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.
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 € |
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.
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.
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:
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.
Travel insurance is valid for trips in Europe.
Business cards come with travel insurance for the cardholder and two accompanying colleagues for up to 30-days trips in Europe.
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.
