Pending review

ERGO Travel insurance (Travel Medical)

Underwritten by ERGO Insurance SE Lietuvos filialas · Lithuania

travel insurance from ERGO for the Lithuania market, with online purchase and 24/7 assistance.

Verified Aug 28, 2026 · Terms dated 2022-07-15Sources

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Key facts

ERGO

Unique selling points

Body repatriation costs are covered up to EUR 10,000.

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

Covered

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).

Clause 1.3.1Page 4

Section: II. Kelionių draudimo sąlygos > 1. Medicininių išlaidų ir repatriacijos draudimas > 1.3. Draudimo išmokos

Draudžiamojo įvykio atveju apdraustajam arba naudos gavėjui atlyginamos 1.3. punkte išvardintos patirtos išlaidos, neviršijant draudimo liudijime numatytos draudimo sumos.

Covered

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.

Clause 1.3.2.2Page 5

Section: II. Kelionių draudimo sąlygos > 1. Medicininių išlaidų ir repatriacijos draudimas > 1.3.2. Atlyginamos šios patirtos išlaidos

sveikatos priežiūros įstaigos suteiktos būtinosios medicinos paslaugų išlaidos.

Covered

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.

Clause 2.1Page 8

Section: II. Kelionių draudimo sąlygos > 2. Ligonpinigiai

Draudžiamojo įvykio atveju apdraustajam mokame 30 EUR už kiekvieną dieną, praleistą draudimo teritorijos valstybės stacionarinėje sveikatos priežiūros įstaigoje, tačiau ne daugiau kaip už 30 hospitalizavimo dienų ir neviršijant draudimo liudijime nurodytos draudimo sumos.

Covered

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.

Clause 1.3.2.3Page 5

Section: II. Kelionių draudimo sąlygos > 1. Medicininių išlaidų ir repatriacijos draudimas > 1.3.2. Atlyginamos šios patirtos išlaidos

gydytojų paskirtų vaistų, tvarstymo priemonių įsigijimo išlaidos;

Covered

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.

Clause 1.3.2.2Page 5

Section: II. Kelionių draudimo sąlygos > 1. Medicininių išlaidų ir repatriacijos draudimas > 1.3.2. Atlyginamos šios patirtos išlaidos

Odontologinio gydymo išlaidos, siekiant numalšinti dantų skausmą, negali viršyti 200 EUR per visą draudimo sutarties laikotarpį, o tais atvejais, kai draudimo sutarties laikotarpis yra ne trumpesnis nei vieneri metai, ši suma draudimo sutarties galiojimo laikotarpiu negali viršyti 250 EUR;

Covered

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.

Clause 1.3.2.1Page 5

Section: II. Kelionių draudimo sąlygos > 1. Medicininių išlaidų ir repatriacijos draudimas > 1.3.2. Atlyginamos šios patirtos išlaidos

apdraustojo vykimo ar transportavimo išlaidos į artimiausią sveikatos priežiūros įstaigą ir atgal į jo gyvenamąją vietą užsienyje kelionės metu;

Covered

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.

Clause 1.3.2.4Page 5

Section: II. Kelionių draudimo sąlygos > 1. Medicininių išlaidų ir repatriacijos draudimas > 1.3.2. Atlyginamos šios patirtos išlaidos

išlaidos už medicininę repatriaciją į apdraustojo nuolatinės gyvenamosios vietos valstybę arba į valstybę, kurios pilietybę turi, jeigu būtinosios medicinos pagalbą suteikusi gydymo įstaiga raštu pagrindžia medicininės repatriacijos būtinumą...

Covered

Repatriation of remains

€10K

Covers cremation and repatriation of the insured's body to their country of permanent residence/citizenship, or burial abroad, up to EUR 10,000.

Clause 1.3.3Page 6

Section: II. Kelionių draudimo sąlygos > 1. Medicininių išlaidų ir repatriacijos draudimas > 1.3.3

Atlyginamos kūno repatriacijos išlaidos neviršijant 10.000 EUR.

Excluded

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.

Clause 1.4.2.9Page 6

Section: II. Kelionių draudimo sąlygos > 1. Medicininių išlaidų ir repatriacijos draudimas > 1.4. Nedraudžiamieji įvykiai

apdraustojo kūno ieškojimo išlaidos;

Covered

COVID-19 treatment

€50K

Emergency medical and repatriation costs due to acute illness or death from COVID-19 are covered up to EUR 50,000.

Section: Kelionių draudimas

Atlyginamos būtinosios medicinos paslaugų ir repatriacijos išlaidos ūmaus sveikatos sutrikimo ir (ar) mirties dėl susirgimo COVID-19 atveju iki 50 000 EUR.

Excluded

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.

Clause 1.4.2.5Page 6

Section: II. Kelionių draudimo sąlygos > 1. Medicininių išlaidų ir repatriacijos draudimas > 1.4. Nedraudžiamieji įvykiai

lėtinių, įgimtų ligų, jų komplikacijų ir ligų, prasidėjusių prieš draudimo apsaugos laikotarpio pradžią, nepriklausomai nuo to ar prieš įvykį jos buvo gydomos ar ne, diagnostikos ir gydymo išlaidos, išskyrus stiprių skausmų ir gyvybei grėsmingų būklių pašalinimo išlaidas.

Conditional

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.

Clause 12.1.8.11Page 24

Section: II. Kelionių draudimo sąlygos > 12. Bendri nedraudžiamieji įvykiai

slidinėjimas su snieglente ir kalnų slidėmis.

Conditional

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.

Clause 12.1.8Page 23

Section: II. Kelionių draudimo sąlygos > 12. Bendri nedraudžiamieji įvykiai

užsiėmimus kovine sporto šaka ar padidintos rizikos bei ekstremaliu sportu (veikla), jei draudimo sutartyje nėra numatyta kitaip:

Conditional

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.

Clause 1.4.2.2Page 6

Section: II. Kelionių draudimo sąlygos > 1. Medicininių išlaidų ir repatriacijos draudimas > 1.4. Nedraudžiamieji įvykiai

apžiūros, gydymo dėl nėštumo, nėštumo nutraukimo, gimdymo, pogimdyvinio periodo susirgimų, išskyrus išlaidas už būtinąją medicinos pagalbą dėl nėštumo komplikacijų, kurių Jūs arba apdraustoji nenumatėte ir negalėjote numatyti iki draudimo sutarties sudarymo dienos arba išvykimo į užsienį momento...

Optional

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.

Clause 10.3.2Page 20

Section: II. Kelionių draudimo sąlygos > 10. Asmens civilinės atsakomybės draudimas > 10.3

Jeigu draudimo liudijime nėra numatyta kitaip, draudimo išmokos dėl neturtinės žalos ir dėl negautų pajamų atlyginimo kiekviena negali viršyti 10 % draudimo liudijime nurodytos asmens civilinės atsakomybės draudimo sumos.

Conditional

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.

Clause 10.3.4Page 21

Section: II. Kelionių draudimo sąlygos > 10. Asmens civilinės atsakomybės draudimas > 10.3

Jeigu byla dėl žalos atlyginimo yra nagrinėjama teisme, atlyginama trečiajam asmeniui padarytos žalos, būtinų išlaidų, skirtų žalai sumažinti arba išvengti, ir bylinėjimosi išlaidų suma, tačiau neviršijant draudimo liudijime nurodytos draudimo sumos.

Covered

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.

Section: Kelionių draudimo žala > Ką daryti nutikus įvykiui?

Atsitikus įvykiui prašome nedelsiant kreiptis į ERGO Insurance SE Lietuvos filialą telefonu +370 5 2683222 (darbo dienomis) arba į ERGO Insurance SE Lietuvos filialo kelionių medicinos asistavimo partnerį užsienyje 24 val. per parą: Euro Asista, UAB. Tel. (+370) 52 322 944, el. paštas: [email protected].

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 date the insurance contract was concluded; treatment of such conditions is excluded except for emergency care.

SourcePage 4

Section: II. Kelionių draudimo sąlygos > 1. Medicininių išlaidų ir repatriacijos draudimas > Vartojamos sąvokos

Lėtinė liga – sveikatos būklė, kuri jau egzistuoja išvykstant į kelionę ar / ir dėl kurios apdraustasis konsultavosi, gydėsi ar vartojo vaistus paskutinių 6 mėnesių laikotarpiu iki išvykimo į užsienį draudimo sutarties sudarymo dienos.

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.

Direct payment

Medical emergencies abroad are handled through ERGO's assistance partner Euro Asista UAB (24/7), which can arrange direct payment with the medical provider; otherwise the insured pays and claims reimbursement within the notification deadlines.

Territorial scope

Cover does not apply in Lithuania, the country of permanent residence, the country of citizenship, Russia, Belarus or Israel

Documents

ERGO Travel Insurance Terms and Conditions No. 028 (opens in a new tab)

Terms & conditions · PDF

ERGO Travel Insurance Terms and Conditions No. 028 (mirror copy) (opens in a new tab)

Terms & conditions · PDF

Insurance Product Information Document (IPID) - Travel Insurance (opens in a new tab)

Product information sheet · PDF

Policy specifics

Medical expenses and repatriation

Coverage for emergency medical treatment expenses and repatriation due to illness or bodily injury during trip abroad

Source

Accident 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 documentPage 1

Section: Kam taikoma draudimo apsauga?

Draudimas nuo nelaimingų atsitikimų – dėl nelaimingo atsitikimo patirtas kūno sužalojimas arba mirtis.

Luggage/baggage insurance

Optional coverage for loss, damage or delay of baggage during trip

Source

Travel 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 documentPage 1

Section: Kam taikoma draudimo apsauga?

Kelionės išlaidų (finansinių nuostolių) draudimas – kelionės atšaukimas ar nutraukimas, kelionės jungties praradimas ir pavėlavimu išvykti į numatytą kelionę.

Travel documents and money insurance

Optional coverage for loss of travel documents and money during trip

Source

Personal 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 documentPage 1

Section: Kam taikoma draudimo apsauga?

Asmens civilinės atsakomybės draudimas – žalos kito asmens sveikatai, gyvybei arba turtui padarymas.

Territory 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 documentPage 2

Section: Kur man taikoma draudimo apsauga?

Draudimo apsauga negalioja Lietuvoje, nuolatinės gyvenamosios vietos valstybėje ir šalyje, kurios pilietybę turite, jeigu draudimo sutartyje nėra numatyta kitaip.

Military conflict and terrorism exclusion

Military operations, armed conflicts and terrorist acts are excluded. (Temporary notice: for travellers in the Middle East with cancellation, delay or interruption cover whose trip began by 28 February, reasonable safe-return transport and accommodation costs are compensated.)

Source

Section: Important information for travelers in the Middle East

Although military operations and armed conflict are excluded under the general terms and conditions of insurance contracts, this exclusion will not be applied to clients insured for travel cancellation, travel delay, and travel interruption whose trip began no later than 28 February. Reasonable transport and accommodation costs incurred in connection with a safe return will be compensated in accordance with the insurance agreement.

Pre-existing and chronic conditions exclusion

Treatment of chronic and congenital conditions not covered, except emergency care to relieve severe pain or save life

Source

High-risk activities disclosure requirement

Policyholder must declare in advance if engaging in active recreation or extreme sports during trip for coverage to apply

Source

Claims 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

Source

Section: Travel insurance > Frequently asked questions about travel insurance > How soon should I report an incident?

The insured event must be reported no later than 30 calendar days after the event. In certain cases, a shorter term can be set, for example, in the case of death - 2 days, in the case of damage to luggage, travel documents, travel change (delay, loss of connection) and civil liability - 3 days, and in the case of cancellation or termination of the trip immediately (not later than within 12 hours), excluding bank holidays and non-working days.

Medical 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

Source

Section: Kelionių draudimo žala > Pagalba užsienyje

Dėl medicininių išlaidų užsienyje kreipkitės į ERGO Insurance SE Lietuvos filialą telefonu +370 5 2683222 (darbo dienomis) arba į ERGO Insurance SE Lietuvos filialo žalų asistavimo partnerį užsienyje 24 val. per parą: Euro Asista, UAB, tel. +370 52 322 944, El. paštas: [email protected].

Pre-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 documentPage 2

Section: Kokios mano pareigos?

Iki sudarant draudimo sutartį – pateikti reikiamą informaciją rizikai vertinti, t.y. duomenis apie apdraustųjų amžių, draudimo sutarties ir kelionės trukmę, valstybę, į kurią vykstama, kelionės pobūdį (tikslą), maršrutą, bagažo vertę, kelionės kainą, draudimo sumas ir kitas aplinkybes, galinčias turėti esminės įtakos draudimo rizikos vertinimui.