Platinum credit cards come with travel insurance for the whole family, which makes your travels safe and convenient.
It frees you from having to remember to purchase insurance when going on a trip, meaning that you can be carefree and take up last-minute offers. In addition to the cardholder, the insurance coverage extends to all family members travelling with them on up to 3-month-long trips abroad. It is not necessary for you to pay for travel expenses with the card for the insurance to be valid.
Below you can see what is covered by your Platinum card travel insurance.
Platinum travel insurance covers your whole family and the coverage limit is valid for all insured persons in the event of an insured accident and is not split between them.
| Insurance cover | Maximum sum insured per person |
|---|---|
| Medical expenses, incl. | 500 000 € |
| Medical transport | 500 000 € |
| Medical transport in the Home Country | 500 000 € |
| Repatriation in the event of illness/death | 500 000 € |
| Dental expenses | 500 € |
| Medical auxiliaries | 500 € |
| Phone-call expenses | 50 € |
| Hospital allowance (per day) | 20 € |
| Accident resulting in death or disability | 60 000 € |
| Provide third-party liability | 100 000 € |
| Legal assistance | 1 000 € |
| Delay of luggage | 750 € |
| Loss or damage of luggage | 2 000 € |
| Luggage theft | 2 000 € |
| Delay or cancellation of a flight | 750 € |
| Cancellation and interruption of travel | 2 000 € (deductible 15%) |
| Delayed arrival to the initial destination of the Travel and missed transit | 2 000 € |
The insurance provider for Luminor cards is ERGO Insurance SE. ERGO Customer Service is at your disposal regarding questions related to insurance terms and conditions. Contact them by calling +371 6708 1887 or writing to claims@ergo.lv.
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.
In the event of a medical emergency, you or a travel companion should contact the medical assistance provider April Baltic at +371 6441 5242 or send an e-mail to luminor@ops24.eu.
In the case of an insurance event:
If you have any additional questions, please turn to Luminor Customer Support (info@luminor.lv or +371 6708 1887) or ERGO (claims@ergo.lv or +371 6708 1887) for help.
Platinum travel insurance is valid worldwide.
Insurance is valid for cardholder and accompanying family members travelling together: your spouse/cohabiting partner and your children, stepchildren, adopted children and foster children up to 18 years old (included) or children aged 19-24 if they study full-time.
The insurance coverage ends when the child returns home. Please note that travel insurance extends to 19-24 year old children if they study full time.
The insurance coverage is valid if the pupil/student is traveling with the cardholder or has their own additional card and the duration of the trip does not exceed 90 days.
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.
