ADB Compensa Vienna Insurance Group
Compensa
Compensa is a travel insurance for the Lithuania market with online purchase and 24/7 assistance.
Direct payment
The assistance partner (OPS LT / UAB OPS International) coordinates and settles directly with medical providers abroad. If the insured pays for treatment themselves, they must notify the insurer within 24 hours of the event (or within 7 days of returning to Lithuania if contacting the insurer's representative was not possible) and submit proof of the expenses incurred. In the USA the insured must use healthcare facilities designated by the insurer or its assistance partner.
Geographic scope
Selectable territorial scope (e.g. Europe, Worldwide) chosen at policy purchase depending on the travel destination.
Coverage applies to events occurring abroad in the territory specified in the policy, excluding Lithuania, the country of the insured's citizenship, and the country of the insured's permanent residence.
Unique selling points
- Round-the-clock assistance abroad in any country worldwide via partner OPS LT, coordinating treatment and transport.
- Free remote doctor consultation available within a few hours of request, in the client's native language.
- Cover explicitly extends to tick-borne encephalitis, snake bites and animal bites, perils some competitors exclude by default.
- Policy can be purchased fully online, with the insurance certificate issued and emailed immediately after payment.
- Search and rescue operation costs are included as part of the core medical/accident cover, with no separate purchase required.
Coverage limits
Medical Expenses Abroad
Covered
No limit stated
Core mandatory coverage of necessary and reasonable medical expenses incurred abroad due to sudden illness or accident; the sum insured is set individually in the policy schedule.
Emergency Medical Treatment
Covered
No limit stated
Covers doctor's examination and first aid provided at an outpatient or inpatient facility abroad, including transport to the nearest treatment facility; sum insured is set in the policy schedule.
Hospitalization / Stationary Treatment
Covered
No limit stated
Covers inpatient (stationary) treatment abroad within the sum insured stated in the policy schedule.
Outpatient (Ambulatory) Treatment
Covered
No limit stated
Covers ambulatory treatment abroad, doctor-prescribed medicines and dressing materials related to first aid, within the sum insured stated in the policy schedule.
Emergency Dental Treatment
€290
Covers dental treatment for acute tooth pain up to 290 EUR, on condition that the acute pain began during the current trip.
Medical Transport to Nearest Facility
Covered
No limit stated
Covers transportation of the insured to the nearest treatment facility abroad and back to their temporary accommodation, as part of the first-aid cover, within the overall sum insured.
Medical Evacuation / Transport Home for Further Treatment
Conditional
With prior written insurer agreement, covers economy-class transport of the insured to their home country for further treatment when medically required; escort costs, if required, are covered up to 10 days at up to 100 EUR/day accommodation plus economy-class travel.
Repatriation of Remains
€4,000
In the event of the insured's death abroad due to a sudden illness or accident during the trip, covers the necessary costs of repatriating the remains to the country of last permanent residence, or necessary burial costs abroad (not exceeding the cost of repatriation), up to 4,000 EUR for the whole policy period.
Search and Rescue
Covered
Covers search and rescue operation costs within the territory of the policy, undertaken to save the insured's life or health in case of sudden illness or accident, within the overall sum insured with no separate sub-limit.
COVID-19 / Infectious Disease Treatment
Conditional
Not named specifically, but treated under the general acute-illness cover; the policy excludes losses caused by an epidemic, pandemic or infectious disease if it had already started and been officially declared by state authorities before the insured's trip began.
Pre-existing / Chronic Conditions
€2,000
Chronic and congenital diseases and their complications are generally excluded. Exception: a sudden, unforeseeable acute exacerbation of a chronic condition is covered for necessary first-aid treatment (within the general sum insured) plus transport home costs up to 2,000 EUR; certain named chronic diseases (e.g. epilepsy, diabetes, liver cirrhosis, asthma, multiple sclerosis) remain excluded in all cases.
Winter Sports Cover
Optional
Available only if an additional premium is paid and the corresponding condition is entered in the policy; skiing outside marked pistes is always excluded regardless of any additional premium paid.
Extreme / Adventure Sports Cover
Optional
Extreme sports are covered only with an additional premium and a corresponding endorsement on the policy. Certain activities are always excluded regardless of extra premium: alpinism, rock/glacier climbing, ski-mountaineering, bungee jumping, parachuting, boxing, expeditions to extreme-climate or desert regions, and off-piste skiing.
Pregnancy Complications
€250
Covers doctor's examination and first aid for pregnancy complications that could not have been foreseen before the trip and which would otherwise endanger the insured's life, up to 250 EUR for the whole policy period. Normal pregnancy monitoring, childbirth, termination of pregnancy and postpartum complications are excluded.
Personal Civil Liability
Optional
Separately selectable module covering damage caused by the insured (or pets under their care) to third parties abroad, up to the sum insured chosen in the policy; excludes damage to relatives, to the insured's own property, and liability arising from professional or business activity.
Legal Assistance
No limit stated
Not mentioned as a distinct coverage in the reviewed terms and conditions or IPID.
24/7 Assistance Service
Covered
No limit stated
The insurer's assistance partner (OPS LT / UAB OPS International) provides round-the-clock help abroad in any country: coordinating necessary treatment and arranging transportation; the service is included with the base cover with no separate monetary limit disclosed.
Key conditions
Assistance call deadline
The insured must report a loss to the insurer or its representative without delay, no later than 24 hours from the date the loss occurred, unless the insured paid the covered expenses themselves, in which case they must report the event and provide proof of expenses within 7 days of returning to Lithuania.
Unauthorized treatment
The insured must, where possible, use facilities within the state healthcare system and treatment of the level provided for socially insured persons in that country (in the USA, only facilities designated by the insurer or its assistance partner). Failure to notify the insurer on time, or wilful/grossly negligent breach of contractual duties, entitles the insurer to reduce or refuse the indemnity.
Purchase while abroad
If the insurance contract is concluded while the insured is already abroad, the contract enters into force and the insurer's liability begins 14 days after the date the contract was concluded, provided it was duly paid on time.
Chronic conditions
Diagnosis and treatment of chronic and congenital diseases and their complications/exacerbations are excluded, except for a sudden and unforeseeable acute exacerbation not expected under normal medical practice, for which necessary first-aid treatment and transport home (up to 2,000 EUR) are covered; certain named chronic diseases remain excluded in all cases.
Pregnancy
Pregnancy monitoring, childbirth, termination of pregnancy and postpartum complications are excluded, except for pregnancy complications unforeseeable before departure, which are covered up to 250 EUR for the whole policy period.
Pre-existing condition exclusions
The policy does not cover diagnosis or treatment of chronic or congenital diseases and their complications that existed before the trip, with the sole exception of a sudden, unforeseeable acute exacerbation, as described under the chronic-illness condition.
Coverage duration limit
Cover applies for the trip period stated in the policy schedule, starting when the insured crosses the Lithuanian border outbound and ending when they cross it inbound; if the insured's return is medically impossible, cover automatically extends for 30 days from the last day of the policy's validity for that health condition.
Where to buy
Documents
Travel Insurance Terms and Conditions (effective from 2026-01-01)
Terms & conditions
Insurance Product Information Document (IPID) - based on the terms effective from 2016-01-01, retrieved via the insurer's document archive
IPID
Travel insurance documents archive (all editions of terms and IPID)
Other document
Policy specifics
Travel Cancellation Insurance
Optional coverage for non-occurrence, interruption, or loss of travel connection. Compensates reasonable travel expenses (tickets, hotels, intermediate accommodation) if unable to depart or must cancel due to illness, injury, or death of insured or relatives.
SourceBaggage Insurance
Optional coverage for baggage loss, damage, or delay. Covers personal items, sporting equipment, and travel documents. Compensates for baggage loss and delay expenses.
SourceMedical Expenses Abroad
Core mandatory coverage. Compensates necessary and reasonable expenses for treatment due to health deterioration or acute injury abroad, including emergency dental treatment (severe pain, acute inflammation, or accident-related).
SourceAccident and Injury Insurance
Optional coverage for physical injuries (trauma) occurring abroad during insured period. Covers fractures, dislocations, burns, poisoning, heat stroke, hypothermia, gas poisoning.
SourceRemote Medical Consultation
Included service allowing customers to receive remote consultation from professional doctor within several hours during travel.
Source24/7 Assistance Services
In case of accident abroad, assistance company OPS LT provides help, coordinates necessary treatment, arranges transportation if needed. Includes location identification and rescue assistance anywhere in any country.
SourceTerritorial Coverage Scope
Coverage applies in the specified territory indicated in the insurance policy, excluding Lithuania and the country of insured person's citizenship.
SourceMaximum Trip Duration
Insurance coverage is limited to maximum continuous trip duration of 90 days per single trip.
SourceMandatory Insured Event Reporting
Within 48 hours of medical event, insured must contact healthcare institution, follow all medical instructions, and receive necessary treatment. For any event, insured must report within timeframes specified in insurance rules.
SourceLithuania Exclusion
Insurance coverage does NOT apply within Lithuania territory, only for travel abroad.
SourceChronic Illness Acute Exacerbation Coverage
Coverage includes sudden and unexpected exacerbation of chronic illness that the insured could not foresee at time of policy purchase.
SourceMultiple Trips Per Single Contract
Contract can cover multiple trips by same insured person during policy validity period. Each trip treated separately for insurance purposes.
SourceTrip Duration and Validity of Cover
Cover applies for the period stated in the policy schedule, beginning when the insured crosses the Lithuanian state border outbound and ending no later than when they cross it inbound.
Source