BTA Travel insurance (Keliones Riziku Draudimas)
Underwritten by BTA Baltic Insurance Company · Lithuania
travel insurance from BTA for the Lithuania market, with online purchase and 24/7 assistance.
Verified Aug 28, 2026 · Terms dated 2025-12-18Sources
Key facts
- BTA
Unique selling points
Damage to rented holiday accommodation is covered under personal liability up to EUR 3,000.
Terrorism-related medical and repatriation costs are covered up to EUR 10,000.
Acute mental-health conditions and panic attacks during the trip are reimbursed up to EUR 1,000.
BTA covers a family member's travel, accommodation and return costs (up to 800 EUR) if they need to stay with or travel to the insured due to a medical emergency abroad.
A 24/7 multilingual (English/Russian) BTA Assistance line coordinates direct payment guarantees with medical facilities, so travelers often don't need to pay upfront.
Coverage limits
Medical Expenses
Covered
No limit stated
The medical expenses insured sum is set individually per policy and is not fixed in the general terms; it covers emergency medical assistance, medical evacuation and repatriation costs up to the sum stated on the policy.
Section: MEDICINOS IŠLAIDŲ DRAUDIMAS > 5. KAIP IŠMOKAMA DRAUDIMO IŠMOKA
Draudimo rizika – tai Medicinos išlaidų draudimo rizikai polise nurodytos draudimo sumos neviršijančios išlaidos, kurias Apdraustasis patirtų dėl suteiktų Būtinosios medicinos pagalbos, Medicininės evakuacijos ar Repatriacijos paslaugų.
Emergency Medical Treatment
Covered
No limit stated
Costs of emergency medical treatment provided abroad, up to the point evacuation to the home country becomes possible, are reimbursed first, within the medical expenses sum stated on the policy.
Section: MEDICINOS IŠLAIDŲ DRAUDIMAS > 5. KAIP IŠMOKAMA DRAUDIMO IŠMOKA
išlaidos Būtinajai medicinos pagalbai, kuri buvo suteikta Apdraustajam Kelionėje ir iki to momento, kai tapo įmanoma Apdraustojo Medicininė evakuacija iki Gyvenamosios šalies... Būtinosios medicinos pagalbos išlaidos atlyginamos pirmoje eilėje.
Hospitalization
Covered
No limit stated
Hospitalization abroad is covered as part of the medical expenses risk; if the insured event occurs during the insurance period, hospitalization-related medical expenses continue to be reimbursed for up to 30 days after the last day of the insurance period.
Section: SPECIALIOSIOS SĄLYGOS > 1. DRAUDIMO SUTARTIES SUDARYMAS IR DRAUDIMO APSAUGOS ĮSIGALIOJIMAS
Draudžiamajam įvykiui, įvykusiam draudimo apsaugos galiojimo laikotarpiu, Būtinosios medicinos pagalbos išlaidos tik Hospitalizacijos atveju apmokamos ne ilgesniam kaip 30 dienų laikotarpiui, skaičiuojant nuo paskutinės draudimo apsaugos galiojimo dienos.
Outpatient Treatment (Follow-up Visits/Dressings)
€300
Doctor-prescribed dressings or follow-up/control visits during the trip, related to emergency medical assistance already provided, are reimbursed up to 300 EUR; repeat visits for the same recurring condition without new or adjusted treatment are limited to the same 300 EUR for the whole policy period.
Section: MEDICINOS IŠLAIDŲ DRAUDIMAS > 5. KAIP IŠMOKAMA DRAUDIMO IŠMOKA
gydytojo paskirtiems perrišimams ar kontroliniams/pakartotiniams vizitams Kelionėje neviršijant 300 EUR sumos dėl Kelionės metu suteiktos Būtinosios medicinos pagalbos;
Emergency Dental Care
€300
Emergency dental treatment to relieve acute tooth pain (including a temporary filling if needed) is reimbursed up to 300 EUR.
Section: MEDICINOS IŠLAIDŲ DRAUDIMAS > 5. KAIP IŠMOKAMA DRAUDIMO IŠMOKA
išlaidos Būtinajai odontologinei pagalbai, neviršijant 300 EUR sumos;
Medical Transport
Covered
No limit stated
Transport to the nearest medical facility where emergency treatment is provided is covered without a separately stated cap; return transport to the temporary place of residence abroad after treatment is reimbursed up to 200 EUR.
Section: MEDICINOS IŠLAIDŲ DRAUDIMAS > 5. KAIP IŠMOKAMA DRAUDIMO IŠMOKA
išlaidos už Apdraustojo transportavimą iki artimiausios gydymo įstaigos šalyje, kurioje įvyko įvykis... išlaidos už Apdraustojo grįžimą į laikiną užsienyje gyvenamąją vietą Kelionėje, iš gydymo įstaigos... neviršijant 200 EUR sumos;
Medical Evacuation
30% of insured sum
Medically necessary, doctor-approved evacuation to a hospital in the home country is covered; if carried out by air transport, costs are reimbursed up to 30% of the medical expenses sum stated on the policy.
Section: MEDICINOS IŠLAIDŲ DRAUDIMAS > 5. KAIP IŠMOKAMA DRAUDIMO IŠMOKA
Išlaidos Medicininei evakuacijai, vykdomai oro transportu, atlyginamos iki 30% polise Medicinos išlaidų draudimo rizikai nurodytos draudimo sumos;
Repatriation of Remains
Covered
No limit stated
In case of death, repatriation costs (or transport of ashes) are covered within the medical expenses sum stated on the policy; no separate sub-limit is stated.
Section: MEDICINOS IŠLAIDŲ DRAUDIMAS > 5. KAIP IŠMOKAMA DRAUDIMO IŠMOKA
Apdraustojo Mirties atveju išlaidos už Repatriacijos paslaugas.
Search and Rescue
Excluded
Costs related to rescue operations such as search in mountains, at sea, in deserts or jungles, extraction from ravines or caves, or being lowered from cliffs are explicitly excluded from cover.
Section: MEDICINOS IŠLAIDŲ DRAUDIMAS > 6. KOKIAIS ATVEJAIS DRAUDIMO APSAUGA NEGALIOJA
susijusiomis su gelbėjimo operacijomis, tokiomis kaip apdraustojo: paieška kalnuose, jūroje, dykumoje, džiunglėse, iškėlimu iš tarpeklių, urvų, nukėlimu nuo kalnų uolų ar pan.
COVID-19 Treatment
Excluded
Losses connected directly or indirectly with an epidemic or pandemic are excluded from cover, with no carve-out for COVID-19 treatment stated anywhere in the terms.
Section: BENDROSIOS DRAUDIMO SĄVOKOS > 6. BENDROSIOS IŠLYGOS
epidemijos ar pandemijos.
Pre-Existing Conditions
Excluded
Expenses related to health disorders that were, or could have been, known and/or that started before the insurance contract was concluded are not covered, including congenital diseases and their exacerbations.
Section: MEDICINOS IŠLAIDŲ DRAUDIMAS > 6. KOKIAIS ATVEJAIS DRAUDIMO APSAUGA NEGALIOJA
sveikatos sutrikimais, kurie buvo (ar galėjo būti) žinomi ir/ar prasidėjo prieš sudarant draudimo sutartį (įskaitant, ar sveikatos sutrikimai buvo gydomi, ar nebuvo gydomi), sveikatos sutrikimais dėl įgimtų ligų ir/ar jų paūmėjimų gydymu;
Winter Sports Cover
Optional
No limit stated
Cover for skiing and snowboarding on marked pistes is only available if the 'Winter Sports' risk is selected on the policy and an additional premium is paid.
Section: SPECIALIOSIOS SĄLYGOS > 2. DRAUDIMO APSAUGOS GALIOJIMAS SPORTUOJANT AR UŽSIIMANT PAVOJINGA VEIKLA
Pasirinkta draudimo polise apsauga „Žiemos sportas“ numato, kad draudimo apsauga galioja slidinėjant snieglente ir kalnų slidėmis pažymėtomis kalnų slidinėjimo trasose.
Adventure/Hazardous Activities Cover
Optional
No limit stated
Cover for activities classified as hazardous (e.g., mountaineering up to 3000m, motorsport, water sports, combat sports) is only available if the risk is selected and an additional premium is paid, as listed on the policy.
Section: MEDICINOS IŠLAIDŲ DRAUDIMAS > 6. KOKIAIS ATVEJAIS DRAUDIMO APSAUGA NEGALIOJA
užsiimant veikla, kuri priskiriama Fiziniam darbui, Žiemos sporto, Sporto ar Pavojingai veiklai (išskyrus atvejus, kai už šią riziką sudarant draudimo sutartį buvo sumokėta papildoma įmoka ir šios veiklos nurodytos polise);
Pregnancy Complications
€1K
Emergency medical assistance for pregnancy complications is reimbursed up to 1,000 EUR, provided the pregnancy was under 32 weeks at the time of the event.
Section: MEDICINOS IŠLAIDŲ DRAUDIMAS > 5. KAIP IŠMOKAMA DRAUDIMO IŠMOKA
išlaidos Būtinajai medicinos pagalbai nėštumo komplikacijų atveju sumai iki 1 000 EUR, su sąlyga, kad įvykio metu nėštumo trukmė buvo trumpesnė nei 32 savaitės;
Personal Liability While Traveling
Optional
No limit stated
Covers bodily injury or property damage caused to third parties during the trip, as a separately selectable risk. Sub-limits include: damage to rented temporary accommodation up to 3,000 EUR; claims arising during a study placement up to 1,000 EUR; a 100 EUR deductible applies per claim.
Section: CIVILINĖS ATSAKOMYBĖS KELIONĖS METU DRAUDIMAS > 14. KAIP IŠMOKAMA DRAUDIMO IŠMOKA
žala, padaryta Kelionėje išsinuomotam laikinam būstui (kai sudaryta nuomos sutartis ne ilgesnė nei 60 kalendorinių dienų), neviršijant 3 000 EUR išmokos. pretenzijomis, pareikštomis Apdraustojo studijų praktikos metu, neviršijant 1 000 EUR išmokos.
Legal Assistance / Court Costs
€1K
Court costs awarded against the insured, or agreed in writing with BTA, are reimbursed up to 1,000 EUR as part of the personal liability risk.
Section: CIVILINĖS ATSAKOMYBĖS KELIONĖS METU DRAUDIMAS > 14. KAIP IŠMOKAMA DRAUDIMO IŠMOKA
Draudikas atlygina teismo priteistas Apdraustojo teismo išlaidas, taip pat raštu su Draudiku suderintas teismo išlaidas draudimo sumos ribose, neviršijant 1 000 EUR išmokos.
Key conditions
Assistance call deadline
The insured must notify BTA without delay, and no later than within 3 working days, of any potentially insured event (unless specific conditions state otherwise); reimbursement claims and supporting documents for medical expenses must be submitted no later than 30 days after the end of the trip.
Unauthorized treatment
If the policy requires calling BTA or its local partner before seeking treatment, costs for medical services obtained without that call are reimbursed only up to the amount BTA would have paid its contracted partners for equivalent services.
Purchase while abroad
If the insurance contract is concluded while the insured is already abroad, the cover only takes effect 5 calendar days after the contract is concluded.
Chronic conditions
An acute flare-up of a chronic disease requiring emergency medical assistance during the trip is an insured event, but expenses related to chronic conditions that were or could have been known before the contract was concluded are excluded.
Pregnancy
Emergency medical assistance for pregnancy complications is covered up to 1,000 EUR only if the pregnancy was under 32 weeks at the time of the event; childbirth, abortion, family planning and infertility treatment are excluded.
Pre-existing condition exclusions
Expenses linked to health disorders that were, or could have been, known and/or began before the contract was concluded are not covered; BTA may request documents confirming the insured's health status during risk assessment.
Coverage duration limit
For a single-trip policy, hospitalization-related medical expenses continue to be paid for up to 30 days after the last day of the insurance period; for multi-trip ('Daugkartinis') cover, a single trip may not exceed the number of days stated on the policy.
Direct payment
BTA's assistance partner issues a written guarantee of payment to the medical facility so the insured does not need to pay directly for treatment when the designated partner is contacted in advance; otherwise the insured may pay and later claim reimbursement.
Territorial scope
Coverage applies only within the territory stated in the policy; it does not apply in the insured's country of residence or in Lithuania, except when the policy is concluded to obtain a Lithuanian residence permit.
Documents
Travel Risk Insurance Terms No. 18.02 (effective 2025-12-18) (opens in a new tab)
Terms & conditions · PDF
Travel Risk Insurance Terms No. 18.01 (effective 2025-02-04, superseded) (opens in a new tab)
Terms & conditions · PDF
Travel Risk Insurance Product Information Document (IPID) - for Terms No. 18.01 (superseded) (opens in a new tab)
Product information sheet · PDF
Policy specifics
Medical Expenses and Repatriation
Core medical expenses coverage including emergency medical treatment, evacuation, and repatriation of remains. This is a selectable risk component within the travel insurance product.
SourcePage 1Section: Kam taikoma draudimo apsauga? > Jei pasirinkote riziką Medicinos išlaidų draudimas
Atlyginamos išlaidos dėl: Būtinosios medicinos pagalbos kelionės metu; transportavimo iki artimiausios gydymo įstaigos; Medicininės evakuacijos ir Repatriacijos.
Trip Cancellation or Interruption
Coverage for financial losses due to trip cancellation or interruption. This is a separately selectable risk that covers costs incurred when unable to complete or start a trip due to events such as flight cancellations.
SourceSection: D.U.K. apie padidintą apsaugą
Šis draudimas padeda apsisaugoti nuo finansinių nuostolių, jei dėl netikėtos ligos, traumos ar kitų draudimo taisyklėse numatytų priežasčių negalite išvykti į suplanuotą kelionę.
Luggage and Baggage Protection
Coverage for loss, damage, or delay of personal baggage and luggage during travel. This is a selectable risk component.
SourcePage 1Section: Kam taikoma draudimo apsauga? > Bagažo draudimo rizikos atveju
Bagažo draudimo rizikos atveju (Bagažas - Jums nuosavybės teise priklausantys ir pas Vežėją užregistruoti daiktai: lagaminai, kelionės krepšiai, rankinės, kuriuos vežatės Kelionėje, ir tai patvirtina išduotas Bagažo kvitas) - Bagažo vėlavimas, pametimas, vagystė ar kitas sugadinimas dėl Vežėjo kaltės.
Territory Coverage Requirement
Insurance coverage is valid only in the territory specified in the insurance certificate (policy). Coverage excludes travel to countries not recommended for travel according to Lithuanian Ministry of Foreign Affairs advisories.
SourceSection: D.U.K. apie padidintą apsaugą
šalis į kurią arba per kurią planuojate kelionę, neturi būti įtraukta į Lietuvos Respublikos Užsienio reikalų ministerijos nerekomenduojamų vykti valstybių sąrašą.
Resident Requirement at Contract Inception
At the time the contract is concluded, all insured persons should be in Lithuania; if the contract is concluded while already abroad, cover starts only 5 days later.
SourceSection: D.U.K. apie padidintą apsaugą
Sutarties sudarymo metu visi apdraustieji privalo būti Lietuvoje
Hazardous Activities Exclusion
Insurance coverage does not apply when engaging in professional sports, physical labor, high-risk activities, or winter sports unless specifically selected in the policy. Extensive list of excluded activities includes mountaineering, extreme sports, and contact sports.
SourcePage 2Section: Ar yra kokių nors draudimo apsaugos apribojimų?
Draudimo apsauga negalioja užsiimant Sportu, Fiziniu darbu, Padidintos rizikos veikla, Žiemos sportu, jei draudimo sutartyje (polise) nenurodyta kitaip.
Pre-Existing Health Condition Disclosure
Expenses related to health disorders that were (or could have been) known and/or started before the insurance contract was concluded are not covered. Insurance company may request documents confirming the insured person's age, health status, and other significant factors.
SourceImmediate Claim Reporting for Hospitalization
If hospital treatment is needed during the trip, the insured must inform BTA within 72 hours of hospitalization. General claims must be submitted within 30 days from the end of the trip.
SourceSection: Frequently asked questions
It is particulartly important to inform us, if you need a treatment at the hospital during you your trip. Please inform us about this kind of issue as soon as you can, but not later than in 72 hours.
Contract Concluded While Already Abroad
If the insurance contract is concluded while the insured person is already outside Lithuania (i.e., already traveling), cover only takes effect 5 calendar days after the contract is concluded.
SourcePage 9Section: SPECIALIOSIOS SĄLYGOS > 1. DRAUDIMO SUTARTIES SUDARYMAS IR DRAUDIMO APSAUGOS ĮSIGALIOJIMAS
Jei Draudimo sutartis buvo sudaryta Apdraustajam jau esant Kelionėje (t. y. užsienyje, išvykus iš Lietuvos Respublikos ribų), tokiu atveju draudimo apsauga įsigalioja po penkių dienų nuo Draudimo sutarties sudarymo dienos.
Sources
- bta.lthttps://www.bta.lt/en/claims/travel-insurance(opens in a new tab)
- bta.lthttps://www.bta.lt/media/Taisykles-privatiems/KRD/keliones-riziku-draudimo-taisykles-2026.pdf#page=10(opens in a new tab)
- bta.lthttps://www.bta.lt/media/Taisykles-privatiems/KRD/keliones-riziku-draudimo-taisykles-2026.pdf#page=11(opens in a new tab)
- bta.lthttps://www.bta.lt/media/Taisykles-privatiems/KRD/keliones-riziku-draudimo-taisykles-2026.pdf#page=12(opens in a new tab)
- bta.lthttps://www.bta.lt/media/Taisykles-privatiems/KRD/keliones-riziku-draudimo-taisykles-2026.pdf#page=13(opens in a new tab)
- bta.lthttps://www.bta.lt/media/Taisykles-privatiems/KRD/keliones-riziku-draudimo-taisykles-2026.pdf#page=17(opens in a new tab)
- bta.lthttps://www.bta.lt/media/Taisykles-privatiems/KRD/keliones-riziku-draudimo-taisykles-2026.pdf#page=4(opens in a new tab)
- bta.lthttps://www.bta.lt/media/Taisykles-privatiems/KRD/keliones-riziku-draudimo-taisykles-2026.pdf#page=9(opens in a new tab)
- bta.lthttps://www.bta.lt/media/Taisykles-privatiems/KRD/kelioniu-draudimo-ipid-2025.pdf#page=1(opens in a new tab)
- bta.lthttps://www.bta.lt/media/Taisykles-privatiems/KRD/kelioniu-draudimo-ipid-2025.pdf#page=2(opens in a new tab)
- bta.lthttps://www.bta.lt/media/Taisykles-privatiems/KRD/kelioniu-riziku-draudimo-informacinis-dokumentas.pdf#page=1(opens in a new tab)
- bta.lthttps://www.bta.lt/privatiems/draudimas/kelioniu-draudimas(opens in a new tab)