Compensa
Compensa is a travel insurance for the LV market with online purchase and 24/7 assistance.
Direct payment
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.
Geographic scope
LV
Worldwide (excluding home country of residence). Available territories: Baltic states (Lithuania, Estonia), Europe (including Israel, Egypt, Tunisia, Morocco), Worldwide, Worldwide excluding USA/Canada/Australia/New Zealand/Japan, Republic of Belarus, Russian Federation. Policy territory specified in individual policy schedule.
Unique selling points
- Six programme tiers from Basic to Platinum with medical expenses sum insured up to EUR 110,000, accommodating a wide range of travel needs and budgets.
- Worldwide 24/7 assistance helpline (+371 67558899) with direct coordination of medical treatment and guaranteed payment to medical facilities — no upfront payment required in most cases.
- Companion expenses (travel, accommodation, meals, and childcare) covered when insured is hospitalized abroad and companion attendance is approved — a benefit not universally offered by competitors.
- Search and rescue expenses covered when the insured is missing or lost during travel, providing protection for outdoor and adventure itineraries.
- Policy can be purchased online instantly at veikals.compensa.lv with discounts of up to 25%, and is available even during an ongoing trip (with 48-hour activation).
Coverage limits
Medical expenses and health
Covered
Emergency medical assistance and/or hospitalization due to sudden illness, exacerbation of chronic disease, injury, accident, acute deterioration of health, pregnancy complications, medical transport, repatriation, burial expenses, and medical aids. Sum insured ranges from EUR 10,000 to EUR 110,000 depending on the selected programme (Basic through Platinum).
Emergency medical treatment
Covered
Coverage for emergency medical expenses arising from sudden illness, acute exacerbation of chronic disease, or accident. Included in all programmes (Basic through Platinum) within the medical expenses sum insured of EUR 10,000 to EUR 110,000.
Hospitalization
Covered
Hospitalization costs covered under the medical expenses and health risk in all programmes. Sum insured from EUR 10,000 to EUR 110,000 per insured person per policy period.
Outpatient treatment
Covered
Outpatient emergency medical treatment is covered within the medical expenses and health risk across all programmes. Included in the overall medical expenses sum insured of EUR 10,000 to EUR 110,000.
Emergency dental treatment
Covered
Essential dental treatment costs covered in cases of acute inflammation, acute pain, or treatment required as a result of an accident. Covered within the medical expenses and health risk.
Medical transport
Covered
Specialized medical transport covered within the medical expenses and health risk in all programmes. Burial expenses abroad covered up to EUR 1,000 with the remainder covered for repatriation of remains. Transport arranged through the assistance service.
Medical evacuation
Covered
Medical evacuation to the home country in case of serious illness or injury. Covered within the medical expenses and health risk in all programmes. The insurer arranges evacuation through the assistance service.
Repatriation of remains
Covered
Repatriation of mortal remains to the home country in the event of death during travel. Burial expenses abroad are covered up to EUR 1,000, with the remaining repatriation costs covered within the medical expenses sum insured. Covered in all programmes.
Search and rescue expenses
Covered
Coverage for search and rescue expenses if the insured person is missing or lost during travel. The insurer arranges for locating the insured and provides rescue assistance. The insured must have reported the disappearance to the relevant authorities.
COVID-19 treatment
Excluded
Losses related to pandemic or epidemic, including COVID-19, are explicitly excluded under the policy. Losses arising from pandemic or epidemic are listed as a standard exclusion.
Pre-existing conditions / Chronic disease exacerbation
Conditional
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
Winter sports activities (skiing, snowboarding, etc.) are not covered under the standard programme unless specifically noted on the policy. Coverage for winter sports on designated prepared and equipped runs can be added by endorsement. Winter sports outside designated runs are excluded even with endorsement unless specifically noted.
Active leisure / Adventure sports cover
Optional
Active leisure and sports activities are excluded from the standard programme unless specifically noted on the policy. Higher-risk leisure/sports activities are also excluded unless noted. Additional endorsements are available for activities such as sailing, karting, surfing, windsurfing, kiteboarding, skiing, snowboarding, diving (to 10m or 30m depth), mountain hiking up to 2,500 m.a.s.l., and more.
Pregnancy complications
Conditional
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.
Personal civil liability
Optional
Personal civil liability, legal assistance, and interpreter assistance. Available as an additional risk depending on the selected programme. Sum insured from EUR 250 to EUR 50,000.
Legal assistance
Optional
Legal assistance and interpreter assistance included within the liability risk. Available as an additional risk depending on the selected programme. Sum insured from EUR 250 to EUR 50,000 (shared with personal civil liability).
24/7 assistance service
Covered
24/7 assistance helpline available worldwide at +371 67558899. In the event of an insured event, the assistance service provides help, coordinates necessary treatment, and if necessary arranges transportation. Included in all programmes.
Key conditions
Assistance call deadline
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.
Unauthorized treatment
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.
Purchase while abroad
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
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
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.
pre_existing_conditions
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
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.
Where to buy
Policy specifics
Travel cancellation
Coverage for financial losses from cancelled or interrupted trips due to covered reasons
Companion attendance and expenses
Coverage for arrival, accommodation, meals and childcare expenses of a family member or travel companion if insured requires hospitalization abroad
Home country restriction
Travel insurance is not valid in the insured's home country; coverage is only for travel outside the country of residence
60-day continuous absence requirement
Travel insurance is not valid if the insured person left the country of residence earlier than 60 days before policy inception
EHIC card requirement
When receiving medical treatment in EU, EEA or Swiss medical institutions, insured must present European Health Insurance Card (EHIC)
Non-emergency surgery exclusion
Non-emergency surgical procedures are not covered, including knee operations (arthroscopy) for meniscal or cruciate ligament injuries
Cosmetic baggage damage exclusion
No reimbursement for scratched or cosmetically damaged baggage that remains fit for intended use
48-hour grace period for policies purchased abroad
When insurance contract is concluded while insured is outside home country, coverage begins 48 hours after policy inception, not immediately
Duplicate policy benefit coordination
If insured has multiple travel insurance policies from insurer with overlapping risks, indemnity is paid only for the policy with highest sum insured for that risk
Turkey and Egypt medical provider restrictions
If insurance event occurs in Turkey or Egypt, insured must contact assistance service before receiving medical care and pre-authorize medical expenses. Expenses from specific Turkish hospitals are not covered
Travel cancellation
Coverage for financial losses from cancelled or interrupted trips due to covered reasons. Policy must be purchased and paid at least 5 days before the date of the cancellation circumstances arising. Cancellation must be reported to the insurer before departure while in the home country.