What is covered?
- Serious illness, accidents, flare-ups of chronic illnesses (no flare-ups within the past 3 years) and death of the customer or their family members;
- Terrorist attacks, cancelled concerts, pregnancy complications;
- The need to attend court; attendance needed regarding losses made to the customer’s property;
- If the trip is cut short due to serious illness in family members, accident, flare-ups of chronic illnesses (no flare-ups within the past 3 years), death; terrorism.

BTA covers
- Costs related to the booked trip (airfare, accommodation, vehicle rental, theatre or concert tickets for trips within the country of residence);
- In the case of a trip being cut short, the purchase of new tickets, unused accomodation nights.

You must submit the following to BTA:
- A document confirming the reason for annulment or cancellation (such as medical documentation, doctor’s note);
- In the case of family members, documents confirming your relationship;
- Documents confirming travel expenses (hotel, tickets, car rental agreement), your tour company agreement (if such exists);
- If your trip was interrupted, your new tickets and documents confirming payment;
- If the accident took place on a trip in your country of residence, information on your permanent/official residence.

! Trip cancellation also applies to trips within your country of residence.

When an insured event has occurred, call BTA assistance service phone: +372 5686 8668, e-mail: kahjud@bta.ee.

What is covered?
- delay or cancellation of a regular flight for a reason independent of the customer’s wishes (technical issues, weather);
- flight discrepancies, for example, if connecting flights are missed due to delay of the first flight.

BTA covers
Meals, hotel accomodation, transport to/from the hotel (daily limit: €100);
In the case of flight discrepancies, hotel expenses (nightly limit: €100), other relevant expenses linked with transport.

It is important when submitting your claim to contact your carrier for a statement confirming that your flight was cancelled or delayed.

You must submit the following to BTA:
If your flight is delayed or cancelled:
- A document from your airline confirming your flight was delayed, cancelled or that you were refused boarding and why;
- A copy of your tickets or boarding pass;
- Receipts for your food, transport and hotel.

If there was a discrepancy between the time one flight arrived and the next departed:
- A document from your airline confirming your flight was delayed, cancelled or that you were refused boarding and why;
- Tickets (a copy of your new ticket, your unused ticket or boarding pass);
- Receipts for the purchase of new tickets;
- Receipts for hotel expenses during the stopover, if used.

When an insured event has occurred, call BTA assistance service phone: +372 5686 8668, e-mail: kahjud@bta.ee.

What is covered?
- Baggage delay at your destination for longer than 3 hours, at your country of origin for more than 10 hours;
- Loss, theft or damage of your luggage for which the operator is at fault.

BTA covers

- Essential goods, toiletries, expenses relating to the purchase of climate-suitable clothing, phone charger, sports equipment rental;
- For delay in your country of residence - €25 for the occurrence;
- Repairs in the case of damage.

Important
- Losses already covered by the airline are not covered;
- To apply for compensation, you must contact the airport for a document confirming that your baggage was delayed, damaged or lost.

You must submit the following to BTA:
- the confirmation document;
- your baggage ticket;
- receipts for the essential items you purchased to replace items in your delayed baggage (if your baggage was delayed) or a photo and the purchase year and price of your damaged baggage.

When an insured event has occurred, call BTA assistance service phone: +372 5686 8668, e-mail: kahjud@bta.ee.

What is covered?
Theft of baggage while in the possession of the customer.

BTA covers
- Essential goods, toiletries, expenses relating to the purchase of climate-suitable clothing, phone charger, sports equipment rental.

Important! You must notify the police as soon as you discover your baggage has been stolen. 

You must submit the following to BTA:
- a police report;
- receipts for your purchases within the first 48 hours replacing items within your stolen luggage. 

When an insured event has occurred, call BTA assistance service phone: +372 5686 8668, e-mail: kahjud@bta.ee.

We cover losses covered incurred due to the unnoticed theft, or theft with break-in or robbery, of goods, if this incident occurs within 120 days of the purchase. The purchase must have been made with the relevant Citadele X card.

Important! You must notify the police as soon as you notice the theft.

You must submit the following to BTA:
- The receipt for your purchase;
- A police report/statement on the theft or robbery.

When an insured event has occurred, call BTA assistance service phone: +372 5686 8668, e-mail: kahjud@bta.ee.