Who is eligible for the travel insurance?

Business cards come with travel insurance for the cardholder and two accompanying colleagues for trips in Europe up to 30 days, which makes your travels safe and convenient. It is not necessary for you to pay for travel expenses with the card for the insurance to be valid.

What does my Business card travel insurance include? What are the coverage limits and terms and conditions?

Below you can see what is covered by your Mastercard or Visa Business card.

Business card travel insurance covers you and up to two of your colleagues, but the coverage limit is split between all insured persons in the event of insured.

Insurance cover Maximum sum insured per credit card
Medical expenses, incl. 75 000 €
Medical transport 75 000 €
Medical transport in the Home Country 75 000 €
Repatriation in the event of illness/death 75 000 €
Dental expenses 500 €
Medical auxiliaries 500 €
Hospital allowance (per day) 20 €
Accident resulting in death or disability 30 000 €
Provide third-party liability 50 000 €
Legal assistance 1 000 €
Delay of luggage 600 €
from 4 to 12 hours 300 €
From 12 hours to 21 days 300 €
Loss or damage of luggage 500 €
Luggage theft 500 €
Delay or cancellation of a flight 500 €
Cancellation and interruption of travel 700 € (deductible 15%)
Delayed arrival to the initial destination of the Travel and missed transit 700 €
Insured’s replacement 1 000 €
accident.
 
Here you can find all travel insurance terms and conditions.

I have a question about the travel insurance terms and conditions. Whom should I turn to?

The insurance provider for Luminor cards is ERGO Insurance SE. ERGO Customer Service is at your disposal regarding questions related to insurance terms and conditions. Contact them by calling +371 6708 1887 or writing to claims@ergo.lv.

I need proof that I have travel insurance. How can I get it?

A certificate of Travel Insurance policy is issued by Luminor Bank. If you have any additional questions, please ask our Customer Support for help at info@luminor.lv or +371 6708 1887.

What should I do in the case of an insurance event?

In the event of a medical emergency, you or a travel companion should contact the medical assistance provider April Baltic at +371 6441 5242 or send an e-mail to luminor@ops24.eu.
In the case of an insurance event:

  • Retain all documents and expense receipts related to the insurance event
  • Upon your return/at the first opportunity, please fill in the claim notice form on the ERGO homepage: mansergo.lv.

If you have any additional questions, please turn to Luminor Customer Support (info@luminor.lv or +371 6708 1887) or ERGO (claims@ergo.lv or +371 6708 1887) for help.

Where is the travel insurance valid? Is it valid across the world?

Travel insurance is valid for trips in Europe.

Who is insured?

Business cards come with travel insurance for the cardholder and two accompanying colleagues for up to 30-days trips in Europe.

What does the insurance cover if the luggage arrives at the travel destination/back home late or is lost altogether?

  • If the trip to the destination is delayed, then up to the insured sum
  • In the event of a delay coming home, there is no right to compensation
  • If your luggage is unfortunately lost, then up to the insured sum

How are the upper limits provided in the insurance terms and conditions applied?

Unless provided for differently in the terms and conditions, all insurance benefits listed in the insurance coverage table (which can be found in the insurance terms and conditions) apply to a single insured event and card.