- Travel insurance cover applies to a cardholder and his/her family members travelling together
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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 and their family members (children (also, adopted children and foster children up to 21 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 insurance cover applies only after activation of a payment card
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A card can be activated in the following ways:
- by submitting a request at SEB Internet Bank to activate a payment card
- in SEB mobile app
- Travel insurance cover is acceptable in all countries, other than Lithuania and the countries of permanent residence
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Travel insurance cover is acceptable in all countries world-wide. Travel insurance cover applies during a trip abroad over a 30 or 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
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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
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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
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- 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
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- 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
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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 insurance amounts and limits apply to a cardholder for one year of insurance cover
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Travel abroad insurance period – one calendar year starting on 16 April 2021. 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
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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 at
