Akcine draudimo bendrove "Gjensidige" Latvia branch

Assistance call deadline

The insured must notify the insurer within 24 hours for events involving inpatient hospitalization or death, within 7 calendar days for other events after returning from the trip, and submit a written claim with supporting documents within 30 calendar days.

Unauthorized treatment

Medical evacuation arrangements require the insurer's written confirmation in advance; if arranged without written consent, the insurer decides at its discretion whether to reimburse and, if so, reimburses only the minimum amount it would otherwise have covered.

Purchase while abroad

If the insurance contract is concluded after the trip has already started, coverage may be denied for medical expenses, dental expenses, medical transport, accompanying relative's expenses, repatriation, and accident-related benefits.

Chronic conditions

Coverage typically excludes the exacerbation of chronic illnesses that existed prior to the start of the trip.

Pregnancy

Emergency medical expenses related to pregnancy complications are reimbursed only up to the 24th week of gestation.

Pre-existing condition exclusions

Treatment of pre-existing medical conditions is generally excluded from coverage, and purchase timing relative to the trip start date affects eligibility.

Coverage duration limit

Single continuous trip: up to 365 days, worldwide except Russia, Belarus and Ukraine. Annual multi-trip: up to 45 days per trip, Europe. Multi-trip for professional drivers: up to 35 days per trip, Europe. Annual open policy: 365 days, worldwide.

Repatriation of mortal remains

Coverage for transportation of deceased person to home country

Accident insurance

Optional coverage for injuries or death resulting from accidents during travel

Baggage insurance

Optional coverage for loss, damage, or delay of baggage during travel

Trip cancellation

Optional coverage for prepaid trip expenses if forced to cancel before departure

High-risk activities exclusion

Coverage excludes or requires special notation for extreme leisure activities such as rock climbing, cave diving, kiteboarding, and parachuting from fixed objects

Medical evacuation advance approval requirement

Medical evacuation arrangements require insurer written confirmation in advance; if arranged without written consent, insurer determines at its discretion whether to reimburse and reimburses only minimum amount they would have covered

Claim notification timeframe

Insured must notify insurer within 24 hours for events involving inpatient hospitalization or death; within 7 calendar days for other events after returning from trip; within 30 calendar days by submitting written claim with documentation

Pre-existing conditions exclusion

Coverage typically excludes treatment of pre-existing medical conditions or exacerbation of chronic illnesses; policy purchase timing affects eligibility

War and civil unrest exclusion

Coverage is void if the insurable event originates from war, military operations, civil war, insurrection, or mass civil disorder

Territorial scope of coverage

Coverage applies only in the territory specified in the insurance policy; outside this territory coverage is void; available territory options include Europe, World coverage, and specific regional combinations