AAS BTA Baltic Insurance Company
BTA
BTA is a travel insurance for the Latvia market with online purchase and 24/7 assistance.
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.
Geographic scope
Selectable territory: Baltic Sea region (Estonia, Lithuania, Poland, Finland, Sweden), Europe (incl. Turkey, Tunisia, Egypt, Israel, Armenia, Azerbaijan, Georgia, Morocco), or Worldwide
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.
Starting price
€1
Indicative — pricing assumptions not stated
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
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.
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.
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.
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.
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.
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.
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.
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.
COVID-19 Treatment
Excluded
Losses arising from a declared epidemic or pandemic are excluded across all sections of the policy, including medical expenses and trip cancellation/interruption.
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.
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.
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.
Pregnancy Complications
€1,000
Emergency medical expenses for pregnancy complications, including ectopic pregnancy, are covered up to EUR 1,000, provided the pregnancy does not exceed 32 weeks.
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.
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.
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.
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.
Where to buy
Policy specifics
Emergency Medical Evacuation
Coverage for emergency medical evacuation and repatriation of remains in case of death during travel
SourceAcute Illness Medical Expenses
Coverage for sudden unexpected illness requiring emergency medical assistance during travel
SourceBaggage Loss and Delay Coverage
Coverage for loss, theft, or damage to baggage and compensation for baggage delay
SourceTrip Cancellation and Interruption
Coverage for losses due to trip cancellation before departure or interruption after departure
SourceTravel Document Loss Expenses
Reimbursement for costs related to replacement of lost or stolen travel documents (passport, ID, driver license, vehicle registration)
SourceResidence 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
SourceExcluded 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
SourceTerritory 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.
SourceChronic Disease Exacerbation Exclusion
Medical expenses are NOT covered for exacerbation of chronic illness (defined as prolonged illness with periodic recurrence), even if emergency medical assistance is required
SourceMedical Center Pricing Restrictions
For medical services in private clinics or private practice in Turkey, Egypt, Greece, or Bulgaria, BTA reimburses only the amount that BTA would have reimbursed based on state healthcare system rates in those countries, not the actual private clinic fees
Source