Compare Travel Insurance in Lithuania

Compare the top travel insurance providers in Lithuania — see cover, features and typical rates side by side.

Live offers

2 live offers compared from 2 providers. Updated daily.

If Travel Insurance If Lietuva

Price on request

  • Coverage Type: Single trip & annual
  • Medical Limit: €1,000,000
  • Destinations: Worldwide
  • Trip Cancellation: Included

ERGO Travel Insurance ERGO Lithuania

Price on request

  • Coverage Type: Single trip & annual
  • Medical Limit: €1,000,000
  • Destinations: Worldwide
  • Trip Cancellation: Included

What is Travel Insurance in Lithuania?

Travel insurance covers unexpected costs while you are away, such as medical treatment abroad, trip cancellation, lost luggage and emergency repatriation. For Lithuanian travellers within the EU, the European Health Insurance Card (EHIC) provides basic state-funded medical care, but travel insurance adds fuller medical cover, private treatment, cancellation protection and support outside the EU. Policies can be bought per trip or as annual multi-trip cover for frequent travellers.

How the Lithuanian market works

Travel insurance is sold by general insurers, brokers, banks, travel agents and increasingly through apps and comparison channels. Single-trip policies suit occasional holidaymakers, while annual multi-trip cover is cheaper for those travelling several times a year. Insurers compete on medical-cover limits, included activities, cancellation cover and price. Some premium bank accounts and credit cards bundle travel insurance as a benefit. The Bank of Lithuania supervises the insurers offering these products.

Benefits

Medical cover abroad — Pays for treatment, hospital stays and emergency repatriation beyond what EHIC covers.

Cancellation protection — Reimburses prepaid costs if you must cancel for a covered reason like illness.

Baggage and delay — Covers lost, stolen or delayed luggage and missed-departure expenses.

24/7 assistance — Access to emergency helplines and support while travelling.

How to choose

Match the policy to your destination and activities: check the medical-cover limit, whether it covers your destination region, and any excluded sports or activities like skiing. Decide between single-trip and annual multi-trip based on how often you travel. Compare cancellation limits, the deductible, and cover for valuables. Check whether pre-existing medical conditions are included, and review any cover already provided by your bank account or credit card.

Leading providers in Lithuania

If Lietuva, a leading Baltic general insurer, offers travel cover with strong medical and assistance features. ERGO Lithuania, part of the Munich Re group, provides single-trip and annual travel policies with wide support networks. Other insurers such as Lietuvos draudimas, BTA and Compensa also offer travel insurance, and some banks bundle cover with premium accounts, so comparing standalone and bundled options is worthwhile.

What it costs

Premiums depend on the destination, trip length, traveller age, cover limits and included activities. A short EU trip costs little, while worldwide cover with high medical limits or adventure activities costs more. Annual multi-trip policies offer better value for frequent travellers than buying separate single-trip cover. Adding higher medical limits, winter sports or cancellation cover raises the premium, so tailor the policy to your actual trip.

Protections and regulation

Travel insurers are licensed and supervised by the Bank of Lithuania, and policies follow Lithuanian and EU insurance-distribution rules on disclosure and fair treatment. The EHIC entitles Lithuanian residents to necessary state healthcare within the EU/EEA, complementing but not replacing travel insurance. Disputes over claims can be raised with the insurer, through mediation, or escalated to the Bank of Lithuania.

Common questions

Do I need it within the EU? — EHIC covers basic state care, but travel insurance adds fuller medical, cancellation and repatriation cover. Single-trip or annual? — Annual multi-trip is cheaper if you travel several times a year. Are adventure sports covered? — Only if specified; check exclusions and add cover if needed. Are pre-existing conditions included? — This varies; declare them and confirm cover before travelling.

Travel Insurance in Lithuania — FAQ

What is the cheapest travel insurance in Lithuania?

Giraffy tracks 2 travel insurance products across If Lietuva,ERGO Lithuania insurers in Lithuania. Compare by cover level and excess, not just price — a very cheap policy may have low medical cover limits or high excesses that leave you underinsured.

What should travel insurance cover as a minimum?

At minimum, look for: emergency medical treatment and repatriation (at least £5–10 million), trip cancellation and curtailment, baggage and personal effects, personal liability, and passport/travel document cover. Travel to the US requires especially high medical limits due to healthcare costs.

Is annual multi-trip travel insurance worth it?

If you take three or more trips per year, annual multi-trip insurance is almost always cheaper than buying single-trip policies. The annual policy covers an unlimited number of trips up to a maximum trip duration (typically 31–90 days). Check that all your planned destinations and activities are included.

Does travel insurance cover pre-existing medical conditions?

Standard policies often exclude pre-existing conditions or charge an additional premium to include them. Always declare medical conditions when applying — failure to disclose can invalidate your claim. Specialist providers offer cover for conditions like diabetes, heart disease, and cancer, though premiums will be higher.

Is adventure sports or extreme activities covered?

Most standard policies exclude or limit adventure sports — skiing, snowboarding, scuba diving, and other higher-risk activities require specialist cover or add-ons. If you're planning active travel, check the policy's activity list or take out a specialist policy that explicitly includes your planned activities.

What is the excess on a travel insurance policy and how does it work?

The excess is the amount you pay towards each claim before the insurer pays the balance. Higher excess = lower premium. Choose an excess you can comfortably afford — if your excess is £200 and your lost luggage claim is £150, you'll receive nothing. Check whether the excess applies per claim or per incident.