Travel insurance
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| Feature / category | BTA May 20, 2026 Open details | Compensa May 20, 2026 Open details | ERGO May 20, 2026 Open details | Gjensidige May 20, 2026 Open details |
|---|---|---|---|---|
| Overview | ||||
Insurer | AAS BTA Baltic Insurance Company Lithuanian Branch | ADB Compensa Vienna Insurance Group | ERGO Insurance SE Lithuanian Branch (non-life) and ERGO Life Insurance SE (life) | Akcine draudimo bendrove Gjensidige |
Online purchase | Yes | Yes | Yes | Yes |
24/7 helpline | Yes | Yes | Yes | Yes |
Billing basis | per_trip | per_trip | per_trip | per_trip |
Unique selling points | Not available |
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IPID | IPID | Not available | IPID | IPID |
Terms & conditions | ||||
| Coverage | ||||
Medical expenses | Covered | Covered | Covered | — |
Medical transport | Covered | Covered | Covered | Covered |
COVID-19 treatment | COVID-19 (SARS-CoV-2) treatment costs are reimbursed only when emergency medical care is provided in an inpatient facility for at least 48 hours without interruption and costs are not covered by a third party. Coverage applies only if the medical expenses risk is selected in the policy. Self-isolation costs and COVID tests are not reimbursed. The inpatient COVID-19 sub-limit is EUR 40,000 (EUR 10,000 if Belarus territory is selected in policy). | COVID-19 is not explicitly excluded under the 2026 T&C provided the illness first manifested during the trip (qualifies as an acute illness). However, if COVID-19 was declared as an epidemic or pandemic by state authorities before the insured's departure, it is excluded under clause 1.3.1.12. Coverage is therefore conditional on the absence of a pre-departure official declaration. | COVID-19 is not explicitly mentioned in the policy. As an acute illness with a sudden onset abroad during the policy period requiring emergency medical assistance, it could fall within the general scope of the medical expenses and repatriation cover, subject to general exclusions (e.g. chronic conditions, known pre-existing illness). Coverage is not guaranteed and depends on individual circumstances. | Covered |
Personal liability | Optional | — | Optional | €10,000 |
Emergency dental | €300 | €290 | €200 | €200 |
Search & rescue | Excluded | Covered | Excluded | Not offered |
Legal assistance | Court costs awarded by a court against the insured, and legal costs agreed in writing with BTA in advance, are reimbursed within the civil liability insured sum up to EUR 1,000. This coverage is conditional on the civil liability add-on being selected. BTA may, but is not obliged to, organise legal representation in court proceedings related to third-party claims. | Excluded | Not offered | — |
Emergency medical treatment | Covered | Covered | Covered | — |
Hospitalization | Covered | Covered | Covered | Covered |
Outpatient treatment | Covered | Covered | Covered | Covered |
Medical evacuation | Covered | Covered | Covered | Covered |
Repatriation of remains | Covered | €4,000 | €10,000 | Covered |
Pre existing conditions | Pre-existing conditions (known or treatable before the contract) and congenital diseases are excluded (clause 6.2.1). However, acute exacerbations of a chronic illness are covered if the acute episode requires emergency medical assistance that cannot be deferred. Conditions diagnosed and under ongoing treatment before the trip are not covered. | Chronic and congenital diseases and their complications are generally excluded. By exception, if an acute exacerbation of a chronic condition was unforeseeable by standard medical practice, the insurer covers emergency first aid costs to relieve severe pain and/or save the insured's life, plus transport to the country of permanent residence for further inpatient treatment, up to a combined limit of EUR 2,000. Exacerbations of diseases listed in the non-covered events (e.g. epilepsy, diabetes, liver cirrhosis, asthma, multiple sclerosis, oncological diseases, AIDS/HIV) are always excluded. | Chronic diseases (defined as conditions existing at departure or for which the insured consulted, received treatment, or took medication in the 6 months prior to departure) are generally excluded. However, expenses for the relief of severe pain and life-threatening conditions caused by chronic or congenital diseases are covered as an exception. Addiction, oncological, sexually transmitted diseases (including HIV), and mental/psychiatric disorders are unconditional exclusions with no life-threatening exception. | Excluded |
Winter sports cover | Optional | Optional | Skiing and snowboarding are listed among extreme/elevated-risk sports (clause II.12.1.8.11) and are excluded from coverage by default. Coverage can be activated if specifically agreed and stated in the individual insurance contract conditions (policy certificate). Active leisure activities must be declared before contract conclusion. | Optional |
Adventure sports cover | Optional | Optional | A broad range of combat, water, air, mountain, cycling, and other extreme sports are excluded by default (clause II.12.1.8). Coverage for active leisure and competitions is valid only if declared in the insurance contract before conclusion. Officially organised sports competitions and training are also excluded unless individual contract conditions state otherwise. | Optional |
Pregnancy complications | Emergency medical costs arising from pregnancy complications are covered up to EUR 1,000, provided the pregnancy had not exceeded 32 weeks at the time of the event. Childbirth, abortion, family planning, and infertility treatment are excluded. | Doctor examination and first medical aid costs for pregnancy complications that could not have been anticipated or expected prior to departure are covered up to EUR 250 for the entire policy period, provided that without medical assistance the insured's life would be at risk. Routine pregnancy monitoring, childbirth, termination, and postnatal complications are excluded. Coverage applies only if the complication was unforeseeable before departure. | Routine pregnancy check-ups, childbirth, abortion, and postpartum illnesses are excluded. Emergency medical assistance costs for unexpected pregnancy complications (which neither the policyholder nor the insured anticipated or could have anticipated before the contract date or departure date) are covered as an exception within the medical expenses insured sum. | €200 |
| Key conditions | ||||
Assistance call deadline | The insured must notify BTA no later than within 3 working days of a potentially insured event (general condition). For hospitalisation requiring ongoing treatment, BTA should be informed within 72 hours. Claims for medical expense reimbursement must be submitted within 30 days from the end of the trip. | The insured must notify the insurer or its representative as soon as possible, no later than 24 hours from the date of the loss. If the insured paid costs out of pocket due to circumstances beyond their control, they must report the event no later than 7 days after returning to Lithuania, submitting all supporting documents. | For medical emergencies abroad, the insured must contact ERGO or its medical assistance partner Euro Asista (+370 52 322 944, claims@euroasista.lt) immediately. For inpatient treatment, contact must be made before receiving inpatient services. For illness during a stay in the USA, Canada or Australia, contact ERGO or Euro Asista before attending a healthcare facility (if medically possible). General health condition events must be reported within 30 calendar days; death must be reported within 48 hours; hospitalization must be reported before receiving inpatient services. | The insured must contact the assistance company (UAB OPS International, +370 5 203 4440, available 24/7) before seeking medical treatment abroad where possible. In the case of hospitalization or death, the insurer must be notified within 24 hours. For all other medical events, notification must be made immediately upon return from the trip but no later than 7 calendar days. Failure to notify without justifiable cause may result in up to a 20% reduction in the benefit if the insurer loses the ability to negotiate directly with the healthcare provider. |
Purchase while abroad | If the insurance contract is concluded while the insured is already abroad (outside Lithuania), coverage does not take effect until 5 calendar days after the contract conclusion date. For contracts purchased online or via remote means, coverage begins no earlier than 24 hours after full premium payment. | If the insured is already abroad on the date the insurance contract is concluded, the contract takes effect and the insurer's liability begins 14 days after the conclusion date, provided the premium has been duly paid on time. | If the insured is abroad at the time of contract conclusion, coverage commences 2 calendar days after the contract conclusion and premium payment date, but no earlier than the coverage start date stated in the policy certificate. This waiting period does not apply if the contract was concluded before departure. | The insurance contract is not valid if it was concluded while the insured person was already abroad, except where the contract starts no earlier than 7 calendar days after the conclusion date. The insurance is intended to be purchased in Lithuania before departure. |
Chronic conditions | Acute exacerbations of chronic illnesses are covered if emergency medical assistance is required and cannot be deferred. Known, ongoing or previously treated conditions are excluded. Pre-existing conditions diagnosed or treated before the contract date are not covered (clause 6.2.1). | Chronic and congenital diseases and their complications and exacerbations are excluded from coverage. The only exception is an unexpected acute exacerbation (unforeseeable by standard medical practice), for which emergency first aid and repatriation transport are covered up to EUR 2,000 combined. Exacerbations of specifically listed diseases (epilepsy, diabetes mellitus, liver cirrhosis, asthma, multiple sclerosis, oncological diseases, AIDS/HIV, and related conditions) are always excluded. | Chronic diseases (conditions existing at departure or for which consultation, treatment, or medication occurred in the 6 months prior to departure) are excluded. Exception: costs of relieving severe pain and life-threatening conditions caused by chronic or congenital diseases are covered. Addiction, oncological diseases, STDs (including HIV), and mental disorders are excluded without exception. | Chronic diseases and pre-existing conditions that existed before the trip are generally not covered. Coverage applies only to acute, unexpected health deterioration that begins abroad during the insurance period and requires emergency medical assistance. The insurer may consult a medical expert to assess whether a condition qualifies as an acute illness. |
Pregnancy | Pregnancy complications requiring emergency medical care are covered up to EUR 1,000 provided the pregnancy did not exceed 32 weeks at the time of the event. Childbirth, abortion, family planning, and infertility treatment are excluded. | Pregnancy monitoring, childbirth, termination, and postnatal complications are excluded. Only unforeseen pregnancy complications where life is at risk are covered up to EUR 250 for the entire policy period. | Pregnancy examinations, childbirth, abortion, and postpartum illnesses are excluded. Emergency medical assistance for unexpected pregnancy complications (that the policyholder/insured did not and could not anticipate before the contract date or departure) is covered. Trip cancellation due to pregnancy, abortion, childbirth, or related complications is also excluded from travel cancellation cover. | Planned obstetric care, routine pregnancy check-ups, and childbirth are excluded from coverage. Emergency medical treatment due to unexpected pregnancy complications that constitute an acute health emergency may be covered under the general medical expenses coverage, subject to the terms and conditions stated in the insurance policy. |
Unauthorized treatment | If the insured undergoes treatment with a provider not pre-agreed with BTA (where the policy specifies the need to call BTA before seeking care), reimbursement is limited to the amount BTA would have paid its own partner providers. Expenses for surgery that was not urgent (could have waited more than 24 hours from admission) are not reimbursed unless pre-approved in writing by BTA. | If the insured obtains treatment without contacting the insurer or its representative, and this was avoidable, the insurer may reduce or refuse the claim. If the insured fails to use public health system facilities where available, the insurer may require the insured to be transported (at insurer cost) to a public or insurer-designated facility. Failure to perform duties under the policy may result in reduction or denial of the benefit. | The insurer may reduce the insurance benefit if the insured fails to fulfil the obligation to use compulsory health insurance (NHIF) entitlements for inpatient treatment services. The reduction equals the amount that would have been reimbursed by the NHIF. Additionally, inpatient services must not be used without prior written confirmation from ERGO, except in cases where any delay is not medically justified. Body repatriation and accompaniment/visiting services require prior written confirmation from ERGO. | If the insured seeks medical treatment without first contacting the assistance company (and this was possible), the insurer reserves the right to reduce or refuse the benefit. Specifically, if the insurer loses the opportunity to negotiate treatment costs directly with the healthcare provider due to late notification without justifiable cause, the benefit may be reduced by up to 20%. |
Pre existing conditions | Health conditions that were known or could have been known before the contract, or that began before the contract was concluded, are excluded regardless of whether they were being treated. Congenital diseases and their exacerbations are also excluded. Acute exacerbations of chronic illness are covered only as emergency care. | Pre-existing conditions are generally excluded. Emergency first aid and repatriation for an unexpected acute exacerbation of a chronic condition are covered up to a combined EUR 2,000, provided the exacerbation could not have been anticipated by standard medical practice. Treatment of specifically enumerated diseases (epilepsy, diabetes, cirrhosis, asthma, multiple sclerosis, cancer, AIDS/HIV, STDs) and prophylactic examinations are always excluded. | Pre-existing conditions (consulted, treated, or medicated in the 6 months prior to departure) are excluded. Emergency life-threatening treatment for chronic/congenital conditions is the only exception. Addiction, oncological, and STD/HIV conditions are absolute exclusions. Known health conditions that arose in the 12 months prior to contract conclusion are excluded from trip cancellation cover. | Pre-existing medical conditions are generally excluded. Only acute illnesses — defined as sudden, unexpected deteriorations in health threatening life or wellbeing that begin abroad during the insurance period and require emergency medical assistance — are covered. Conditions for which treatment was planned before departure, chronic conditions, and conditions that first manifested before the trip are excluded. |
Coverage duration limit | For single-trip policies, emergency medical treatment costs during hospitalisation are reimbursed for up to 30 days from the last day the policy is valid. For multi-trip ('Daugkartinis') policies, the same 30-day limit applies from the last valid day of the specific trip covered under the annual policy. The maximum number of days per trip under a multi-trip policy is stated in the policy schedule. | The insurance contract is currently available only for trips not exceeding 30 days. Coverage begins when the insured crosses the Lithuanian border and ends no later than when the insured crosses back into Lithuania. If the insured cannot return due to health reasons, coverage for that condition extends for up to 30 additional days beyond the policy end date. | For single-trip policies, coverage applies for the number of days stated in the policy certificate but no later than the policy end date. For multi-trip (annual) policies, coverage for a single trip is limited to the number of days stated in the policy certificate. If a covered event arises during a multi-trip period and inpatient treatment continues beyond the last covered day, the medical expenses cover is extended by up to 28 additional calendar days. Coverage cannot extend beyond 28 calendar days after the policy end date for ongoing treatment of a covered condition. | Individual travel insurance is typically limited to a maximum of 30 days per trip. This condition must be stated in the insurance policy. Longer trips may require annual or multi-trip coverage. |
| Proof and next steps | ||||
Direct payment policy | BTA organises direct payment to medical facilities through its assistance partners; if the insured contacts a provider not pre-approved by BTA, reimbursement is limited to the cost BTA would have paid its own partners. Medical evacuation costs must be pre-agreed in writing with BTA before the service begins. | The insurer (via assistance partner OPS LT) coordinates and directly pays covered medical costs when the insured contacts the insurer or its representative within 24 hours of the loss. If the insured pays out of pocket due to circumstances beyond their control, they must report to the insurer within 7 days of returning to Lithuania with supporting documentation for reimbursement. | ERGO's medical assistance partner Euro Asista (tel. +370 52 322 944, claims@euroasista.lt) can arrange direct payment to healthcare providers abroad. Before seeking medical care in the USA, Canada or Australia, the insured must contact ERGO or Euro Asista to indicate the healthcare facility. For outpatient treatment and medicines not exceeding 500 EUR, the insured pays and claims reimbursement. | The assistance company (UAB OPS International, +370 5 203 4440, available 24/7) arranges direct payment to healthcare providers where possible. The insured must contact the assistance company before or immediately after seeking treatment. If the insured pays out-of-pocket, reimbursement is available upon submission of documents online. |
Last verified | May 20, 2026 | May 20, 2026 | May 20, 2026 | May 20, 2026 |