Created for you and your needs

Travel insurance with rental car comprehensive insurance for your whole family

Travel insurance coverage is valid for trips up to 90 days worldwide. Sums insured apply separately for each insured person and insured event. Among other things, medical expenses, baggage losses, cancellation and curtailment and missing travel connections and rental car comprehensive insurance are all covered.

The travel insurance is offered by LHV Kindlustus. What does travel insurance cover?

Priority Pass for you and travel companions 35 USD

As a Premium card holder you will have access to more than 1700 airport VIP lounges around the world, no matter which airline or class you’re flying in.

• In the VIP lounge, you’ll enjoy services and comforts that are like an oasis from the bustle of the terminal
• Plan and manage your lounge visits using the Priority Pass app or on the website where you will find a selection of lounges and details of the services in each airport.
• An entrance fee of 35 USD is charged for you and your travel companions.

Be aware – the range of available services may be different in various airports.

Download the Priority Pass mobile app

Once you’ve downloaded the app,

• enter your Premium card number in the app when activating the digital membership card for the first time
• at the airport, present your digital membership card or LHV Premium card to the VIP lounge staff member. There’s no need for a separate Priority Pass plastic card

Fast Track is free for you, with a fee for others travelling with you

Fast Track is a service that gives you an opportunity to go through airport security in priority order.

• To use it, you will have to book your time through the Mastercard Travel Experiences Mobile app
• Fast Track access is free for cardholders
• An entry fee is charged for the cardholder’s travel companions, which varies by airport. Use the same app to get pricing information
• Through the same app, you’ll find reliable and secure transfer services from airports and enjoy special offers at participating restaurants

Be aware that the terms of service and offers can change.

Keep up to date with the latest information

Download the Mastercard Travel Experiences app or visit the website and set up a user account

Once you’ve created the account,

• make sure that you’ve enabled online purchases on your Premium card
• after logging in, choose the airport where you wish to use the service and specify the number of travellers and the time period
• if you’re travelling with companions, you pay for them with your LHV Premium card. The price will be displayed in the airport’s currency and it’s always a good idea to double-check it
• once you’ve paid for the service, you will receive a QR code via email or in-app. This is your access ticket
• present the e-ticket at the airport and pass through security using the Fast Track gate

Entry to Tallinn Airport’s LHV Lounge at a discount price of 30 euros – for you and four companions

Premium card holders and up to four companions can enjoy the comforts of the airport’s LHV Lounge at a discounted price of 30 euros per adult. Kids 12 and under are charged the discounted price as listed by the lounge. To be eligible for the discount, use the LHV Premium card to pay for the lounge access.

Purchase protection on durable goods

The purchase protection insurance included with the Premium card covers durable goods for 180 days after purchase, provided you paid for them with the card. Insurance helps you out if the item breaks, even if it’s your own fault. The maximum sum insured under purchase protection is determined per insured item, insured event and calendar year. The deductible for each insured event is 30 euros. What does purchase protection insurance cover?

Cash withdrawals from LHV ATMs are free

• Cash withdrawal from LHV ATMs is free for up to €2000 a month. A service charge of + 0.3% of the amount is charged for larger sums.
• Withdrawals from other banks’ ATMs in Estonia, the UK and EEA countries – 1 euro per withdrawal for up to 2000 euros a month. A service charge of + 0.3% of the amount is charged for larger sums.
• In other foreign locations, cash withdrawals incur a fee of 2 euros + 2.5% of the amount.

Cash withdrawals with no service fee from all ATMs in Estonia

Withdrawals from other banks’ ATMs in Estonia, the UK and EEA countries – free of charge for up to 1000 euros a month. A service charge of 2 euros + 2.5% of the amount is charged for larger sums.

Interest rate as low as 14%

Credit card interest starts at 14%. The final interest rate depends on the customer's creditworthiness.

Up to 40-day interest-free period on purchases and cash withdrawals

The interest-free period of up to 40 days applies to purchases made and cash withdrawals from ATMs.

Card payments in foreign currency

No conversion fee charged for card payments in foreign currency.

Partners’ offers

What does purchace protection insurance cover?

Insurance coverage
Validity 180 days
Deductible 30 euros

Sums insured
The sum insured is the purchase price of the insured object, in the extent to which LHV indemnifies the damage caused due to an insured event.
Minimum purchase price 100 euros
Maximum purchase price 5,000 euros

Limit of indemnity
5,000 euros for each insured event
Up to 10,000 euros per year

What does travel insurance cover?

We recommend ordering a Premium card well before any travel as the card takes a week to be mailed and coverage begins when the plastic card is activated.

If you ordered a card in virtual form, note that the coverage on the virtual card will begin 72 hours after activation.

Travel insurance coverage is valid for trips up to 90 days worldwide. Family members travelling with you are also covered.

Medical expenses, baggage losses, cancellation and curtailment, unexpected change of travel plans and rental car deductibles are all covered.

The travel insurance is offered by AS LHV Kindlustus. Be sure to read through the terms and conditions of insurance included with the Premium card, since coverage exclusions are also set out there.

The table shows sums insured, limits of indemnity and deductible. These are the maximum amounts that LHV will compensate in the case of insured events per insured person on a single trip. If the actual losses are lower, that amount is used as the basis. Deductible is charged per insured event.

If you're planning to engage in higher-risk activities or sports while traveling, or wish to increase any of your insurance coverage limits, we recommend contacting LHV Insurance—this way, we can tailor the coverage to suit your specific needs.