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 Platinum 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.

Travel insurance

Important to know before your travel

X Platinum 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 Platinum insurance guarantees:
  • Coverage of medical expenses;
  • Flight delay, missed transfer, place on flight declined;
  • Rental car CASCO deductible insurance;
  • Legal help insurance;
  • Civil liability.

Important to note!

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

More about travel insurance

Medical expenses during a trip

When travelling abroad, you no longer have to think about purchasing travel insurance, because your X Platinum covers medical expenses. In case of sudden illness or accident, you will be compensated for your medical expenses abroad.

Insurance protection for the costs of medical services and repatriation also applies in the case of a terrorist attack or natural disaster.

Legal help insurance during travels

If, during your travels, you accidentally breach the normative acts of the country, causing loss to a third person, and you need legal help, X hero (X Smart) insurance will cover legal fees.

Insured amounts when travelling abroad:

Medical expenses* incl. cost of medicine 125 000 EUR
Dental work 150 EUR
Medical transport 100 000 EUR
Repatriation in case of death 100 000 EUR
Patient repatriation 100 000 EUR
Expenses for person accompanying the victim 3 000 EUR
Accident insurance 30 000
Medical transport in land of residence 500 EUR
Travel expenses for arriving family members 3 000 EUR
Children’s evacuation 30 000 EUR
Medical aids 300 EUR
Loss, damage, theft of baggage 1 000 EUR
Baggage delay 250 EUR
Travel document insurance (passport, ID card, driving license) 200 EUR
Flight delay, missed transfer, place on flight declined 250 EUR
Cancellation, disruption of trip 700 EUR
Missed trip due to traffic accident 500 EUR
Customer replacement insurance 500 EUR
Phone call expenses 50 EUR
Rental car CASCO deductible insurance 1500 EUR
Theft of car keys 500 EUR
Theft of money and robbery 100 EUR
Legal fees 1 500 EUR
Civil liability 10 000 EUR

*If the incident occurs in Turkey, Egypt, Greece, Spain, Bulgaria, Thailand or Russia, you must use the AAS BTA Baltic Insurance Company Client Support Service to organise support, bearing in mind the service’s recommendations for choice of medical institution.

Insured amounts when travelling in country of residence:

Travel document insurance (passport, ID card, driving license) 200 EUR
Patient repatriation 3 000 EUR
Repatriation in case of death 3 000 EUR
Trip cancellation 300 EUR
Trip cancellation if the aim of the trip is a play or concert 300 EUR
Theft of money and robbery during travels 5 000 EUR
Accident insurance 100 EUR

Total amount covered during travels - 200 000 EUR

Purchase protection

Shop securely! All purchases made with your X Platinum are insured against theft or damage as well as price protected for up to 120 days.
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.