What to do in case of an insured event?
Report the accident as soon as possible by completing the online application at eclaims.eu or call the Compensa 24/7 customer support desk +371 6 755 8899.
Luminor Black card Travel insurance covers
Medical expenses up to € 300 000
| Service | Limit |
|---|---|
| Hospital daily allowance (per day) | € 20 per day |
| Dental expenses | € 500 |
| Medical aids | € 500 |
| Repatriation (including coffin costs) | Up to the Medical Expenses Risk Limit |
| Rescue costs | Up to the Medical Expenses Risk Limit |
| Medical transport in the country of residence | Up to the Medical Expenses Risk Limit |
| Medical transport | Up to the Medical Expenses Risk Limit |
| Accompanying staff | Up to the Medical Expenses Risk Limit |
| Medical transport during the Trip in the Country of residence | € 5 000 |
| Repatriation in case of death during the Trip in the Country of residence | € 5 000 |
| COVID-19 expenses | € 10 000 |
| Replacement of the insured (Transport and accommodation costs) | not included |
| Telephone expenses | € 50 |
| Subsistence expenses for a family member (Transport and accommodation costs) | Per person up to 5 days |
| Accident involving disability or death (Maximum compensation for all persons together) | € 50 000 |
| Accident during the trip in the country of residence with the occurrence of disability or death (Maximum compensation for all persons combined) | € 15 000 |
Lost or damaged luggage insurance
| Service | Limit |
|---|---|
| Loss of checked baggage 4 hours < 21 days. Actual costs reimbursed | € 500 |
| Loss of checked baggage > 21 days. Actual costs reimbursed | € 1 000 |
| Damage to luggage | € 1 000 |
Flight delay, trip cancelation or missed arrival
| Service | Limit |
|---|---|
| Flight delay 4 hours < 12 hours. Actual costs reimbursed | € 500 |
| Cancellation, interruption of the trip (deductible 15%) | € 1 000 |
| Cancellation/interruption of the trip due to natural disasters (deductible 15%) | not included |
| Missed arrival at the starting point of the Trip and missed transit | € 1 000 |
Private civil liability up to € 50 000
| Service | Limit |
|---|---|
| Legal aid | € 1 000 |
