ERGO
ERGO is a travel insurance for the LT market with online purchase and 24/7 assistance.
Direct payment
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.
Geographic scope
LT
Worldwide except Lithuania, Russia, Belarus, Israel, country of permanent residence, and country of citizenship of the insured person. For trip cancellation/delay coverage, Lithuania and country of permanent residence are also included.
Unique selling points
- 24/7 medical assistance abroad is arranged through dedicated partner Euro Asista, enabling direct hospital payment coordination at any hour in any country.
- Recognised as the top insurer in customer service in Lithuania for five consecutive years according to independent mystery shopper research.
- Instant online policy issuance with a price guarantee that the online rate is the lowest available from ERGO, with documents delivered at any time of day.
- Terrorism coverage included for medical expenses and accident risks for the first 7 days, even if the insured travels knowing of a declared state of emergency.
- Coverage automatically extended by up to 28 calendar days beyond the policy end date if the insured is still receiving inpatient treatment for a covered event abroad.
Coverage limits
Medical expenses and repatriation insurance
Covered
Covers emergency medical treatment expenses (transport to nearest healthcare facility, necessary medical services, prescribed medications and dressings) for sudden bodily injury or acute illness abroad. Dental pain relief capped at 200 EUR per policy period (250 EUR for policies of one year or more). Medical repatriation expenses covered if medically justified; body repatriation capped at 10,000 EUR. Companion expenses up to 100 EUR/day for max 7 days. Coverage sum is as specified in the policy certificate.
Emergency medical treatment (necessary medical assistance)
Covered
Covers first urgent and immediate medical assistance due to a threat to the insured's life or health that cannot be deferred until return to the country of permanent residence. Includes treatment until the insured's condition stabilises, medical repatriation, or death. Does not include rehabilitation, therapeutic, resort or sanatorium treatment, or unconventional medicine. Insured events include sudden bodily injury and/or acute illness arising abroad during the policy period.
Hospitalization expenses
Covered
Inpatient treatment costs at healthcare facilities of the state health system of the visited country are covered within the medical expenses sum. Additionally, a daily hospital benefit (ligonpinigiai) of 30 EUR per day is payable (up to 30 days) for hospitalization exceeding 2 consecutive days, if this optional cover is selected. Phone call expenses up to 30 EUR and a 30 EUR/day additional benefit (up to 100 EUR per event) are also available for hospitalized insured persons covered by compulsory health insurance.
Outpatient treatment expenses
Covered
Outpatient necessary medical services, transport to and from the nearest healthcare facility, and prescribed medications are covered within the medical expenses insured sum. Repeated visits for the same condition when treatment has not changed, or visits solely for discussion of test results, are not reimbursed. If expected costs do not exceed 500 EUR, the insured pays and submits a reimbursement claim.
Emergency dental treatment (pain relief)
Covered
Dental treatment expenses for pain relief are covered up to 200 EUR per policy period. For policies of one year or more, this limit is 250 EUR. Dental treatment beyond pain relief (e.g. aesthetic or prosthetic work) is excluded.
Medical transport
Covered
Transport costs to and from the nearest healthcare facility abroad are covered within the medical expenses insured sum. Companion travel expenses are covered up to economy class airfare. In the event the insured misses a scheduled departure due to medical treatment, ticket change/rebooking costs are covered up to 600 EUR.
Medical repatriation (evacuation)
Covered
Medical repatriation to the insured's country of permanent residence or citizenship for further inpatient treatment is covered within the medical expenses insured sum, provided the necessity is confirmed in writing by the treating medical institution. Expenses cannot exceed the cost of repatriation to Lithuania regardless of the insured's country of residence. Medical staff accompaniment during repatriation can be arranged by Euro Asista (24/7).
Repatriation of remains
Covered
In the event of the insured person's death abroad, the costs of body repatriation (including cremation) to the country of permanent residence or citizenship are covered up to 10,000 EUR. Alternatively, burial abroad is covered within this limit.
Search and rescue
Excluded
Search and rescue costs are not listed among reimbursable expenses in the medical expenses and repatriation section. Body search costs are explicitly listed as non-reimbursable (clause II.1.4.2.9).
COVID-19 treatment
Conditional
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.
Pre-existing / chronic conditions
Conditional
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.
Winter sports coverage
Conditional
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.
Adventure / extreme sports coverage
Conditional
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.
Pregnancy complications
Conditional
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.
Personal civil liability insurance during travel
Optional
Optional coverage for third-party claims arising from the insured's unintentional acts causing bodily injury, death, or property damage to third parties during travel in the insured territory. Non-material damage and loss of earnings each capped at 10% of the civil liability insured sum. Coverage sum is as specified in the policy certificate. Excluded: contractual liability, motor vehicle use, damage to family members, damage caused by professional activities, wildlife encounters, animal ownership.
Legal assistance
Not offered
Standalone legal assistance coverage is not offered or described in the ERGO Kelionių draudimo taisyklės Nr. 028. Litigation costs (court fees, legal representation) are mentioned only in the context of civil liability claims settlement (clause II.10.3.4), not as a separate insured benefit.
24/7 assistance service abroad
Covered
24/7 medical assistance abroad is provided through ERGO's partner Euro Asista (tel. +370 52 322 944, claims@euroasista.lt). Euro Asista can coordinate direct payment arrangements with healthcare providers and assist with medical evacuation. ERGO's own helpline (+370 5 2683222) is available on working days only. For emergencies in the USA, Canada, or Australia, the insured must contact ERGO or Euro Asista before seeking treatment, if possible given the nature of the emergency.
Key conditions
Assistance call deadline
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.
Unauthorized treatment
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.
Purchase while abroad
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.
Chronic conditions
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.
Pregnancy
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.
pre_existing_conditions
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.
coverage_duration_limit
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.
Where to buy
Policy specifics
Travel cancellation insurance
Optional coverage protecting against financial losses from trip cancellation, postponement, or interruption due to unforeseen circumstances
Travel baggage insurance
Optional coverage for baggage loss, damage, delay, or theft during travel
Accident insurance
Optional coverage for injury, disability, or death due to accident during travel
Coverage territory exclusions
Travel insurance does not cover Lithuania, Russia, Belarus, Israel, country of permanent residence, or country of citizenship
Active leisure declaration requirement
If planning active leisure or competitions during travel, this information must be declared before contract conclusion for coverage to apply
Claim notification deadlines
Events must be reported within specific timeframes: death 2 days, baggage/documents 3 days, trip changes 3 days, general claims 30 days, cancellation 12 hours
Medical facility pre-approval in certain countries
Before seeking medical care in USA, Canada or Australia, contact ERGO or partners to indicate healthcare facility
Medical assistance partner Euro Asista
For medical emergencies abroad, ERGO's partner Euro Asista provides 24/7 assistance and can arrange direct payment