If P&C Insurance AS (Lithuanian branch)
If
If is a travel insurance for the Lithuania market with online purchase and 24/7 assistance.
Direct payment
If the cost of medical services is up to EUR 1000, you pay the clinic yourself and are reimbursed within 30 days after returning home upon submitting the required documents. If the expected cost exceeds EUR 1000, you (or the treating doctor) must contact If in advance, and the benefit is paid directly to the medical facility.
Geographic scope
Worldwide, according to the territorial zone selected in the policy
Cover applies only in the territory stated in the insurance certificate, excluding the insured person's country of permanent residence; regardless of the zone chosen, cover explicitly does not apply in Ukraine, Russia, Belarus or Israel.
Unique selling points
- Medical treatment costs are compensated even if you are injured in a terrorist act during your trip.
- Broader protection than the European Health Insurance Card — valid worldwide, not only at public healthcare providers in the EU.
- Essential medical assistance is always included in every If travel policy; you then add exactly the extra protections you need (trip costs, baggage, liability, rental car excess, home contents, high-risk leisure).
- Manage your policy and claims anytime through the 'If Mobile Baltics' app, including a digital insurance card for Apple/Google Wallet.
- Round-the-clock emergency assistance on a single phone number (+370 5 210 8800), reachable at any hour of the day.
Coverage limits
Essential medical assistance sum insured
Covered
Covers medical costs from accidental bodily injury or sudden acute illness abroad requiring urgent medical help. This cover is always included in every If travel policy; the exact sum insured is agreed individually and stated in the insurance certificate, not fixed in the T&Cs.
Emergency medical treatment
Covered
Covers urgent and emergency medical treatment costs that, if not provided, would harm health or endanger life, within the overall medical sum insured.
Inpatient (hospital) treatment
Covered
Covers necessary inpatient hospital treatment costs abroad, considered necessary only if it cannot be postponed until return to the home country, within the overall medical sum insured.
Outpatient (ambulatory) treatment
Covered
Covers necessary outpatient medical treatment, prescribed tests, medication, dressing and fixation materials related to essential medical assistance, within the overall medical sum insured.
Emergency dental pain relief
€150
Covers costs of urgent dental care and medication to relieve severe tooth pain, regardless of cause, up to EUR 150 for the whole policy period.
Medical transport (incl. taxi to clinic)
€100
Covers reasonable costs of necessary and medically urgent transport by ambulance or other transport; necessary taxi costs to and from the medical facility are compensated up to EUR 100 for the whole policy period. Other reasonable transport costs are limited only by the overall medical sum insured.
Medical evacuation for further treatment
Covered
Covers the cost of transporting you back from abroad to your country of permanent residence to continue treatment, within the overall medical sum insured.
Repatriation of remains / burial abroad
Covered
In case of death, covers the cost of transporting the remains to the country of permanent residence, or, alternatively, the necessary burial costs abroad not exceeding the repatriation cost.
Search and rescue costs
Excluded
Costs of searching for you or your remains are explicitly excluded. Rescue-operation costs are also excluded unless they are directly related to your bodily injury or health disorder.
COVID-19 treatment
No limit stated
The current T&Cs, IPID and product page contain no clause specifically naming COVID-19 treatment; acute illness is covered generally, but no dedicated COVID-19 provision was found.
Pre-existing conditions
Conditional
Known illnesses, or illnesses that began before the policy took effect, are excluded, except for sudden acute attacks or flare-ups that endanger your life.
Winter sports cover (skiing, snowboarding)
Optional
Skiing and snowboarding are classified as 'higher-risk leisure' and are covered only if explicitly declared and shown on the insurance certificate; incidents during undeclared skiing/snowboarding are not covered.
Adventure / extreme sports cover
Optional
Activities defined as 'higher-risk leisure' (e.g. diving, mountaineering, parachuting, motor sports, high-power motorcycles) are covered only if explicitly declared and shown on the insurance certificate.
Pregnancy complications
€300
Covers urgent and emergency medical costs for sudden, unforeseen pregnancy complications arising after the policy started, up to EUR 300 for the whole policy period; routine pregnancy monitoring, childbirth and pregnancy termination are excluded.
Personal (civil) liability abroad
Optional
Covers your civil liability for unintentional damage caused to third parties' property, health or life during the trip (also covering damage caused by your children under 14 or your pets). Optional cover, sold only if selected and shown on the insurance certificate; the sum insured is agreed individually.
Legal assistance (within civil liability cover)
Optional
Within the optional civil liability cover, If reimburses your court costs and lawyer's fees, and will help defend you if a liability claim against you is unjustified, within the civil liability sum insured.
Round-the-clock emergency assistance line
Covered
If's representatives on the phone number +370 5 210 8800 (used for both claims consultation and general emergency assistance) are reachable around the clock, every day.
Key conditions
Assistance call deadline
If the expected cost of medical treatment exceeds EUR 1000, you or the treating doctor must contact If before or during treatment so that If can pay the clinic directly; otherwise you may pay yourself and claim reimbursement afterwards.
Unauthorized treatment
If you unjustifiably delay reporting a claim, fail to comply with recommendations, or the documents provided are misleading as to key facts affecting the amount of the benefit, If reduces the benefit by 50%. If provided information is deliberately false, If may declare the contract void.
Purchase while abroad
Medical and accident cover starts no earlier than when you cross the border of your country of permanent residence, so in practice the policy must be purchased and paid before you leave home; it cannot be bought retroactively to cover events that already occurred.
Chronic conditions
Chronic, psychiatric, oncological, sexually transmitted and HIV-related illnesses are excluded regardless of stage, except sudden acute attacks or flare-ups that are life-threatening.
Pregnancy
Routine pregnancy monitoring, childbirth and pregnancy termination are not covered. Only sudden, unforeseen pregnancy complications that arise after the policy started are covered, up to EUR 300 for the whole policy period.
Pre-existing condition exclusions
For trip-cancellation cover, health problems (illness or bodily injury) known and treated (or that should have been treated) within the 6 months before buying the policy or trip are excluded. For medical cover, known or pre-inception illnesses are excluded except sudden life-threatening exacerbations.
Coverage duration limit
Under the multi-trip add-on, cover applies to every foreign trip while the contract is in force, but each individual trip may not exceed 21 days.
Where to buy
Policy specifics
Medical repatriation
Covers transportation costs for medical evacuation or repatriation to home country in case of serious illness or injury during travel
SourceTrip expense cancellation
Covers non-refundable travel costs (accommodation, transport, activities) if trip is cancelled due to covered events before departure
SourceAccident insurance
Covers permanent disability or death resulting from accidental bodily injury during travel
SourceBaggage and personal documents loss
Covers theft or loss of luggage, money, documents, and valuables when using robbery or break-in force. Maximum EUR 500 per event
SourceCoverage territory exclusions
Draudimas negalioja keliavimams į Ukrainą, Rusiją, Baltarusiją ir Izraelį; also excludes Lithuania as permanent residence
SourceCoverage start date requirements
Policy must be purchased and payment made before departure from permanent residence. Trip expense cancellation coverage begins 3 days after purchase
SourceLeisure-only activity restriction
Insurance covers only leisure travel, not work-related travel. If traveling for physical work, must be explicitly marked in policy
SourceMedical necessity and immediacy requirement
Coverage applies only to necessary, unforeseeable medical treatment. Planned treatments, vitamins, regular medications not covered
SourceClaim reporting deadline
For medical incidents: immediate or within 72 hours if hospitalization; general: within 10 business days of return from travel
SourceDeclaration of work and high-risk leisure activities
If you intend to do paid physical work, practise sport, or engage in higher-risk leisure activities (e.g. skiing, diving) during the trip, this must be stated and added to the policy in advance — incidents arising from undeclared such activities are not covered. Business trips can also be insured, including under the dedicated short business-trip add-on.
Source