Travel insurance

X hero (X Card) 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 (X Card) insurance guarantees:

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

Medical expenses during a trip

When travelling abroad, you no longer have to think about purchasing travel insurance, because your X hero (X Card) 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 up to 1,000 EUR.

Insured amounts when travelling abroad:

Medical expenses* incl. cost of medicine 75 000 EUR
Medical transport 75 000 EUR
Repatriation in case of death 75 000 EUR
Patient repatriation 75 000 EUR
Dental work 150 EUR
Travel expenses for arriving family members 3 000 EUR
Expenses for person accompanying the victim 3 000 EUR
Medical transport in land of residence 200 EUR
Children’s evacuation 20 000 EUR
Medical aids 200 EUR
Accident insurance 15 000 EUR
Legal help 1 000 EUR
Theft of money and robbery during travels 100 EUR
Theft of car keys 500 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 100 EUR
Trip cancellation if the aim of the trip is a play or concert 300 EUR
Accident insurance 2 500 EUR
Theft of money and robbery during travels 100 EUR

Total amount covered during travels – 75 000 EUR

Important to note!

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

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 (non-inclusive). Clients aged above 80 years are not insured.

Purchase protection

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.

Who to contact in case of an incident?

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.