What to do in case of an insured event?
Report the accident as soon as possible by completing the online application at eclaims.eu or call the Compensa 24/7 customer support desk +371 6 755 8899.
Easy-going holidays with Luminor Black travel insurance
Easy-going holidays with Luminor Black travel insurance
- For you, your partner and your family
- Covers travelling all over the world, including local trips
- Sport activities included
Last-minute trip or long waited vacation – with Luminor Black card Travel Insurance you and your family is always covered
You and your family is protected
Who is family? Your children (students up to the age of 24), spouse or cohabiting partner (having a joint household with the Cardholder for at least a year) who travel together with the cardholder.
Applies all over the world
Insurance covers all trips abroad if it lasts up to 3 months as well as for travels in Latvia if the stay takes place in a accommodations and the travel destination is further than 50 km from your home.
Get rest or do sports
Relax on the beach, ski in the mountains – we will take care.
Travel insurance comes together with Luminor Black card. It does not matter if you use the card as debit or credit card, the insurance and other benefits still apply.
Luminor Black card Travel insurance covers
Medical expenses up to € 300 000
| Service | Limit |
|---|---|
| Hospital daily allowance (per day) | € 20 per day |
| Dental expenses | € 500 |
| Medical aids | € 500 |
| Repatriation (including coffin costs) | Up to the Medical Expenses Risk Limit |
| Rescue costs | Up to the Medical Expenses Risk Limit |
| Medical transport in the country of residence | Up to the Medical Expenses Risk Limit |
| Medical transport | Up to the Medical Expenses Risk Limit |
| Accompanying staff | Up to the Medical Expenses Risk Limit |
| Medical transport during the Trip in the Country of residence | € 5 000 |
| Repatriation in case of death during the Trip in the Country of residence | € 5 000 |
| COVID-19 expenses | € 10 000 |
| Replacement of the insured (Transport and accommodation costs) | not included |
| Telephone expenses | € 50 |
| Subsistence expenses for a family member (Transport and accommodation costs) | Per person up to 5 days |
| Accident involving disability or death (Maximum compensation for all persons together) | € 50 000 |
| Accident during the trip in the country of residence with the occurrence of disability or death (Maximum compensation for all persons combined) | € 15 000 |
Lost or damaged luggage insurance
| Service | Limit |
|---|---|
| Loss of checked baggage 4 hours < 21 days. Actual costs reimbursed | € 500 |
| Loss of checked baggage > 21 days. Actual costs reimbursed | € 1 000 |
| Damage to luggage | € 1 000 |
Flight delay, trip cancelation or missed arrival
| Service | Limit |
|---|---|
| Flight delay 4 hours < 12 hours. Actual costs reimbursed | € 500 |
| Cancellation, interruption of the trip (deductible 15%) | € 1 000 |
| Cancellation/interruption of the trip due to natural disasters (deductible 15%) | not included |
| Missed arrival at the starting point of the Trip and missed transit | € 1 000 |
Private civil liability up to € 50 000
| Service | Limit |
|---|---|
| Legal aid | € 1 000 |
Customers already travelling with Luminor Black insurance
“We were on our vacation in Italy when my child got a toothache. We thought our holiday was out the window, but we were lucky to have our Luminor Black insurance – it covered the entire €360 bill at the local dentist. Our trip was saved!” Ieva B.“I was on a sea-side holiday in Palanga when I took a nasty fall and broke my leg. I couldn’t drive. The Luminor Black travel insurance not only refunded all my medical and pharmacy expenses, but also covered the €300 from my taxi drive home.” Tomass R.
“We were on a bike trip with friends in Mallorca and I was unlucky to get into an accident that caused damage to a local store. The Luminor Black insurance covered the medical costs as well as the store damages.” Roberts T.
Useful links
Terms and Conditions
Insurance product information document in Latvian
Frequently asked questions
Enjoy your travel without worries
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