When risk is part of the fun - choose active leisure insurance!
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A delayed flight, bad weather conditions, or sudden illness can disrupt all your plans. Travel insurance helps cover costs arising from trip cancellation or interruption
Injuries sustained during active recreation often require emergency medical care: X-rays, surgery, or even transportation back to Latvia. Treatment costs abroad can reach several thousand euros, and without appropriate coverage, they will have to be paid out of pocket. Travel insurance with active recreation coverage covers both hospitalisation and repatriation, providing financial protection even in difficult situations
Physically intense activities mean a higher risk of injury. Mountain climbing, skiing, diving, kitesurfing, or motorcycling. These activities are usually not included in standard insurance, so it is necessary to choose high-risk activity coverage to avoid unpleasant surprises in case of injury or accident
When travelling with sports equipment, such as skis or a bicycle, the risk of luggage being damaged or lost increases. Policies can also include protection for this equipment
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During a trip to the Slovak Tatras, the client went on an organised mountain hike. Walking along a rocky trail, he slipped and sprained his ankle. Help had to be called, and he was taken to the hospital where an X-ray was performed, an orthosis was fitted, and transport back to the accommodation was arranged. Travel insurance covered all expenses: €540
A traveller rented a bicycle in the Austrian Alps for a day trip along mountain trails. During the ride, after hitting a rock, the front wheel was bent and the brake system was damaged. The rental company demanded compensation: €290. Since this risk was included in the travel insurance policy, the insurer covered the losses in full
During a trip to the French Alps, the client was skiing on a red slope. On a turn, he lost his balance and fell, sustaining a knee injury. The holiday had to be cut short, transportation from the mountain was arranged, treatment at a clinic was provided, and then and an early return home. Travel insurance covered all expenses: €1,380
The client went to Norway to join an organised mountain hike. Due to technical reasons, his flight was delayed by more than 12 hours, causing him to miss the group's departure and lose his reserved spot. After the delayed flight, the client had to accept the lost reservation. The hike organiser did not refund the participation fee. Losses: €460
Download the Ministry of Foreign Affairs mobile app "Ceļo droši", which provides useful tips, risk warnings, and contacts of Latvian representations abroad
The European Health Insurance Card (EHIC) provides access to emergency healthcare in EU and EEA countries on the same terms as local residents. We recommend taking the EHIC along with travel insurance. For more information about obtaining the EHIC, visit the National Health Service website.
If a flight is delayed, cancelled, or there are problems with luggage. You have the right to compensation. In the European Union, these rights are regulated by EC Regulation No. 261/2004. More about passenger rights
Active travel insurance is designed for people who participate in active or extreme activities such as mountain climbing, skiing, diving, or motorcycling. This insurance offers additional coverage for injuries that may occur during such activities, as well as coverage for rescue expenses and other activity-specific situations. If you plan to participate in such activities, it is recommended to choose active travel insurance for full coverage.
A specific activity is included in insurance coverage according to the policy terms. The insurer specifies which activities are covered, such as skiing, mountain climbing, diving, but some activities may have additional conditions or require supplementary coverage.
Travel insurance is not valid in territories where active armed conflict is taking place.
Yes, active travel insurance covers injuries sustained in bad weather conditions if they are related to insured activities.
Extreme conditions in insurance are unusual and dangerous natural events such as storms, floods, or lightning strikes that may pose a risk to insured activities.
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