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C card insurance

An accident happened? Find out what to do!

Insurance for every trip worldwide

The specified limits refers to one case, not a time period.

Insured purchases

Purchase insurance valid 180 days from receiving the goods.

No additional costs

All insurances already included in monthly fee of the card.

Travel insurance

C supreme

C prime

C Infinite
Insured risks Maximal insured amount per case per one card*
Insured family members - Spouse or cohabiting partner, parents, children and grandchildren under the age of 21 traveling together Spouse or cohabiting partner, parents, children and grandchildren under the age of 21 traveling together
Medical expenses 100 000 EUR 300 000 EUR 500 000 EUR
Dental expences 500 EUR 500 EUR 500 EUR
Medical aids expenses
(glasses, hearing aids, prosthetic appliances, etc.) 		500 EUR 500 EUR 500 EUR
Luggage insurance - 1000 EUR 2000 EUR
Luggage delay over 4 hours - 400 EUR 700 EUR
Travel inconvenience insurance*
- cancellation, suspension of travel,
- missing your transit		 - 2000 EUR 5000 EUR
Flight ticket change - 200 EUR 400 EUR
Self-risk coverage under vehicle rental agreement - 2000 EUR 3000 EUR
Liability insurance - 10 000 EUR 20 000 EUR
Legal aid - 1000 EUR 10 000 EUR
Accidents 10 000 EUR 30 000 EUR 50 000 EUR
Sport** -
Apply for C supreme Apply for C prime Read more

C supreme

Insured risks Maximal insured amount per case per one card*
Insured family members -
Medical expenses 100 000 EUR
Dental expences 500 EUR
Medical aids expenses
(glasses, hearing aids, prosthetic appliances, etc.) 		500 EUR
Luggage insurance -
Luggage delay over 4 hours -
Travel inconvenience insurance*
- cancellation, suspension of travel,
- missing your transit		 -
Flight ticket change -
Self-risk coverage under vehicle rental agreement -
Liability insurance -
Legal aid -
Accidents 10 000 EUR
Sport** -
Apply for C supreme

C prime

Insured risks Maximal insured amount per case per one card*
Insured family members Spouse or cohabiting partner, parents, children and grandchildren under the age of 21 traveling together
Medical expenses 300 000 EUR
Dental expences 500 EUR
Medical aids expenses
(glasses, hearing aids, prosthetic appliances, etc.) 		500 EUR
Luggage insurance 1000 EUR
Luggage delay over 4 hours 400 EUR
Travel inconvenience insurance*
- cancellation, suspension of travel,
- missing your transit		 2000 EUR
Flight ticket change 200 EUR
Self-risk coverage under vehicle rental agreement 2000 EUR
Liability insurance 10 000 EUR
Legal aid 1000 EUR
Accidents 30 000 EUR
Sport**
Apply for C prime

C Infinite

Insured risks Maximal insured amount per case per one card*
Insured family members Spouse or cohabiting partner, parents, children and grandchildren under the age of 21 traveling together
Medical expenses 500 000 EUR
Dental expences 500 EUR
Medical aids expenses
(glasses, hearing aids, prosthetic appliances, etc.) 		500 EUR
Luggage insurance 2000 EUR
Luggage delay over 4 hours 700 EUR
Travel inconvenience insurance*
- cancellation, suspension of travel,
- missing your transit		 5000 EUR
Flight ticket change 400 EUR
Self-risk coverage under vehicle rental agreement 3000 EUR
Liability insurance 20 000 EUR
Legal aid 10 000 EUR
Accidents 50 000 EUR
Sport**
Read more

Travel insurance is valid for the first 90 calendar days per trip, while the number of trips per year is not limited. Travel insurance amounts are attributed to C card users under 80 years of age (included). Customers over 80 are not insured.
* Deductible of 15% applies to the payment of the insurance benefit due to cancellation or termination of a trip
** Insurance is not valid if you participate in competitions of sports as a professional athlete

For cards C supreme, C prime and C Infinite


You will be reimbursed for treatment abroad in case of sudden illness or accident, including a doctor's visit, medication, emergency surgery, emergency dentistry, pregnancy complications, purchase of technical medical aids, and in case of COVID-19.
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For cards C prime and C Infinite


Cost of transportation and accommodation will be reimbursed in case:
  • trip cancellation due to a sudden illness or accident;
  • connecting flight delay due to a technical failure or bad weather.
If your luggage is delayed for more than 4 hours, the purchase or rental of essential goods or travel-oriented items such as climate-appropriate clothing or sports equipment will be reimbursed.
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For cards C prime and C Infinite


The insurance coverage is valid for active amateur sport activities, such as mountain hiking up to 3000m without any special mountain equipment, biking or scuba diving up to 10 meters. Alpine skiing, snowboarding and snowmobiling is insured only when you take part in activities on specially designed tracks. See full list of insured sport activities in Terms and Conditions.
Sport insurance coverage is not valid for professional sports and participations in all types of competitions.
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For cards C prime and C Infinite


If your rental vehicle suffers damage during your trip and you have purchased CASCO insurance when renting the vehicle, then your card insurance will cover a self-risk limit of up to 2000 EUR for C prime and up to 3000 EUR for C Infinite card.
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Purchase insurance

C supreme

C prime

C Infinite
Insured risks Total insured amount, EUR/insured amount per case, EUR
Theft, damage or destruction for 180 days from receiving the goods 5000 EUR / 2500 EUR 10 000 EUR / 5000 EUR 10 000 EUR / 5000 EUR
The maximum limit per insured event for luxury goods and timepieces:
- jewellery, precious metals (gold, platinum, silver, etc.) and stones, pearls, fur and fur products;
- watches and clocks		 400 EUR 400 EUR 400 EUR
The maximum limit per insured event for personal electronics and accessories:
- computers, computer components and peripheral equipment;
- mobile phones;
- eyewear, including sunglasses;
- smartwatches and wristbands; earphones		 800 EUR 1600 EUR 1600 EUR
Non delivery of goods - 500 EUR / 500 EUR 500 EUR / 500 EUR
Excess per insured event 30 EUR 30 EUR 30 EUR
Apply for C supreme Apply for C prime Read more

C supreme

Insured risks Total insured amount, EUR/insured amount per case, EUR
Theft, damage or destruction for 180 days from receiving the goods 5000 EUR / 2500 EUR
The maximum limit per insured event for luxury goods and timepieces:
- jewellery, precious metals (gold, platinum, silver, etc.) and stones, pearls, fur and fur products;
- watches and clocks		 400 EUR
The maximum limit per insured event for personal electronics and accessories:
- computers, computer components and peripheral equipment;
- mobile phones;
- eyewear, including sunglasses;
- smartwatches and wristbands; earphones		 800 EUR
Non delivery of goods -
Excess per insured event 30 EUR
Apply for C supreme

C prime

Insured risks Total insured amount, EUR/insured amount per case, EUR
Theft, damage or destruction for 180 days from receiving the goods 10 000 EUR / 5000 EUR
The maximum limit per insured event for luxury goods and timepieces:
- jewellery, precious metals (gold, platinum, silver, etc.) and stones, pearls, fur and fur products;
- watches and clocks		 400 EUR
The maximum limit per insured event for personal electronics and accessories:
- computers, computer components and peripheral equipment;
- mobile phones;
- eyewear, including sunglasses;
- smartwatches and wristbands; earphones		 1600 EUR
Non delivery of goods 500 EUR / 500 EUR
Excess per insured event 30 EUR
Apply for C prime

C Infinite

Insured risks Total insured amount, EUR/insured amount per case, EUR
Theft, damage or destruction for 180 days from receiving the goods 10 000 EUR / 5000 EUR
The maximum limit per insured event for luxury goods and timepieces:
- jewellery, precious metals (gold, platinum, silver, etc.) and stones, pearls, fur and fur products;
- watches and clocks		 400 EUR
The maximum limit per insured event for personal electronics and accessories:
- computers, computer components and peripheral equipment;
- mobile phones;
- eyewear, including sunglasses;
- smartwatches and wristbands; earphones		 1600 EUR
Non delivery of goods 500 EUR / 500 EUR
Excess per insured event 30 EUR
Read more

For cards C supreme, C prime and C Infinite

  • Purchase insurance applies to goods purchased with applicable C card at stores and online.
  • It compensates expenses on repair or replacement of durable goods* in case of theft, damage or destruction.
  • It applies to most purchases for 180 days from the day you receive the goods.

* Durable goods are items with a lifespan of at least 3 years. The lifespan of a product is determined by the manufacturer.

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private.ccards.insurance.purchase.tab.2.item.2
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For cards C prime and C Infinite


If the item is not delivered within 90 days of purchase and payment, you will be compensated for the purchase price. Insurance protection shall apply to goods for which you have received proof of dispatch of the goods, as well as a refusal by the seller to return the amount paid the goods.
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Apply for C card without visiting a branch

Apply remotely and become a Citadele customer today.

You will be able to use the online bank and digital services immediately.

You will receive your card by mail within 5 business days.

Scan and download the app
Download app
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For customers

Order your new C card in Citadele mobile app
or Online bank

Mobile app Online bank

Need help?

Get instant answers to your questions 24/7 from our website help tool: our virtual financial consultant, Adele.

How do I make a claim?

To file a claim, follow these steps:

  1. Gather necessary documents, such as receipts, proof of purchase, or police reports (if applicable).
  2. Submit the claim form along with supporting documentation: https://pood.seesam.ee/en/claims/citadelepurchaseclaim.
  3. If necessary, contact Seesam by phone +372 628 1700 or email kahjud@seesam.ee.
     

Do I need to carry a card on my trip for the insurance to be valid?

No, the card does not have to be carried on the trip, there is no such requirement.

Am I insured, when I´m going to Alpine skiing or snowboarding trip?

Engaging in skiing or snowboarding is only insured if you do it on tracks specially arranged for such purpose. Such insurance is only valid for C prime and C Infinite cards.

What does card travel insurance cover?

Coverage varies by card type, but common benefits include:

  • Trip cancellation or interruption.
  • Emergency medical expenses.
  • Travel accident insurance.
  • Lost, stolen, or delayed baggage.

For more information please read T&C.
 

What does card purchase insurance cover?

Common benefits include:

  • Protection against theft or accidental damage within 180 days from purchase.
  • Non delivery of goods (for some cards).

Do I need to pay for the purchase of a trip (airfare, other transport) with a C card for the insurance to be valid?

There is no such requirement.

Are there any exclusions or limitations?

Yes, common exclusions include:

  • Pre-existing medical conditions.
  • Extreme sports or professional sport activities.
  • Travel to restricted or unsafe destinations.
  • Travel to Russia, Ukraine and Belarus.
  • Alcohol or drug-related incidents.
  • Claims exceeding the coverage limits.
  • Age of 80 or more.

For more information please read T&C.
 

Will the Insurance compensate for the loss incurred when cancelling the trip if I got infected with Covid-19 before the trip?

If the insured person becomes infected with Covid-19 before the start of the trip, the Insurer pays non-refundable expenses for trip cancellation. The maximum insurance indemnity limit for one case is equal to the sum insured for the risk “Trip cancellation”. 

What should I do before making a significant purchase?

  • Verify your card’s purchase insurance benefits.
  • Ensure you meet eligibility requirements.
  • Keep receipts and any relevant documentation.
  • Review the terms and conditions for exclusions and claim procedures.

What is card travel insurance?

Card travel insurance is a complimentary insurance provided by Citadele. It offers coverage for travel-related incidents, such as trip cancellations, medical emergencies, and lost baggage.

Does card travel insurance cover family members?

It depends on your C card type. For C prime and C Infinite cardholders family members are also insured, if traveling together with cardholder. Family members are spouse or cohabiting partner, parents, children and grandchildren under the age of 21.

Do I need to activate my card purchase insurance?

Insurance coverage is automatically applied when using the eligible card for purchases. 

What is card purchase insurance?

Card purchase insurance is a benefit provided by some Citadele C cards. It offers coverage for eligible purchases against theft, accidental damage.

Are there any exclusions or limitations?

Yes, common exclusions include:

  • Perishable goods, consumables, and motor vehicles.
  • Items lost due to negligence or normal wear and tear.
  • Purchases not paid in full.
  • Claims exceeding the coverage limits or timeframe.

For more information please read T&C.
 

How do I check if my card offers travel insurance?

See your card’s benefits on Citadele webpage or contact Citadele’ s customer service to confirm if your card includes travel insurance and what the coverage details are.

How do I make a claim?

To file a claim, follow these steps:

  1. Contact insurer as soon as possible: (+372) 699 1575.
  2. Gather necessary documents, such as receipts, proof of travel purchase, medical reports, or police reports (if applicable).
  3. Submit the claim form along with supporting documentation in web https://eclaims.eu or by email citadele@ops24.eu.
     

How do I check if my card offers purchase insurance?

Review your card’s benefits on Citadele webpage or contact Citadele’s customer service to confirm if your card includes travel insurance and what the coverage details are.

How do I qualify for card purchase insurance?

To be eligible, you generally need to use your eligible C card to purchase the item. 

Do I need to apply for proof of insurance before travelling? How can this be done?

Insurance works without confirmation if you have a valid C card. Travel conditions vary from country to country - some countries require an insurance proof. In these cases, please request certificates from the Bank.

More questions
How do I make a claim?

To file a claim, follow these steps:

  1. Gather necessary documents, such as receipts, proof of purchase, or police reports (if applicable).
  2. Submit the claim form along with supporting documentation: https://pood.seesam.ee/en/claims/citadelepurchaseclaim.
  3. If necessary, contact Seesam by phone +372 628 1700 or email kahjud@seesam.ee.
     

Do I need to carry a card on my trip for the insurance to be valid?

No, the card does not have to be carried on the trip, there is no such requirement.

Am I insured, when I´m going to Alpine skiing or snowboarding trip?

Engaging in skiing or snowboarding is only insured if you do it on tracks specially arranged for such purpose. Such insurance is only valid for C prime and C Infinite cards.

What does card travel insurance cover?

Coverage varies by card type, but common benefits include:

  • Trip cancellation or interruption.
  • Emergency medical expenses.
  • Travel accident insurance.
  • Lost, stolen, or delayed baggage.

For more information please read T&C.
 

What does card purchase insurance cover?

Common benefits include:

  • Protection against theft or accidental damage within 180 days from purchase.
  • Non delivery of goods (for some cards).

Do I need to pay for the purchase of a trip (airfare, other transport) with a C card for the insurance to be valid?

There is no such requirement.

Are there any exclusions or limitations?

Yes, common exclusions include:

  • Pre-existing medical conditions.
  • Extreme sports or professional sport activities.
  • Travel to restricted or unsafe destinations.
  • Travel to Russia, Ukraine and Belarus.
  • Alcohol or drug-related incidents.
  • Claims exceeding the coverage limits.
  • Age of 80 or more.

For more information please read T&C.
 

Will the Insurance compensate for the loss incurred when cancelling the trip if I got infected with Covid-19 before the trip?

If the insured person becomes infected with Covid-19 before the start of the trip, the Insurer pays non-refundable expenses for trip cancellation. The maximum insurance indemnity limit for one case is equal to the sum insured for the risk “Trip cancellation”. 

What should I do before making a significant purchase?

  • Verify your card’s purchase insurance benefits.
  • Ensure you meet eligibility requirements.
  • Keep receipts and any relevant documentation.
  • Review the terms and conditions for exclusions and claim procedures.

What is card travel insurance?

Card travel insurance is a complimentary insurance provided by Citadele. It offers coverage for travel-related incidents, such as trip cancellations, medical emergencies, and lost baggage.

Does card travel insurance cover family members?

It depends on your C card type. For C prime and C Infinite cardholders family members are also insured, if traveling together with cardholder. Family members are spouse or cohabiting partner, parents, children and grandchildren under the age of 21.

Do I need to activate my card purchase insurance?

Insurance coverage is automatically applied when using the eligible card for purchases. 

What is card purchase insurance?

Card purchase insurance is a benefit provided by some Citadele C cards. It offers coverage for eligible purchases against theft, accidental damage.

Are there any exclusions or limitations?

Yes, common exclusions include:

  • Perishable goods, consumables, and motor vehicles.
  • Items lost due to negligence or normal wear and tear.
  • Purchases not paid in full.
  • Claims exceeding the coverage limits or timeframe.

For more information please read T&C.
 

How do I check if my card offers travel insurance?

See your card’s benefits on Citadele webpage or contact Citadele’ s customer service to confirm if your card includes travel insurance and what the coverage details are.

How do I make a claim?

To file a claim, follow these steps:

  1. Contact insurer as soon as possible: (+372) 699 1575.
  2. Gather necessary documents, such as receipts, proof of travel purchase, medical reports, or police reports (if applicable).
  3. Submit the claim form along with supporting documentation in web https://eclaims.eu or by email citadele@ops24.eu.
     

How do I check if my card offers purchase insurance?

Review your card’s benefits on Citadele webpage or contact Citadele’s customer service to confirm if your card includes travel insurance and what the coverage details are.

How do I qualify for card purchase insurance?

To be eligible, you generally need to use your eligible C card to purchase the item. 

Do I need to apply for proof of insurance before travelling? How can this be done?

Insurance works without confirmation if you have a valid C card. Travel conditions vary from country to country - some countries require an insurance proof. In these cases, please request certificates from the Bank.

Where to turn in case of an accident?


Travel Insurance:
If you need a consultation, contact Seesam 24/7 customer service (+372) 699 1575 or write an e-mail to citadele@ops24.eu.

Claim online

Purchase Insurance:
If you need a consultation, contact Seesam customer service (+372) 628 1700 or write an e-mail to kahjud@seesam.ee (Mo-Fr 9-17).

Claim online
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