Who is eligible for the travel insurance?

Business cards come with travel insurance for the cardholder and two accompanying colleagues for worldwide trips up to 30 days, which makes your travels safe and convenient. It is not necessary for you to pay for travel expenses with the card for the insurance to be valid.

What does my Business card travel insurance include? What are the coverage limits and terms and conditions?

Business card travel insurance covers you and up to two of your colleagues, but the coverage limit is split between all insured persons in the event of insured.
Insurance cover Maximum sum insured per credit card
Medical expenses, incl. 100 000 €
Medical transport 100 000 €
Medical transport in the Home Country 100 000 €
Repatriation in the event of illness/death 100 000 €
Dental expenses 500 €
Medical auxiliaries 500 €
Hospital allowance (per day) 20 €
Accident resulting in death or disability 15 000 €
Provide third-party liability 50 000 €
Legal assistance 1 000 €
Delay of luggage 600 €
from 4 to 12 hours 300 €
From 12 hours to 21 days 300 €
Loss or damage of luggage 500 €
Luggage theft 500 €
Delay or cancellation of a flight 500 €
Cancellation and interruption of travel 700 € (deductible 15%)
Delayed arrival to the initial destination of the Travel and missed transit 700 €
Insured’s replacement 1 000 €
accident.
 
Here you can find all travel insurance terms and conditions.

I have a question about the travel insurance terms and conditions. Whom should I turn to?

Travel Insurance for credit card is provided by Bank in cooperation with Compensa Vienna Insurance Group ADB, incorporated in Lithuania with registration number 304080146, legal address: Ukmergės g. 280, LT-06115 Vilnius, Lithuania, acting in the Republic of Latvia through its Latvian Branch, reg. No 40103942087, address: Vienības gatve 87h, Riga, Latvia.

Call Centre of Compensa Vienna Insurance Group ADB Latvia Branch
Phone: +371 6755 8899
Notification form: eclaims.eu 
E-mail: info@compensa.lv

In case of medical and repatriation expenses insurance please contact Compensa assistance partner OPS LV SIA
Phone: +371 6755 8899
E-mail: luminor@ops24.eu

I need proof that I have travel insurance. How can I get it?

A certificate of Travel Insurance policy is issued by Luminor Bank. If you have any additional questions, please ask our Customer Support for help at info@luminor.lv or +371 6708 1887.

What should I do in the case of an insurance event?

In case of an insured event, please contact Compensa Vienna Insurance Group ADB Latvia branch or our 24/7 help desk:

  • Report the accident as soon as possible. Call Compensa 24/7 customer support desk phone number +371 6755 8899 or complete an application electronically on the home page eclaims.eu
  • Retain and submit all documents that confirm the place, time, other important circumstances of the insured event and the amount of loss (a certificate from a doctor, the police or the airport, cheques, bills and other documents)
  • If a payment guarantee of medical services or information about the availability of medical assistance is required, contact 24/7 help desk: OPS by phone +371 6755 8899 or e-mail luminor@ops24.eu
  • Claiming insurance provide name, surname, date of birth of the credit card holder and the first six and the last four digits of the credit card number

Where is the travel insurance valid? Is it valid across the world?

Travel insurance is valid for worldwide trips.

Who is insured?

Business cards come with travel insurance for the cardholder and two accompanying colleagues for up to 30-days trips in Europe.

What does the insurance cover if the luggage arrives at the travel destination/back home late or is lost altogether?

  • If the trip to the destination is delayed, then up to the insured sum
  • In the event of a delay coming home, there is no right to compensation
  • If your luggage is unfortunately lost, then up to the insured sum

How are the upper limits provided in the insurance terms and conditions applied?

Unless provided for differently in the terms and conditions, all insurance benefits listed in the insurance coverage table (which can be found in the insurance terms and conditions) apply to a single insured event and card.