Insurance Joint Stock Company BALTA
BALTA
BALTA is a travel insurance for the Latvia market with online purchase and 24/7 assistance.
Direct payment
Premium payments can be made by bank transfer, bank payment card, online, or in cash at BALTA branches, as well as through insurance distributors involved in concluding the contract.
Geographic scope
Worldwide, in the territory stated on the policy, excluding certain restricted zones
Coverage is not valid in Antarctica, the Arctic Ocean and its adjoining seas, or in countries where war has been declared.
Unique selling points
- Choose from 14 travel insurance programs tailored to different traveler needs and trip purposes.
- Core medical expense cover typically ranges up to 120,000 EUR, well above minimum market levels.
- 24/7 dedicated assistance line coordinates care and recommends trusted medical facilities in high-risk destinations like Turkey, Egypt, Thailand, Russia and the USA.
- Policies can be purchased even after departure, with coverage starting just 48 hours after issuance.
- If insured winter sports equipment is delayed, BALTA also covers the cost of renting replacement equipment.
Coverage limits
Medical expenses
€70,000 – €120,000
Core risk covering unforeseen medical and repatriation expenses abroad due to an accident, sudden illness or exacerbation of a chronic disease; typical sum insured ranges from 70,000 to 120,000 EUR, though higher or lower limits are possible depending on the policy.
Emergency medical treatment
Covered
Emergency medical assistance is bundled within the general 'medical expenses' core risk; no separate sub-limit is stated.
Hospitalization
Covered
Hospitalization costs are covered under the general medical expenses core risk; no separate sub-limit is disclosed in the IPID.
Outpatient treatment
Covered
Outpatient treatment is bundled within the general medical expenses core risk; no separate sub-limit is stated.
Emergency dental treatment
€150 – €300
Emergency dental treatment abroad, typically insured for 150 to 300 EUR.
Medical transport
€70,000 – €120,000
Transport for medical purposes during the trip, typically insured within the same 70,000-120,000 EUR range as medical expenses.
Patient repatriation (medical evacuation)
€70,000 – €120,000
Repatriation/evacuation of the sick or injured traveler to their home country, typically insured for 70,000-120,000 EUR.
Repatriation in case of death
€70,000 – €120,000
Repatriation of remains to the home country in case of death abroad, typically insured for 70,000-120,000 EUR; burial abroad is separately insured for 3,000-20,000 EUR.
Search & rescue
Covered
BALTA's official travel insurance product information document (APID) lists 'Meklēšanas un glābšanas izdevumi' (search and rescue expenses) as one of the risks included under the medical/assistance benefits bundle (alongside family member travel costs, child return to home country, and insured person replacement), but does not publish a separate standalone sum insured for this specific sub-risk; it is covered within the overall medical expenses limit, which ranges from 45,000 EUR to 110,000 EUR depending on the chosen program. BALTA's business travel page similarly describes 'glābšanas dienestu pakalpojumi' (rescue service costs) as bundled into the emergency medical services and medical transport benefit rather than listed as an independent limit.
COVID-19 / pandemic treatment
Excluded
Losses related to swine flu, bird flu, a pandemic or epidemic, and diseases not yet known at the time the contract was concluded are excluded from cover.
Pre-existing conditions
Excluded
Losses are excluded if an acute illness or exacerbation of a chronic disease started before the insurance contract took effect, including dialysis, cirrhosis, multiple sclerosis, tuberculosis, oncological diseases and mental health problems diagnosed before the contract start.
Winter sports cover
Conditional
Losses arising from winter sports are covered only if the policy explicitly notes that this increased-risk activity is insured.
Adventure / extreme sports cover
Conditional
Losses arising from amateur sport, extreme sport or diving are covered only if the policy explicitly notes that the increased-risk activity is insured.
Pregnancy complications
Conditional
Expenses related to pregnancy complications are not reimbursed once the pregnancy exceeds 32 weeks, implying cover applies up to that point.
Personal (civil) liability
€30,000 – €50,000
Optional civil liability cover for damages caused to third parties while traveling, typically insured for 30,000 to 50,000 EUR.
Legal assistance
€1,000 – €2,000
Optional cover for legal expenses incurred while traveling, typically insured for 1,000 to 2,000 EUR.
24/7 assistance service
Covered
BALTA provides a 24/7 assistance service reachable at +371 67500174 for emergency medical consultation and coordination of care abroad.
Key conditions
Assistance call deadline
You must immediately, as soon as possible, notify AAS BALTA of the insured event and act according to BALTA's instructions; if medical help is needed in the USA, Egypt, Russia, Thailand or Turkey, you must use the assistance service and follow its instructions on choosing a medical facility.
Unauthorized treatment
If patient repatriation, repatriation in case of death, child evacuation or burial abroad is not agreed with BALTA in writing, BALTA has the right to reimburse expenses only up to the amount they would have cost if organized by the assistance service.
Purchase while abroad
If the insurance contract is concluded after you have already left Latvia, it takes effect 48 hours after the policy is issued.
Chronic conditions
Losses related to dialysis, cirrhosis, multiple sclerosis, tuberculosis, oncological diseases and mental health problems are excluded if the disease was diagnosed before the insurance contract took effect.
Pregnancy
Expenses related to pregnancy complications are not covered once the pregnancy exceeds 32 weeks.
Pre-existing condition exclusions
Losses are excluded if an acute illness or exacerbation of a chronic disease began before the insurance contract took effect.
Coverage duration limit
Insurance is valid for trips of up to 120 continuous days; the contract ends on day 121 after departure from Latvia regardless of the policy term, except for the 'Student' insurance program, which is not subject to this restriction.
Where to buy
Policy specifics
Repatriation
Coverage for medical repatriation to home country in case of serious illness or death
SourceTrip coverage period
Insurance is valid for up to 120 continuous days; trips must start in Latvia and police must issue policy for entire trip period
SourceFlight delay minimum threshold
Coverage typically applies only if flight delay exceeds 24 hours or specific minimum per policy
Source24/7 Support Desk Assistance
BALTA provides 24/7 assistance service for emergency medical consultation and support coordination
SourceEHIC Coordination
Insurance complements EHIC card; EHIC covers basic medical services in EU, BALTA covers co-payments and additional expenses
Source