Travel insurance in one place: fill in one form and instantly receive offers from ERGO, Compensa and Balcia - compare prices and coverage in real time.
The policy covers medical expenses and repatriation, baggage, flight delays, trip cancellation and COVID risks - choose the coverage that fits your route.
Travel insurance often costs just a few euros. Buy your policy online and receive it by email in minutes.
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.
Each insurer offers several programmes with different limits. The table shows the main coverage per traveller:
| Programme | Medical expenses | Accidents | Civil liability |
|---|---|---|---|
| ERGO Standarta | 75 000 € | 5 000 € | - |
| ERGO Paplašinātā | 100 000 € | 15 000 € | 50 000 € |
| ERGO Premium | 110 000 € | 30 000 € | 60 000 € |
| Compensa Standarta | 80 000 € | 80 000 € | - |
| Compensa Zelta | 100 000 € | 100 000 € | 50 000 € |
| Compensa Platīna | 110 000 € | 110 000 € | 50 000 € |
| Balcia L | 75 000 € | 10 000 € | 10 000 € |
| Balcia XL | 150 000 € | 20 000 € | 30 000 € |
| Balcia XXL | 200 000 € | 30 000 € | 50 000 € |
The programmes also differ in additional coverage - baggage protection, trip cancellation, active leisure coverage and deductible. You will see exact prices for your route in the calculator at the top of this page - fill in one form and compare all offers.
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.
There is no single policy that suits everyone - the best travel insurance is the one that matches your specific route and plans. When choosing, compare four things:
Compare ERGO, Compensa and Balcia programmes in the calculator - the best policy will differ for every trip.
Three programmes - Standarta, Paplašinātā and Premium. Medical expenses up to 110,000 €, with civil liability up to 60,000 € and extended coverage for delays and transit in the Premium programme.
Standarta, Zelta and Platīna programmes with high accident limits - up to 110,000 €. The broader programmes also include trip interruption and forwarding of personal belongings.
L, XL and XXL programmes with the highest medical expenses limit - up to 200,000 € in the XXL programme. All programmes include civil liability.
Fill in one form in the calculator at the top of this page and compare offers and prices from all three insurers for your route.
Fill out the application form with the required information
Compare offers and choose the most suitable policy
Pay securely on our website
Receive the policy by email after payment
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.
The price depends on the destination, trip length, age of travellers, selected programme and additional coverage (such as active leisure). There is no single fixed price - you will see the exact amount for your trip in the calculator by comparing ERGO, Compensa and Balcia offers.
There is no one-size-fits-all answer - the best policy is the one that matches your route and plans: check the medical expenses limit, repatriation coverage, deductible and whether active leisure is covered. Compare ERGO, Compensa and Balcia offers in the calculator - the best option may differ for each trip.
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.
Yes - policies for children are often cheaper, while for travellers over 65 some insurers apply higher rates or additional conditions. For pregnant travellers, coverage usually applies up to a certain week of pregnancy (most often weeks 26-32), so check the policy terms before the trip. In the calculator you can enter the age of each traveller and see exact prices.
Yes - OCTA and the Green Card only cover third-party liability for your vehicle, not your health. Travel insurance for a car trip covers medical expenses, repatriation and baggage even when you travel in your own vehicle.
The price of travel insurance is different for every trip and is calculated individually. The exact price depends on the destination, duration, age and chosen coverage. For family trips with children, it is recommended to choose broader coverage including children's medical expenses and trip cancellation. Seniors and pregnant women may have additional conditions, so it is important to compare offers from multiple insurers.
If you plan to travel by car across Europe, make sure your travel insurance covers roadside assistance and vehicle recovery. Agento compares travel insurance prices from multiple insurers so you can choose the best offer. Comparison is free and without obligation.
The most suitable travel insurance is the one that fits your specific trip. Active recreation, skiing or water sports require additional coverage. If an incident occurs while travelling, learn how to file a claim. Submit an application and receive personalised offers in just a few minutes.
Choose your insurance company and submit a claim without unnecessary hassle
My Agento
