Who is eligible for the travel insurance?

Luminor’s Visa Classic, Mastercard Credit and PINs 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 30-day-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 Visa Classic, Mastercard Credit or PINS card travel insurance include? What are the coverage limits and terms and conditions?

Below you can see what is covered by your card.

The 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)
in the case of one event
 
Medical expenses 65 000 €
Limit for expenses for purchasing medicines 500 €
Limit for medical transport 65 000 €
Limit for daily allowance 20 € (per day)
Limit for dental treatment expenses 500 €
Limit for medical transport to Country of Permanent Residence 65 000 €
Limit for medical aids 500 €
Limit for Repatriation in the event of an illness/death 65 000 €
Accident having led to a disability or death 15 000 €
Civil liability of a person 10 000 €
Legal aid 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. Feel free to contact them by calling +370 5 268 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 5 268 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 5 203 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 5 268 3222) or ERGO (asmenszalos@ergo.lt or +370 5 268 3222) for help.

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

The travel insurance is valid 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

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

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

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

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?

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?

FAQ. Cards