ERGO
ERGO is a travel insurance for the LV market with online purchase and 24/7 assistance.
Direct payment
If the insured contacts the ERGO assistance partner (InterAssist) before treatment, a payment guarantee can be sent directly to the medical institution so the insured need not pay out-of-pocket. For other risks, reimbursement is made after submission of payment documents.
Geographic scope
LV
Worldwide (multiple zones: Europe, World excl. USA/Canada/Caribbean/Australia/New Zealand, Whole World); policy valid outside insured's home country; Israel excluded for contracts from 24.10.2023
Unique selling points
- Medical expenses covered up to EUR 70,000–110,000 per insured person, significantly above many market-standard limits, with no separate sub-limit for repatriation or medical transport.
- COVID-19 medical treatment is covered abroad with no preconditions regarding prior illness, vaccination status, or territorial restrictions, including coverage for rescheduled return tickets.
- Highly customizable Individual program allowing any combination of risks from the full product menu, in addition to three standard tier programs (Standard, Extended, Premium).
- Online policy issuance available instantly for persons up to age 80, with policies valid for single trips of 1–90 days or annual multi-trip policies covering unlimited trips up to 28 days each.
- Direct payment guarantee service: when contacting the ERGO assistance partner (InterAssist) before treatment, a payment guarantee can be sent directly to the medical institution abroad, eliminating out-of-pocket upfront costs for the insured.
Coverage limits
Medical expenses (emergency medical assistance)
Covered
Covers emergency medical assistance expenses abroad arising from acute illness, accident consequences, sudden health deterioration (sunburn, frostbite, poisoning), or chronic disease exacerbation. Includes outpatient and inpatient services, acute surgery, diagnostics, prescribed medicines, and hospital stay. Chronic disease exacerbation covered for a maximum of 5 days from first doctor visit, and only once per policy period per condition.
Emergency medical treatment
Covered
Covers urgent medical services that must be provided immediately due to acute deterioration of health caused by sudden illness or accident, to prevent further deterioration or risk to life. Covered until the insured can be transported to the home country or emergency care is no longer necessary.
Hospitalization
Covered
Covers inpatient medical services including stay, meals, and nursing care in hospital abroad, as part of the overall medical expenses coverage. Covered within the overall medical expenses insured sum.
Outpatient treatment
Covered
Covers outpatient medical services abroad including consultations, diagnostics (functional, laboratory, instrumental), prescribed medicines and bandaging materials, and procedures ordered by a doctor. Covered within the overall medical expenses insured sum.
Emergency dental treatment
Covered
Covers dental expenses abroad in acute illness or trauma cases: doctor consultation, X-ray for diagnosis, root canal opening and cleaning, temporary filling, and tooth extraction. Conservative dental treatment, prosthetics, hygiene, permanent fillings, orthodontics, and periodontal disease treatment are excluded. Technical medical aids (crutches, orthoses, wheelchairs, fixators) covered up to EUR 200 per event.
Medical transport abroad
Covered
Covers emergency medical transport (ambulance or taxi) abroad to reach a doctor or medical institution. Also covers rescue service costs if followed by emergency medical assistance. Transport within the home country to a hospital is also covered if it follows repatriation and hospitalization is necessary.
Medical evacuation / repatriation
Covered
Covers repatriation expenses following medical assistance or death abroad. Repatriation must be medically justified and recommended in writing by the treating physician. If the insured's condition is severe and repatriation is not possible, travel and accommodation costs for one family member are covered (hotel up to EUR 50/day, max 10 days, plus economy class tickets). Child evacuation covered if the insured is hospitalized and the minor child is left without adult supervision.
Repatriation of remains
Covered
Covers costs for coffin, cremation urn, and transportation of the deceased to the home country, as well as document and permit costs related to repatriation of remains. Alternatively, burial costs abroad (including coffin) are covered if pre-agreed in writing with the insurer.
Search and rescue
Conditional
Covers rescue service costs abroad if they are followed by emergency medical assistance to the insured as defined in clause 5.1.1. Not covered as a standalone event without subsequent emergency medical care.
COVID-19 treatment
Covered
Medical expenses are covered if the insured person contracts COVID-19 while abroad. If the insured cannot use pre-purchased travel tickets due to COVID-19 illness, costs of new tickets are also covered. No preconditions regarding prior COVID-19 illness, vaccination status, or territorial coverage restrictions. Covered within the overall medical expenses insured sum.
Pre-existing conditions / chronic disease
Conditional
Chronic or congenital diseases are generally not covered as pre-existing conditions. However, acute exacerbation of a chronic disease is covered for emergency medical expenses for a maximum of 5 days from the first doctor visit, and only once per policy period per same condition. Treatment that doctors recommended against traveling before the trip is excluded. Regular pre-trip medications are excluded.
Winter sports coverage
Optional
Coverage for winter sports (snowmobile riding, alpine skiing, snowboarding) requires a special mark in the policy. Coverage for skiing or snowboarding off designated prepared pistes is valid only within the boundaries of an official ski resort, not exceeding resort prohibitions regarding dangerous zones, and only when wearing a protective helmet. Additional ski-specific risks (lift pass, closed pistes) also available as add-ons.
Adventure / high-risk sports coverage
Optional
Coverage for high-risk activities (as listed in Appendix 1, e.g. scuba diving up to 30m, basketball, motorcycle riding, rafting up to category III, trekking up to 3500m, surfing, etc.) requires a special mark in the policy. Activities such as rock climbing, alpinism, parachute jumping, motorized competition vehicles, diving in caves or deeper than 30m, heliboarding, and bungee jumping are excluded even with the mark. Professional sport participation is never covered.
Pregnancy complications
Conditional
Treatment related to pregnancy, termination of pregnancy, or premature birth after the 28th week of pregnancy is excluded. Medical assistance provided after an accident during travel is an exception and is covered. Coverage for pregnancy-related conditions is therefore conditional and limited to cases before week 28 or resulting from an accident.
Personal (private) civil liability
Optional
Covers civil liability for damages caused to third parties during travel (personal injury or property damage). Included in Extended and Premium programs; available as optional add-on. Covers validity assessment of claims, payment of justified claims, and rejection of unjustified claims, plus associated court and extra-judicial costs. The insured may not admit or settle claims without the insurer's prior consent.
Legal expenses / legal assistance
Optional
Covers legal assistance costs (attorney fees) abroad if the insured unintentionally violates local traditions, norms of conduct, or regulations during travel, resulting in damages to a third party. Covers the insured as defendant in first instance and appeal courts, and dispute resolution without court proceedings. Does not cover criminal defense in cases of intentional acts, vehicle-related claims, insolvency, or administrative appeals.
24/7 assistance service
Covered
ERGO's authorized assistance partner (InterAssist, indicated on the travel product page) provides 24/7 support for organizing emergency medical assistance abroad. The insured must contact the assistance service to coordinate treatment in premium service conditions, change of medical institution, or repatriation. Telephone call expenses to the insurer and assistance service are also reimbursed.
Key conditions
Assistance call deadline
The insured must immediately seek emergency medical assistance and contact the ERGO assistance partner (InterAssist) to coordinate treatment in premium service conditions, change of medical institution, or repatriation. If the insured or their relatives unilaterally decide on examination, diagnosis, treatment, change of medical institution, or repatriation without written agreement with the insurer or assistance service, the insurer may limit reimbursement to the minimum amount for which the insurer could have organized the service.
Unauthorized treatment
If the insured or their representatives unilaterally, without written agreement with the insurer or assistance service, decide on examination, diagnostics, treatment, premium service conditions, change of medical institution, or repatriation, the insurer will reimburse only the minimum amount for which the insurer could have arranged the repatriation. Treatment costs from the day repatriation was agreed and possible but refused by the insured are not covered.
Purchase while abroad
If the insurance contract is concluded while the insured is already outside their home country, the insurance contract takes effect 24 hours after the conclusion of the contract and full premium payment.
Chronic conditions
Chronic disease exacerbation is covered for emergency medical expenses for a maximum of 5 days from the first doctor visit, and only once per policy period for the same chronic disease. A chronic disease is defined as a gradual deterioration of physiological processes characterized by more or less frequent acute changes (flare-ups), regardless of whether it was previously diagnosed.
Pregnancy
Treatment related to pregnancy, termination of pregnancy, or premature birth after the 28th week of pregnancy is excluded. Medical assistance provided after an accident during travel is an exception and remains covered. Travel insurance is therefore only valid for pregnancy-related emergencies before week 28 or caused by an accident.
pre_existing_conditions
Acute illness (Akūta saslimšana) is defined as sudden, unforeseen, unexpected deterioration of health that is NOT a continuation or consequence of the health condition the insured had when starting the trip or before the trip. Chronic or pre-existing conditions and their complications are generally not covered except for emergency care in acute exacerbation (max 5 days, once per policy period per condition). Doctors must not have recommended against travel before the trip.
coverage_duration_limit
Short-term travel insurance policy: from 1 to 90 days. Annual travel policy: unlimited number of trips, but maximum 28 days per individual trip. For longer trips or annual policies with a longer per-trip duration, contact ERGO specialists. If the insured exceeds the policy's stated trip or stay duration, coverage is not valid for the excess period.
Where to buy
Policy specifics
Travel cancellation
Coverage for expenses incurred when canceling a pre-paid trip due to health problems of insured or family members
Trip delay
Coverage for expenses arising from missing arrival due to traffic accidents or other transport delays
Electronics insurance
Coverage for damage to electronics (phones, laptops) during travel
Repatriation
Coverage for medical transport and repatriation to home country if medically necessary
Extreme activities exclusion
Medical expense coverage may be invalid if extreme or dangerous activities during travel not declared in advance
European Health Insurance Card requirement
Insured persons travelling to EU/Schengen must have or obtain European Health Insurance Card (EVAK) when required
Israel coverage exclusion
Travel insurance to Israel not valid for contracts concluded from 24.10.2023 onwards due to armed conflict