ERGO Insurance SE Lithuanian Branch (non-life) and ERGO Life Insurance SE (life)
ERGO
ERGO is a travel insurance for the Lithuania market with online purchase and 24/7 assistance.
Direct payment
Medical emergencies abroad are handled through ERGO's assistance partner Euro Asista UAB (available 24/7); ERGO settles eligible medical costs directly with the medical provider through the partner network, rather than reimbursing the policyholder afterwards.
Geographic scope
Territory specified in the insurance certificate by continents and/or countries, excluding Lithuania, the insured's country of permanent residence and citizenship, unless otherwise agreed
Cover does not apply in Lithuania, the country of permanent residence, the country of citizenship, Russia, Belarus or Israel
Unique selling points
- Body repatriation costs are covered up to EUR 10,000, well above the minimal amounts seen in many basic travel policies.
- 24/7 medical emergency assistance is provided through ERGO's dedicated partner Euro Asista, with costs settled directly with clinics so travellers don't need to pay upfront.
- The policy is modular – travellers can add baggage, laptop, travel document, trip cancellation, accident and civil liability covers individually on top of the core medical protection.
- Emergency dental pain relief is covered up to EUR 200 per policy period, rising to EUR 250 for annual (multi-trip) contracts.
- Multi-trip annual policies are available, letting frequent travellers stay covered for repeated short trips under a single contract.
Coverage limits
Medical expenses (overall sum insured)
Covered
No limit stated
The overall sum insured for medical expenses and repatriation is chosen by the policyholder and stated in the insurance certificate; it is not a fixed amount in the terms. Sub-limits apply to specific items (e.g. dental pain relief up to EUR 200/250, body repatriation up to EUR 10,000).
Emergency medical treatment
Covered
No limit stated
Covers travel/transport costs to the nearest health facility and back, emergency medical services, and prescribed medicines and dressings, within the sum insured chosen for the policy.
Hospitalization (inpatient treatment)
Covered
No limit stated
Inpatient treatment costs are covered within the overall medical sum insured, with no separate fixed sub-limit in the terms. A separate optional daily hospital cash benefit ("Ligonpinigiai") of EUR 30/day, up to 30 days, can also be selected.
Outpatient treatment
Covered
No limit stated
Outpatient emergency medical services and prescribed medication/dressings are covered within the overall sum insured chosen for the policy.
Emergency dental pain relief
€200
Dental treatment costs to relieve tooth pain are covered up to EUR 200 for the whole policy period; for policies with a term of at least one year, this limit rises to EUR 250.
Medical transport to a health facility
Covered
No limit stated
Covers the insured's travel/transportation costs to the nearest health facility and back to their place of stay abroad during the trip.
Medical repatriation
Covered
No limit stated
Covers repatriation to the insured's country of permanent residence or citizenship for continued inpatient treatment, if medically justified in writing; costs cannot exceed the cost of repatriation to Lithuania.
Repatriation of remains
€10,000
Covers cremation and repatriation of the insured's body to their country of permanent residence/citizenship, or burial abroad, up to EUR 10,000.
Search and rescue
Excluded
Costs of searching for the insured's body are explicitly excluded from cover; general search-and-rescue costs for a living person are not listed as a covered benefit.
COVID-19 treatment
€50,000
Atlyginamos būtinosios medicinos paslaugų ir repatriacijos išlaidos ūmaus sveikatos sutrikimo ir (ar) mirties dėl susirgimo COVID-19 atveju iki 50 000 EUR.
Pre-existing (chronic) conditions
Excluded
Diagnosis and treatment of chronic and congenital diseases and their complications are excluded, except for costs necessary to relieve severe pain or life-threatening conditions.
Winter/alpine sports cover
Conditional
Skiing with snowboards and mountain skis is listed among excluded high-risk activities unless the individual policy conditions state otherwise; cover applies only if declared and agreed at inception.
Extreme/adventure sports cover
Conditional
Combat sports, aviation sports, water extreme sports, motorsports, mountaineering, bungee jumping and similar activities are excluded by default unless the policy states otherwise; the insured must declare such activities in advance for cover to apply.
Pregnancy complications
Conditional
Routine pregnancy care, termination, childbirth and post-partum illness are excluded, except for emergency medical assistance for pregnancy complications that could not have been foreseen before the policy was concluded or before departure.
Personal civil liability
Optional
Optional add-on covering damage caused by the insured to third parties' health, life or property abroad. The sum insured is chosen per policy; claims for non-pecuniary damage and lost income are each capped at 10% of the liability sum insured, unless stated otherwise.
Legal/litigation costs assistance
Conditional
There is no standalone legal assistance product; litigation costs related to a covered civil liability claim are reimbursed together with the damages, within the civil liability sum insured, only if the personal civil liability cover is purchased.
24/7 emergency assistance
Covered
Medical emergencies and claims abroad are handled around the clock by ERGO's assistance partner Euro Asista, UAB, with costs settled directly with the medical provider.
Key conditions
Assistance call deadline
You must notify us of a health disorder within 30 calendar days of the event, except in cases of death (48 hours) or hospitalization (before receiving inpatient treatment).
Unauthorized treatment
If you fail to use your right to state-funded (Compulsory Health Insurance Fund) medical services when entitled, or use inpatient services without our prior written consent (except where delay is not medically justifiable), we may reduce the claim payment by the amount that would have been covered by the state fund or refuse the related costs.
Purchase while abroad
If you are already abroad when the contract is concluded, cover takes effect 2 calendar days after the contract is signed and the premium is paid, but not earlier than the policy's stated start date.
Chronic conditions
Diagnosis and treatment of chronic and congenital diseases, their complications, and conditions that began before the insurance period, are not covered, except for costs to relieve severe pain or life-threatening conditions.
Pregnancy
Examination and treatment related to pregnancy, termination of pregnancy, childbirth and post-partum complications are not covered, except for emergency medical assistance for pregnancy complications that could not have been foreseen before the policy was concluded or before departure.
Pre-existing condition exclusions
A chronic condition is defined as a health condition that already existed before the trip and/or for which the insured consulted a doctor, was treated, or took medication within the 6 months before the policy start date; treatment of such conditions is excluded except for emergency care.
Coverage duration limit
Cover applies only for the number of days stated in the policy for a single trip. If the insured is still hospitalized when cover ends for reasons beyond their control, cover (including repatriation) continues for up to 28 additional calendar days from the end of the insurance period.
Policy specifics
Medical expenses and repatriation
Coverage for emergency medical treatment expenses and repatriation due to illness or bodily injury during trip abroad
SourceAccident insurance
Not established from the insurer's documents
Optional additional coverage for injury, disability or death due to accident during trip
SourceThird-party source, not the insurer's documentTravel cancellation and interruption
Not established from the insurer's documents
Optional coverage for financial losses from cancelled or interrupted trips, travel delay or missed connections
SourceThird-party source, not the insurer's documentTravel documents and money insurance
Optional coverage for loss of travel documents and money during trip
SourcePersonal civil liability during trip
Not established from the insurer's documents
Optional coverage for damages caused to third parties or their property due to policyholder's unintentional actions
SourceThird-party source, not the insurer's documentTerritory exclusions
Not established from the insurer's documents
Insurance does not cover Lithuania, country of permanent residence, country of citizenship, Russia, Belarus, Israel
SourceThird-party source, not the insurer's documentMilitary conflict and terrorism exclusion
Military operations, armed conflicts and terrorist acts are excluded, but exception applies to trip cancellation/interruption coverage if trip started by Feb 28
SourcePre-existing and chronic conditions exclusion
Treatment of chronic and congenital conditions not covered, except emergency care to relieve severe pain or save life
SourceHigh-risk activities disclosure requirement
Policyholder must declare in advance if engaging in active recreation or extreme sports during trip for coverage to apply
SourceClaims notification deadline
Insured event must be reported within 30 days; shorter terms apply: 2 days for death, 3 days for baggage/documents/delay/liability, 12 hours for trip cancellation
SourceMedical assistance through partner network
Medical emergencies and claims handled by ERGO's partner Euro Asista UAB (24/7); ERGO directly settles medical costs through partner, not reimbursement
SourcePre-trip disclosure requirements
Not established from the insurer's documents
Policyholder must provide accurate information before contract: trip purpose/type, destination country, duration, baggage value, trip cost, ages of insured persons
SourceThird-party source, not the insurer's document