicle hire agreement - 1500 EUR 3000 EUR
Sport*** Sport activities of any kind, except extreme sport Sport activities of any kind, including extreme sport activities such as mountain skiing and snowboarding, surfing, underwater diving, yacht sports, quad-cycling, motorcycle or snowmobile riding, hockey, deltaplane ride, parachuting, kite surfing Sport activities of any kind, including extreme sport activities such as mountain skiing and snowboarding, surfing, underwater diving, yacht sports, quad-cycling, motorcycle or snowmobile riding, hockey, deltaplane ride, parachuting, kite surfing
Accidents 10 000 EUR 20 000 EUR 50 000 EUR
Total travel insurance amount 75 000 EUR 125 000 EUR 300 000 EUR
Apply for X supreme Apply for X prime Contact your private banker

X supreme

Insured risks Maximal insured amount per case per one card*
Family members' insurance -
Medical expenses (emergency dental care, purchase of medicines, medical evacuation, repatriation, COVID-19) 75 000 EUR
Travel insurance in the home country**
Luggage insurance:
- delay
- loss, damage, theft
100 EUR
Travel inconvenience insurance
- cancellation, suspension of travel, including due to COVID-19 illness
- delay of travel
- missing your transit
-
Flight delay 250 EUR
Self-risk coverage under vehicle hire agreement -
Sport*** Sport activities of any kind, except extreme sport
Accidents 10 000 EUR
Total travel insurance amount 75 000 EUR
Apply for X supreme

X prime

Insured risks
Family members' insurance Spouse or cohabiting partner, parents, children and grandchildren under the age of 21 traveling together
Medical expenses (emergency dental care, purchase of medicines, medical evacuation, repatriation, COVID-19) 125 000 EUR
Travel insurance in the home country**
Luggage insurance:
- delay
- loss, damage, theft
400 EUR
Travel inconvenience insurance
- cancellation, suspension of travel, including due to COVID-19 illness
- delay of travel
- missing your transit
1000 EUR
Flight delay 1000 EUR
Self-risk coverage under vehicle hire agreement 1500 EUR
Sport*** Sport activities of any kind, including extreme sport activities such as mountain skiing and snowboarding, surfing, underwater diving, yacht sports, quad-cycling, motorcycle or snowmobile riding, hockey, deltaplane ride, parachuting, kite surfing
Accidents 20 000 EUR
Total travel insurance amount 125 000 EUR
Apply for X prime

X Infinite

Insured risks Maximal insured amount per case per one card*
Family members' insurance Spouse or cohabiting partner, parents, children or grandchildren under the age of 21 traveling together
Medical expenses (emergency dental care, purchase of medicines, medical evacuation, repatriation, COVID-19) 300 000 EUR
Travel insurance in the home country**
Luggage insurance:
- delay
- loss, damage, theft
750 EUR
Travel inconvenience insurance
- cancellation, suspension of travel, including due to COVID-19 illness
- delay of travel
- missing your transit
1500 EUR
Flight delay 1500 EUR
Self-risk coverage under vehicle hire agreement 3000 EUR
Sport*** Sport activities of any kind, including extreme sport activities such as mountain skiing and snowboarding, surfing, underwater diving, yacht sports, quad-cycling, motorcycle or snowmobile riding, hockey, deltaplane ride, parachuting, kite surfing
Accidents 50 000 EUR
Total travel insurance amount 300 000 EUR
Contact your private banker

Travel insurance is valid for the first 90 calendar days per trip, while the number of trips per year is not limited. Travel insurance amounts are attributed to X card users under 80 years of age (included). Customers over 80 are not insured.
* The table provides informative content. The amount payable is calculated according to the insurance terms and conditions. Please read insurance terms and conditions before your trip.
** Insurance for local travel is valid when travelling more than 80 km from your home residence and paying for accommodation for at least 2 days. Within the trip in home country the following risks are in force: Medical Expenses Insurance, Accident Insurance and Trip Cancellation, Interruption and Delay Insurance, Your trip within the Home Country.
*** Insurance is not valid if you participate in competitions of sports as a professional athlete.

For cards X supreme, X prime, X Infinite


The card provides coverage for medical expenses. You will be reimbursed for treatment abroad in case of sudden illness or accident, including a doctor's visit, medication, emergency surgery, emergency dentistry, pregnancy complications, purchase of technical medical aids, and in case of COVID-19.
If the insurance event has occurred in the USA, Bulgaria, Greece, Egypt, Russia, Belarus, Spain, Thailand or Turkey, please consult the insurer or its partner before choosing the medical institution.
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For cards X prime and X Infinite


The card covers the cost of cancelling your trip for transport and lodging if you are unable to travel due to a sudden illness, including Covid-19, or accident. If your luggage is delayed (for more than 2 hours), the purchase of essential goods will be reimbursed, as well as the purchase of travel-oriented items such as climate-appropriate clothing or rental of sports equipment.
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For cards X prime and X Infinite


The card covers sports activities of any kind, including extreme sport activities for the card user and his/her family members: mountain skiing and snowboarding, surfing, underwater diving, yacht sports, quad-cycling, motorcycle or snowmobile riding, hockey, deltaplane ride, parachuting, kite surfing. Insurance is not valid if the customer participates in competitions of sports as a professional athlete.
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For cards X prime and X Infinite


If your rental vehicle suffers damage during your trip and you have purchased CASCO insurance when renting the vehicle, then your card insurance will cover a self-risk limit of up to 1500 EUR for X prime and up to 3000 EUR for X Infinite card.
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City Combo

For cards X supreme, X prime, X Platinum and X Infinite

  • NEW- valid all year!
  • Insurance will protect you and your family members if you go on a ride together
  • Insurance against risks of damage and theft not only for your bicycle, but also for electric and kick scooter
  • Riders will be insured against the accidents
  • Civil liability is also insured if you have accidentally caused damage to third parties during your ride

form-fill City Combo insurance policy, valid from 01.07.2022

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City combo insurance

X supreme

X prime

X Infinite

Insured risks Insured amount in the 12-month period from first insurance case
Damage and theft 1000 EUR 2000 EUR 3000 EUR
Collision risk 100 EUR 200 EUR 300 EUR
Accidents 1000 EUR 2000 EUR 3000 EUR
Liability insurance 1000 EUR 2000 EUR 3000 EUR
Apply for X prime Apply for X prime Contact your private banker

X supreme

Insured risks Insured amount in the 12-month period from first insurance case
Damage and theft 1000 EUR
Collision risk 100 EUR
Accidents 1000 EUR
Liability insurance 1000 EUR
Apply for X prime

X prime

Insured risks Insured amount in the 12-month period from first insurance case
Damage and theft 2000 EUR
Collision risk 200 EUR
Accidents 2000 EUR
Liability insurance 2000 EUR
Apply for X prime

X Infinite

Insured risks Insured amount in the 12-month period from first insurance case
Damage and theft 3000 EUR
Collision risk 300 EUR
Accidents 3000 EUR
Liability insurance 3000 EUR
Contact your private banker

Purchase insurance

X supreme

X prime

X Infinite

Insured risks Total insured amount, EUR/insured amount per case, EUR
Theft and robbery, damage 180 days from the moment of purchase (self-risk 50 EUR) 10 000 EUR / 1000 EUR 20 000  EUR / 1500 EUR 40 000 EUR / 1500 EUR
Non-delivery of goods - 500 EUR / 500 EUR 500 EUR / 500 EUR
Extended warranty (the price of the product must be at least 100 EUR) - 1000 EUR / 1000 EUR 1000 EUR / 1000 EUR
Price protection (price difference must exceed 20 EUR) 300 EUR / 300 EUR 500 EUR / 500 EUR 1500 EUR / 1500 EUR
Apply for X supreme Apply for X prime Contact your private banker

X supreme

Insured risks Total insured amount, EUR/insured amount per case, EUR
Theft and robbery, damage 180 days from the moment of purchase (self-risk 50 EUR) 10 000 EUR / 1000 EUR
Non-delivery of goods -
Extended warranty (the price of the product must be at least 100 EUR) -
Price protection (price difference must exceed 20 EUR) 300 EUR / 300 EUR
Apply for X supreme

X prime

Insured risks Total insured amount, EUR/insured amount per case, EUR
Theft and robbery, damage 180 days from the moment of purchase (self-risk 50 EUR) 20 000  EUR / 1500 EUR
Non-delivery of goods 500 EUR / 500 EUR
Extended warranty (the price of the product must be at least 100 EUR) 1000 EUR / 1000 EUR
Price protection (price difference must exceed 20 EUR) 500 EUR / 500 EUR
Apply for X prime

X Infinite

Insured risks Total insured amount, EUR/insured amount per case, EUR
Theft and robbery, damage 180 days from the moment of purchase (self-risk 50 EUR) 40 000 EUR / 1500 EUR
Non-delivery of goods 500 EUR / 500 EUR
Extended warranty (the price of the product must be at least 100 EUR) 1000 EUR / 1000 EUR
Price protection (price difference must exceed 20 EUR) 1500 EUR / 1500 EUR
Contact your private banker

For cards X supreme, X prime, X Infinite

  • Each purchase is insured against the risk of theft, robbery or damage for 180 days from the time of purchase.
  • Lowest price guarantee - if, within 30 days of purchase, the item with the same retailer becomes cheaper than at least 20 EUR, then the difference in price will be refunded to you. Price protection insurance works around the world.
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For cards X prime and X Infinite


Electric appliances bought with this card receive 1 extra year of warranty after the expiry of the manufacturer's warranty. Repairs or replacements will work as specified in the manufacturer's warranty.
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For cards X prime and X Infinite


If the item is not delivered within 90 days of purchase and payment, you will be compensated for the purchase price. Insurance protection shall apply to goods for which you have received proof of dispatch of the goods, as well as a refusal by the seller to return the amount paid the goods.
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Apply for X card without visiting a branch

Apply remotely and become a Citadele customer today.

You will be able to use the online bank and digital services immediately.

You will receive your card by mail within 3 business days.

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For customers

Order your new X card in Citadele mobile app
or Online bank

Didn’t find the answer to your question?

Visit our interactive assistant and find the information you need

Interactive assistant
Unable to embark on a planned trip or a trip has to be cut short

What is covered?
- Serious illness, accidents, flare-ups of chronic illnesses and death of the customer or their family members;
- Terrorist attacks, cancelled concerts, pregnancy complications;
- The need to attend court; attendance needed regarding losses made to the customer’s property;
- If the trip is cut short due to serious illness in family members, accident, flare-ups of chronic illnesses , death; terrorism.

Balcia covers
- Costs related to the booked trip (airfare, accommodation, vehicle rental, theatre or concert tickets for trips within the country of residence);
- In the case of a trip being cut short, the purchase of new tickets, unused accomodation nights.

You must submit the following to Balcia:
- A document confirming the reason for annulment or cancellation (such as medical documentation, doctor’s note);
- In the case of family members, documents confirming your relationship;
- Documents confirming travel expenses (hotel, tickets, car rental agreement), your tour company agreement (if such exists);
- If your trip was interrupted, your new tickets and documents confirming payment;
- If the accident took place on a trip in your country of residence, information on your permanent/official residence.

! Trip cancellation also applies to trips within your country of residence.

When an insured event has occurred, call Balcia assistance service phone: +371 6581 8365, e-mail: citadele@balcia.lv.

Third party insurance

To submit a claim for third-party insurance, you must have the third party’s claim.

What is covered?
- Injury done to the health or possessions of a third party as a result of actions or inactions of you or your child.

Balcia covers:
- Emergency medical attention for the third party;
- Repair or replacement of damaged goods;
- Rescue expenses;
- Judicature expenses.

You must submit the following to Balcia:
- The third party’s claim (copy) to cover their losses;
- Confirmation from state law enforcement that the incident took place;
- Eyewitness accounts of the incident, or any other documents confirming the incident.

When an insured event has occurred, call Balcia assistance service phone: +371 6581 8365, e-mail: citadele@balcia.lv.

Important information about insurance

Terms and conditions of travel and purchase insurance
Important things to know about travel and purchase insurance

Valid for cards: X supreme, X prime, X Infinite, X Business, X Business Plus, X hero, X Platinum, X Corporate.

Medical help during a trip

What is covered?
- Sudden heavy illness;
- Accidents;
- Flare-ups of chronic illness.

Balcia covers
- Medical expenses: doctor’s visits, medicines, urgent operations, transport, urgent dental treatment, pregnancy complications (<32 weeks), technical medical aids;
- Medical evacuation, transport: specialised transport, expenses for the person accompanying the patient (medical personnel or fellow traveller), ticket change if you miss your flight;
- Repatriation: transportation of mortal remains to their country of residence;
- Evacuation of children, if they become unaccompanied;
- Arrival of 1 family member: tickets, hotel and per diem (up to 100 EUR per day).

Important: Always contact Balcia if the insured person is conscious. Balcia will inform you of where to go depending on the patient’s health condition. If you cannot contact Balcia, you should go to a state, rather than private, medical institution where possible. If you are in the USA, Turkey, Egypt, Greece, Bulgaria, Russia, Belarus, Spain or Thailand, be sure to contact Balcia.

You must submit the following to Balcia:
- A doctor’s note confirming diagnosis;
- Invoices and a document confirming that the invoice has been paid.

When an insured event has occurred, call Balcia assistance service phone: +371 6581 8365, e-mail: citadele@balcia.lv.

Certificate needed for visa

To order an insurance certificate confirming your travel insurance, please submit a free-form order through the online bank (Correspondence with bank > New Order > Order to Bank), message us in the app chat, or call 67010000.

The request must include information on:

  • The travel period (please bear in mind that the insurance only covers the first 90 calendar days of each trip);
  • The language that the certificate must be in;
  • The country that you need a visa for;
  • How you would like to receive the certificate (online bank or email)

The certificate will be ready within one business day and will be sent to your email or online bank.

Delayed flight

What is covered?
- delay or cancellation of a regular flight for a reason independent of the customer’s wishes (technical issues, weather);
- flight discrepancies, for example, if connecting flights are missed due to delay of the first flight.

Balcia covers
Meals, hotel accomodation, transport to/from the hotel (daily limit: 100 EUR);
In the case of flight discrepancies, hotel expenses (nightly limit: 100 EUR), other relevant expenses linked with transport;
Exchange of travel tickets, 50% of the price difference between previously purchased tickets and new tickets, but not exceeding the amount of 200 EUR.

It is important when submitting your claim to contact your carrier for a statement confirming that your flight was cancelled or delayed.

You must submit the following to Balcia:
If your flight is delayed or cancelled:
- A document from your airline confirming your flight was delayed, cancelled or that you were refused boarding and why;
- A copy of your tickets or boarding pass;
- Receipts for your food, transport and hotel.

If there was a discrepancy between the time one flight arrived and the next departed:
- A document from your airline confirming your flight was delayed, cancelled or that you were refused boarding and why;
- Tickets (a copy of your new ticket, your unused ticket or boarding pass);
- Receipts for the purchase of new tickets;
- Receipts for hotel expenses during the stopover, if used.

When an insured event has occurred, call Balcia assistance service phone: +371 6581 8365, e-mail: citadele@balcia.lv.

Delayed, damaged luggage

What is covered?
- Baggage delay at your destination for longer than 2 hours,
- Loss, theft or damage of your luggage for which the operator is at fault.

Balcia covers
- Essential goods, toiletries, expenses relating to the purchase of climate-suitable clothing, phone charger, sports equipment rental;
- Repairs in the case of damage. If it will not be possible to repair the luggage, the actual value of the luggage, applying 15% depreciation per year starting from the second year.

Important
- Losses already covered by the airline are not covered;
- To apply for compensation, you must contact the airport for a document confirming that your baggage was delayed, damaged or lost.

You must submit the following to Balcia:
- the confirmation document;
- your baggage ticket;
- receipts for the essential items you purchased to replace items in your delayed baggage (if your baggage was delayed) or a photo and the purchase year and price of your damaged baggage.

When an insured event has occurred, call Balcia assistance service phone: +371 6581 8365, e-mail: citadele@balcia.lv.

More questions
Unable to embark on a planned trip or a trip has to be cut short

What is covered?
- Serious illness, accidents, flare-ups of chronic illnesses and death of the customer or their family members;
- Terrorist attacks, cancelled concerts, pregnancy complications;
- The need to attend court; attendance needed regarding losses made to the customer’s property;
- If the trip is cut short due to serious illness in family members, accident, flare-ups of chronic illnesses , death; terrorism.

Balcia covers
- Costs related to the booked trip (airfare, accommodation, vehicle rental, theatre or concert tickets for trips within the country of residence);
- In the case of a trip being cut short, the purchase of new tickets, unused accomodation nights.

You must submit the following to Balcia:
- A document confirming the reason for annulment or cancellation (such as medical documentation, doctor’s note);
- In the case of family members, documents confirming your relationship;
- Documents confirming travel expenses (hotel, tickets, car rental agreement), your tour company agreement (if such exists);
- If your trip was interrupted, your new tickets and documents confirming payment;
- If the accident took place on a trip in your country of residence, information on your permanent/official residence.

! Trip cancellation also applies to trips within your country of residence.

When an insured event has occurred, call Balcia assistance service phone: +371 6581 8365, e-mail: citadele@balcia.lv.

Third party insurance

To submit a claim for third-party insurance, you must have the third party’s claim.

What is covered?
- Injury done to the health or possessions of a third party as a result of actions or inactions of you or your child.

Balcia covers:
- Emergency medical attention for the third party;
- Repair or replacement of damaged goods;
- Rescue expenses;
- Judicature expenses.

You must submit the following to Balcia:
- The third party’s claim (copy) to cover their losses;
- Confirmation from state law enforcement that the incident took place;
- Eyewitness accounts of the incident, or any other documents confirming the incident.

When an insured event has occurred, call Balcia assistance service phone: +371 6581 8365, e-mail: citadele@balcia.lv.

Important information about insurance

Terms and conditions of travel and purchase insurance
Important things to know about travel and purchase insurance

Valid for cards: X supreme, X prime, X Infinite, X Business, X Business Plus, X hero, X Platinum, X Corporate.

Medical help during a trip

What is covered?
- Sudden heavy illness;
- Accidents;
- Flare-ups of chronic illness.

Balcia covers
- Medical expenses: doctor’s visits, medicines, urgent operations, transport, urgent dental treatment, pregnancy complications (<32 weeks), technical medical aids;
- Medical evacuation, transport: specialised transport, expenses for the person accompanying the patient (medical personnel or fellow traveller), ticket change if you miss your flight;
- Repatriation: transportation of mortal remains to their country of residence;
- Evacuation of children, if they become unaccompanied;
- Arrival of 1 family member: tickets, hotel and per diem (up to 100 EUR per day).

Important: Always contact Balcia if the insured person is conscious. Balcia will inform you of where to go depending on the patient’s health condition. If you cannot contact Balcia, you should go to a state, rather than private, medical institution where possible. If you are in the USA, Turkey, Egypt, Greece, Bulgaria, Russia, Belarus, Spain or Thailand, be sure to contact Balcia.

You must submit the following to Balcia:
- A doctor’s note confirming diagnosis;
- Invoices and a document confirming that the invoice has been paid.

When an insured event has occurred, call Balcia assistance service phone: +371 6581 8365, e-mail: citadele@balcia.lv.

Certificate needed for visa

To order an insurance certificate confirming your travel insurance, please submit a free-form order through the online bank (Correspondence with bank > New Order > Order to Bank), message us in the app chat, or call 67010000.

The request must include information on:

  • The travel period (please bear in mind that the insurance only covers the first 90 calendar days of each trip);
  • The language that the certificate must be in;
  • The country that you need a visa for;
  • How you would like to receive the certificate (online bank or email)

The certificate will be ready within one business day and will be sent to your email or online bank.

Delayed flight

What is covered?
- delay or cancellation of a regular flight for a reason independent of the customer’s wishes (technical issues, weather);
- flight discrepancies, for example, if connecting flights are missed due to delay of the first flight.

Balcia covers
Meals, hotel accomodation, transport to/from the hotel (daily limit: 100 EUR);
In the case of flight discrepancies, hotel expenses (nightly limit: 100 EUR), other relevant expenses linked with transport;
Exchange of travel tickets, 50% of the price difference between previously purchased tickets and new tickets, but not exceeding the amount of 200 EUR.

It is important when submitting your claim to contact your carrier for a statement confirming that your flight was cancelled or delayed.

You must submit the following to Balcia:
If your flight is delayed or cancelled:
- A document from your airline confirming your flight was delayed, cancelled or that you were refused boarding and why;
- A copy of your tickets or boarding pass;
- Receipts for your food, transport and hotel.

If there was a discrepancy between the time one flight arrived and the next departed:
- A document from your airline confirming your flight was delayed, cancelled or that you were refused boarding and why;
- Tickets (a copy of your new ticket, your unused ticket or boarding pass);
- Receipts for the purchase of new tickets;
- Receipts for hotel expenses during the stopover, if used.

When an insured event has occurred, call Balcia assistance service phone: +371 6581 8365, e-mail: citadele@balcia.lv.

Delayed, damaged luggage

What is covered?
- Baggage delay at your destination for longer than 2 hours,
- Loss, theft or damage of your luggage for which the operator is at fault.

Balcia covers
- Essential goods, toiletries, expenses relating to the purchase of climate-suitable clothing, phone charger, sports equipment rental;
- Repairs in the case of damage. If it will not be possible to repair the luggage, the actual value of the luggage, applying 15% depreciation per year starting from the second year.

Important
- Losses already covered by the airline are not covered;
- To apply for compensation, you must contact the airport for a document confirming that your baggage was delayed, damaged or lost.

You must submit the following to Balcia:
- the confirmation document;
- your baggage ticket;
- receipts for the essential items you purchased to replace items in your delayed baggage (if your baggage was delayed) or a photo and the purchase year and price of your damaged baggage.

When an insured event has occurred, call Balcia assistance service phone: +371 6581 8365, e-mail: citadele@balcia.lv.

Where to call if there's an accident?

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If you need a consultation, contact SE "Balcia Insurance" customer service (+371) 65818365 or write an e-mail to citadele@balcia.lv.

Claim online