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The travel insurance is valid anywhere in the world for trips lasting up to 90 days. The insurance covers, for example, medical assistance, damage to baggage, cancellation or interruption of the trip and missed departures, as well as the rental car deductible. The insurance extends to the cardholder and their accompanying spouse/partner, underage children, and grandchildren. Travel insurance is provided by the AS LHV Kindlustus. What does the travel insurance cover?
The purchase insurance included with the Gold Card provides 180 days of protection for durable goods that you have paid for with a Gold Card. The insurance protects against unexpected breakage, even if the incident was your own fault. There is a maximum sum insured for every insured object, insured event and calendar year. The deductible for each insured event is 30 euros. What does the purchase insurance cover?
The holder of a Gold Debit Card and up to four companions can enjoy the amenities of the Airport LHV Lounge for a discounted price of 30 euros per adult. To receive the discount, payment for entry must be made with the corresponding LHV card. The discount applies only when paying on-site.
Opportunities |  Gold Debit Card |  Gold Credit Card | ||
| Travel insurance |  | | ||
| Purchase insurance | | | ||
| Discounts and offers from Estravel Gold Card | | | ||
| Contactless payment | | | ||
| Payment for goods in Estonia, abroad and on the Internet | | | ||
| Cash withdrawal from any ATM | | | ||
Price list and terms and conditions | ||||
| Monthly fee | 7 € | 7 € | ||
| Renewal, closing | Free of charge | Free of charge | ||
| Replacement | 5 € | 5 € | ||
| Cash withdrawals | From LHV’s ATMs: free of charge (+ 0.3% of any amount in excess of 2,000 € per month). ATMs of other banks: from the current account in Estonia, the United Kingdom and a contracting party to the EEA Agreement € 1 (+ 0.3% of any amount in excess of 2,000 € per month) and, elsewhere abroad 2 € + 2.5% of the amount. | Cash withdrawals from ATMs of all banks in Estonia, the United Kingdom and the European Economic Area contracting states up to 500 euros per month without a service fee (a service fee of 2 € + 2.5% applies to amounts over 500 euros).2 | ||
| Cash deposit | Up to €5,000 per month is free at the LHV ATM (+ 0.3% of the amount that exceeds €5,000 per month)1 | |||
| Information request from an ATM | Free of charge at LHV ATMs, from the ATMs of other Estonian banks 0.20 € | Free of charge at LHV ATMs, from the ATMs of other Estonian banks 0.20 € | ||
| Monthly fee for additional card (incl. on a virtual card) | 7 € | 7 € | ||
| Credit limit | From 1,000 € and up to 2 months’ net income | |||
| Interest | From 16% up to 40 days interest free | |||
| Repayment of credit used | It is possible to choose between an automatic monthly repayment of 0–100% of the credit limit or to pay at the time and in the amount that suits you. The selected option can be changed in the internet bank. | |||
| Payment Date | 10th day | |||
| Payment from the credit account to the current account | 2 € + 2.5% of the sum | |||
Opportunities
Travel insurance
Purchase insurance
Discounts and offers from Estravel Gold Card
Contactless payment
Payment for goods in Estonia, abroad and on the Internet
Cash withdrawal from any ATM
Price list and terms and conditions
Monthly fee
Renewal, closing
Replacement
Cash withdrawals
Cash deposit
Information request from an ATM
Monthly fee for additional card (incl. on a virtual card)
Credit limit
Interest
Repayment of credit used
Payment Date
Payment from the credit account to the current account
7 €
Free of charge
5 €
Replacement to a virtual card is free of charge
From LHV’s ATMs: free of charge (+ 0.3% of any amount in excess of 2,000 € per month). ATMs of other banks: from the current account in Estonia, the United Kingdom and a contracting party to the EEA Agreement € 1 (+ 0.3% of any amount in excess of 2,000 € per month) and, elsewhere abroad 2 € + 2.5% of the amount.
Up to €5,000 per month is free at the LHV ATM (+ 0.3% of the amount that exceeds €5,000 per month)1
Free of charge at LHV ATMs, from the ATMs of other Estonian banks 0.20 €
7 €
7 €
Free of charge
5 €
Replacement to a virtual card is free of charge
Cash withdrawals from ATMs of all banks in Estonia, the United Kingdom and the European Economic Area contracting states up to 500 euros per month without a service fee (a service fee of 2 € + 2.5% applies to amounts over 500 euros).2
Free of charge at LHV ATMs, from the ATMs of other Estonian banks 0.20 €
7 €
From 1,000 € and up to 2 months’ net income
From 16% up to 40 days interest free
It is possible to choose between an automatic monthly repayment of 0–100% of the credit limit or to pay at the time and in the amount that suits you. The selected option can be changed in the internet bank.
10th day
2 € + 2.5% of the sum
1 The service fee applies on a customer basis, meaning it is independent of the number of accounts and cards (including additional cards).
2 For using another bank's ATM, a service fee according to the price list of that bank may be added.
Your Gold Card will remain valid even after the termination of the Au Client Agreement.
No, your existing Gold Card agreement remains valid — there is no need to sign a new one.
The terms of the Gold Card agreement will remain unchanged. However, the travel insurance terms associated with the Gold Card will change. You can review the new terms on our website.
If you used your Gold Card details to secure a booking, it will remain valid as long as you don’t cancel the card yourself. However, some service providers may require the card used for the booking to remain valid until the reservation is used or that the card details are updated in the booking.
No, you don’t have to. Just note that going forward, a monthly fee of 7 euros will apply to each card.
The new terms will take effect from 16 August 2025 and will apply to insurance events occurring from that date onward.
No, you don’t need to pay for the trip with the Gold Card or from the account linked to it. It’s sufficient to have an active card.
Yes. The Gold Card insurance also covers the spouse or partner traveling with the cardholder, as well as their children and grandchildren up to 21 years of age. The insurance is valid as long as they are traveling together with the cardholder.
The Gold Card travel insurance provides coverage for individuals. If your trip was paid for by a company and you have an active Gold Card, the insurance will still cover your health and personal baggage. However, it will not compensate the company for any losses arising from unexpected situations. The company should insure its own expenses through a separate travel insurance policy.
The travel insurance that comes with the Gold Card covers: medical assistance, baggage damage, trip cancellation and interruption, unexpected change of travel plans, as well as rental car deductibles. The maximum compensation applies to the entire trip. If the loss is smaller, only the actual cost is reimbursed. Most insurance limits apply per card, except for medical assistance and accident insurance, which apply to each insured person individually.
You can easily find the travel insurance certificate in the LHV internet bank, under the details of your Gold Card. If needed, you can present it as proof of your insurance coverage.
If you wish to have higher limits or additional protection, you can take out a personal travel insurance policy that better suits your needs.
Private Debit Card
Premium Debit Card
Football Card
Business debit card
Youth Card
Private credit card
Premium Credit Card
Business credit card