Travel insurance
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| Feature / category | Balcia May 19, 2026 Open details | BALTA May 19, 2026 Open details | BTA May 19, 2026 Open details | Compensa May 19, 2026 Open details |
|---|---|---|---|---|
| Overview | ||||
Insurer | Balcia Insurance SE | Insurance Joint Stock Company BALTA | AAS BTA Baltic Insurance Company | Compensa Vienna Insurance Group ADB Latvia Branch / Compensa Life Vienna Insurance Group SE Latvia Branch |
Online purchase | Yes | Yes | Yes | Yes |
24/7 helpline | Yes | Yes | Yes | Yes |
Starting price | — | — | €1 | — |
Billing basis | per_trip | per_trip | per_trip | per_trip |
Unique selling points |
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IPID | IPID | IPID | IPID | IPID |
Terms & conditions | ||||
| Coverage | ||||
Medical expenses | Covered | €70,000 – €120,000 | Covered | €10,000 – €110,000 |
Medical transport | Covered | €70,000 – €120,000 | Covered | €10,000 – €110,000 |
COVID-19 treatment | Covered | Excluded | If the insured is diagnosed with COVID-19 (illness caused by Coronavirus SARS-CoV-2), insurance indemnity is disbursed only for the insured risks Medical expenses, Repatriation, Medical evacuation, and Expenses for accompanying person, subject to a fixed maximum limit of EUR 40,000. Costs of self-isolation and COVID tests are not reimbursed. | Excluded |
Personal liability | Optional | Optional | Optional | Optional |
Emergency dental | Covered | €150 – €300 | Covered | Covered |
Search & rescue | Not offered | Covered | Not offered | Covered |
Legal assistance | Optional | Optional | Optional | Optional |
Emergency medical treatment | Covered | €70,000 – €120,000 | Covered | €10,000 – €110,000 |
Hospitalization | Covered | €70,000 – €120,000 | Covered | €10,000 – €110,000 |
Outpatient treatment | Covered | €70,000 – €120,000 | Covered | €10,000 – €110,000 |
Medical evacuation | Covered | €70,000 – €120,000 | Covered | €10,000 – €110,000 |
Repatriation of remains | Covered | €70,000 – €120,000 | Covered | €10,000 – €110,000 |
Pre existing conditions | Excluded | Sudden exacerbation of a chronic disease is conditionally covered for emergency medical treatment for up to 5 days from the first doctor visit, and only once per insurance period for the same condition. Coverage is NOT provided for conditions that started before the insurance contract came into force. Specific conditions — oncology, dialysis, cirrhosis, multiple sclerosis, tuberculosis — are categorically excluded regardless of disease stage. Cardiovascular surgery must be pre-approved in writing by BALTA. | Acute exacerbation of a chronic disease (sudden onset of characteristic symptoms requiring emergency medical care) is covered under the Medical expenses risk for standard policies. For residence permit policies ("Polise uzturēšanās atļaujas saņemšanai"), chronic disease exacerbation is explicitly excluded and no indemnity is paid. Illnesses that manifested before the policy conclusion are also excluded. | Acute exacerbation of chronic diseases is covered within the medical expenses and health risk in all programmes. Coverage applies to sudden, unexpected acute exacerbations only. Planned or non-emergency treatment of pre-existing or chronic conditions is not covered. |
Winter sports cover | Optional | Optional | Optional | Optional |
Adventure sports cover | Optional | Optional | Optional | Optional |
Pregnancy complications | Coverage for pregnancy complications is included, with assistance provided up to a specified gestational week. The exact week limit is stated in the policy conditions. | Emergency medical expenses related to pregnancy complications are covered up to EUR 1,500 per insurance period, conditional on the pregnancy not exceeding 32 full weeks at the time of the event. Normal pregnancy, childbirth, post-natal care, and complications thereof are explicitly excluded. The newer IPID (4101.07) does not explicitly state the 1,500 EUR sub-limit, while T&C 4101.04 clause 9.3 sets this limit at EUR 1,500. | BTA covers emergency medical expenses related to pregnancy complications (including ectopic pregnancy) up to EUR 1,000, provided the pregnancy does not exceed 32 weeks. Childbirth, abortion, and post-natal complications are explicitly excluded. The coverage applies within the Medical expenses insured risk. | Medical expenses up to EUR 1,500 covered for acute pregnancy complications, provided pregnancy is less than 30 weeks and the insured can present a travel authorization from the home country treating physician issued no earlier than 1 week before the planned trip start. |
| Key conditions | ||||
Assistance call deadline | In non-critical situations, contact the Balcia 24-hour assistance centre (+371 20 68 2222) before seeking medical treatment for advice on next steps. In critical emergencies, call for medical help immediately and notify Balcia at the earliest opportunity. Retain all treatment receipts and documentation. | The policyholder must notify BALTA or the assistance service as soon as possible when an insured event occurs. In cases of sudden illness abroad where emergency medical care is needed, the policyholder must seek qualified medical assistance within 24 hours. Claims must be submitted within 30 days after policy expiry, with supporting documents within 15 days of claim submission. | The insured must immediately notify BTA upon a potential insured event and follow BTA instructions. For treatment in Turkey, Egypt, Greece, Bulgaria, or Russia, BTA or its partner must be contacted before receiving medical services. Medical expenses exceeding EUR 1,000 must be approved by BTA as soon as possible. If the insured fails to contact BTA in the specified countries and receives services from private clinics or medical centres, BTA will reimburse only at rates applicable to its partner organizations, or not at all (Russia private clinics). | In the event of sudden illness or accident, the insured must immediately seek treatment at the nearest medical facility and contact the insurer's assistance service. The insured event must be reported as soon as possible, but no later than 30 days after the event. |
Purchase while abroad | If the policy is purchased while already abroad, a waiting period may apply before coverage becomes effective. The policy must cover the entire duration of the trip. | If the insurance contract is concluded while the policyholder is already outside Latvia, it enters into force 48 hours after conclusion, provided it is concluded within 48 hours of departure from Latvia and the policyholder can prove this with documents (ticket, boarding pass, hotel reservation, etc.). Trip cancellation coverage activates only 72 hours after policy issuance. | If the insurance contract is concluded while the client is outside their home country, it takes effect 24 hours after full premium payment. This delayed effectiveness is a key condition to prevent adverse selection. | If the insurance contract is concluded while the insured is outside the home country, coverage begins 48 hours after policy inception, not immediately. |
Chronic conditions | Chronic diseases are generally not covered. Coverage applies only to sudden and unexpected acute health deterioration during travel, not to foreseeable treatment of known conditions. | Sudden exacerbation of a chronic disease (other than those listed in clause 22.10) is covered for emergency medical assistance for up to 5 days from the first doctor visit, once per insurance period for the same condition. Explicitly excluded chronic/severe conditions regardless of stage: oncology, dialysis, cirrhosis, multiple sclerosis, tuberculosis, HIV/AIDS, and cardiovascular surgery (the latter requires prior written approval from BALTA). | Acute exacerbation of a chronic disease (defined as sudden onset of characteristic symptoms requiring emergency medical care) is covered under the Medical expenses risk for standard policies. The policy does not cover routine management, planned treatment, or general treatment of chronic diseases. For residence permit policies, chronic disease exacerbation is entirely excluded. | Acute exacerbations of chronic diseases are covered within the medical expenses risk. Only sudden, unexpected acute exacerbations are covered; planned or elective treatment of chronic conditions is not covered. Non-emergency surgical procedures, including arthroscopy for meniscal or cruciate ligament injuries, are excluded. |
Pregnancy | Coverage for pregnancy complications is included up to a gestational week limit as specified in the policy conditions. Routine pregnancy care and planned childbirth abroad are not covered. | Emergency medical expenses related to pregnancy complications are covered up to EUR 1,500 per insurance period, provided the pregnancy does not exceed 32 full weeks at the time of the insured event. Normal pregnancy, childbirth, post-natal care, and related complications are explicitly excluded. | Emergency medical expenses related to pregnancy complications (including ectopic pregnancy) are covered up to EUR 1,000, if pregnancy does not exceed 32 weeks. Planned childbirth, abortion, family planning services, and infertility treatment are explicitly excluded. Trip cancellation due to pregnancy complications is also covered as a separate risk. | Acute pregnancy complications are covered up to EUR 1,500, provided pregnancy does not exceed 30 weeks and the insured presents a travel authorization from the home country treating physician issued no earlier than 1 week before the planned trip start. |
Unauthorized treatment | If medical treatment or repatriation is not approved in advance by Balcia, reimbursement may be limited to the amount that would have been payable had the assistance been organised through the Balcia assistance centre. | If the policyholder receives medical treatment in Turkey, Egypt, Thailand, Russia, Spain, Bulgaria, Greece, or the USA without using the assistance service's recommended medical facility, BALTA has the right to limit the reimbursement to the amount it would have paid at the recommended facility. For repatriation, burial abroad, child evacuation, and in-country medical transport — if not pre-approved in writing, reimbursement is limited to what it would cost if organised via the assistance service. | If the insured receives medical services in Turkey, Egypt, Greece, or Bulgaria from medical centres, private clinics, or private practices without contacting BTA first, BTA reimburses only at rates applicable to BTA's partner organizations. For Russia's private clinics, private practices, medical centres, American, German, French medical centres and clinics, and Russian-American joint medical ventures, BTA does not reimburse at all. | If medical expenses in Turkey or Egypt are not pre-authorized with Compensa before treatment, the insurer may reimburse only the amount it would have paid had treatment been arranged through the assistance service. Expenses from specific Turkish hospitals (MEYDAN HOSPITAL GROUP, Eslem Hospital, MedAlanya) are not covered at all. |
Pre existing conditions | Pre-existing conditions and any treatment that was planned or foreseeable before the trip are excluded from coverage. Only sudden and unforeseen medical events during travel are covered. | Coverage does not apply to illness or exacerbation that began before the insurance contract came into force. The policyholder who travelled against a doctor's recommendation not to travel is also not covered. Specific conditions — oncology, dialysis, cirrhosis, multiple sclerosis, tuberculosis — are fully excluded regardless of when diagnosed. | Illnesses that manifested before the policy conclusion date are excluded. Acute exacerbation of a chronic disease is covered for standard policies but excluded for residence permit policies. Oncological diseases, diabetes and associated organ disorders, chronic renal insufficiency (dialysis) are explicitly excluded under all policies. | Acute exacerbations of pre-existing and chronic conditions are covered within the medical expenses risk. Planned or non-emergency treatment of known pre-existing conditions is not covered. The insured must contact the assistance service immediately upon occurrence of an insured event. |
Coverage duration limit | The insurance policy must be issued for the entire period of the trip. Maximum trip duration covered and any applicable waiting periods are specified in the policy conditions (No. LV-18/02-03 valid from 26.08.2024). | Insurance coverage is valid for trips up to 120 continuous days from departure from Latvia, regardless of the policy term (per T&C 4101.04, clause 1.6). Exception: Student programme policies may be issued for longer durations. For older T&C versions (4101.03), the limit was 181 days. If the policy covers multiple trips within one year, the per-trip limit applies independently for each trip. | Medical expenses coverage applies up to 30 days from the date of hospitalization, or until transfer to the home country becomes possible, whichever occurs first. For annual multi-trip policies, each individual trip may be covered for a maximum of 30, 60, or 90 days depending on the selected option. Single-trip policies can be issued for 1 to 365 days. | Travel insurance is not valid if the insured person left the country of residence more than 60 days before the insurance contract was concluded. The insurance contract territory and period are specified in the individual policy schedule. Coverage is valid only outside the insured's home country. |
| Proof and next steps | ||||
Direct payment policy | In critical emergencies, seek medical help immediately and notify the Balcia 24-hour assistance centre (+371 20 68 2222) at the earliest opportunity. Keep all payment confirmation documents for treatment or stay at a medical facility. | BALTA can pay the service provider directly (e.g. hospital) based on submitted payment documents. For repatriation, evacuation, burial abroad, and in-home-country medical transport, prior written coordination with BALTA or the assistance service is required. In Turkey, Egypt, Thailand, Russia, and the USA, the policyholder must use the assistance service's recommended medical facilities; otherwise BALTA may limit reimbursement to the cost of services at the recommended facility. | BTA operates its own 24/7 travel assistance service (+371 26 12 12 12). For treatment in Turkey, Egypt, Greece, Bulgaria, or Russia, the insured must contact BTA or its partner before receiving medical services. In countries where EHIC is valid, the insured must first request payment under EHIC terms. Medical expenses exceeding EUR 1,000 must be approved by BTA as soon as possible. BTA may arrange direct payment to partner medical facilities; otherwise the insured pays out of pocket and submits receipts for reimbursement. | Compensa, in cooperation with the assistance service, contacts the medical institution and guarantees payment for services where such an arrangement is required. The insurer handles insurance event formalities and pays invoices for services received. If medical expenses in Turkey or Egypt are not pre-authorized with Compensa, the insurer may reimburse only the amount it would have paid had treatment been arranged through the assistance service. |
Last verified | May 19, 2026 | May 19, 2026 | May 19, 2026 | May 19, 2026 |