Lifecard-Travel-Assistance Gesellschaft für Reiseschutz mbH (LTA)

Assistance call deadline

You (or a fellow traveller) must contact the 24-hour medical service immediately if treatment is needed on the spot, and must not agree to any payment before the medical service has checked the invoiced costs.

Unauthorized treatment

If the medical service is not informed before extensive outpatient or inpatient diagnostic/therapeutic treatment begins, or before a payment commitment is made, the insurer may reasonably reduce the benefit in proportion to the severity of the breach, e.g. for treatment exceeding medical necessity or excessive/inflated billing.

Purchase while abroad

Not addressed in the sources for the medical module; the policy is a continuous annual policy intended to be taken out before departure. For bookings made less than 14 days before departure, the policy (relevant mainly to the cancellation-related modules) must start on the booking date or within 4 working days thereafter for those modules to apply.

Chronic conditions

Sudden worsening or recurrence of chronic or psychiatric illnesses is excluded from cover under the medical expenses module.

Pregnancy

Pregnancy check-ups and treatment, including childbirth and abortion, are excluded unless necessitated by an unforeseen acute deterioration in the health of the mother or the unborn child.

Pre-existing condition exclusions

Costs due to causes already known to the insured before the start of the stay abroad, and treatments that were the reason (or one of the reasons) for undertaking the trip, are excluded.

Coverage duration limit

Cover under the medical expenses module generally applies for the first 56 days of each holiday or business trip. If a return is medically impossible, treatment remains covered until transport is medically responsible again, but for no more than 4 weeks beyond the end of the insurance period taken out for that trip.

Medical expenses abroad (travel medical coverage)

Comprehensive coverage for unexpected serious illness or injury requiring medical treatment abroad, including emergency dental treatment, hospital stays, and doctor visits

Repatriation and return transport costs

Unlimited coverage for medically justified transport of patient back to home country and domestic return costs following medical treatment abroad

COVID-19 health protection

Specific coverage for expenses arising from confirmed SARS-CoV-2 infection and/or mandatory quarantine/home isolation arrangements during insured travel

Trip cancellation coverage

Reimburses pre-paid travel costs up to specified limits (€1,500–€25,000 depending on tariff tier) if trip must be cancelled for covered reasons before departure

Trip interruption (early return) coverage

Covers costs to return home prematurely if serious illness, injury, or death of family member occurs during trip

Baggage and personal effects coverage

Covers loss, theft, or damage to baggage and personal belongings up to specified limits; includes coverage for children's items (up to €1,500 per child under 16)

Travel delay assistance

Provides emergency allowance (€500) for necessary purchases when travel is delayed 24+ hours (e.g., food, toiletries, basic supplies)

Travel accident insurance

Worldwide coverage for accidents during vacation trips; provides benefit for accidental death or permanent disability

Travel personal liability

Protects individuals against third-party liability claims for accidental injury to persons or damage to property up to €1.5 million; €100,000 limit for damage to hired goods

Air passenger rights compensation assistance

Assistance with compensation claims under EU Regulation 261/2004 for flight delays (3+ hours), cancellations, denied boarding, or missed connections

Age/tariff-dependent deductible for medical claims

Depending on the chosen tariff, there is either no deductible or a deductible of EUR 100 per insured event for the medical expenses module

Age-dependent deductible structure

Deductible varies by policyholder age: no deductible for ages under 44; 10% deductible on medical claims for ages 44–69; 20% deductible for ages 70+ (medical claims only)

Maximum trip duration per insured journey

Coverage applies only to individual trips not exceeding 56 consecutive days; annual policy valid for unlimited number of trips within this per-trip duration cap

Definition of insured and co-insured persons

Individual tariff: main insured + up to 3 accompanying children (under 18 or under 23 if not in full-time employment), regardless of relationship or residence. Partner tariff: 2 adults regardless of relationship or residence. Family tariff: up to 2 adults + up to 5 children under 18 (or under 23 if not employed).

Waiting period and pre-booking coverage conditions

For trips booked before policy start: minimum 14 days must elapse between policy inception and planned departure. For last-minute bookings (< 14 days notice): policy must commence on booking date or within 4 business days. All other coverage types can be activated up to trip departure date.

Worldwide coverage scope

Coverage applies globally for all trips regardless of mode of transport (car, coach, train, aircraft, ship) and regardless of booking method (travel agency or online)

Annual policy validity

All in One coverage is valid for a full 12-month period; insured parties do not need to renew or purchase additional policies for each trip; coverage automatically applies to all qualifying trips during the policy year

Claims submission and contact procedures

Medical emergency claims: 24-hour alarm service (tel +31 (0) 10 313 86 69). General claims and customer service: +31 (0) 10 313 39 50. Cancellation advice service: +31 (0) 10 313 89 42. Mailing address: LTA Servicecenter, Bergweg Zuid 132, 2661 CW Bergschenhoek. Email: info@lta-reisdekking.nl