Extracted from source documents

BTA Travel insurance (Celojumu Apdrosinasana)

Underwritten by AAS BTA Baltic Insurance Company · Latvia

travel insurance from BTA for the Latvia market, with online purchase and 24/7 assistance.

Verified Aug 28, 2026 · Terms dated 2023-09-01Sources

Online purchase24/7 helpline

Get a quote from BTA Compare Travel insurance insurers in Latvia

Key facts

Unique selling points

Includes free eMed remote doctor consultations available regardless of the traveller's location.

Maximum sum insured and maximum liability limit are not capped once a risk is selected in the policy.

24-hour client support line reachable worldwide for any insured event.

Policies can be purchased entirely online in just a few minutes.

Optional endorsement extends standard cover to a wide range of high-risk sports and activities without needing a separate policy.

Coverage limits

Covered

Medical Expenses

Covered

Covers medical expenses arising from a sudden acute illness (not manifested before the contract), an exacerbation of a chronic illness, or an accident during the trip, until return to the home country is possible, capped at 30 days from hospitalisation. Minimum sum insured EUR 10,000; maximum sum insured is not limited. Under the 'residence permit' endorsement the limit is reduced to EUR 750 per event with a EUR 50 deductible and chronic exacerbation is excluded.

Clause 5Page 3

Section: APDROŠINĀTIE RISKI > 5. MEDICĪNISKĀS PALĪDZĪBAS APDROŠINĀŠANA

Medicīniskie izdevumi – BTA kompensē šādus Ceļojumu laikā radušos izdevumus saistībā ar Klienta akūtu slimību ... līdz brīdim, kad kļūst iespējama Klienta pārvešana uz Mītnes zemi, bet ne ilgāk kā 30 dienas no stacionēšanas brīža

Covered

Emergency Medical Treatment

Covered

Included within the Medical Expenses limit (min. EUR 10,000). Covers emergency surgery performed within 72 hours of an accident where non-treatment would endanger life; cardiac/cardiovascular surgery and pacemaker implantation linked to emergency care is capped at EUR 5,000.

Clause 5Page 3

Section: APDROŠINĀTIE RISKI > 5. MEDICĪNISKĀS PALĪDZĪBAS APDROŠINĀŠANA

par neatliekamām ķirurģiskajām operācijām, kas veiktas 72 stundu laikā pēc negadījuma un kuru neveikšana apdraud Klienta dzīvību

Covered

Hospitalization

Covered

Included within the Medical Expenses limit (min. EUR 10,000); inpatient treatment is covered until discharge from hospital, but no longer than 30 days from the date of hospitalisation.

Clause 5Page 3

Section: APDROŠINĀTIE RISKI > 5. MEDICĪNISKĀS PALĪDZĪBAS APDROŠINĀŠANA

līdz brīdim, kad kļūst iespējama Klienta pārvešana uz Mītnes zemi, bet ne ilgāk kā 30 dienas no stacionēšanas brīža

Covered

Outpatient Treatment

Covered

Included within the Medical Expenses limit (min. EUR 10,000). For outpatient care, 'emergency medical assistance' is defined as the first doctor's visit only; repeat visits (e.g. follow-up X-ray, cast removal, stitch removal) and planned treatment are excluded.

Clause 1Page 2

Section: 1. NOTEIKUMOS LIETOTIE TERMINI

ambulatorās ārstēšanas gadījumā – pirmā vizīte pie ārsta;

Covered

Emergency Dental Treatment

Covered

Covers costs of emergency dental treatment; minimum sum insured EUR 100. Under the 'residence permit' endorsement, only pain-relief and temporary measures are reimbursed.

Clause 5Page 5

Section: APDROŠINĀTIE RISKI > 5. MEDICĪNISKĀS PALĪDZĪBAS APDROŠINĀŠANA

Neatliekamā stomatoloģiskā palīdzība – BTA kompensē izdevumus, kas radušies saistībā ar neatliekamo stomatoloģisko palīdzību.

Covered

Medical Transport

Covered

Included within the Medical Expenses limit (min. EUR 10,000): transport costs to the treatment facility and back to accommodation; hire/purchase of doctor-prescribed short-term technical aids (e.g. crutches, orthosis) is capped at EUR 300.

Clause 5Page 3

Section: APDROŠINĀTIE RISKI > 5. MEDICĪNISKĀS PALĪDZĪBAS APDROŠINĀŠANA

transportēšanas izdevumus līdz ārstniecības iestādei, kurā sniedz Neatliekamo medicīnisko palīdzību, un no ārstniecības iestādes līdz naktsmītnei.

Covered

Medical Evacuation

Covered

Covers return of the client to the home country after the Medical Expenses risk has occurred, including new transport tickets, an escort's ticket if needed, and accommodation up to EUR 100/night for up to 3 nights if the return flight is missed due to hospitalisation. Minimum sum insured EUR 10,000.

Clause 5Page 5

Section: APDROŠINĀTIE RISKI > 5. MEDICĪNISKĀS PALĪDZĪBAS APDROŠINĀŠANA

Medicīniskā evakuācija – BTA kompensē šādus izdevumus par Klienta atgriešanos Mītnes zemē, ja ir iestājies Apdrošinātais risks "Medicīniskie izdevumi"

Covered

Repatriation of Remains

Covered

Covers transport of the deceased client's remains to the home country airport (by air) or morgue (by other transport), or burial/cremation costs in the country of death if agreed with BTA. Minimum sum insured EUR 10,000; if transport is to a home-country destination other than Latvia, reimbursement is capped at the cost of transport to Latvia.

Clause 5Page 5

Section: APDROŠINĀTIE RISKI > 5. MEDICĪNISKĀS PALĪDZĪBAS APDROŠINĀŠANA

Repatriācija – BTA kompensē izdevumus, kas radušies saistībā ar: a) Klienta mirstīgo atlieku pārvešanu līdz Mītnes zemes lidostai, ja transportēšanu veic ar lidmašīnu, vai līdz morgam

Search and Rescue

No limit stated

No separate search and rescue benefit.

Conditional

COVID-19 Treatment

€40K

COVID-19 medical, repatriation, evacuation and companion-travel costs are covered up to a combined total of EUR 40,000; trip cancellation or interruption due to COVID-19 requires selecting the optional 'COVID-19 saslimšanas apdrošināšana' additional risk.

Clause 6

Section: Biežāk uzdotie jautājumi > 6. COVID-19 saslimšanas apdrošināšana

Ja Apdrošinātajam ir diagnosticēta saslimšana ar COVID-19 (slimība, ko izraisa koronavīruss SARS-CoV-2), apdrošināšanas atlīdzība tiek izmaksāta tikai par apdrošinātajiem riskiem “Medicīniskie izdevumi”, “Repatriācija”, “Medicīniskā evakuācija”, “Izdevumi cietušā pavadītājam” nosakot maksimālo apdrošināšanas atlīdzības apmēru 40 000 EUR.

Excluded

Pre-Existing Conditions

Excluded

Medical expenses for an illness that had already manifested before travelling/before the contract was concluded are not covered; only newly-manifested acute illness, chronic disease exacerbation, or accident are covered.

Page 2

Section: Vai ir kādi seguma ierobežojumi?

Netiek atlīdzināti zaudējumi, ja apdrošināšanas gadījums iestājies pirms apdrošināšanas līguma noslēgšanas.

Optional

Winter Sports Cover

Optional

Skiing and snowboarding on specially equipped trails is covered only if the policy's 'Additional Conditions' section states 'Increased-risk activities'; skiing/snowboarding off equipped trails remains excluded even then.

Clause 4Page 3

Section: 4. SPORTISKĀS UN FIZISKĀS AKTIVITĀTES

slēpošanu, snovošanu ārpus īpaši šim nolūkam aprīkotām trasēm.

Optional

Adventure/High-Risk Sports Cover

Optional

If the policy's 'Additional Conditions' section states 'Increased-risk activities', cover extends to amateur competitions, sports camps, diving to 30m, mountain trekking up to 4,500m without climbing gear, motorsport, motorcycles/quads up to 125cc/15kW, mountain/BMX/MTB cycling, windsurfing/surfing/kiteboarding/waterskiing/sailing within 24 nautical miles, and combat sports; acrobatics/stunts, alpinism, heliskiing, waterfall jumps, wingsuit flying, professional motosport, parkour, diving beyond 30m and off-piste skiing remain excluded.

Clause 4Page 2

Section: 4. SPORTISKĀS UN FIZISKĀS AKTIVITĀTES

Ja Apdrošināšanas polisē sadaļā "Papildu nosacījumi" ir norādīts "Paaugstināta riska aktivitātes", apdrošināšana ir spēkā:

Conditional

Pregnancy Complications

€1K

Emergency medical expenses for pregnancy complications, including ectopic pregnancy, are covered up to EUR 1,000, provided the pregnancy does not exceed 32 weeks.

Clause 5Page 3

Section: APDROŠINĀTIE RISKI > 5. MEDICĪNISKĀS PALĪDZĪBAS APDROŠINĀŠANA

kas saistīti ar Neatliekamo medicīnisko palīdzību Klienta grūtniecības sarežģījumu gadījumā, tostarp tādu, kas saistīti ar ārpusdzemdes grūtniecību, nepārsniedzot 1 000 EUR, ja grūtniecības ilgums nepārsniedz 32 nedēļas

Optional

Personal (Civil) Liability

—

Optional additional risk covering damage the client causes to a third party's health or property during the trip; minimum liability limit EUR 10,000, maximum not limited.

Page 1

Section: Kas tiek apdrošināts? > Papildu riski

Civiltiesiskā atbildība. Minimālais atbildības limits 10 000 EUR;

Optional

Legal Assistance

—

Optional additional risk covering translation or legal service costs incurred if the client unknowingly breaches local customs or regulations, causing loss to a third party; minimum sum insured EUR 1,000.

Page 1

Section: Kas tiek apdrošināts? > Papildu riski

Juridiskā palīdzība. Minimālā apdrošinājuma summa 1 000 EUR;

Covered

24/7 Assistance

Covered

BTA provides a 24-hour client support phone line (+371 26121212) for any insured event; a separate optional risk 'Telephone call costs' (min. EUR 100) reimburses the cost of calls made to reach BTA or its partner.

Clause 15Page 12

Section: 15. PIENĀKUMI, JA IESTĀJAS IESPĒJAMAIS APDROŠINĀŠANAS GADĪJUMS

ir precīzi jāizpilda BTA norādījumi, ko var saņemt, zvanot uz BTA Klientu atbalsta dienesta diennakts tālruni (+371) 26121212.

Key conditions

Assistance call deadline

The client must immediately notify BTA of a possible insured event and follow BTA's instructions; for emergency medical assistance in Turkey, Egypt, Greece, Bulgaria or Russia, BTA or its partner must be contacted before choosing a treatment facility.

Unauthorized treatment

If the client does not follow the required facility-selection procedure, BTA reimburses only partner-network rates for private clinics/practices in Turkey, Egypt, Greece and Bulgaria, and does not reimburse at all for private clinics, private practices or medical centres in Russia (including American, German or French centres and Russian-American joint ventures there).

Purchase while abroad

If the insurance contract is concluded while the client is already outside the home country, cover takes effect 24 hours after the full premium has been paid.

Chronic conditions

Exacerbation of a chronic illness is covered as a triggering event for the Medical Expenses risk under the standard policy; this coverage is excluded only under policies with the 'residence permit' endorsement.

Pregnancy

Emergency medical expenses for pregnancy complications, including ectopic pregnancy, are covered up to EUR 1,000, provided the pregnancy does not exceed 32 weeks.

Pre-existing condition exclusions

Medical expenses for an illness that had already manifested before travelling or before the contract was concluded are not covered; only newly-manifested acute illness, chronic disease exacerbation, or accident are covered.

Coverage duration limit

Medical expenses are covered until the client's return to the home country becomes possible, but for no longer than 30 days from the date of hospitalisation.

Direct payment

For emergency medical assistance in Turkey, Egypt, Greece, Bulgaria or Russia, the client must contact BTA or its partner to select the treatment facility; failure to do so limits reimbursement in Turkey/Egypt/Greece/Bulgaria to partner-network rates and results in zero reimbursement for private clinics, practices and medical centres in Russia.

Territorial scope

The insurance is generally not valid in the client's home country, except for policies with the 'Policy for obtaining a residence permit' endorsement, which are also valid in Latvia.

Documents

Travel Insurance Terms and Conditions No. 18.01 (opens in a new tab)

Terms & conditions · PDF

Travel Insurance Product Information Document (IPID) (opens in a new tab)

Product information sheet · PDF

Policy specifics

Emergency Medical Evacuation

Coverage for emergency medical evacuation and repatriation of remains in case of death during travel

SourceClause 5Page 5

Section: APDROŠINĀTIE RISKI > 5. MEDICĪNISKĀS PALĪDZĪBAS APDROŠINĀŠANA

Repatriācija – BTA kompensē izdevumus, kas radušies saistībā ar: a) Klienta mirstīgo atlieku pārvešanu

Acute Illness Medical Expenses

Coverage for sudden unexpected illness requiring emergency medical assistance during travel

SourceClause 5Page 3

Section: APDROŠINĀTIE RISKI > 5. MEDICĪNISKĀS PALĪDZĪBAS APDROŠINĀŠANA

Medicīniskie izdevumi – BTA kompensē šādus Ceļojumu laikā radušos izdevumus saistībā ar Klienta akūtu slimību

Baggage Loss and Delay Coverage

Coverage for loss, theft, or damage to baggage and compensation for baggage delay

SourceClause 7Page 6

Section: APDROŠINĀTIE RISKI > 7. BAGĀŽAS APDROŠINĀŠANA

Bagāža pie Pārvadātāja – BTA kompensē zaudējumus par uz Klienta vārda reģistrētas Bagāžas nozaudēšanu, zādzību vai bojājumu Pārvadātāja vainas dēļ.

Trip Cancellation and Interruption

Coverage for losses due to trip cancellation before departure or interruption after departure

SourceClause 8Page 7

Section: APDROŠINĀTIE RISKI > 8. CEĻOJUMA IZMAIŅU APDROŠINĀŠANA

Ceļojuma atcelšana – ja Ceļojums tiek atcelts pirms tā uzsākšanas, kad Klients atrodas Mītnes zemē, BTA kompensē šādus izdevumus

Travel Document Loss Expenses

Reimbursement for costs related to replacement of lost or stolen travel documents (passport, ID, driver license, vehicle registration)

SourceClause 9Page 8

Section: APDROŠINĀTIE RISKI > 9. PAPILDU RISKU APDROŠINĀŠANA

Ceļojuma dokumenti – BTA kompensē šādus izdevumus, kas radušies saistībā ar šādu Klienta dokumentu: pases vai personas apliecības (eID), sauszemes transportlīdzekļa vadītāja apliecības, transportlīdzekļa reģistrācijas apliecības, zādzību, nolaupīšanu vai nozaudēšanu Ceļojuma laikā

Residence Permit Policy Specific Conditions

Special policy conditions apply when insurance is obtained for residence permit application in Latvia, including reduced medical expense limit (EUR 750 per insured event), EUR 50 deductible per event, and no coverage for exacerbation of chronic disease

SourceClause 5Page 5

Section: APDROŠINĀTIE RISKI > 5. MEDICĪNISKĀS PALĪDZĪBAS APDROŠINĀŠANA

apdrošināšanas atlīdzība par Apdrošināto risku "Medicīniskie izdevumi" vienam Apdrošināšanas gadījumam ir līdz 750 EUR; b) par katru Apdrošināšanas gadījumu piemēro pašrisku 50 EUR; c) netiek atlīdzināti zaudējumi, ja iestājas Hroniskās slimības saasinājums

Excluded High-Risk Sports and Physical Activities

Insurance does not cover certain physical and sporting activities unless explicitly listed in Additional Conditions section: professional sport; activities involving acrobatics, jumps from height, stunts; windsurfing, surfing, kiteboarding, water skiing, sailing beyond 24 nautical miles from shore

SourceClause 4Page 3

Section: 4. SPORTISKĀS UN FIZISKĀS AKTIVITĀTES

ar jebkuru fizisku vai sportisku aktivitāti kā profesionāls sportists ... kurās ir iekļautas virāžas, akrobātika, lēcieni no augstuma, triku elementi

Territory Restrictions

Insurance validity depends on selected territory: Europe (all European countries including Turkey, Tunisia, Egypt, Israel, Armenia, Azerbaijan, Georgia, Morocco); Baltic Sea territory (Estonia, Lithuania, Poland, Finland, Sweden); Worldwide; or Latvia-only (for residence permit policies). Insurance is generally NOT effective in Latvia except for residence permit policy holders.

SourceClause 3Page 2

Section: 3. APDROŠINĀŠANAS DARBĪBAS TERITORIJA

Apdrošināšana nav spēkā Mītnes zemē, izņemot, ja Apdrošināšanas līgumu noslēdz, lai saņemtu uzturēšanās atļauju Latvijā

Chronic Disease Exacerbation Exclusion

Under policies issued for obtaining a residence permit, exacerbation of a chronic illness is not covered.

SourceClause 5Page 5

Section: APDROŠINĀTIE RISKI > 5. MEDICĪNISKĀS PALĪDZĪBAS APDROŠINĀŠANA

netiek atlīdzināti zaudējumi, ja iestājas Hroniskās slimības saasinājums;

Medical Center Pricing Restrictions

If the client does not follow BTA's required procedure for choosing a treatment facility in Turkey, Egypt, Greece or Bulgaria, BTA reimburses private-clinic costs only up to the amount it would have paid its partner providers for the same services; private clinics, practices and medical centres in Russia (including American, German or French centres and Russian-American joint ventures there) are not reimbursed at all.

SourceClause 15Page 12

Section: 15. PIENĀKUMI, JA IESTĀJAS IESPĒJAMAIS APDROŠINĀŠANAS GADĪJUMS

Turcijas, Ēģiptes, Grieķijas vai Bulgārijas medicīniskajos centros, privātklīnikās vai privātpraksēs, BTA kompensē izdevumus tikai tādā apmērā, kādā BTA būtu tos atlīdzinājusi, apmaksājot šo pakalpojumus saviem sadarbības partneriem

Sources

BTA Travel insurance

Get a quote from BTA Compare Travel insurance insurers in Latvia

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