Swedbank Travel insurance (Travel Medical Standard)
Underwritten by Swedbank P&C Insurance AS · Latvia
travel insurance from Swedbank for the Latvia market, with online purchase.
Verified Aug 28, 2026 · Terms dated 2025-04-01Sources
Unique selling points
Medical assistance sum insured of EUR 1,000,000 per person, well above typical market minimums, with no deductible applied.
Active recreation (e.g. on-piste skiing/snowboarding, hiking) is insured at no additional charge under the base policy.
Coverage extends to schedule/route changes that carriers announce even before the trip begins, covering resulting extra transport and accommodation costs.
Policies can be quoted, purchased and claims filed directly through Swedbank internet banking for a fast, self-service process.
No deductible applies to accidental death/disability and medical assistance benefits, unlike the standard EUR 50 deductible on most other travel risks.
Coverage limits
Medical expenses (sum insured)
€1M
Since the April 2025 policy update, the medical assistance sum insured per insured person abroad is EUR 1,000,000; no deductible applies to this risk.
Section: Swedbank apdrošināšana turpmāk segs izmaiņas lidojumos arī tad, ja aviosabiedrība par to paziņos pirms ceļojuma
Vienlaikus ir palielināta arī medicīniskās palīdzības apdrošinājuma summa – turpmāk tā būs 1 000 000 eiro vienai personai, nodrošinot vēl lielāku drošību neparedzētās situācijās ārzemēs, kad nepieciešama neatliekama medicīniskā palīdzība.
Emergency medical treatment abroad
Covered
Reasonable, medically justified costs of emergency treatment abroad following an injury or serious illness are reimbursed within the overall medical assistance sum insured; no deductible applies.
Section: Kas ir apdrošināts > Medicīniskā palīdzība > Apdrošināšanas atlīdzība
Ievainojuma vai smagas slimības gadījumā Mēs atlīdzināsim medicīniski pamatotos, ārvalstīs radušos saprātīgus zaudējumus saistībā ar neatliekamu ārstēšanu, tai skaitā ārvalstīs ārstējošā ārsta nozīmēto ārstniecisko līdzekļu un tehnisko palīglīdzekļu iegādi ārvalstīs. Pašrisks netiek piemērots.
Hospitalization abroad
Covered
Hospital treatment following an accident or sudden illness abroad is covered within the medical assistance sum insured; costs above EUR 1000 require the insurer's prior approval.
Section: Kas ir apdrošināts > Medicīniskā palīdzība
Izdevumi par medicīnisko palīdzību, kas pārsniedz 1000 EUR, un visi pārējie izdevumi ir iepriekš jāsaskaņo ar Mums.
Outpatient treatment abroad
Covered
Outpatient emergency treatment, prescribed medicines and technical aids abroad are reimbursed within the medical assistance sum insured.
Section: Kas ir apdrošināts > Medicīniskā palīdzība > Apdrošināšanas atlīdzība
Ievainojuma vai smagas slimības gadījumā Mēs atlīdzināsim medicīniski pamatotos, ārvalstīs radušos saprātīgus zaudējumus saistībā ar neatliekamu ārstēšanu, tai skaitā ārvalstīs ārstējošā ārsta nozīmēto ārstniecisko līdzekļu un tehnisko palīglīdzekļu iegādi ārvalstīs. Pašrisks netiek piemērots.
Emergency dental treatment
€500
In case of a tooth injury or acute toothache, costs of emergency dental treatment only are reimbursed up to EUR 500 per insured event.
Section: Kas ir apdrošināts > Medicīniskā palīdzība > Apdrošināšanas atlīdzība
Zobu traumas vai akūtu zobu sāpju gadījumā Mēs atlīdzināsim zaudējumus tikai par neatliekamās medicīniskās palīdzības sniegšanu, bet ne vairāk kā 500 EUR par vienu Apdrošināšanas gadījumu.
Transport to/from medical facility abroad
Covered
Reasonable transport costs to a medical facility and back to accommodation abroad are reimbursed within the medical assistance sum insured.
Section: Kas ir apdrošināts > Medicīniskā palīdzība
Jūsu nokļūšana ārstniecības iestādē un no ārstniecības iestādes uz naktsmītni ārvalstīs;
Medical evacuation / repatriation decision
Conditional
The insurer decides, based on the insured's health condition, whether to pay for the insured's return to Latvia or to reimburse continued treatment abroad instead.
Section: Kas ir apdrošināts > Medicīniskā palīdzība > Apdrošināšanas atlīdzība
Mums ir tiesības izlemt, vai Mēs apmaksāsim Jūsu atgriešanos Latvijā, ja Jūsu veselības stāvoklis šādu transportēšanu atļauj, vai arī Mēs atlīdzināsim zaudējumus par neatliekamās ārstēšanas turpināšanu ārvalstī.
Repatriation of remains
Covered
In case of death abroad, the insurer covers the cost of a coffin and transportation of the remains or urn to Latvia; cremation abroad can be arranged at the request of the closest relatives.
Section: Kas ir apdrošināts > Medicīniskā palīdzība
zārka iegāde; mirstīgo atlieku vai urnas transportēšana uz Latviju. Pēc tuvāko radinieku lūguma varam noorganizēt mirstīgo atlieku kremēšanu ārvalstī, kurā noticis Apdrošināšanas gadījums;
COVID-19 treatment
Covered
General epidemic/pandemic losses are excluded, but the policy explicitly states that COVID-19 caused by the SARS-CoV-2 coronavirus is not treated as an epidemic or pandemic, so related medical costs are covered as ordinary illness within the medical assistance sum insured.
Section: Vispārējie izņēmumi
Tomēr! Mēs neuzskatām Covid-19, ko izraisa koronavīruss SARS-CoV-2, par epidēmiju vai pandēmiju.
Pre-existing physical injury, disability or chronic disease
Excluded
Costs related to a physical injury, disability or chronic disease that existed before the trip began are excluded; however, emergency treatment for a sudden acute exacerbation of a chronic disease is covered.
Section: Kas ir apdrošināts > Medicīniskā palīdzība
fizisks ievainojums, invaliditāte vai hroniska slimība, kas ir bijusi jau pirms došanās Ceļojumā; Tomēr! Mēs atlīdzināsim zaudējumus par neatliekamo medicīnisko palīdzību, kas sniegta saistībā ar hroniskas slimības pēkšņu saasinājumu.
Winter sports (skiing/snowboarding)
Conditional
Skiing/snowboarding on groomed, maintained pistes or cross-country skiing is covered under the base policy at no extra charge. Off-piste skiing/snowboarding is only covered if the accompanied-by-a-companion condition is met and the 'Dangerous Occupation' extension is selected on the policy; speed descents and heliboarding are always excluded.
Section: Pielikums. Aktivitāšu klasifikācija
sagatavotās (līdzinātās) un uzturētās kalnu trasēs (tikai lietojot drošības ekipējumu*) vai distanču slēpošana ārpus sagatavotām (līdzinātām) un uzturētām kalnu trasēm (tikai lietojot drošības ekipējumu*) un tikai ar pavadoni.
Adventure / higher-risk sports
Conditional
Lower-risk activities (e.g. snorkelling and diving to 10m, coastal sailing/motorboating, groomed climbing routes, everyday cycling) are covered under the base policy. Higher-risk versions of these activities (e.g. diving over 10m with a certificate, offshore sailing, Via Ferrata, high-altitude mountain routes) are only covered if the 'Dangerous Occupation' extension is selected on the policy. Certain extreme activities (e.g. night/wreck/solo diving, open-sea solo activities, glacier crossings, off-licence flying) are always excluded.
Section: Pielikums. Aktivitāšu klasifikācija
snorkelēšana un niršana līdz 10 m dziļumam niršana dziļāk par 10 m (tikai ar niršanas sertifikātu*).
Pregnancy and childbirth complications
Excluded
Costs related to pregnancy and childbirth from the 28th week of pregnancy, or abortion, are excluded, except when emergency medical assistance is required following an accident.
Section: Kas ir apdrošināts > Medicīniskā palīdzība
grūtniecība un dzemdības no 28. grūtniecības nedēļas vai aborts; Tomēr! Mēs atlīdzināsim zaudējumus, kas saistīti ar neatliekamās medicīniskās palīdzības sniegšanu pēc nelaimes gadījuma.
Civil (personal) liability
Covered
No limit stated
The policy covers the insured's civil liability abroad for personal injury or property damage caused to third parties, subject to a EUR 50 deductible; the exact liability limit is stated in the individual Policy.
Legal assistance
€1K
Sum insured for legal assistance is EUR 1000 for justified costs of legal help related to an unlawful act committed abroad due to the insured's negligence (EUR 50 deductible applies); in addition, the insurer may pay bail of up to EUR 3000, which the insured must repay within 12 months.
Section: Kas ir apdrošināts > Juridiskā palīdzība
Apdrošinājuma summa Juridiskai palīdzībai ir 1000 EUR. ... Ja nepieciešams, Mēs samaksāsim drošības naudu, bet ne vairāk kā 3000 EUR.
24/7 assistance line
No limit stated
Claims can be reported by phone (67 444 449), e-mail ([email protected]) or through Swedbank internet banking; this is a standard-hours assistance channel, not a 24/7 line, consistent with helpline_24_7 = false.
Section: Paziņojumi
Visus paziņojumus, kuri Jums ir jāsniedz Mums saskaņā ar spēkā esošajiem normatīvajiem aktiem, Jūs varat iesniegt Mums, izmantojot Swedbank internetbanku vai nosūtot uz Mūsu e-pasta adresi vai pasta adresi, kuru Mēs esam Jums paziņojuši.
Key conditions
Assistance call deadline
The insured must notify the insurer immediately after an insured event occurs, using the phone line (67 444 449) or the online claim form at www.swedbank.lv/atlidzibas; the T&C do not specify a fixed number of hours for this notification.
SourcePage 15Section: Kā rīkoties, ja noticis negadījums
Ja noticis negadījums, kas radījis zaudējumus, lūdzu nekavējoties Mums par to paziņojiet, izmantojot šādu kontaktinformāciju: www.swedbank.lv/atlidzibas vai 67 444 449.
Unauthorized treatment
Medical expenses exceeding EUR 1000, and all other larger expenses, must be pre-approved by the insurer; costs incurred without required prior approval may not be reimbursed.
Chronic conditions
Costs related to a chronic disease that existed before the trip are excluded, except emergency medical assistance provided due to a sudden acute exacerbation of the chronic disease.
Pregnancy
Pregnancy and childbirth from the 28th week, or abortion, are excluded from medical expenses cover, except emergency treatment following an accident; for trip cancellation, pregnancy known before booking is excluded, but an unknown pregnancy at the time of booking is a valid cancellation reason.
Pre-existing condition exclusions
Pre-existing physical injuries, disabilities or chronic diseases are excluded from medical cover, with a carve-out for sudden acute exacerbation of a chronic disease requiring emergency care.
Coverage duration limit
Coverage for each risk starts and ends as set out in the Policy (e.g. medical assistance runs from leaving Latvia until returning to Latvia); if the trip is extended due to an insured event, the policy period is automatically extended without extra payment.
Direct payment
The insurer generally reimburses the insured after costs are paid, based on submitted receipts and documents; medical expenses exceeding EUR 1000 and other larger costs must be pre-approved by the insurer before they are incurred.
Territorial scope
Coverage applies to travel in any foreign country; within Latvia the medical assistance risk is covered only en route to the airport/departure point and on the way home.
Documents
Policy specifics
Travel disruption and transport delay coverage
Coverage for unexpected changes to travel plans, route changes, schedule changes, missed connections, and additional transport/accommodation expenses
SourcePersonal property and baggage coverage
Coverage for loss, theft, damage to personal belongings, lost or stolen documents, and damaged or lost luggage during travel
SourceCivil liability and legal assistance
Coverage for third-party liability claims and legal assistance expenses incurred during travel if damage to health, life, or property of a third party occurs
SourceActive recreation and high-risk activities coverage
Coverage for accidents and medical expenses during active recreation and sports activities, included at no extra fee
SourceBaggage delay coverage
Coverage for essential purchases and expenses incurred when baggage is delayed in arrival at final destination
SourceInsurance coverage territory
Cover applies abroad, worldwide; only persons whose main place of residence is Latvia can be insured.
SourcePage 4Section: Termini
Apdrošinātais var būt tikai persona, kuras pamata uzturēšanās vieta ir Latvijas Republika.
Insurance activation conditions
Coverage becomes effective when travel costs are paid with Swedbank card or account; activates upon payment of qualifying expenses (transport tickets, tour packages, accommodations)
SourceClaims and indemnity payment procedures
Claims must be filed following specified procedures with required documentation; insurer assesses claims and pays indemnities according to terms
SourcePolicy conclusion and validity
For the standalone travel policy, the insurance contract is concluded when the insured pays the full premium and the insurer issues the Policy — there is no card-payment activation threshold for this product.
SourcePage 17Section: Apdrošināšanas līguma noslēgšana un spēkā esamība
Apdrošināšanas līgums ir noslēgts brīdī, kad Jūs Mums samaksājāt apdrošināšanas prēmiju pilnā apmērā un Mēs izsniedzām Polisi.
Sources
- blog.swedbank.lvhttps://blog.swedbank.lv/apdrosinasana/celojumu-apdrosinasana-segums-9226(opens in a new tab)
- swedbank.lvhttps://www.swedbank.lv/static/pdf/private/insurance/travel/conditions_travel_LV_20250401_lat.pdf#page=13(opens in a new tab)
- swedbank.lvhttps://www.swedbank.lv/static/pdf/private/insurance/travel/conditions_travel_LV_20250401_lat.pdf#page=14(opens in a new tab)
- swedbank.lvhttps://www.swedbank.lv/static/pdf/private/insurance/travel/conditions_travel_LV_20250401_lat.pdf#page=15(opens in a new tab)
- swedbank.lvhttps://www.swedbank.lv/static/pdf/private/insurance/travel/conditions_travel_LV_20250401_lat.pdf#page=17(opens in a new tab)
- swedbank.lvhttps://www.swedbank.lv/static/pdf/private/insurance/travel/conditions_travel_LV_20250401_lat.pdf#page=19(opens in a new tab)
- swedbank.lvhttps://www.swedbank.lv/static/pdf/private/insurance/travel/conditions_travel_LV_20250401_lat.pdf#page=21(opens in a new tab)
- swedbank.lvhttps://www.swedbank.lv/static/pdf/private/insurance/travel/conditions_travel_LV_20250401_lat.pdf#page=4(opens in a new tab)
- swedbank.lvhttps://www.swedbank.lv/static/pdf/private/insurance/travel/conditions_travel_LV_20250401_lat.pdf#page=5(opens in a new tab)
- swedbank.lvhttps://www.swedbank.lv/static/pdf/private/insurance/travel/conditions_travel_LV_20250401_lat.pdf#page=6(opens in a new tab)
Swedbank Travel insurance