Travel insurance

After an incident, inform Compensa immediately, as soon as possible, but no later than 30 (thirty) days in writing.

Note! In case of trip cancellation, the insurer must be informed before the planned start date of the trip.

What to do if an insurance event occurs during your trip

  • Call +371 67558888. The assistance service will advise you on what to do, coordinate necessary medical care, and, if needed, organize transportation.
  • Follow the instructions given by the assistance service.
  • Request and keep all documents provided by the assistance service.
  • Submit a claim to Compensa, attaching all required documents.

Compensa will process and pay the claim within 5 working days after a decision is made.

If the insurance event occurs in Turkey or Egypt

Important!

If the insurance event occurs in Turkey or Egypt, the insured person must contact the assistance service before receiving medical care to arrange the treatment and agree on the planned expenses.

If medical expenses are not approved with Compensa, we reserve the right to reimburse them only to the extent that they would have been covered if organized through the assistance service.

No expenses will be covered at the following health facilities in Turkey: * MEYDAN HOSPITAL GROUP * Eslem Hospital * MedAlanya.

What documents need to be submitted to receive compensation?

Medical Expenses

  • Medical certificate from the relevant medical institution with a precise diagnosis confirming the injury or illness, invoices for received services, payment documents, and travel tickets.

Baggage Delay

  • Baggage claim tag.
  • Boarding pass.
  • Airline certificate confirming the baggage delay with the specified delay time, as well as receipts for necessary expenses incurred due to the delay.
  • Baggage receipt document showing the date and time the baggage was received.

Baggage Damage or Loss

In case of damage – travel tickets, baggage claim tag, airline certificate confirming damage to the suitcase/bag and items, and the compensation amount (if any), list of damaged items, photos of the damaged suitcase/bag and items, purchase receipts (if available).

In case of loss – travel tickets, baggage claim tag, airline certificate confirming the baggage loss and any compensation paid to the insured (if applicable), receipts for any purchases made during the trip due to the loss, list of lost items with approximate value.

Flight Delay

  • Full flight itinerary printout.
  • Airline certificate confirming the flight delay/cancellation, specifying the delay/cancellation time and reason.
  • Receipts for alternative transport and/or hotel expenses.
  • Receipts for meals and transport services from the airport to the hotel and back.
  • Boarding passes.

Trip Cancellation

  • All receipts and/or invoices proving the insured paid for the planned trip or package.
  • Certificate from the travel organizer confirming the planned trip and any refund received for the canceled trip.
  • Medical certificate from a healthcare institution with a diagnosis (in case of sudden illness) and details of hospitalization.

Important! You must inform the insurer of the trip cancellation as soon as possible, but no later than the start date of the planned trip, while in the country of residence and before beginning the trip.

Additional documents may be requested by the insurer to confirm the occurrence of the insurance event.

The full list of required documents can be found in Compensa’s travel insurance terms and conditions.

How to proceed if a travel insurance claim occurs under a Luminor or Citadele card?

You can report the incident by calling Compensa's 24/7 customer support at +371 6755 8899 or by submitting a claim on the website eclaims.eu.

In-person claim submission

You can submit your claim at any of our customer service centers.

How to submit additional documents for an already registered claim?

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