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Foreign travel insurance

Foreign travel insurance

More time to get ready for a trip and less hassle

  • Travel abroad insurance is acceptable in all countries world-wide, other than Lithuania
  • Insurance cover applies to a cardholder and his/her family members travelling together
  • Insurance cover within a single trip applies up to a 90 calendar day’s period. The number of trips per year and time between trips are unlimited
  • Other insurance terms and conditions depend on the type of your credit card

All terms and conditions of foreign travel insurance applicable to our customers are available here.






Credit card type

Visa Classic
Mano Visa (credit)
MasterCard Standard

Insurance amounts and limits

Amount (EUR)

Amount (EUR)

Amount (EUR)

Amount (EUR)

Amount (EUR)

Medical and repatriation expenses

50,000

60,000

85,000

85,000

50,000

Accident insurance

15,000

25,000

25,000

25,000

25,000

Personal civil liability insurance

50,000

80,000

100,000

100,000

Travel delay insurance

500

600

800

500

Baggage delay insurance

500

600

800

500

Baggage loss, destruction or damage insurance

1,000

2,000

2,000

Travel cancellation insurance

500

600

800

500

Missed connection insurance

500

600

800

500

Travel non-occurrence or interruption insurance

2,000 
(deduction 20 %)

2,000 
(deduction 20 %)

Travel documents insurance

600

800

Sports activities and equipment insurance

600
(deduction 10 %)

800
(deduction 10 %)

Vehicle hijack insurance

600

2,000

 


For more detailed information about payment cards, their issuance and use terms as well as applicable fees please contact us 24/7 line at 1528 or visit a SEB bank unit of your choice.

Travel abroad insurance cover applies to a cardholder and his/her family members travelling together

Travel abroad insurance cover applies to holders of SEB Bank credit payment cards Visa Gold, Visa Platinum, MasterCard Standard, Mano Visa (credit) and all types of Visa Classic, other than Visa (consumer credit) and Visa Classic (debit) and their family members (children (also, adopted children and foster children up to 18 years of age) as well as a spouse or cohabiting partner or a partner in a consensual union and related through common household over no less than a one-year period).

Travel abroad insurance cover applies only after activation of a payment card

A card can be activated in the following ways:

  • • by submitting a request at SEB Internet Bank to activate a payment card (column “Accounts and cards“ → “Card list” – selecting the appropriate card icon)
    • at an ATM in Lithuania or abroad (by entering PIN code)
    • at any SEB Bank unit upon providing the payment card and personal ID document
Travel abroad insurance cover is acceptable in all countries, other than Lithuania and the countries of permanent residence

Travel abroad insurance cover is acceptable in all countries world-wide. Travel insurance cover applies during a trip abroad over a 90 calendar days’ period since the date on which a relevant cardholder crossed the state border of the Republic of Lithuania. The number of trips per year is unlimited. 

Cardholders should consider recommendations of the Ministry of Foreign Affairs of the Republic of Lithuania regarding countries that are not recommended for travellers (www.urm.lt), as in such countries travel insurance cover may be not applicable or be limited due to non-insured events (e.g., military type activities, terrorist acts, etc.).

Travel abroad insurance cover does not entitle to a visa issuance or a permit to enter the territory of a foreign state

Though insurance cover is valid, travel abroad insurance does not grant the right to an institution of a foreign state to issue a visa or to give permission for entering the territory of a foreign state. Some foreign states (e.g., Belarus, Russia) may have additional requirements applied to persons entering their state territory, therefore, before travelling abroad it is advisable to look through the information about the required documents. For certifications regarding validity of insurance cover please turn to your nearest SEB Bank unit.

Persons with travel abroad insurance cover are not compensated expenses for the necessary medical aid services in European countries, if such expenses are completely or partially compensated by the Compulsory Health Insurance Fund

The insured person must exercise his/her right to be paid compensation for the necessary medical aid from the Compulsory Health Insurance Fund, therefore, when travelling to the EU countries, Lichtenstein, Norway, Iceland and Switzerland, he or she must have the European Health Insurance Card (EHIC), which evidences that the persons has the compulsory health insurance cover (more detailed information is available at www.vlk.lt). In case of failure to exercise this right, insurance company may reduce the insurance benefit in an amount that otherwise would have been compensated.

Travel abroad insurance cover restrictions due to the insured person’s age and activities
  • In case of insured persons over 75 years of age, medical and repatriation costs insurance, personal accident insurance and travel cancellation or interruption insurance does not apply, if a travel has been cancelled or interrupted as a result of the insured person’s ill health.
  • Travel abroad insurance cover does not apply to insured persons on military service, participating in a war and military actions, in peacekeeping missions
  • Travel abroad insurance cover does not apply to drivers of land vehicles that transport passengers and/or cargo at a remuneration in any form or amount, also during the time of work,  breaks, daily and weekly rest periods of such drivers
  • Medical and repatriation costs insurance and personal accident insurance does not apply, if the insured event occurs in a country, in which the insured person is engaged in physical work (construction, agricultural, forest management, timber, metal processing, physical security, warehousing, road and bridge construction and similar physical work)
Non-insured events that are not covered by travel abroad insurance are events in case of occurrence whereof no insurance benefit is paid
  • Events influenced by the insured person’s use of alcohol, drugs or any other toxic or psychotropic substances or potent medications used for intoxication purposes 
  • Events resulting from participation in officially arranged sports competitions and trainings
  • Events that occur when the insured person is using or piloting an air vehicle without a motor
  • Events influenced by the insured person’s criminal offence, intentional injury, suicide or attempted suicide
  • Treatment in connection with pregnancy, termination of pregnancy, childbirth, postpartum illnesses, other than costs of the necessary medical care in case of pregnancy complications
  • Treatment of chronical and congenital diseases or their complications and diseases
  • Events occurrence whereof has been influenced by engagement in higher-risk and extreme leisure-time sports (diving in depths more than 30 metres, mountain climbing, sky-diving and power kiting, parachute jumping,  bungee jumping, skiing off-piste
  • Cases, when travel changes (e.g., travel delay, cancellation, missed connection, non-occurrence, baggage delay) occur as a result of any state institution’s decision, through the fault or bankruptcy of a tour operator or carrier
  • Loss or damage of some baggage items (e.g., jewellery, money, securities, tickets, documents, electronic, computer and video equipment, software, mobile phones, products of fur, works of art, musical instruments, antiques, medications, animals, food products, weapons) 
  • Cases when the insured person does not fulfil his or her obligations

Detailed list of non-insured events is available at:

Description of Financial Loss Insurance when Travelling Abroad (PDF, 245 KB)

Rules for Financial Loss Insurance when Travelling Abroad No. 061 (PDF, 635 KB)

Travel abroad insurance benefit is paid according to one payment card

Insurance cover for the insured person is applied and insurance benefit is paid only according to one payment card – the one that offers the largest insurance cover.

The insured person is entitled, in connection with one event sustained, to be paid one insurance benefit, irrespective of the number of his/her payment cards that offer insurance.   

Also, the insured person must inform about his or her payment cards issued by other banks, holders whereof are entitled to travel insurance cover, or about other agreements concluded for the insurance of the same risk types, as in case of occurrence of an insured event the insurance benefit is paid by each insurance company proportionately without exceeding the total amount of claim.

Travel abroad insurance amounts and limits apply to a cardholder for one year of insurance cover

Travel abroad insurance period – one calendar year starting on 1 February 2016. Every year this insurance cover period is extended automatically. Insurance amounts and limits are a maximum amount of money that may be disbursed within the insurance period for all insured persons according to one payment card.

To be paid travel abroad insurance benefit in connection with travel changes (delays, cancellations, missed connections) or baggage delay, loss or damage, one should turn to the carrier or tour operator regarding compensation of costs

In case of occurrence of an insured event as provided for in the insurance rules – in case of travel delay, travel cancellation, missed connection, baggage delay and baggage loss, destruction or damage, the insured person must immediately or within the time limit set for filing a claim (if not time limit is set – within 7 calendar days) turn to the carrier, tour operator, travel agency, agent or a person authorised by the agent and submit his or her written claim for compensation of his/her travel costs.

The insurer becomes entitled to claim from the carrier or tour operator compensation of benefits paid to the insured person.


For more detailed information about payment cards, their issuance and use terms as well as applicable fees please contact us 24/7 line at 1528 or visit a SEB bank unit of your choice.

 

In case of occurrence of an insured event, one should turn to ERGO Insurance SE, Lithuanian Branch or to its assistance partner

ERGO Insurance SE, Lithuanian Branch, Call Centre

Tel. 1887
Tel.: (for calls from abroad) + 370 5 2683 222
Notification form at ERGO Insurance SE, Lithuanian Branch website
E-mail:

Only in case of medical and repatriation expenses insurance – assistance partner Euro-Center Prague

Tel. +420 221 860 622
E-mail:


Important. If the amount of expenses is EUR 250 or less, to be paid one’s insurance benefit it is sufficient to provide document copies. If the amount of expenses exceeds EUR 250, it is necessary to provide original copies of documents.

Travel documentary evidence (e.g., travel tickets bearing the traveller’s name, statement of a bank account, tour operator’s confirmation/agreements, etc.) may in all cases be provided as copies.  Original copies may be required at the insurer’s separate request.

Documents and deadlines for the registration of an insured event (PDF, 49 KB, in Lithuanian)

 


For more detailed information about payment cards, their issuance and use terms as well as applicable fees please contact us 24/7 line at 1528 or visit a SEB bank unit of your choice.

The main terms and conditions for travel abroad insurance are available in the Description of Special Terms and Conditions Applied to SEB Cardholders, which contains key information.

Description of Special Terms and Conditions of Financial Loss Insurance when Travelling Abroad (PDF, 245 KB)

All general travel abroad insurance terms and conditions in detail are provided in the Rules.

Rules for Financial Loss Insurance when Travelling Abroad No. 061 (PDF, 635 KB)

 


For more detailed information about payment cards, their issuance and use terms as well as applicable fees please contact us 24/7 line at 1528 or visit a SEB bank unit of your choice.

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