Even better insurance

Important to know before your travel

X hero users are given free travel insurance when travelling abroad or in Latvia (more than 95 km from their permanent place of residence and when paying for a hotel stay for no fewer than 2 nights).

During a trip, X hero insurance guarantees:

• coverage of medical expenses;
• legal help insurance;
• accident insurance.

Important to note!

Travel insurance also applies if the trip was not paid for with your X hero.

Insurance applies for the first 90 calendar days of each trip, while the number of trips per year is unlimited. Insurance premiums apply to card users aged up to 80 years (inclusive). Clients aged above 80 years are not insured.

Important to know about purchase insurance

Shop securely! All purchases made with your X hero (X Card) are insured against theft or damage as well as price protected.

Now losses incurred in case of payment card theft are also insured.

Price protection

If, within 30 days of purchase, the identical product can be purchased from a different retailer for a lower price than you paid, and the price difference is more than 20 EUR, you will be paid the difference as part of price protection. Price protection applies to Latvia (for Latvian residents) or in the cardholder’s country of residence.

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. Simply call +371 67010000.