Compensa Vienna Insurance Group ADB Latvia Branch / Compensa Life Vienna Insurance Group SE Latvia Branch
Compensa
Compensa is a travel insurance for the Latvia market with online purchase and 24/7 assistance.
Direct payment
The insurer's 24/7 Assistance Service coordinates and can arrange direct settlement with medical providers and other service providers abroad; the insured or a representative must contact the Assistance Service immediately upon illness or accident, and unilateral treatment decisions made without coordination with the Assistance Service or insurer may result in a refusal or reduction of indemnity.
Geographic scope
Worldwide, with selectable geographic zones
Coverage territory is chosen at policy purchase: Baltic States (Lithuania and Estonia), Europe (including Israel, Egypt, Tunisia and Morocco), Worldwide, Worldwide excluding USA, Canada, Australia, New Zealand and Japan, Republic of Belarus, or the Russian Federation. The policy is never valid in the insured's home country (Latvia).
Unique selling points
- Six selectable coverage tiers (Pamata, Standarta, Paplašinātā, Ekstra, Zelta, Platīna) with medical sums insured ranging up to 110,000 EUR.
- Ski pass reimbursement of up to 40 EUR/day if a sudden illness or injury stops the insured from skiing during the trip.
- Compensation of 40 EUR per day if all pistes at the destination ski resort are closed due to sudden adverse weather.
- Pet boarding cover of up to 25 EUR/day abroad if the insured travelling alone with a pet is hospitalized.
- Replacement driver service to bring the insured's car home if hospitalization prevents the insured from continuing to drive.
Coverage limits
Medical expenses
€10,000 – €110,000
The core 'Medical expenses and health' risk block (emergency treatment, hospitalization, medical transport, repatriation, burial expenses and medical aids) carries a sum insured of 10,000 to 110,000 EUR depending on the selected programme tier; the exact sum insured for the chosen tier is stated in the individual policy.
Emergency medical treatment
€10,000 – €110,000
Emergency medical treatment for sudden illness, accident, or acute deterioration is covered for up to 30 days per insured event, within the tier's overall medical sum insured (10,000-110,000 EUR).
Hospitalization
€10,000 – €110,000
In-patient treatment (diagnostics, treatment, and emergency surgery needed to avert an immediate threat to life or health) is covered within the tier's medical sum insured; an additional 20 EUR/day hospital cash benefit is paid on top for stays of at least 48 hours.
Outpatient treatment
€10,000 – €110,000
Outpatient consultations, manipulations and diagnostics needed for emergency treatment are covered within the tier's medical sum insured.
Emergency dental treatment
Covered
Emergency dental treatment for acute toothache or dental trauma is covered (consultation, X-ray, root canal opening/cleaning, extraction, filling); no separate sub-limit is stated, it is covered within the tier's overall medical sum insured.
Medical transport
Covered
Transport of an insured injured or suddenly ill person to the nearest medical facility abroad (and, where arranged, to a facility in the home country) is covered within the overall medical sum insured; no separate numeric sub-limit is stated in the terms.
Medical evacuation / repatriation while ill
Covered
If medically justified, the insurer/Assistance Service organizes and pays for the insured's evacuation/repatriation to the home country when the person cannot travel unassisted after hospitalization; an accompanying medical escort is covered up to 1,000 EUR where required by the medical condition.
Repatriation of remains / burial expenses abroad
€1,000
In case of death abroad, the insurer/Assistance Service organizes transportation of the remains to the home country; coffin acquisition costs for the repatriation, or cremation/burial abroad as an alternative, are capped at 1,000 EUR, within the overall medical sum insured.
Search and rescue expenses
Covered
Documented search and rescue costs are reimbursed, up to the sum insured stated in the individual policy, if the insured becomes lost during the trip and search/rescue is performed by a foreign authority or specialized service, provided the costs are not covered under other applicable regulations.
COVID-19 / pandemic-related treatment
Excluded
Losses arising from a pandemic or global-scale epidemic, and related safety measures (e.g. flight cancellations, entry/exit bans in the affected region), are excluded under the general exceptions, unless the policy explicitly states otherwise.
Pre-existing conditions
Excluded
Treatment of an illness diagnosed before the insurance contract took effect is excluded, except for the acute exacerbation of a chronic or congenital condition, which is covered up to 1,500 EUR for a maximum of 5 days from the first doctor visit/hospitalization.
Winter sports cover
Optional
Winter sports (e.g. skiing, snowboarding, skating, sledding) are covered only if the insured has purchased the dedicated 'Winter activities/sport' programme; cover applies only on pistes specially designated, prepared and equipped for the purpose - off-piste incidents are excluded.
Adventure / high-risk sports cover
Optional
Medium, high and very high-risk activities (e.g. mountaineering, rafting, diving beyond 10m, motorsport) require purchase of the corresponding 'Active leisure/sport' risk-class programme; short, unplanned low-risk activities organized as tourist add-ons are covered automatically without extra premium.
Pregnancy complications
€1,500
Emergency care for pregnancy complications is covered up to 1,500 EUR, on condition the pregnancy does not exceed 30 weeks and the pregnant traveller can present a fitness-to-travel certificate from her home-country doctor, issued no earlier than one week before the trip's start.
Personal liability
€250 – €50,000
Personal liability for unintentional bodily injury or property damage caused to a third party during the trip is available depending on the selected programme, with a liability limit of 250 to 50,000 EUR; a claim must be submitted within the policy period or within 30 days after it ends.
Legal assistance
€250 – €50,000
Reasonable, pre-agreed costs of foreign legal assistance (e.g. following a traffic accident, minor administrative offence, or as an injured party or accused) are covered within the same 'Liability' risk block sum insured of 250 to 50,000 EUR, depending on the selected programme.
24/7 assistance service
Covered
A round-the-clock Assistance Service specialized in providing help to travellers worldwide (medical help, transport, repatriation, and settlement of related bills) is available to all insured persons under the policy.
Key conditions
Assistance call deadline
The insured must contact the nearest medical facility and the insurer's Assistance Service as soon as possible, but no later than 24 hours, after a sudden illness or accident; the formal claim application must be submitted within 30 days of the insured event.
Unauthorized treatment
If the insured or their relatives unilaterally decide on examination, diagnosis, treatment, or choose a higher-service medical facility without coordinating with the insurer/Assistance Service, the insurer may refuse to pay the claim; failure through simple negligence to meet policy obligations may reduce the indemnity by up to 50%.
Purchase while abroad
If the insurance contract is concluded while the insured is already abroad, cover only starts 48 hours after the contract is concluded; the policy is also not valid if the insured had already left the home country more than 60 days before the contract was concluded.
Chronic conditions
Chronic diseases (including e.g. heart disease, diabetes, cirrhosis, multiple sclerosis, asthma, tumours) are, by definition, treated as pre-existing; only a sudden, unforeseen acute exacerbation of such a disease is covered, and only up to 1,500 EUR for a maximum of 5 days.
Pregnancy
Emergency care for pregnancy complications is covered up to 1,500 EUR only if the pregnancy is no further than 30 weeks and a fitness-to-travel certificate from a home-country doctor, dated no earlier than one week before departure, can be produced; routine pregnancy care, childbirth and elective termination are excluded.
Pre-existing condition exclusions
Treatment of an illness diagnosed before the insurance contract entered into force is excluded, along with related prescription medication that the insured had to take regularly for it; only an acute, sudden exacerbation of a chronic condition requiring emergency care is covered, subject to the 1,500 EUR / 5-day sub-limit.
Coverage duration limit
Cover applies only during the trip and, regardless of the insurance period purchased (except for long-term policies), is never valid from the 61st day onward after leaving the home country; medical treatment costs are covered for a maximum of 30 days per insured event.
Policy specifics
Assistance service coordination requirement
Insured must contact insurer's assistance service immediately upon illness or accident
SourceEHIC card requirement
Insured should carry European Health Insurance Card (EHIC) for coverage in EU countries
SourceClaims notification period
Insured must notify insurer within 30 days of insured event occurrence
SourceMedical treatment approval
Only insurer-authorized or assistance service-authorized medical specialists can approve treatment type
SourceHigh-risk activities exclusion
Physical labor and high-risk sports/activities excluded unless specifically noted in policy
Source