Travel insurance in the Baltics

Insure yourself against unnecessary expenses

The Baltics are known for their beautiful architecture, delicious cuisine, picturesque nature and color. This region includes several countries - Lithuania, Latvia and Estonia. There are many reasons to go to one or more countries in the region. Riga is the real heart of Latvia, you should definitely visit the old city, which is located in the very center. The medieval architecture will not leave anyone indifferent. If you want to relax to the maximum, then you should definitely go to Tallinn, there are many health spa centers. However, before going to Vilnius or another city in the Baltics, you need to purchase insurance.

Features of travel insurance for the Baltic countries

Lithuania, Latvia, Estonia are countries that are part of the Schengen zone. For this reason, to travel to any of these countries, you need to buy insurance. The minimum amount of coverage is 30 thousand euros. The policy must be valid for the entire period of stay abroad.

As a standard, a travel policy covers the costs of emergency medical care and transportation to your homeland. This means that if something happens to you, Lithuanian, Estonian or Latvian doctors will provide you with first aid. In fact, this significantly saves money, because medical services in Europe are expensive, and every citizen of the country has a mandatory medical policy that covers them.

Main types of policies and insurance risks

Travel insurance provides for a different set of insurance risks and additional options. Depending on the costs and risks covered, the following types of insurance programs are distinguished:

• A. Includes transportation of the victim to the hospital and covers expenses in the event of an accident or sudden illness.
• B. The above risks include emergency dental care in case of severe pain. The costs of medications prescribed by a doctor are also covered. In addition, this program may provide for legal assistance and the arrival of a relative to help the patient in particularly difficult cases.
• C. Legal and administrative assistance is added (return of luggage, registration of new documents in case of their loss).
• D. In addition to all options, assistance in case of vehicle breakdown or driver illness is added.

Type A insurance is mandatory for registration for a trip to the Baltic countries. Additional options are included at the request of the insured.

Additional options - additional protection

In addition to mandatory insurance risks, many insurance companies offer to include additional options in the policy. Often, tourists are offered different types of programs - minimal, partial and full. Depending on the number of additional options, the cost also changes. The more insured events you include, the more expensive the insurance will be, but at the same time you become more protected. Additional options may include the following insured events:

• Accident.
• Delay or cancellation of the flight.
• Loss of documents.
• Loss of luggage.
• Providing legal assistance.

Practice shows that during trips, many tourists face not only health problems, but also other insurance risks. For example, loss of luggage is quite common.

Since the distance between Kyiv and Riga is over 1000 kilometers, many tourists prefer to cover this distance by plane. It is quite common for luggage to be lost at the airport. You can read many reviews of policyholders who were helped out in these cases by insurance. If luggage is lost, they contact the insurer, and he compensates for the losses within the insurance amount. Thanks to this amount, you can buy yourself essentials until your luggage is found. Thus, you can avoid unplanned expenses during the trip.

How much does it cost to get insurance before a trip

The price of travel insurance in the Baltics depends on the degree of insurance protection during the trip. The standard policy costs the least, since it only covers the costs of emergency medical care and transportation to the hospital. The more additional options are included in the policy, the higher its cost.

For active recreation and sports, the prices are slightly higher due to the fact that the risk of injury increases. To calculate the approximate cost of the policy, a calculator is available on the site. The process takes a few seconds, you are only required to fill in all the fields. Moreover, you can order travel insurance in the Baltics online, without leaving your home.