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If your trip is cancelled or interrupted, insurance helps recover some of the expenses. It is a practical solution to protect yourself against financial losses in unforeseen circumstances
Travel insurance lets you travel worry-free - you know that unexpected situations won't spoil your holiday. It helps avoid unplanned expenses and protects your budget from unnecessary spending.
To find the best deal, it's important to compare travel insurance, considering price, coverage, and customer reviews.
Travel insurance covers doctor visits, hospitalisation, medication, and even medical repatriation - insurance lets you feel safe even far from home. It can also include assistance with interpreters, remote medical consultations, or communication with local authorities in an emergency. All of this helps resolve problems faster and more calmly
Flight delays or lost luggage? Travel insurance helps cover these unplanned expenses, letting you focus on the solution rather than the costs
Insurance is available with various territorial coverage options - Europe, Schengen, or worldwide. Coverage levels and compensation limits are chosen according to the travel destination and planned activities.
The policy covers emergency medical assistance, hospitalisation, and necessary examinations. In severe cases, medical evacuation and repatriation to Latvia are provided, along with 24/7 assistance abroad.
Insurance covers expenses for trip interruption or extension due to unforeseen situations. Luggage delay and purchase of essential items are also compensated.
Additional coverage is available, including accident insurance (injuries and disability), as well as family and children's coverage. The deductible is applied according to the chosen policy and risk level.
During a trip to Spain, the client suddenly experienced severe toothache requiring emergency dental care. The travel insurance policy covered the treatment expenses. Total costs of €200 were fully reimbursed, allowing the client to continue the trip without additional financial burden.
On the eve of a planned trip, the client fell ill and could not travel. Since the policy included trip cancellation coverage, the insurer compensated €500 for unused services - flights and hotel that were non-refundable. The client avoided financial losses despite the unpleasant situation.
During a skiing holiday in Austria, the client sustained a serious leg injury. They had purchased travel insurance with additional coverage for active pursuits. The insurer covered both medical evacuation costs and treatment, totalling approximately €5,000.
The client's luggage was delivered only after two days, but since the travel insurance policy did not include luggage delay coverage, all expenses for clothing, toiletries, and other necessary purchases had to be paid out of pocket. Unplanned spending and discomfort spoiled the start of the trip.
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Compare which risks are included in the policy, whether unexpected illness, hospitalisation, repatriation, luggage loss, flight delay, etc. are covered. The best choice is not always the cheapest, but the one that protects in real situations.
If active pursuits are planned during the trip (e.g., skiing and snowboarding, diving, paragliding, motorised sports, mountain biking, or mountaineering), additional coverage is needed. Standard policies do not always cover such risks, so pay attention to this when purchasing.
When travelling outside Europe (e.g., to the USA, Asia, or the Middle East), medical expenses can be significantly higher. Choose a policy with appropriate coverage and sufficiently high limits. Trip duration also affects the choice - longer trips need more reliable protection.
Make sure 24/7 customer support is provided, especially abroad - this can be crucial if immediate assistance or information is needed in an emergency. Choose an insurer that provides a fast response, clear communication, and a simple claims process. This is essential to not be left alone in a difficult moment.
No, luggage coverage may be an additional risk. Before purchasing, check whether luggage theft/delay is included in the policy and what the limits, deductible, and requirements are (e.g., police report in case of theft).
Contact the insurer's assistance service (24/7) - they will confirm coverage and, if possible, arrange payment directly to the medical facility. If you have to pay yourself, keep receipts, statements, and the doctor's report - they will be needed for the claim.
It depends on the insurer and chosen coverage. Many offers cover treatment expenses for COVID, but trip cancellation due to pandemic restrictions may have conditions. Before purchasing, compare terms and choose appropriate coverage.
The right travel insurance coverage depends on the travel destination, duration, and planned activities. When choosing a policy, pay attention to coverage limits, territorial coverage, and additional risks.
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