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Broad-cover travel insurance

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?

Purchase insurance

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?

Lennujaama LHV Lounge

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.

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 €

Replacement to a virtual card is free of charge

5 €

Replacement to a virtual card is free of charge

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.

All LHV bank cards

Frequently asked questions

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.

  • Medical assistance is undoubtedly the most important travel insurance coverage, and its insured amount increases from €500,000 to €750,000 per person.
  • The deductible structure changes for personal item damage and theft, trip disruption, liability insurance, and legal assistance — the new deductible is €50 per card.
  • The coverage amounts for trip disruption, baggage, personal item damage or theft, liability, and legal assistance become card-based — meaning the total compensation amount applies collectively to all insured persons linked to the card.

If you wish to have higher limits or additional protection, you can take out a personal travel insurance policy that better suits your needs.