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Insurance for every trip worldwide

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

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Insured purchases

Purchase insurance 180 days from the time the purchase was made.

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No additional costs

All benefits already included in monthly fee of the card.

Travel insurance

X supreme

X prime

X Infinite

Insured risks Insured amount per case
Family members' insurance - Spouse or cohabiting partner, parents, children and grandchildren under the age of 21 traveling together Spouse or cohabiting partner, parents, children or grandchildren under the age of 21 traveling together
Medical expenses (emergency dental care, purchase of medicines, medical evacuation, repatriation, COVID-19) 75 000 EUR 125 000 EUR 300 000 EUR
Travel insurance in the home country*
Luggage insurance:
- delay
- loss, damage, theft
100 EUR 400 EUR 750 EUR
Travel inconvenience insurance
- cancellation, suspension of travel, including due to COVID-19 illness
- delay of travel
- missing your transit
250 EUR 1000 EUR 1500 EUR
Flight delay 250 EUR 1000 EUR 1500 EUR
Self-risk coverage under vehicle hire agreement - 1500 EUR 3000 EUR
Sport** Sport activities of any kind, except extreme sport Sport activities of any kind, including extreme sport activities such as mountain skiing and snowboarding, surfing, underwater diving, yacht sports, quad-cycling, motorcycle or snowmobile riding, hockey, deltaplane ride, parachuting, kite surfing Sport activities of any kind, including extreme sport activities such as mountain skiing and snowboarding, surfing, underwater diving, yacht sports, quad-cycling, motorcycle or snowmobile riding, hockey, deltaplane ride, parachuting, kite surfing
Accidents 10 000 EUR 20 000 EUR 50 000 EUR
Total travel insurance amount 75 000 EUR 125 000 EUR 300 000 EUR
Apply for X supreme Apply for X prime Read more

X supreme

Insured risks Insured amount per case
Family members' insurance -
Medical expenses (emergency dental care, purchase of medicines, medical evacuation, repatriation, COVID-19) 75 000 EUR
Travel insurance in the home country*
Luggage insurance:
- delay
- loss, damage, theft
100 EUR
Travel inconvenience insurance
- cancellation, suspension of travel, including due to COVID-19 illness
- delay of travel
- missing your transit
250 EUR
Flight delay 250 EUR
Self-risk coverage under vehicle hire agreement -
Sport** Sport activities of any kind, except extreme sport
Accidents 10 000 EUR
Total travel insurance amount 75 000 EUR
Apply for X supreme

X prime

Insured risks Insured amount per case
Family members' insurance Spouse or cohabiting partner, parents, children and grandchildren under the age of 21 traveling together
Medical expenses (emergency dental care, purchase of medicines, medical evacuation, repatriation, COVID-19) 125 000 EUR
Travel insurance in the home country*
Luggage insurance:
- delay
- loss, damage, theft
400 EUR
Travel inconvenience insurance
- cancellation, suspension of travel, including due to COVID-19 illness
- delay of travel
- missing your transit
1000 EUR
Flight delay 1000 EUR
Self-risk coverage under vehicle hire agreement 1500 EUR
Sport** Sport activities of any kind, including extreme sport activities such as mountain skiing and snowboarding, surfing, underwater diving, yacht sports, quad-cycling, motorcycle or snowmobile riding, hockey, deltaplane ride, parachuting, kite surfing
Accidents 20 000 EUR
Total travel insurance amount 125 000 EUR
Apply for X prime

X Infinite

Insured risks Insured amount per case
Family members' insurance Spouse or cohabiting partner, parents, children or grandchildren under the age of 21 traveling together
Medical expenses (emergency dental care, purchase of medicines, medical evacuation, repatriation, COVID-19) 300 000 EUR
Travel insurance in the home country*
Luggage insurance:
- delay
- loss, damage, theft
750 EUR
Travel inconvenience insurance
- cancellation, suspension of travel, including due to COVID-19 illness
- delay of travel
- missing your transit
1500 EUR
Flight delay 1500 EUR
Self-risk coverage under vehicle hire agreement 3000 EUR
Sport** Sport activities of any kind, including extreme sport activities such as mountain skiing and snowboarding, surfing, underwater diving, yacht sports, quad-cycling, motorcycle or snowmobile riding, hockey, deltaplane ride, parachuting, kite surfing
Accidents 50 000 EUR
Total travel insurance amount 300 000 EUR
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 X card users under 80 years of age (included). Customers over 80 are not insured.
* Insurance for local travel is valid when travelling more than 80 km from your home residence and paying for accommodation for at least 2 days. Within the trip in home country the following risks are in force: Medical Expenses Insurance, Accident Insurance and Trip Cancellation, Interruption and Delay Insurance, Your trip within the Home Country.
** Insurance is not valid if you participate in competitions of sports as a professional athlete.

For cards X supreme, X prime, X Infinite


The card provides coverage for medical expenses. 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.
If the insurance event has occurred in the USA, Bulgaria, Greece, Egypt, Russia, Belarus, Spain, Thailand or Turkey, please consult the insurer or its partner before choosing the medical institution.
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For cards X prime and X Infinite


The card covers the cost of cancelling your trip for transport and lodging if you are unable to travel due to a sudden illness, including Covid-19, or accident. If your luggage is delayed (for more than 2 hours), the purchase of essential goods will be reimbursed, as well as the purchase of travel-oriented items such as climate-appropriate clothing or rental of sports equipment.
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For cards X prime and X Infinite


The card covers sports activities of any kind, including extreme sport activities for the card user and his/her family members: mountain skiing and snowboarding, surfing, underwater diving, yacht sports, quad-cycling, motorcycle or snowmobile riding, hockey, deltaplane ride, parachuting, kite surfing. Insurance is not valid if the customer participates in competitions of sports as a professional athlete.
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For cards X prime and X 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 1500 EUR for X prime and up to 3000 EUR for X Infinite card.
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City Combo

For cards X supreme, X prime, X Platinum and X Infinite

  • NEW- valid all year!
  • Insurance will protect you and your family members if you go on a ride together
  • Insurance against risks of damage and theft not only for your bicycle, but also for electric and kick scooter
  • Riders will be insured against the accidents
  • Civil liability is also insured if you have accidentally caused damage to third parties during your ride
Apply for X card

form-fill City Combo insurance policy, valid from 01.07.2022

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City combo insurance

X supreme

X prime

X Infinite

Insured risks Insured amount in the 12-month period from first insurance case
Damage and theft 1000 EUR 2000 EUR 3000 EUR
Collision risk 100 EUR 200 EUR 300 EUR
Accidents 1000 EUR 2000 EUR 3000 EUR
Liability insurance 1000 EUR 2000 EUR 3000 EUR
Apply for X prime Apply for X prime Read more

X supreme

Insured risks Insured amount in the 12-month period from first insurance case
Damage and theft 1000 EUR
Collision risk 100 EUR
Accidents 1000 EUR
Liability insurance 1000 EUR
Apply for X prime

X prime

Insured risks Insured amount in the 12-month period from first insurance case
Damage and theft 2000 EUR
Collision risk 200 EUR
Accidents 2000 EUR
Liability insurance 2000 EUR
Apply for X prime

X Infinite

Insured risks Insured amount in the 12-month period from first insurance case
Damage and theft 3000 EUR
Collision risk 300 EUR
Accidents 3000 EUR
Liability insurance 3000 EUR
Read more

Purchase insurance

X supreme

X prime

X Infinite

Insured risks Total insured amount, EUR/insured amount per case, EUR
Theft and robbery, damage 180 days from the moment of purchase (self-risk 50 EUR) 10 000 EUR / 1000 EUR 20 000  EUR / 1500 EUR 40 000 EUR / 1500 EUR
Non-delivery of goods - 500 EUR / 500 EUR 500 EUR / 500 EUR
Extended warranty (the price of the product must be at least 100 EUR) - 1000 EUR / 1000 EUR 1000 EUR / 1000 EUR
Price protection (price difference must be at least 20 EUR) 300 EUR / 300 EUR 500 EUR / 500 EUR 1500 EUR / 1500 EUR
Apply for X supreme Apply for X prime Read more

X supreme

Insured risks Total insured amount, EUR/insured amount per case, EUR
Theft and robbery, damage 180 days from the moment of purchase (self-risk 50 EUR) 10 000 EUR / 1000 EUR
Non-delivery of goods -
Extended warranty (the price of the product must be at least 100 EUR) -
Price protection (price difference must be at least 20 EUR) 300 EUR / 300 EUR
Apply for X supreme

X prime

Insured risks Total insured amount, EUR/insured amount per case, EUR
Theft and robbery, damage 180 days from the moment of purchase (self-risk 50 EUR) 20 000  EUR / 1500 EUR
Non-delivery of goods 500 EUR / 500 EUR
Extended warranty (the price of the product must be at least 100 EUR) 1000 EUR / 1000 EUR
Price protection (price difference must be at least 20 EUR) 500 EUR / 500 EUR
Apply for X prime

X Infinite

Insured risks Total insured amount, EUR/insured amount per case, EUR
Theft and robbery, damage 180 days from the moment of purchase (self-risk 50 EUR) 40 000 EUR / 1500 EUR
Non-delivery of goods 500 EUR / 500 EUR
Extended warranty (the price of the product must be at least 100 EUR) 1000 EUR / 1000 EUR
Price protection (price difference must be at least 20 EUR) 1500 EUR / 1500 EUR
Read more

For cards X supreme, X prime, X Infinite

  • Each purchase is insured against the risk of theft or damage for 180 days from the time of purchase.
  • Lowest price guarantee - if, within 30 days of purchase, the item with the same retailer becomes cheaper than at least 20 EUR, then the difference in price will be refunded to you. Price protection insurance works around the world.
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For cards X prime and X Infinite


Electric appliances bought with this card receive 1 extra year of warranty after the expiry of the manufacturer's warranty. Repairs or replacements will work as specified in the manufacturer's warranty.
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For cards X prime and X 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 X 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.

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For customers

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

Didn’t find the answer to your question?

Visit our interactive assistant and find the information you need

Interactive assistant
Delayed flight

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.

Balcia covers
- Meals, hotel accomodation, transport to/from the hotel (daily limit: 100 EUR).
- In the case of flight discrepancies, hotel expenses (nightly limit: 100 EUR), other relevant expenses linked with transport.
- Exchange of travel tickets, 50% of the price difference between previously purchased tickets and new tickets, but not exceeding the amount of 200 EUR.

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 Balcia:
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 Balcia assistance service phone: +372 69 91 575, e-mail: citadele@balcia.ee.

An incident has taken place after manufacturer warranty expires

We insure any defect named in the manufacturer warranty for an electronic device which occurs suddenly and unexpectedly within one year of the manufacturer warranty expiring, but no later than three (3) years after the product was purchased.

You must submit the following to Balcia:
- The receipt for your purchase.
- The manufacturer’s warranty documents.
- Confirmation from a repair company about the defect.
- If it can be repaired: a document confirming payment from the business who undertook the repair.

When an insured event has occurred, call Balcia assistance service phone: +372 69 91 575, e-mail: citadele@balcia.ee.

Product robbed or stolen

We cover losses covered incurred due to the unnoticed theft, or theft with break-in or robbery, of goods, if this incident occurs within 180 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 Balcia:
- The receipt for your purchase.
- A police report/statement on the theft or robbery.

When an insured event has occurred, call Balcia assistance service phone: +372 69 91 575, e-mail: citadele@balcia.ee.

Medical help during a trip

What is covered?
- Sudden heavy illness.
- Accidents.
- Flare-ups of chronic illness.

Balcia covers
- Medical expenses: doctor’s visits, medicines, urgent operations, transport, urgent dental treatment, pregnancy complications (<32 weeks), technical medical aids.
- Medical evacuation, transport: specialised transport, expenses for the person accompanying the patient (medical personnel or fellow traveller), ticket change if you miss your flight.
- Repatriation: transportation of mortal remains to their country of residence.
- Evacuation of children, if they become unaccompanied.
- Arrival of 1 family member: tickets, hotel and per diem (up to 100 EUR per day).

Important: Always contact Balcia if the insured person is conscious. Balcia will inform you of where to go depending on the patient’s health condition. If you cannot contact Balcia, you should go to a state, rather than private, medical institution where possible. If you are in the USA, Turkey, Egypt, Greece, Bulgaria, Russia, Belarus, Spain or Thailand, be sure to contact Balcia.

You must submit the following to Balcia:
- A doctor’s note confirming diagnosis.
- Invoices and a document confirming that the invoice has been paid.

When an insured event has occurred, call Balcia assistance service phone: +372 69 91 575, e-mail: citadele@balcia.ee.

Legal help

What is covered?
Losses incurred due to seeking legal assistance abroad should you accidentally breach local traditions, norms or laws and have run into legal problems as a result.

Balcia covers:
Legal expenses.

You must submit the following to Balcia:
- A police protocol for the incident;
- Confirmation of invoice payment for legal services.

When an insured event has occurred, call Balcia assistance service phone: (+372 69 91 575, e-mail: citadele@balcia.ee.

Product not delivered within 90 days

For Balcia to refund the product purchase price:
- The product must be worth 20 EUR or more.
- The product has been paid for and ordered, but not delivered within 90 days of purchase.
- You must have written confirmation that the retailer declines to refund the customer’s purchase.

You must submit the following to Balcia:
- The receipt for your purchase.
- Written confirmation that the retailer declines to refund the customer’s purchase.

When an insured event has occurred, call Balcia assistance service phone: +372 69 91 575, e-mail: citadele@balcia.ee.

The price of the product has decreased

If you purchase a product with a Citadele X prime card that becomes cheaper within 30 days, and the price difference is more than 20 EUR, we cover the price difference.

You must submit the following to Balcia:
- The receipt for your purchase.
- A notification, photograph, screenshot from a different retailer or online retailer showing the product price on the day of purchase.

     and/or

- A notification, photograph, screenshot from the retailer or online retailer showing the sale period (start and end dates) or price reduction date within 30 days of the day of purchase.

When an insured event has occurred, call Balcia assistance service phone: +372 69 91 575, e-mail: citadele@balcia.ee.

More questions
Delayed flight

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.

Balcia covers
- Meals, hotel accomodation, transport to/from the hotel (daily limit: 100 EUR).
- In the case of flight discrepancies, hotel expenses (nightly limit: 100 EUR), other relevant expenses linked with transport.
- Exchange of travel tickets, 50% of the price difference between previously purchased tickets and new tickets, but not exceeding the amount of 200 EUR.

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 Balcia:
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 Balcia assistance service phone: +372 69 91 575, e-mail: citadele@balcia.ee.

An incident has taken place after manufacturer warranty expires

We insure any defect named in the manufacturer warranty for an electronic device which occurs suddenly and unexpectedly within one year of the manufacturer warranty expiring, but no later than three (3) years after the product was purchased.

You must submit the following to Balcia:
- The receipt for your purchase.
- The manufacturer’s warranty documents.
- Confirmation from a repair company about the defect.
- If it can be repaired: a document confirming payment from the business who undertook the repair.

When an insured event has occurred, call Balcia assistance service phone: +372 69 91 575, e-mail: citadele@balcia.ee.

Product robbed or stolen

We cover losses covered incurred due to the unnoticed theft, or theft with break-in or robbery, of goods, if this incident occurs within 180 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 Balcia:
- The receipt for your purchase.
- A police report/statement on the theft or robbery.

When an insured event has occurred, call Balcia assistance service phone: +372 69 91 575, e-mail: citadele@balcia.ee.

Medical help during a trip

What is covered?
- Sudden heavy illness.
- Accidents.
- Flare-ups of chronic illness.

Balcia covers
- Medical expenses: doctor’s visits, medicines, urgent operations, transport, urgent dental treatment, pregnancy complications (<32 weeks), technical medical aids.
- Medical evacuation, transport: specialised transport, expenses for the person accompanying the patient (medical personnel or fellow traveller), ticket change if you miss your flight.
- Repatriation: transportation of mortal remains to their country of residence.
- Evacuation of children, if they become unaccompanied.
- Arrival of 1 family member: tickets, hotel and per diem (up to 100 EUR per day).

Important: Always contact Balcia if the insured person is conscious. Balcia will inform you of where to go depending on the patient’s health condition. If you cannot contact Balcia, you should go to a state, rather than private, medical institution where possible. If you are in the USA, Turkey, Egypt, Greece, Bulgaria, Russia, Belarus, Spain or Thailand, be sure to contact Balcia.

You must submit the following to Balcia:
- A doctor’s note confirming diagnosis.
- Invoices and a document confirming that the invoice has been paid.

When an insured event has occurred, call Balcia assistance service phone: +372 69 91 575, e-mail: citadele@balcia.ee.

Legal help

What is covered?
Losses incurred due to seeking legal assistance abroad should you accidentally breach local traditions, norms or laws and have run into legal problems as a result.

Balcia covers:
Legal expenses.

You must submit the following to Balcia:
- A police protocol for the incident;
- Confirmation of invoice payment for legal services.

When an insured event has occurred, call Balcia assistance service phone: (+372 69 91 575, e-mail: citadele@balcia.ee.

Product not delivered within 90 days

For Balcia to refund the product purchase price:
- The product must be worth 20 EUR or more.
- The product has been paid for and ordered, but not delivered within 90 days of purchase.
- You must have written confirmation that the retailer declines to refund the customer’s purchase.

You must submit the following to Balcia:
- The receipt for your purchase.
- Written confirmation that the retailer declines to refund the customer’s purchase.

When an insured event has occurred, call Balcia assistance service phone: +372 69 91 575, e-mail: citadele@balcia.ee.

The price of the product has decreased

If you purchase a product with a Citadele X prime card that becomes cheaper within 30 days, and the price difference is more than 20 EUR, we cover the price difference.

You must submit the following to Balcia:
- The receipt for your purchase.
- A notification, photograph, screenshot from a different retailer or online retailer showing the product price on the day of purchase.

     and/or

- A notification, photograph, screenshot from the retailer or online retailer showing the sale period (start and end dates) or price reduction date within 30 days of the day of purchase.

When an insured event has occurred, call Balcia assistance service phone: +372 69 91 575, e-mail: citadele@balcia.ee.

Where to call if there's an accident?

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Contact SE Balcia customer service by calling (+372) 69 91575 or write an e-mail to citadele@balcia.ee.

Claim online