Swedbank
Swedbank is a travel insurance for the LT market with online purchase and limited assistance availability.
Direct payment
In the event of a covered medical incident the insured must contact the assistance company prior to receiving treatment where possible. If the insured pays out of pocket, all supporting documents (medical records, invoices) must be retained to submit a reimbursement claim through the Swedbank internet bank.
Geographic scope
LT
Worldwide excluding Lithuania (country of residence), Russian Federation, Republic of Belarus, uncontrolled territories of Ukraine, uncontrolled Transnistria territory of Moldova, and countries advised against by the Lithuanian Ministry of Foreign Affairs
Unique selling points
- Medical expenses coverage of up to 750,000 EUR — one of the highest limits available in the Lithuanian travel insurance market.
- Fully customisable coverage package purchasable online within minutes, with travellers able to add or exclude individual modules such as accident, legal, baggage, and high-risk activity cover.
- Optional add-on for higher-risk activities and sports trips covering extreme diving, kitesurfing, and mountain climbing — perils rarely included in standard Lithuanian travel policies.
- Instant online issuance via Swedbank internet bank with minimal form-filling, and an entire travel group can be insured in a single purchase.
- Core medical protection combined with personal civil liability and legal assistance (up to 10,000 EUR each) in a single integrated travel product.
Coverage limits
Medical expenses
Covered
Covers medical treatment costs up to 750,000 EUR in the event of a sudden illness or injury during travel abroad.
Emergency medical treatment
Covered
Emergency medical treatment is covered within the overall medical expenses limit of up to 750,000 EUR, including treatment at both private and public institutions abroad.
Hospitalization
Not offered
Hospitalization costs are covered within the overall medical expenses limit; no separate sub-limit identified in available sources.
Outpatient treatment
Not offered
Outpatient treatment costs are covered within the overall medical expenses limit; no separate sub-limit identified in available sources.
Emergency dental
Covered
Emergency dental (toothache relief) expenses are referenced in the Swedbank Classic credit card travel insurance T&C at up to EUR 200; a specific sub-limit for the standalone online travel product is not confirmed in available sources.
Medical transport
Not offered
Medical transport costs (e.g. transport to a medical facility) are covered within the overall medical expenses limit; no separate sub-limit found in available sources.
Medical evacuation
Not offered
Medical evacuation including special transport after injury (e.g. mountain rescue transport) is referenced as covered within the travel insurance; a specific sub-limit is not identified in available official sources.
Repatriation of remains
Not offered
Repatriation of remains is expected to be covered as part of the medical assistance package; a specific limit or clause is not confirmed in available official sources for the standalone online product.
Search and rescue
Not offered
Search and rescue costs (e.g. mountain rescue) are referenced indirectly in Swedbank blog content as potentially large expenses covered by travel insurance; a specific clause or limit is not confirmed in available official sources.
COVID-19 treatment
Conditional
As of 2020, Swedbank explicitly stated that insurance compensation does not apply to medical assistance required due to coronavirus. Current policy status for COVID-19 is not confirmed by a more recent official source.
Pre-existing conditions
Excluded
Pre-existing and chronic conditions are generally excluded from standard travel insurance products in Lithuania; no specific coverage confirmed in available official Swedbank sources for the standalone online travel product.
Winter sports cover
Optional
Winter sports coverage (e.g. skiing on official slopes) may be included at standard risk levels; for higher-risk winter activities an optional paid add-on (padidintos rizikos veiklos apsauga) is available.
Adventure sports cover
Optional
An optional add-on covering higher-risk activities (padidintos rizikos veikla) and sports trips (sporto kelione) is available, covering activities such as extreme diving, mountain climbing, kitesurfing, and similar adventure sports.
Pregnancy complications
Not offered
Coverage for pregnancy complications is not explicitly confirmed or excluded in available official Swedbank sources for the standalone online travel product.
Personal liability
Covered
Personal civil liability coverage is included up to 10,000 EUR, covering accidental damage or injury caused to third parties during travel.
Legal assistance
Covered
Legal assistance coverage is included up to 10,000 EUR as part of the combined civil liability and legal assistance package.
24/7 assistance
Covered
An assistance service is available for travel insurance customers reachable at +370 5 268 4444. Whether this line operates 24/7 is not confirmed in available official sources; the main customer service line operates on weekday and Saturday business hours only.
Key conditions
Assistance call deadline
The insured must contact the assistance company before seeking medical treatment where possible. Failure to do so may affect reimbursement. In Egypt, contacting the assistance company OPS International before visiting any medical facility is mandatory in all cases.
Unauthorized treatment
If the insured pays for treatment without prior authorisation from the assistance company where required, reimbursement may be reduced or denied. All invoices and medical records must be retained as proof.
Purchase while abroad
The insurance contract is concluded for a selected travel period and the premium must be paid before the trip starts. It is not confirmed whether the policy can be purchased after travel has commenced.
Chronic conditions
Chronic diseases and ongoing treatment for pre-existing conditions are generally not covered under standard Lithuanian travel insurance products. Emergency treatment due to a sudden acute episode may be covered depending on policy terms.
Pregnancy
Coverage for pregnancy complications is not explicitly addressed in available official sources for the Swedbank standalone online travel product. Customers are advised to consult the insurer before travel.
pre_existing_conditions
Pre-existing conditions are generally excluded from standard travel insurance coverage. The Swedbank online travel product does not confirm any specific inclusion for pre-existing conditions in available official sources.
coverage_duration_limit
The insurance contract is concluded for the selected travel period. Coverage commences on the date indicated in the insurance certificate, provided the premium has been paid before that date. Coverage terminates on the last date specified in the policy.
Where to buy
Policy specifics
Medical expenses coverage limit
The Travel product covers up to 750,000 euros in medical expenses for treatment of sudden illness or injury during travel
Online subscription travel insurance
The Travel product is purchased online through Swedbank's internet banking platform for specific trip periods, allowing customers to customize coverage packages
Trip duration selection
Insurance coverage is purchased for a selected travel period; coverage commences on the policy start date if premium is paid before that date
Customizable coverage packages
The online Travel product allows customers to select individual coverage options within minutes, including medical expenses, accident insurance, legal assistance, and baggage coverage