Gjensidige

Assistance call deadline

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.

Unauthorized treatment

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%.

Purchase while abroad

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

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

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.

pre_existing_conditions

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

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.

Medical expenses abroad

Coverage for medical treatment, medications, transportation to healthcare facility, and emergency medical services provided abroad

Medical repatriation

Coverage for medical evacuation and transportation back to Lithuania for further inpatient treatment when medically necessary

Baggage loss and delay coverage

Coverage for lost, stolen, or damaged baggage during travel, and compensation for essentials purchased when baggage is delayed

Trip cancellation and interruption

Coverage for financial losses when a planned trip must be cancelled before departure or interrupted after it begins due to unexpected circumstances

Flight delay compensation

Coverage for financial losses including accommodation and other necessary expenses when flights are delayed or cancelled

Personal civil liability

Coverage for liability for unintentional damage caused to third parties' health, life, or property during travel

Personal accident insurance

Coverage for bodily injury, disabilities, or death resulting from accidents during travel

COVID-19 medical coverage

Coverage for medical expenses if insured person becomes ill with COVID-19 during travel abroad

Sports equipment coverage

Optional coverage for sports equipment and gear lost, damaged, or stolen during travel (e.g., skis, snowboards, paragliders)

Pre-existing medical conditions

Medical conditions existing before insurance purchase may have limited or excluded coverage

Trip must be booked in advance

Trip cancellation insurance typically requires the trip to be paid and booked before policy purchase

Territory restrictions

Insurance does not cover travel to Lithuania (permanent residence), countries of citizenship, permanent residence permit countries, and war-affected territories

Medical assistance contact requirement

When medical treatment is needed abroad, assistance company must be contacted before or immediately after seeking medical care

Claim notification deadlines

Insured must notify of medical events within 24 hours if hospitalization/death, or within 7 days of returning from trip for other claims

MINI variant - EU travel only

MINI variant is available only for Lithuanian citizens with valid European Health Insurance Card traveling to EU countries

Active sports activities must be declared

Participation in risky activities (skiing, diving, extreme sports) must be disclosed during policy purchase; coverage may be excluded if not declared

Coverage period limits

Individual travel coverage is typically limited to a maximum of 30-90 days per trip, with annual coverage options available