AAS BTA Baltic Insurance Company Lithuanian Branch
BTA
BTA is a travel insurance for the Lithuania market with online purchase and 24/7 assistance.
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.
Geographic scope
Territory specified in the insurance policy
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.
Unique selling points
- Rented holiday accommodation liability cover up to 3,000 EUR, higher than what many standard travel policies offer.
- Terrorism-related medical and repatriation costs are covered up to 10,000 EUR, unlike many basic travel policies that exclude terrorism entirely.
- Acute mental-health conditions and panic attacks during the trip are reimbursed up to 1,000 EUR, a benefit many competitors exclude.
- 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
Not offered
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.
Emergency Medical Treatment
Not offered
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.
Hospitalization
Not offered
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.
Outpatient Treatment (Follow-up Visits/Dressings)
Covered
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.
Emergency Dental Care
Covered
Emergency dental treatment to relieve acute tooth pain (including a temporary filling if needed) is reimbursed up to 300 EUR.
Medical Transport
Not offered
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.
Medical Evacuation
Covered
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.
Repatriation of Remains
Not offered
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.
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.
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.
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.
Winter Sports Cover
Not offered
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.
Adventure/Hazardous Activities Cover
Not offered
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.
Pregnancy Complications
Conditional
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.
Personal Liability While Traveling
Not offered
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.
Legal Assistance / Court Costs
Optional
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.
24/7 Assistance
Not offered
BTA and its partner network can be reached to arrange direct payment guarantees to medical facilities abroad; BTA Assistance is available in English/Russian around the clock.
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.
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.
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.
Luggage and Baggage Protection
Coverage for loss, damage, or delay of personal baggage and luggage during travel. This is a selectable risk component.
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.
Resident Requirement at Contract Inception
At the time of contract conclusion, all insured persons must be residents of Lithuania. This residency requirement applies at the point of policy issuance.
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.
Pre-Existing Health Condition Disclosure
Expenses related to health disorders that were (or could have been) known and/or started before the trip are not covered. Insurance company may request documents confirming the insured person's age, health status, and other significant factors.
Immediate 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.
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.