Business Trip and Travel Insurance

Our advantages:

• We offer individual approach to each client by assessing the needs of the particular enterprise, developing an appropriate offer, conditions and discounts;
• We offer the widest range of travel insurance programs, including specially designed programs for truckers and manual workers who go to work abroad;
• BTA is the only Latvian insurance company that has its own travel support service. By calling the BTA Travel Support Service at any time of the day, the customer will receive the most competent and detailed consultation in his/her native language about the travel insurance;
• BTA is the only non-life insurance company in Latvia, which compensates, under certain programs, the expenses due to a terrorist act occurring in the territory of Europe not only for medical expenses, but also for cancellation of the trip and travel interruption.

When choosing a Travel Insurance programme, you should take into account the potential risk probability in your destination. Programmes with a broader coverage of risks provide larger sums insured for each of the risks included in the programmes, therefore, going further abroad, we recommend you to choose a programme with a broader risk coverage. To find detailed information about each of the risks included in the policy, read the Terms and Conditions of the BTA Travel Insurance.

Basic risks:
Medical expenses	Insurance covers the expenses associated with the provision of emergency medical assistance abroad, in case an accident or a sudden illness has occurred during the trip, including emergency medical aid, costs of purchasing drugs prescribed by the doctor, emergency surgery and medical procedures, as well as expenses transportation to the hospital (in emergency cases also including the use of medical helicopter services). If the client is hospitalized due to a sudden illness or a personal accident, and cannot return to the domicile country in the scheduled time, the cost of purchasing new tickets or changing tickets will be reimbursed. Insurance also covers the costs of phone calls, made to contact BTA or BTA cooperation partners regarding purchasing or lease of the temporarily necessary medical aids, transportation costs for taking a minor child to the domicile country, when the client is hospitalized. Only for Gold and VIP programme members, losses incurred as a result of a terrorist act in the territory of Europe will be reimbursed.
Urgent dentistry	According to the sum indicated in the Insurance Agreement, covers expenses for the purchase of painkillers, temporary measures of dental treatment (x-ray, medications, temporary tooth fillings or tooth extraction).
Repatriation	Transportation of the mortal remains to the domicile country. Coordinating in writing, the repatriation expenses can be replaced by burial expenses abroad, including coffin costs.
Medical evacuation	Covers expenses for transportation prescribed by a doctor from the hospital abroad to a hospital in the country of domicile.
Expenses of a person accompanying the injured person	In case of necessity, insurance also covers the expenses of medical staff, when returning to the domicile – medical evacuation – cannot be accomplished without attendance of a doctor or a nurse. With doctor’s permission, the health care worker may be replaced by a family member, traveling with the client.
Loss or theft of passport or ID-card	According to the sum indicated in the Insurance Agreement,  covers transportation, accommodation costs (hotel, food) incurred due to renewal of passport or ID-card abroad, as well as telephone conversations related to the renewal of the passport or ID-card.
Accident resulting in mutilation or death	If the accident results in death or mutilations, indemnity  will be paid according to the sum indicated in the Insurance Agreement.
Cancellation of travel	In case of a sudden severe illness, occurrence of a personal accident and other cases specified in the insurance contract, which disable you from going on a scheduled trip, to a certain amount will be reimbursed the expenses for travel vouchers, purchased tickets, paid hotel. Only to Gold and VIP programme members, losses will also be compensated, in case the primary goal of the trip has been a visit of an open public concert, which has got cancelled. Also only to Gold and VIP programme members, losses will be compensated, in case going on the scheduled trip has become improbable due to occurrence of a terrorist act at the point of travel destination in Europe.
Loss, theft, damage or destruction of luggage	If due to the fault of the carrier, the luggage is lost or stolen, indemnity is paid according to the actual value of the luggage; if the luggage is damaged, indemnity covers the costs for the repair or, if the repair is not possible, indemnity is paid according to the actual value of the luggage.
Luggage delay	Covers purchase of basic necessities and hygiene products, as well as clothing appropriate for local climate; in case of delay of sports equipment, indemnity covers the rent of the sports equipment.
Theft of luggage with Customer’s belongings	At a certain amount covers expenses for purchase of basic necessities and objects that replace the units of the stolen luggage.
Civil liability	At a certain amount covers losses caused by the Customer to a third party's health, life or property, as well as the costs of court proceedings.
Loss, theft or damage of sports equipment	If due to the fault of the carrier, sports equipment is lost or stolen, indemnity is paid according to the actual value of the sporting equipment; if the sports equipment is damaged, indemnity covers the costs for the repair or, if the repair is not possible, indemnity is paid according to the actual value of the sports inventory.
Legal assistance	Covers expenses for legal assistance if the Customer inadvertently has not complied with national traditions and accepted norms of behaviour, or has unintentionally violated laws regulations, thus causing losses to a third party.
Delay, cancellation of flight, denied boarding	Insurance covers the expenses for meals, hotel services, transfer, for ticket reprocessing or purchasing a new one, expenses for staying at a hotel at an intermediate point of the trip, for failure to arrive at the hotel booked at the travel destination, in case a delayed flight results in missing a land, water or air vehicle that was to be used at that trip.
Missed flight because of a road traffic accident	Covers expenses for the purchase of new tickets and hotel expenses, if you cannot manage to arrive timely at the booked and paid hotel.
Medical expenses in country of permanent domicile	If, after returning to the country of domicile, the treatment needs to be continued, the insurance covers expenses for medical and rehabilitation services, including costs for hospital treatment for up to 14 days, X-ray diagnostics and operations, purchase of medications and bandaging materials, as well as agreed rehabilitation procedures.
Replacement of the Customer	In case the customer get into hospital during travel, is evacuated or repatriated, and the employer, in order to have the customer’s professional duties abroad continued, faces a necessity to replace the customer by another person, the travel expenses of that replacing person will be refunded.
Interruption of travel	If due to occurrence of a family member’s death or hospitalization because of cardiac infarction or stroke the customer needs to interrupt the trip, insurance covers the expenses for reprocessing of tickets or purchasing new tickets, as well as losses arising from booked but unused hotel services. Only for Gold and VIP programme members, insurance will reimburse for losses incurred as a result of inability to proceed with the scheduled travel due to a terrorist act at the travel destination, which is within the territory of Europe.
Expenses for arrival of a relative in exceptional cases	In case the customer has to stay at a hospital due to an injury or illness during the trip, and may not be transported to the domicile country, insurance will cover the expenses for travelling to and from to one family member to arrive to the hospitalized customer, as well as for the relative’s stay at a hotel.
Theft of sports equipment while at Customer’s disposal	Covers expenses according to the actual value of the sports equipment.
Breakage, damage of sports equipment in case of an accident	Covers losses according to the sum insured indicated in the policy.

Travel Insurance policy is valid in the specified territory outside the Republic of Latvia. You can obtain the Travel Insurance policy indicating the following operating areas:

• Russian Federation or Belarus,
• Europe (all European countries, including Turkey, Tunisia, Egypt, Israel, Crete, Cyprus, Canary Islands, Armenia, Georgia, Azerbaijan),
• The whole world. 

You can purchase your travel insurance policy depending on the length of your planned trip or travel with a duration ranging from one day to 365 days.

If you have regular business trips, we offer to purchase a Travel insurance policy with the duration of one year, which will ensure protection of all trips during the year. In this case, you can indicate the maximum duration of each journey. Upon your choice, maximum duration of one trip may be 30, 60 or 90 days.

In case there might be a number of employees that would need to go on business trip and not always you know exactly – who in particular will it be, we offer to purchase a policy not indicating exact persons, instead insuring only a certain number of days to be used as needed.

You can purchase the travel insurance policy in the following ways:

• The most comfortable and easiest way is to buy it online. Filling the electronic form within a few minutes, you can choose the risks that you want to include in the Travel Insurance cover; besides you can easily pay with a credit or debit card. It is more advisable to buy the Travel Insurance policy online, as you then get a 15% discount;
• If you fill the application form on the website of BTA, a representative of BTA will contact you finding out detailed information, prepare the insurance proposal and send it to your e-mail address;
• You can call the BTA Customer Support Service at 26 12 12 12. During the call, it is also possible to pay for the insurance policy;
• You can visit the BTA Customer Support Service;
• You can contact BTA agents, insurance brokers;
• You can turn to our partners in travel agencies. 

EHIC, i.e. European Health Insurance Card, is a document common for all European Union and European Economic Area countries (Iceland, Norway, Liechtenstein) and the Swiss Confederation, which entitles citizens of these countries to receive state-funded emergency and necessary health care to the extent ensured for inhabitants of each relevant country. The EHIC can be used in foreign clinics that are members of the National Sickness Fund and that have accepted the usage of the EHIC. Therefore, before seeking medical care abroad, we recommend you to inquire in advance whether the relevant clinic accepts the EHIC.

All residents of the Republic of Latvia may receive the EHIC card for free, therefore, when traveling abroad, be sure to obtain the EHIC card. For more information about the possibilities of receiving the EHIC card, visit the website of the National Health Service.

Why do you need BTA Travel insurance if you have the EHIC card?

• The EHIC card does not cover the costs and fees for client’s transportation, repatriation, emergency/ rescue services, which can amount to very significant expenses.
• Even in the case when the client enters a foreign clinic that accepts the EHIC, the customer will be charged to pay the fees mandatory in the relevant country. Although in Latvia patient fees are relatively low, in Europe they can be even more than 10 times higher.
• When using the EHIC, the foreign clinic receives the payment from the Latvian State budget within two years, therefore in most cases private clinics, including dentists and ski resort clinics, refuse to accept the EHIC.
• The EHIC card does not provide protection against other risks which may occur during traveling or foreign trips.

An example showing the necessity for the EHIC and Travel Insurance: 

State of health of a resident of Latvia suddenly deteriorated while visiting a country in the European Union. As a result, the woman was placed in a clinic. When her health condition slightly improved and it was possible to evacuate her to her country of origin, the bill for medical services amounted to EUR 24 000.

Given that the Latvian resident had the EHIC, she did not have to pay the entire amount from her own personal funds. The EHIC covered 75% (EUR 18 000) of the medical expenses, the remaining 25% (6 000 EUR) would have to be covered by the woman herself, if she had not had the BTA travel insurance policy. Medical evacuation costs that were not covered by the EHIC amounted to EUR 4 300.

If the woman, additionally to the security provided by the EHIC, had not purchased the BTA Travel insurance, she would have to pay EUR 10 300 for the medical services received in the foreign clinic and medical evacuation to Latvia from her own personal funds. In this case, this amount was covered by BTA.

Before going abroad, we suggest you to:

1. Get to know if the particular country does not require an entry visa;
2. Make sure that your passport is valid for the entire journey. Some countries have established that the passport must be valid for at least another three or even six months after the closing date of the planned trip, so we suggest you to contact with the embassy of the relevant country in order to clarify the requirements relating to the travel documents;
3. Get acquainted with the information available on the website of the Ministry of Foreign Affairs of the Republic of Latvia, including alerts on countries facing risks of war or other types of hazards;
4. Register in the Consular Register before going abroad, so that, in case of crises such as natural disasters, political unrest, war, representatives of the Consular Department of the Ministry of Foreign Affairs of the Republic of Latvia could contact you and, if necessary, provide possible assistance;
5. When planning a trip to exotic countries or countries where there is a risk of infection with yellow fever, cholera, hepatitis A and B or other dangerous diseases, be sure to consult with physicians in a timely manner to know if it is not necessary to be vaccinated. Information on vaccination is available on the website of the Infectology Centre of Latvia;
6. Find out what can and cannot be carried in your luggage when traveling within the European Union and outside the European Union. Information can be found on the website of the State Revenue Service;
7. If you plan to travel by plane, find out in advance what are your rights to request indemnity and assistance from the airline if the flight is cancelled or delayed, if the boarding it is denied or if the luggage is damaged or lost. You will find information on the website of the Service for the Protection of Consumer Rights.

In case of an accident abroad, take the following measures.

1. Call the BTA’s 24/7 Travel Support Service:
   • (+371) 22 00 22 64
   • (+371) 26 12 12 12
     We will provide operative assistance and consultation on what to do in the specific situation.
2. In case of a sudden disease or accident in one of the following countries, you can call our partners in the specific country:
   • Turkey*: (+90 242) 310 44 44
   • Egypt*: (+20 122) 104 27 43
   • Greece: (+30) 28970 41 777
   • Bulgaria: (+359) 529 198 27
   • Thailand, Bali and other Asian countries: (+7) 495 989 11 20
   • Ukraine, Moldova: (+38 050) 842 03 03
   • Belarus: (+375) 29 103 64 24
   • Russian Federation: (+7) 495 989 11 20 
     
     * If you are in Turkey or Egypt, in order to avoid possible problems, ask for medical assistance only in our contractual organisations.
      
3. By calling the indicated telephone numbers, our employees or partners will help to arrange the formalities associated with medical institutions, will provide a written guarantee of payment of medical services, so you do not have to spend your own personal financial resources; they will also help to solve a variety of other issues.
4. If you have had to pay for medical services or any other case of insurance included in the Travel Insurance Policy from your own personal funds, be sure to keep documents certifying such payments (checks, registered receipts). Besides, be sure to keeps other documents justifying the indemnity claim: medical statements, certificate issued by airline about luggage delay, damage or loss, documents issued by law enforcement bodies, etc. A detailed list of documents to be submitted can be found in the Travel Insurance Terms and Conditions or your policy.
5. Upon your return to Latvia, please contact the BTA’s Customer Support Service as soon as possible by calling 26 12 12 12, in order to register the case of insurance.

If you wish to obtain additional information on the Business Trip and Travel Insurance or its purchase, contact the BTA Customer Support Service at 26 12 12 12 or in any other of the most convenient forms of communication. Other possible means of communication can be found in the “Contacts” section.

	PDF	E-doc*
Travel insurance terms and conditions
Terms and Conditions No 15-1 (the wording applies to policies issued starting from 09.05.2016)
Terms and Conditions No 15 (the wording applies to policies issued starting from 20.12.2011)
General insurance terms and conditions
Terms and Conditions No 3 (the wording applies to policies issued starting from 13.12.2011)
Terms and Conditions No 2 (the wording applies to policies issued starting from 07.06.2011)

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