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Your travels are insured with our credit cards
One of the benefits provided by SEB credit cards is travel insurance without additional fees and applications.
The insurance coverage depends on the type of your credit card.
Valid worldwide, except Russia, Belarus, Ukraine and Israel
All trips that don’t exceed 90 days are insured
It’s not mandatory to cover all costs with the credit card
Insurance coverage
Insurance term
Travel insurance provided by SEB credit cards is valid as long as your credit card remains activated. All your trips during the year are insured, provided that the duration of a single trip does not exceed 90 days.
The insurance comes into force as soon as you cross the border of your home country.
If the credit card is closed and not renewed or replaced, the insurance coverage is no longer valid.
Insurance product information document (PDF, LAT)
Travel insurance Terms and conditions No. CA-20251 (PDF, LAT)
General Terms and conditions of personal insurance No. 002 (PDF, LAT)
Insurance territory
The insurance is valid worldwide, except for Russia, Belarus, Ukraine and Israel.
The insurance is valid even if the purchase of flight tickets or hotel reservation was not made with a credit card.
Select your ideal travel insurance with your credit card
Scroll the table horizontally, in order to see more information on different service plans.
Service name | 
Standard | 
Premium | 
World Elite | 
Business |
|---|---|---|---|---|
| Actions | ||||
| Insured risks | Sums insured, EUR | |||
| Medical assistance | 100 000 | 1 000 000 | 1 000 000 | 200 000 |
| Dental expenses | 500 | 500 | 1500 | 500 |
| Disability | 10 000 | 10 000 | 40 000 | 10 000 |
| Death | 10 000 | 10 000 | 20 000 | 10 000 |
| Luggage insurance | ||||
| Loss of luggage during due to fault of carrier | 500 | 1 500 | 2 000 | 1 000 |
| Damage of luggage due to fault of carrier | 500 | 1 500 | 1 000 | 1 000 |
| Luggage delay | 250 | 750 | 1 000 | 500 |
| Theft of personal belongings | 500 | 1 500 | 2 000 | 1 000 |
| Travel changes | Not included | 1 000* | Not included | 150 |
| Trip cancellation | Not included | 1 000 | 5 000 | Not included |
| Trip termination | Not included | 1 000 | 1 500 | Not included |
| Trip delay | Not included | 1 000 | 1 500 | Not included |
| Missed connected flight | Not included | 1 000 | 2 000 | Not included |
| Flight delay of at least four hours | Not included | 1 000 | 1 000 | Not included |
| Expenses for alternative transport to return to home country due to natural disaster | Not included | 1 000 | 2 000 | Not included |
| Legal assistance | 10 000 | 10 000 | 10 000 | 10 000 |
| Lawyer’s services in case of a traffic accident | Not included | Not included | 2 000 | Not included |
| Civil liability insurance | 10 000 | 10 000 | 75 000 | 10 000 |
| Bail in case of a traffic accident | Not included | Not included | 5 000 | Not included |
| Recovery of personal identity documents | Not included | Not included | 1 000 | Not included |
| Theft of cash | Not included | Not included | 500 | Not included |
| Winter sport’s coverage | Not included | Not included | Not included | Not included |
| Closing of a piste due to storm, avalanche or excessive snow | Not included | Not included | 300 | Not included |
| Theft or damage of sports inventory | Not included | Not included | 300 | Not included |
| Car rental safety | Not included | Not included | Not included | Not included |
| Rental car deductible insurance | Not included | Not included | 2 000 | Not included |
| High risk activities | Not included | Not included | High risk activities in accordance with the Travel insurance terms and conditions. | Not included |
| Insured persons | Natural person under 85 years old who holds a Standard credit card issued by the Policy Holder. | Natural person under 85 years old who holds a Premium credit card issued by the Policy Holder. When travelling with the cardholder, insurance cover also applies to the cardholder’s spouse and children up to the age of 18 and/or 21, if they are studying and unmarried. | Natural person under 85 years old who holds a World Elite credit card issued by the Policy. Holder. When travelling with the cardholder, insurance cover also applies to the cardholder’s spouse and children up to the age of 18 and/or 24, if they are studying and unmarried. | Natural persons under 85 years old who hold Business credit card, as well as no more than two business colleagues traveling with them. All travelers must have the same departure and return times, the same destination, hotel and transport. |
| Travel duration | 90 days | |||
| Territorial coverage | Worldwide, except Russia, Belarus, Ukraine and Israel | |||
| Insurance certificate and coverage | Insurance certificate and coverage (PDF) | Insurance certificate and coverage (PDF) | Insurance certificate and coverage (PDF) | Insurance certificate and coverage (PDF) |
Insurance is not valid for paid physical work.
*Total sum insured is 1000 EUR. Therefore, if multiple insured risks of Travel changes occur at once, the combined payout cannot exceed 1000 EUR.
What to do in case of an insurance event?
- In case of an accident, please contact the insurer 24/7 by calling at +371 66888833 (for calls from the US +1954 370 6404).
- You can submit an application for indemnity 24/7 on the webpage if.lv or by calling If Insurance at +371 67338333.
- If you require medical help due to sudden illness, trauma or acute toothache, visit the nearest medical facility or contact the local emergency medical service if the situation is urgent.
- If you require transportation to your home country doe to a trauma or illness, please contact If Insurance.
- If an insured person dies during the trip, please immediately contact If Insurance.
- If damage to health, life of property of a third party is caused during the trip, for example, if you collide with another skier who needs medical help afterwards, please immediately contact If Insurance. Be sure to take care of the documents related to accident, including a written document by the injured party or its representative about the damages caused. Afterwards apply for indemnity.
- If you need legal help during the trip, please immediately contact If Insurance. When you return to your home country, apply for indemnity.
- If at the travel’s destination you notice that your luggage is damaged, ask the carrier for a proof about the damaged luggage. To apply for indemnity, you need to keep the damaged luggage, as well as provide pictures of it. When you return to your home country, apply for indemnity.
- If the delivery of your luggage is delayed for more than 4 hours in the travel’s destination due to the fault of the carrier, ask the carrier for a proof about the delay. If you need to buy basic necessities, such as clothes, shoes or hygiene items, make sure to keep a proof of payment for these items. When you return to your home country, apply for indemnity.
- If Insurance will contact you if it will be necessary to ask for additional documents and evidence, clarify information about the circumstances of the insurance event, the amount of losses and possible liable persons.
