Who is eligible for the travel insurance?

Luminor’s Gold credit cards come with travel insurance for the whole family, which makes your travels safe and convenient.

It frees you from having to remember to purchase insurance when going on a trip, meaning that you can be carefree and take up last-minute offers. In addition to the cardholder, the insurance coverage extends to all family members travelling with them on up to 3-month-long trips abroad. It is not necessary for you to pay for travel expenses with the card for the insurance to be valid.

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

Below you can see what is covered by your Gold card travel insurance.

Gold travel insurance covers your whole family, but the coverage limit is split between all insured persons in the event of an insured accident.

Insurance risks and limits Sum insured, EUR
Medical expenses 300 000
Limit for medical transport to Country of Permanent Residence 300 000
Limit for medical transport 300 000
Limit for Repatriation in the event of an illness/death 300 000
Limit for dental treatment expenses 500
Limit for expenses for purchasing medicines 500
Limit for phone call expenses 50
Limit for daily allowance (per day) 20
Accident having led to a disability or death 50 000
Civil liability of a person 50 000
Legal aid 1000
Baggage delay 500
from 4 hours to 21 days 500
Baggage loss or damage 1000
Baggage theft 1000
Flight delay or cancellation 500
Trip cancellation or termination 1000 (Unconditional deductible 15%)
Travel delay and loss of connection insurance 1000

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 +370 5268 3222 or writing to asmenszalos@ergo.lt

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.lt or +370 5268 3222.

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 OPS LT, UAB at +370 5203 0055 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 mano.ergo.lt or send an e-mail to asmenszalos@ergo.lt.
If you have any additional questions, please turn to Luminor Customer Support (info@luminor.lt or +370 5268 3222) or ERGO (asmenszalos@ergo.lt or +370 5268 3222) for help.

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

Gold travel insurance is valid worldwide.

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

Who is insured? Only me or my family as well? Who is considered a family member?

Insurance is valid for cardholder and accompanying family members travelling together: your spouse/cohabiting partner and your children, stepchildren, adopted children and foster children up to 18 years old (included) or children aged 19-24 if they study full-time.

The family is travelling together, and the child turns 24 years old during the trip. Does their insurance coverage end automatically?

The insurance coverage ends when the child returns home. Please note that travel insurance extends to 19-24 year old children if they study full time.

Does the parent’s credit card provide insurance coverage to a child studying and living abroad for a year?

The insurance coverage is valid if the pupil/student is traveling with the cardholder or has their own additional card and the duration of the trip does not exceed 90 days.

How are the upper limits provided in the insurance terms and conditions applied? Which limits apply to the card and which to the family members travelling together?

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.

FAQ. Cards