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 Infinite credit card, you and your family will be protected if Covid-19 illness is found abroad. 

  • If you have purchased a trip, but have to cancel it due to Covid-19 mandatory isolation and cannot get refund or reschedule your trip, then the insurance will pay the costs for the missed travel within the limits.
  • If Covid-19 occurs during the trip, the hospital treatment costs will be reimbursed. If hospitalisation is not required, the change of home flight tickets and accommodation costs abroad will be compensated within the limit.
  • If entering a country does not require a Covid-19 test, it does not have to be carried out for the insurance to work. However, you must comply with all testing conditions in a given country: if testing is required to enter the country, the test must be carried out.

All insurance terms in Travel insurance contract

Travel insurance

X Infinite card users receive travel insurance free of charge, travelling worldwide, incl. Estonia. You and your family will be protected when you travel together (your spouse or cohabiting partner, children or grandchildren up to 21 years of age (inclusive), parents).

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 Infinite will cover medical expenses. In case of sudden illness or accident, you will be reimbursed for medical treatment abroad.

Cancellation and interruption of travel

You can feel protected even in situations where the trip is not on schedule, because your X Infinite card compensates you for travel inconvenience in the event of delay or loss of baggage, delay or cancellation of the flight, if due to weather conditions or other the reason you are late for the transfer, or because of theft or loss you need to restore your passport or ID card. The baggage delay risk insurance cover takes effect if baggage claim is delayed by more than 3 hours from the time you arrive – not only at the destination, but also at the intermediate stage of the trip.
You will not need to worry about the costs associated with the cancellation of the trip (tickets for transport and hotel reservations), if you cannot travel due to a sudden illness (sick leave for at least 10 days

Covered deductible under car rental contract

You will be refunded the deductible, which the rental company is holding back from you for unintentional and unforeseen physical damage caused to the rental car. Insurance coverage does not apply to cars rented by family members.

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

Important to remember!

  • 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 Infinite.
  • 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! Every purchase made with an X Infinite card is insured against theft or damage risk for 120 days from the date of purchase. Your purchases with X Infinite card are also insured against the risk of price protection and guarantee an extended warranty for electrical products.
Regardless of where you make your purchase - in Estonia, the Internet or anywhere else in the world, your deductible in the event of theft, defect or damage is only 50 EUR, while the remaining purchase value up to 1 500 EUR will be covered by X Infinite card purchase insurance. The insurance is active for 120 days from the date of purchase.

Price protection

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

Extended warranty for electrical products

The warranty period is one year. Reimbursement of the cost of repairing or replacing the goods under the conditions consistent with the terms of the factory warranty of the manufacturer of the product.

Undelivered Product risk

When a Product has been ordered and paid for, but is not delivered within 90 days since the moment of purchase, the product’s purchase price will be compensated. Insurance cover shall apply to products, the price of which equals or exceeds EUR 20, and on the provision that a written confirmation is received that the product will be sent to the customer, as well as a written confirmation that the Product vendor refuses to refund the purchase amount paid by the customer.

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 kahjud@bta.ee.

You also can use a a Citadele Concierge service that will explain the insurance terms and help you with any questions you may have. Just call +371 6710 7610.