Gjensidige
Gjensidige is a travel insurance for the LV market with online purchase and 24/7 assistance.
Direct payment
For significant medical expenses and/or repatriation, the insured must contact ADB "Gjensidige" Latvia branch or the 24/7 assistance partner OPS International UAB. The insurer guarantees payment of medical and repatriation costs where prior coordination has taken place. For smaller expenses, the insured typically pays first and submits a claim within one calendar month of the incident.
Geographic scope
LV
Worldwide (excluding Russia, Belarus, Ukraine); Europe option (excluding Russia, Belarus, Ukraine); single-trip up to 365 days; multi-trip annual up to 45 days per trip; annual open policy 365 days
Unique selling points
- Chronic illness treatment during travel is reimbursed — not just acute sudden illness — setting Gjensigde apart from policies that exclude pre-existing conditions.
- Active recreation is included in all programmes at no extra cost, so travellers engaging in hiking, cycling, or similar activities need not pay an additional premium.
- 24/7 multilingual assistance is available in 6 languages worldwide through OPS International UAB, ensuring support regardless of destination or time zone.
- COVID-19 medical treatment is covered as standard within the full medical expenses limit (up to 110,000 EUR on the VIP programme), with no separate sub-limit for COVID-19 cases.
- Flexible policy types include single trip (up to 365 days), annual multi-trip (up to 45 days per trip), and an annual open policy for frequent travellers — all purchasable online with a 10% discount.
Coverage limits
Medical expenses
Covered
Coverage for medical examination and treatment costs arising from an accident or sudden illness during the trip, including medications. The insured sum ranges from 45,000 EUR (Pamata programme) to 110,000 EUR (VIP programme).
Emergency medical treatment
Covered
Emergency medical treatment costs are covered within the overall medical expenses insured sum (45,000–110,000 EUR depending on programme tier). Covers emergency care, diagnostics, hospitalisation, surgery, and medications arising from a sudden accident or illness during travel.
Hospitalisation
Covered
Hospitalisation costs are covered within the overall medical expenses insured sum. No separate sub-limit is stated for hospitalisation; it falls under the overall medical expenses limit of 45,000–110,000 EUR.
Outpatient treatment
Covered
Outpatient treatment costs (consultations, examinations, prescriptions) are covered within the overall medical expenses insured sum of 45,000–110,000 EUR. No separate sub-limit is specified.
Emergency dental treatment
Covered
Dental expenses in case of acute illness or injury (e.g. doctor consultation, X-ray, root canal opening). The insured sum ranges from 135 EUR (Pamata) to 330 EUR (VIP).
Medical transport
Covered
Emergency medical transport costs (e.g. ambulance, rescue helicopter). The insured sum ranges from 900 EUR (Pamata) to 2,200 EUR (VIP).
Medical evacuation
Covered
Medical evacuation is covered under the medical transport benefit. The insured sum ranges from 900 EUR to 2,200 EUR depending on the programme tier chosen.
Repatriation (illness/death)
Covered
Medically justified repatriation costs to the home country in case of serious illness, or repatriation of remains in case of death. Insured sum ranges from 4,500 EUR (Pamata) to 11,000 EUR (VIP). Note: the EVAC card does not cover repatriation expenses.
Search and rescue
Covered
Search and rescue costs are referenced as covered under the assistance (palīdzības) insurance component of the policy. A specific monetary sub-limit is not stated in the IPID; coverage falls within the overall assistance framework under T&C Nr. 12.5.
COVID-19 treatment
Covered
COVID-19 risk is included as standard in the current Gjensidige travel insurance policy (T&C Nr. 12.5). Medical expenses for COVID-19 are covered within the overall medical expenses insured sum of 45,000–110,000 EUR.
Pre-existing / chronic conditions
Conditional
Gjensidige explicitly states it reimburses both acute and chronic illness treatment expenses. Coverage for chronic disease treatment during travel is included, subject to the condition that the illness was not planned or foreseeable before the trip. The overall medical expenses limit (45,000–110,000 EUR) applies.
Winter sports cover
Optional
Winter sports (e.g. skiing, snowboarding) are classified as active recreation or high-risk sports activities. Active recreation is included without extra premium. High-risk sports require a special note in the policy. Coverage for winter sports at the recreational level falls under the active recreation inclusion; competitive/training use is excluded.
Adventure / high-risk sports cover
Optional
High-risk recreational and sports activities (e.g. diving, mountain trekking, kiteboarding) require an explicit note in the policy. Active recreation is included without extra premium as a standard benefit. High-risk sports activities are covered only if endorsed on the policy. Sports competitions and training are excluded.
Pregnancy complications
Conditional
Medical expenses related to pregnancy complications are covered up to week 32 of pregnancy. Coverage is conditional on the complications arising during travel; it falls within the overall medical expenses insured sum of 45,000–110,000 EUR.
Personal civil liability
Optional
Civil liability coverage for damages caused to third parties. Available as an optional add-on depending on the programme selected (LUX/VIP). The insured sum ranges from 30,000 EUR to 80,000 EUR.
Legal assistance
Optional
Legal assistance (juridiskā palīdzība) and interpreter assistance are listed among the services provided under the assistance component of the policy. A specific monetary limit for legal assistance alone is not stated in the IPID; it appears as part of the optional assistance package.
24/7 assistance
Covered
24/7 worldwide assistance is included in all programmes. Provided by the partner OPS International UAB (tel. +371 64415242). Assistance is available in 6 languages around the clock anywhere in the world.
Key conditions
Assistance call deadline
In case of significant medical expenses and/or need for repatriation, the insured must contact ADB "Gjensidige" Latvia branch (+371 67112222, during working hours) or the 24/7 partner OPS International UAB (+371 64415242) as soon as possible. Claims must be submitted no later than 1 (one) calendar month after the insured event.
Unauthorized treatment
Medical expenses must be coordinated with the assistance service for significant costs. If the insured receives treatment without prior coordination where required, the insurer may reduce or refuse reimbursement for those expenses.
Purchase while abroad
If the insurance contract is concluded while the insured is already abroad (outside the home country), coverage begins 48 hours after conclusion of the contract for medical expenses, dental, medical transport, repatriation, and related benefits.
Chronic conditions
Gjensidige explicitly covers both acute and chronic illness treatment expenses incurred during travel. The condition is that the treatment relates to an event arising during the trip and was not planned or foreseeable before the trip.
Pregnancy
Medical expenses related to pregnancy complications are covered up to and including week 32 of pregnancy, provided the complications arise during travel.
pre_existing_conditions
Coverage for pre-existing conditions is available to the extent that the illness or its acute episode arises unexpectedly during the trip. Planned or foreseeable treatments are excluded. Chronic illnesses are covered when they give rise to an unforeseeable acute episode during travel.
coverage_duration_limit
Single continuous trip insurance: up to 365 days (worldwide, excluding Russia, Belarus, Ukraine). Annual multi-trip insurance: each trip up to 45 days (Europe, excluding Russia, Belarus, Ukraine). Professional drivers multi-trip: up to 35 days (Europe, excluding Russia, Belarus, Ukraine). Annual open policy: 365 days (worldwide, excluding Russia, Belarus, Ukraine).
Where to buy
Documents
Ceļojumu apdrošināšanas noteikumi Nr. 12.5 (LV) – spēkā no 2019. gada 1. aprīļa
terms_and_conditions
Ceļojumu apdrošināšanas noteikumi Nr. 12.4 (LV) – iepriekšējā redakcija
terms_and_conditions
Ceļojumu apdrošināšanas papildus noteikumi (LV)
terms_and_conditions
Apdrošināšanas produkta informācijas dokuments – Ceļojumu apdrošināšana Nr. 12.5
ipid
Gjensigde Ceļojumu apdrošināšana IPID (via octas.lv mirror)
ipid
Policy specifics
Active recreation coverage
Gjensigde includes active recreation coverage without additional premium as a standard benefit in all travel insurance programmes.
Chronic illness coverage
Coverage includes reimbursement for both acute and chronic illness treatment expenses incurred during travel, provided they were not planned or foreseeable before the trip.
Pregnancy complications coverage
Medical expenses related to pregnancy complications are covered up to week 32 of pregnancy, provided the complications arise during travel.
Repatriation and medical evacuation
Coverage for medical transportation and repatriation expenses in case of serious illness (4,500–11,000 EUR) and medical transport/evacuation (900–2,200 EUR). The EVAC card does not cover repatriation expenses.
Accident compensation
Compensation not only for medical expenses but also for accident-related damages (e.g. death and permanent disability lump-sum payments) where the accident occurs during travel.
24/7 multilingual assistance
24/7 assistance in 6 languages worldwide is provided through Gjensigde's partner OPS International UAB, available at any time if an accident occurs during travel.
Travel must start in Latvia
Insurance coverage is only valid if the trip starts from Latvia (i.e. the insured crosses the Latvian border). The annual open policy covers trips starting from Latvia throughout the year.
Maximum trip duration
Single continuous trip insurance: up to 365 days (worldwide). Annual multi-trip: up to 45 days per trip (Europe). Professional drivers multi-trip: up to 35 days (Europe). Annual open policy: 365 days (worldwide).
War and civil unrest exclusion
Insurance coverage is not valid if the incident occurrence is related to war activities or mass civil unrest. Travellers are advised not to visit high-risk countries including Israel, Iran, Afghanistan, Syria, Lebanon, Myanmar, Mali, and Burkina Faso.
COVID-19 coverage included
Travel insurance now includes COVID-19 risk coverage as a standard inclusion in the current policy version (T&C Nr. 12.5).
Coverage programme tiers
Three main insurance programme options are available: Pamata (Basic), LUX, and VIP. Medical expenses insured sum ranges from 45,000 EUR (Pamata) to 110,000 EUR (VIP). Programmes can be customised based on travel purpose (leisure, business, studies, work).