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Even better insurance

To make sure you have exciting and safe experiences right here in Estonia, your credit card will have additional insurance coverage.

Covid-19 illness insurance
When traveling with X Hero credit card, you will be protected if Covid-19 illness is found abroad. If you need medical help, you will be reimbursed for medical expenses, expenses of replacement tickets if you can't return to the scheduled time due to illness, medical evacuation. From 01.04.2021. the maximum limit for the amount of insurance for the risk “COVID-19 illness” has been changed. All insurance terms in Travel insurance contract.

Travel insurance

X hero users receive travel insurance free of charge, travelling worldwide, incl. Estonia (more than 95 km away from the place of usual residence and when paying the hotel for not less than 2 nights).

What is insured?

Medical risks: medical expenses, dental assistance expenses, transportation costs, purchase or rent of temporary medical aids.

When traveling abroad, you no longer have to worry about purchasing travel insurance because your X hero will cover medical expenses. In case of sudden illness or accident, you will be reimbursed for medical treatment abroad.

Legal assistance: If you accidentally violate national laws during the trip, thereby causing damage to a third party and you need legal assistance, X hero insurance will reimburse a lawyer's fee of up to 1000 EUR.

Before traveling to European countries, make sure you have a valid European Health Insurance Card (EHIC). If you do not yet have EHIC, or it is expired, you can order the card electronically, free of charge, and receive the card by mail later.

Travel insurance is also valid if the trip is not paid with your X hero.

Insurance is valid for the first 90 calendar days of each trip, while the number of trips per year is not limited.

Insurance cover is valid for payment card users up to 80 years of age (inclusive).

Insurance for purchases

Shop safely! Any purchase made with X hero worldwide is insured against the risk of theft or damage.

If, within 30 days of purchase, the purchase of an identical item at an alternative trader is possible at a lower price than you paid for it and the price difference is more than 20 EUR, then the price difference will be refunded to you as part of the purchase insurance. Price protection insurance works only in Estonia.

Where to call in case of an accident?

If you need advice from an insurance specialist, a consultation or you want to report an accident, please contact the Customer Support Service of AAS “BTA Baltic Insurance Company” at any time by calling the 24-hour telephone number + 372 568 68668, which is designated for Citadele customers, or write to

Citadele Sky Branch is at your disposal, which will explain the insurance terms & conditions, and help you find the answer to any question. Just call +372 77 00 000.