If P&C Insurance AS Latvia Branch
If
If is a travel insurance for the Latvia market with online purchase and 24/7 assistance.
Direct payment
The terms do not confirm a cashless/direct-billing arrangement with medical providers; the standard process requires the insured to obtain treatment, pay if required, and submit an invoice/payment document together with a medical extract to claim reimbursement, while calling the number stated on the policy if the insurer's assistance is needed during treatment.
Geographic scope
Policyholder selects one of several territorial tiers: Baltic States & Nordics (Estonia, Lithuania, Denmark, Iceland, Norway, Finland, Sweden); Europe; Europe + UAE/Georgia/Tunisia/Turkey/etc.; World excluding USA/Canada (and, depending on policy edition, excluding Egypt/Turkey); or Worldwide.
Coverage never applies in the insured's country of permanent residence, and all territorial tiers exclude Russia, Belarus and Ukraine; the broadest ('World') and 'Worldwide' tiers also exclude Israel.
Unique selling points
- Medical assistance and repatriation cover selectable up to 1,250,000 EUR, well above typical market minimums.
- Includes optional veterinary assistance abroad for the insured's own dog or cat, with a 2,000 EUR sum insured, an unusual inclusion among travel insurers.
- Optional cover for the deductible on a foreign rental car's CASCO insurance, up to 2,000 EUR.
- High-risk recreational activities such as skiing can be added to any policy simply by marking the option, keeping the core medical cover intact.
- Policies can be purchased quickly and entirely online through If's website and calculator tool.
Coverage limits
Medical Expenses
€100,000 – €1,250,000
Medical assistance and repatriation due to sudden illness or accident, with a sum insured selectable between 100,000 EUR and 1,250,000 EUR.
Emergency Medical Treatment
€100,000 – €1,250,000
Costs of medically accepted treatment methods necessary to provide emergency medical assistance during the trip, within the overall medical sum insured.
Hospitalization
€100,000 – €1,250,000
Hospital treatment costs are covered as part of medically necessary treatment under the medical assistance risk, within the overall medical sum insured.
Outpatient Treatment
€100,000 – €1,250,000
Outpatient medical treatment, doctor visits and state-recognized medicines prescribed by a certified doctor are covered within the overall medical sum insured.
Emergency Dental Treatment
€500
First-aid treatment for acute toothache, including starting root treatment, temporary filling, tooth extraction or opening of an abscess, is reimbursed up to 500 EUR.
Medical Transport
€100,000 – €1,250,000
Costs of medically necessary and justified transportation for treatment purposes are covered within the overall medical sum insured.
Medical Evacuation
€100,000 – €1,250,000
Costs of transportation for treatment purposes together with medically necessary accompanying medical staff, agreed in advance with the insurer, are covered within the overall medical sum insured.
Repatriation of Remains
€100,000 – €1,250,000
Costs of repatriation and burial abroad in the event of death during the trip, including coffin purchase, are covered within the overall medical sum insured (repatriation to the country of permanent residence is reimbursed only up to the cost of repatriation to Latvia).
Search and Rescue
No limit stated
No search-and-rescue benefit is described in the terms and conditions or IPID documents reviewed.
COVID-19 / Pandemic Treatment
Conditional
Although losses arising from epidemics/pandemics are generally excluded, if the 'Medical Assistance' risk occurs due to war, terrorism, epidemic, pandemic, quarantine or natural disaster, costs under clause 2.1.3 are still reimbursed if incurred within 14 days of the event, provided the insured departed before the emergency arose and is not a participant in the conflict.
Pre-existing Medical Conditions
Excluded
'Saslimšana' (illness) is defined as an acute condition that the insured could not have foreseen when starting the trip; conditions that existed or were foreseeable beforehand fall outside this definition and are therefore not covered.
Winter Sports Cover
Optional
High-risk recreational activities, including skiing and similar winter sports, are covered only if specifically marked on the insurance policy as 'Paaugstināta riska aktivitātes'.
Adventure/High-Risk Sports Cover
Optional
Higher-risk activities (e.g. diving, mountaineering, off-piste activities) are covered only if the policy is marked for 'Paaugstināta riska aktivitātes'; genuinely extreme activities and competitions remain excluded even then unless separately agreed and marked on the policy.
Pregnancy Complications
Conditional
Expenses related to pregnancy complications are covered only if, at the planned end of the trip, the pregnancy does not exceed 28 weeks and there have been no prior pregnancy complications or doctor-imposed activity restrictions; costs relating to pregnancy termination or childbirth after the 28th week, or where prior complications existed, are excluded.
Personal (Civil) Liability
€25,000
Optional 'Civil Liability and Legal Assistance' add-on with a combined sum insured of 25,000 EUR, covering damage unintentionally caused by the insured to a third party's health, life or property.
Legal Assistance
€25,000
Optional add-on (combined with civil liability under a shared 25,000 EUR sum insured) covering legal service costs abroad, including bail deposits, when the insured faces administrative or criminal proceedings or needs to defend their rights.
24/7 Assistance
No limit stated
The terms only instruct the insured to call the phone number stated on the policy if the insurer's assistance is needed; none of the reviewed documents explicitly confirm the line operates 24/7.
Key conditions
Assistance call deadline
If the insurer's assistance is needed, the insured must call the number stated on the policy without delay; separately, notification of any insured event to the insurer must be made without delay and no later than 3 working days from when this becomes possible.
Unauthorized treatment
The general terms provide that if the policyholder, insured or beneficiary fails to comply with their notification/action obligations with intent or gross negligence, the insurer is not obliged to indemnify losses that arose or increased as a result.
Purchase while abroad
The policy must in principle be concluded before the trip begins, but it can also be concluded within 48 hours after the trip has started; in that case the contract only enters into force 72 hours after it is concluded.
Chronic conditions
Costs linked to rehabilitation, cosmetic treatment, plastic surgery and similar are excluded, and since 'illness' is defined as an unforeseeable acute condition, exacerbation of a known chronic disease generally falls outside the medical assistance cover.
Pregnancy
Pregnancy-related medical costs are covered only up to the 28th week of pregnancy at the trip's planned end date, provided there were no earlier pregnancy complications or doctor-imposed restrictions; costs after week 28, or related to complicated pregnancies, are excluded.
Pre-existing condition exclusions
Because insured 'illness' is defined as an acute, unforeseeable deterioration in health at the start of the trip, medical conditions that already existed or were foreseeable before travel are not covered under the medical assistance risk.
Coverage duration limit
The insurance period must cover the entire duration of the trip; a policy covering only part of the trip (e.g. only the first or last days) is deemed invalid from inception. No separate maximum number of insured days was stated in the reviewed documents.
Policy specifics
Emergency Medical Assistance
Coverage for medical expenses incurred during travel if the traveler becomes ill or suffers an accident
SourceBaggage and Personal Belongings
Coverage for expenses related to lost, stolen, or damaged baggage and personal items during travel
SourceTrip Changes and Cancellation
Coverage for costs arising from sudden travel plan changes, cancellations, or interruptions
SourceCivil Liability
Coverage for liability if traveler causes damage to third-party health, life, or property during travel
SourceHigh-Risk Activities
Coverage for injuries or medical expenses incurred during high-risk recreational activities such as skiing, mountaineering, or adventure sports
SourceGeographic Coverage Exclusion
Travel insurance excludes coverage for travel to certain countries or regions, including traveler's country of permanent residence
SourceTerritorial Coverage Options
Policyholder must select geographic coverage area; options range from specific European regions to worldwide coverage
SourceMinimum Coverage for Schengen Visa
Policy must meet minimum medical coverage requirements (EUR 30,000) to satisfy Schengen visa application requirements
SourcePolicy Underwriting Timing
Insurance contract must be concluded prior to travel commencement; cover begins only after premium payment
Source