If
If is a travel insurance for the LV market with online purchase and 24/7 assistance.
Direct payment
The insurer organizes and pays for medical repatriation and evacuation directly when pre-authorized. For other medical expenses, the insured pays out-of-pocket and submits claims for reimbursement, unless the insurer has pre-authorized direct settlement with the medical facility. In EEA/Swiss medical facilities, the EHIC card must be presented first; insurance acts as a supplement.
Geographic scope
LV
Coverage active in the territory indicated on the insurance policy (excluding insured's country of permanent residence). Options: Baltic/Nordic states, Europe (excl. Russia, Belarus, Ukraine), Europe+ (AAE, Georgia, Tunisia etc.), World excl. Egypt/Turkey/USA/Canada, Whole World (excl. Russia, Belarus, Ukraine, Israel).
Unique selling points
- Medical expenses insured sum reaches up to EUR 1,250,000 – significantly above the EUR 30,000 Schengen minimum – providing top-tier financial protection for high-cost medical emergencies worldwide.
- Policy covers medical assistance arising from war, terrorism, epidemics, pandemics and natural disasters (within 14 days of event onset) if the insured departed before these events – a standout inclusion rarely offered as standard.
- Fully customisable modular policy: add optional covers for higher-risk or extreme sports, pets (dog/cat, EUR 2,000), civil liability + legal aid (EUR 25,000), and rental car excess – pay only for the risks you need.
- 24/7 worldwide emergency assistance line (+371 66 888 833) is included with every policy, enabling immediate coordination of medical transport, hospitalization, and repatriation at no extra charge.
- Instant online purchase and issuance via mans.if.lv calculator – policy can be acquired in minutes with payment by bank transfer or card, and the contract is effective immediately upon confirmed payment.
Coverage limits
Medical assistance expenses
Covered
Covers expenses for emergency medical treatment, medically justified transport, prescribed medicines, emergency dental first aid up to EUR 500, pregnancy complications up to week 28 of pregnancy, follow-up treatment in Latvia within 10 days of return, temporary medical aids (crutches/orthoses), accommodation for medical reasons, telephone costs up to EUR 200, repatriation, and burial abroad. Covers events arising from accident or sudden illness during travel.
Emergency medical treatment
Covered
Covers expenses for emergency medical treatment using generally accepted methods, including emergency care arising from accident or sudden illness during travel. Cover also applies in cases of war, terrorism, epidemic, pandemic or natural disaster if travel began before these events (within 14 days).
Hospitalization
Covered
Hospitalization costs are covered as part of the overall medical assistance coverage. No separate sub-limit is specified for hospitalization; it falls within the overall medical expenses insured sum (EUR 100,000–1,250,000). Additional accommodation in a hotel for medical reasons ordered by a physician is also reimbursed.
Outpatient treatment
Covered
Outpatient medical treatment is covered as part of the overall medical assistance coverage within the insured sum. Includes physician consultations, prescribed medications from state-recognized institutions, and continuation of treatment in Latvia within the first 10 days after return from travel following an accident.
Emergency dental first aid
Covered
Covers up to EUR 500 for emergency first aid for acute dental pain, including root canal treatment initiation, temporary filling, tooth extraction, or opening of abscesses (oral cavity abscesses). Cosmetic dental procedures are excluded.
Medical transport
Covered
Covers costs of medically necessary and unavoidable transport for treatment purposes during travel. Covered within the overall medical assistance insured sum. Includes transport of a relative (economy class) to accompany the insured if deemed necessary by the treating physician.
Medical evacuation (repatriation)
Covered
Covers costs of repatriation (medically justified transport of the insured or their remains back to Latvia or country of permanent residence), including costs of necessary accompanying medical staff. Repatriation to the country of permanent residence is reimbursed up to the amount required for repatriation to Latvia.
Repatriation of remains / burial abroad
Covered
Covered within the medical assistance section. In the event of the insured's death during travel, expenses for burial abroad (including purchase of a coffin) or repatriation of remains to Latvia/country of permanent residence are covered within the overall medical expenses insured sum.
Search and rescue
Not offered
Search and rescue costs are not explicitly listed as a covered item in the policy terms. Medical evacuation and transport are covered separately. No specific search and rescue benefit is stated.
COVID-19 treatment
Conditional
COVID-19 is treated as a pandemic/epidemic. Medical assistance coverage applies within 14 days of a pandemic event if travel commenced before the event. General pandemic exclusion applies for new travel to affected destinations after warnings. COVID-19 emergency medical costs are covered within the medical expenses insured sum if the conditions of clause 2.1.5 are met.
Pre-existing conditions
Excluded
The policy covers only acute illness (sudden and unforeseen deterioration of health that could not have been anticipated at the start of travel). Pre-existing chronic conditions are not explicitly covered and are effectively excluded, as the definition of 'illness' requires that it could not have been foreseen. Exacerbations of known conditions are not covered.
Winter sports / higher-risk activities cover
Optional
Downhill skiing and snowboarding are classified as 'higher-risk activities' and are only covered when the corresponding mark is made in the insurance policy. Without this notation, injuries during skiing/snowboarding are excluded. Off-piste skiing, heli-skiing, and snowboarding are classified as 'extreme activities' and require separate explicit agreement.
Adventure / higher-risk and extreme sports cover
Optional
Higher-risk activities (e.g. diving up to 30m with PADI, rafting up to category IV, mountain trekking up to 5000m, paragliding, kite surfing) require explicit notation in the policy. Extreme activities (e.g. alpinism above 5000m, cave diving, shark diving, heli-skiing, extreme racing) require separate special agreement beyond standard higher-risk add-on. Activities at altitude up to 3000m during daylight are low-risk and covered by default.
Pregnancy complications
Conditional
Expenses related to pregnancy complications are covered if the planned end date of the trip does not exceed week 28 of pregnancy AND there have been no prior pregnancy complications or physician-imposed activity restrictions. Expenses related to pregnancy, abortion or childbirth are excluded if the planned trip end date is after week 28, or if there have been prior complications.
Civil (personal) liability
Optional
Covers direct damage caused unintentionally to a third party's life, health or property during travel, for which the insured is civilly liable. Insured sum EUR 25,000. Excludes liability from professional activities, liability related to registered vehicles, and liability for property entrusted to the insured before travel. Must be explicitly selected in the policy.
Legal assistance
Optional
Covers legal services costs in civil, administrative or criminal proceedings to defend the insured's interests during travel, including court and expert fees, and up to EUR 200 for phone calls. Also covers bail deposit for pre-trial release (to be repaid by insured within 12 months). Sold together with civil liability cover under a combined insured sum of EUR 25,000. Must be explicitly selected.
24/7 assistance helpline
Covered
24/7 worldwide assistance is included with all policies. In case of an insured event abroad, the insured must call the number indicated on the policy. Emergency assistance line: +371 66 888 833 (from US: +1 954 370 6404). General contact: +371 6733 8333.
Key conditions
Assistance call deadline
In the event of an insured risk, the insured must call the assistance number on the policy immediately. Formal claim must be submitted within 1 month of the notification of the insured event (electronically via www.if.lv). Notification to the insurer must occur no later than 3 business days from when it became possible.
Unauthorized treatment
Medical expenses already covered by the European Health Insurance Card (EHIC) are not reimbursed by the policy. The insured must present the EHIC when receiving treatment in EEA or Swiss medical institutions. Failure to use the EHIC where applicable means those costs are excluded from the claim.
Purchase while abroad
The insurance contract must be concluded before the start of the trip, i.e., before crossing the border of Latvia or the country of permanent residence. However, the contract may be concluded within 48 hours after the start of the trip, in which case the policy takes effect 72 hours after conclusion. If concluded after the trip start for only part of the trip, the contract is void.
Chronic conditions
Chronic diseases and pre-existing conditions are not covered, as the policy definition of 'illness' requires that it be an acute, sudden, and unforeseeable deterioration of health that the insured could not have anticipated at the start of travel. Exacerbation of known chronic conditions is therefore excluded.
Pregnancy
Pregnancy-related expenses are covered only if the planned end date of the trip does not exceed week 28 of pregnancy AND there have been no prior pregnancy complications or physician-imposed restrictions. Coverage is excluded if the trip end date is after week 28 or if prior complications existed.
pre_existing_conditions
Only acute, sudden and unforeseeable illness is covered. Pre-existing and chronic conditions are excluded because they do not meet the policy definition of 'illness' (must be unforeseeable at trip start). Acute onset of pre-existing conditions is not covered under this product unless it qualifies as a fully new, unforeseeable event.
coverage_duration_limit
Single-trip coverage is limited to a maximum of 45 consecutive calendar days per trip. For business travel (employer as policyholder), long-term policies cover individual trips up to 365 consecutive calendar days. Annual multi-trip policies allow unlimited trips, each up to 45 days maximum.
Policy specifics
Baggage and personal belongings
Coverage for damage, loss, theft, or delay of luggage during travel; includes reimbursement for essential purchases if luggage is delayed
Trip cancellation and interruption
Coverage for non-refundable travel expenses if trip is cancelled or interrupted due to covered reasons
Higher-risk activities
Optional coverage for sports and extreme activities including skiing, snowboarding, diving, mountaineering, and paragliding
Repatriation and burial expenses
Coverage for medical repatriation transport to home country and burial expenses in case of death during travel
Civil liability
Coverage for accidental damage to third party property, health, or life during travel; includes legal assistance costs
Pet coverage
Optional coverage for pet (dog or cat) medical expenses and related issues during travel
Territory coverage options
Multiple geographic coverage tiers: Baltic/Nordic states, Europe, Europe+, World (excluding certain countries)
Contract must be concluded before travel start
Insurance contract must be concluded before crossing Latvia border or before travel start date
EHIC card requirement for EEA treatment
When receiving medical treatment in EEA or Swiss territories, policyholder must present European Health Insurance Card (EHIC)
Travel warning destination exclusion
If travel destination is under Ministry of Foreign Affairs travel warning (including airspace crossing), coverage is void
Maximum continuous trip duration
Single trip coverage limited to 45 consecutive calendar days maximum per trip; annual multi-trip option available
Pre-existing chronic conditions exclusion
Medical expenses for chronic disease exacerbation or continuation are excluded unless explicitly waived or listed as covered
Medical facility network for high-cost destinations
For specific destinations (Egypt, Turkey, Thailand, Russia, USA), treatment must be obtained from IF-approved medical institutions only for full reimbursement
Immediate incident notification requirement
Policyholder must immediately notify insurer of insured event; for claims, formal claim must be submitted within 30 days of return to Latvia