What are the best travel insurances for Latvia in 2025?
- The best travel insurance plans for Latvia
- Current Travel Safety in Latvia
- Travel Insurance Requirements for Entering Latvia
- Why take out travel insurance for Latvia?
- What your travel insurance for Latvia should cover
- The cost of travel insurance for Latvia
- How can you pay less for your travel insurance to Latvia?
- Your current insurance coverage in Latvia
- FAQ
Travel insurance for Latvia: key takeaways
1. Definition: Travel insurance for Latvia covers medical emergencies, trip cancellation, and lost luggage during your visit.
2. Key protection: Insurance is not mandatory for US citizens, but it is highly recommended for medical coverage.
3. Healthcare cost: Healthcare costs can be high; a hospital night can average over $300 for foreign visitors.
4. Price: A basic one-week travel insurance plan for Latvia typically costs between $25 and $50.
5. Good to know: Your US health insurance, including Medicare, likely provides no coverage in Latvia.
Why trust HelloSafe?
HelloSafe is an international specialist in travel insurance comparison, advising over one million travelers every month. After analyzing 38 travel insurance policies available in the US, our experts share everything you need to know to choose the best travel insurance for Latvia.
The best travel insurance plans for Latvia
| Contract we recommend | Medical reimbursement limit | Our view |
|---|---|---|
| HelloTravel Premium | $1.08M | A strong choice for Latvia with high coverage and global support. high medical ceilingrepatriationwide coverage |
| Cap Assistance 24/24 | $1.08M | Designed for short trips, this plan mixes sound guarantees and flexible service. 24/7 helplinecancellationno deductible |
| Tourist Card | $540k | Core protections at a competitive limit for tourists in Latvia. good medical coveremergency helpclear terms |
| Travel Pass Monde | $756k | Balanced for international travelers seeking comprehensive support. repatriationhospital coveragemulti-country validity |
| Globe Partner | $324k | An accessible entry-level contract with essential coverage and simple claims. care abroadrepatriationcivil liability |
| Globe Traveller | $540k | For affordable and simple trips to Latvia, covering the basics. essential medical coverquick reimbursementscapped benefits |
high medical ceilingrepatriationwide coverage
24/7 helplinecancellationno deductible
good medical coveremergency helpclear terms
repatriationhospital coveragemulti-country validity
care abroadrepatriationcivil liability
essential medical coverquick reimbursementscapped benefits
Current Travel Safety in Latvia
As of June 2025, the US Department of State advises that Latvia is considered safe for travel, with a vigilance level set at “exercise normal precautions.” No official restrictions are in place for any region of the country.
Here are their four main recommendations.
- Security risks: petty crime such as pickpocketing is a concern in crowded places and on public transit in Riga. Occasional scams affecting tourists have been reported in nightlife districts.
- Health risks: while no vaccines are mandatory, tick-borne encephalitis and Lyme disease are common in rural and forested areas during spring and summer. Healthcare quality varies and may be limited outside major cities.
- Legal constraints: driving under the influence is strictly punished, and seatbelt use is mandatory for all passengers. Carrying your passport at all times is required by law.
- Cultural norms: respect for local customs is expected. Modest attire is suggested in churches and public events, and public drunkenness can lead to fines or police detention.
Although not required, travel insurance is strongly recommended by the US Department of State, particularly to cover medical expenses and emergency repatriation, which can be extremely costly in Latvia.
Travel Insurance Requirements for Entering Latvia
Travel insurance is not mandatory for travelers from the US to enter Latvia for stays of up to 90 days under the visa-free regime.
It is still strongly recommended to purchase travel insurance before traveling. Medical care, especially outside major cities, can be limited, and costs for emergency care or repatriation are often high. Insurance also offers protection against unforeseen incidents such as flight cancellations, theft, or accidents.
According to our data, 50% of US travelers purchase travel insurance before going to Latvia. This is mainly because Latvia is considered a very safe country in Europe.
Why take out travel insurance for Latvia?
It is an essential financial and medical protection for anyone going to Latvia.
In Latvia, medical treatment is often available at large hospitals in Riga, such as Pauls Stradins Clinical University Hospital, but facilities outside the capital can be basic and public care may be below Western standards. Private clinics, such as Capital Clinic Riga, are costly and often the main option for foreigners, especially in emergencies.
Travel insurance covers medical fees, hospitalization, medication, ambulance transport and emergency repatriation to the US in the event of a serious incident.
Here are some examples of healthcare costs in Latvia.
| Example of medical treatment | Cost at Capital Clinic Riga | Covered by travel insurance |
|---|---|---|
| I have to be hospitalized 48 hours after contracting an infection | 1,200 EUR (about $1,300) | up to 100% |
| I broke my tibia (X-ray, cast, and crutch rental) | 900 EUR (about $980) | up to 100% |
| I need to be repatriated | 25,000 EUR (about $27,000) | up to 100% |
| I have appendicitis (consultation and surgery) | 2,200 EUR (about $2,350) | up to 100% |
These prices are given as an indication and may vary depending on the facilities and regions.
It is therefore essential to take out appropriate travel insurance to avoid unexpected and potentially high expenses.
What your travel insurance for Latvia should cover
| Main coverages | Explanations and recommendations |
|---|---|
| 🏥 Medical expenses | Covers urgent medical treatment if you fall ill or have an accident. Minimum recommended reimbursement limit: $100,000. |
| 🚑 Medical evacuation | Pays for transport to the nearest hospital or repatriation if you are seriously injured or ill. Minimum recommended reimbursement limit: $100,000. |
| 🏨 Hospitalization | Covers extended stay and care at a hospital, both treatments and room charges. Minimum recommended reimbursement limit: $50,000. |
| 💊 Medications | Reimburses the cost of prescription drugs due to emergency illness. Minimum recommended reimbursement limit: $1,500. |
| 🛄 Baggage and valuables | Protects against theft, loss, or delay of luggage and personal items. Minimum recommended reimbursement limit: $2,000. |
| ✈️ Trip cancellation | Covers nonrefundable travel costs if you must cancel due to a covered incident. Minimum recommended reimbursement limit: $3,000. |
| 🧑⚖️ Personal liability | Offers financial protection if you accidentally cause injury or property damage. Minimum recommended reimbursement limit: $50,000. |
Minimum recommended reimbursement limit: $100,000.
Minimum recommended reimbursement limit: $100,000.
Minimum recommended reimbursement limit: $50,000.
Minimum recommended reimbursement limit: $1,500.
Minimum recommended reimbursement limit: $2,000.
Minimum recommended reimbursement limit: $3,000.
Minimum recommended reimbursement limit: $50,000.
Travel insurance from local providers or bank cards often includes many exclusions and low limits that may not be sufficient for a trip to Latvia. It is safer to select a trusted insurer with full coverage. You can compare the best options on HelloSafe and subscribe online for instant certification.
The cost of travel insurance for Latvia
| Trip duration | Traveler’s age | Indicative price per person |
|---|---|---|
| 1 week | 25 years old | $18 |
| 2 weeks | 45 years old | $32 |
| 1 month | 35 years old | $55 |
| 1 month | 70 years old | $120 |
These prices are indicative and may vary depending on the coverage chosen and the specifics of each insurer.
Good to know
The price of your travel insurance is influenced by key factors: your age, the length of your stay, your destination, and any add-ons like cancellation coverage. More comprehensive plans or trips to remote locations typically cost more. Remember these variables to find a policy that fits both your travel plans and your wallet.
💡 It is always recommended to compare multiple offers to find the best value-for-money plan for you. You can use HelloSafe.
👉 Compare the best travel insurance for freeI compareHow can you pay less for your travel insurance to Latvia?
Here are some suggestions to optimize the cost of your travel insurance to Latvia while keeping good coverage:
| Criteria | Why it matters | Expert tip |
|---|---|---|
| 🌍 Trip duration | The longer your stay, the more you pay. Paying only for actual travel dates saves money. | Limit your coverage to the exact dates you'll be in Latvia for lower premiums. |
| 🧑🦳 Traveller's age | Insurance costs rise with age. Latvia has no special risk for older travelers but age can affect price. | The insurer Heymondo does not increase its prices for people over 62, so check their offers for possible savings. |
| 🏥 Level of coverage | Higher coverage offers better protection but costs more. Latvia’s healthcare is average. | Choose a middle range for medical benefits, not the highest, for the best price-quality ratio. |
| ✈️ Activities covered | Covering risky activities like extreme sports costs more, but Latvia is best known for mild outdoor sports. | Exclude high-risk sports if possible for cheaper rates. |
| 👨👩👦 Number of travelers | Group or family policies can result in overall discounts compared to separate contracts. | Opt for family or group plans to get a better price per person. |
| 💳 Payment method | Some credit cards provide basic coverage for international trips, reducing the need for extras. | Check your card benefits before purchasing extra coverage to avoid doubling protection. |
| 🗺️ Area of coverage | Worldwide plans cost more. Latvia is within Europe, so a regional plan will be less expensive. | Select Europe-only coverage instead of worldwide for lower premiums. |
Your current insurance coverage in Latvia
It’s completely legitimate to wonder if your current coverage, like credit card insurance or private health insurance, can cover you during a trip to Latvia. Unfortunately, these options are often limited or insufficient for travel emergencies or medical needs abroad. Here is a summary table to help you review your current insurance and what it covers.
| Type of insurance | Valid in Latvia? | What it covers | Why Travel Insurance is better |
|---|---|---|---|
| Public health insurance (Medicare, Medicaid) | No, never | No coverage outside US; does not cover overseas medical emergencies | Travel insurance covers up to $100,000 or more in foreign medical expenses and repatriation |
| Private health insurance (Aetna, Cigna, UnitedHealthcare) | Yes, partly | Some outpatient care abroad, but often excludes evacuation and repatriation | Travel insurance offers $100,000+ for care, evacuation, and 24/7 global support |
| Classic credit card (Visa Classic, Mastercard Standard, Discover) | Yes, partly | Medical expenses often capped < $5,000; baggage and cancellation rarely included | Travel insurance includes $100,000+ medical, lost bags, trip cancellation, and emergency travel services |
| Premium credit card (Chase Sapphire Preferred, Amex Platinum, Capital One Venture X) | Yes, partly | Medical fees < $50,000; some trip delay and baggage loss, varies by card | Travel insurance provides better support with higher medical, evacuation, trip and baggage protection limits |
Example
While hiking in Latvia, Mark contracted tick-borne encephalitis, requiring intensive care. The hospital bill hit $25,000. His US health plan had no overseas coverage, and his Platinum Card's travel insurance only covered $2,000 for medical emergencies, leaving him with a staggering $23,000 debt from his trip.
Expert advice
Always check the terms, exclusions, and limits of your existing insurance. Essential situations, like trip interruption due to a relative’s illness, might be excluded. Read the conditions carefully to avoid unpleasant surprises abroad. In all cases, it is safer and more reassuring to purchase a dedicated travel insurance policy tailored to your trip.
FAQ
Do I need a visa to travel to Latvia?
U.S. citizens do not need a visa to visit Latvia for tourist stays of up to 90 days within a six-month period. You must have a valid U.S. passport with at least six months' validity from the date of arrival. If you plan to stay longer or for other purposes, additional requirements may apply.
How do I purchase travel insurance for Latvia?
First, compare plans using the HelloSafe travel insurance comparison tool to find options that fit your needs and budget. Next, check the coverage limits and any exclusions, paying attention to Latvia-specific risks such as medical evacuation. Purchase your preferred plan online and you will receive your travel insurance certificate by email.
What medical coverage should I get for Latvia?
It is recommended that your policy covers at least $35,000 to $50,000 in medical expenses, including hospital stays and emergency medical evacuation. U.S. health insurance and Medicare do not cover you abroad, so dedicated travel insurance for Latvia ensures you have protection if you need treatment while traveling.
Are there health risks I should consider when traveling to Latvia?
Latvia has improving healthcare, but facilities outside major cities may not meet Western standards. Tick-borne illnesses, such as encephalitis and Lyme disease, are common, especially during warmer months. Strong travel insurance can help manage these risks by covering emergency care and possible medical evacuation.
What documents do I need to present for my travel insurance to be valid in Latvia?
You need to carry a copy of your travel insurance certificate, which shows your name, policy number, period of coverage, and emergency contact numbers. If you require a Schengen visa, your insurance must specifically state coverage for emergency medical expenses up to at least €30,000 (about $33,000).
Can I drive in Latvia with a U.S. driving license?
You must have both a valid U.S. driver's license and an International Driving Permit (IDP) to legally drive in Latvia. The IDP is a translation of your license and is required even for short visits, so arrange for it before leaving the United States.
Do I need a visa to travel to Latvia?
U.S. citizens do not need a visa to visit Latvia for tourist stays of up to 90 days within a six-month period. You must have a valid U.S. passport with at least six months' validity from the date of arrival. If you plan to stay longer or for other purposes, additional requirements may apply.
How do I purchase travel insurance for Latvia?
First, compare plans using the HelloSafe travel insurance comparison tool to find options that fit your needs and budget. Next, check the coverage limits and any exclusions, paying attention to Latvia-specific risks such as medical evacuation. Purchase your preferred plan online and you will receive your travel insurance certificate by email.
What medical coverage should I get for Latvia?
It is recommended that your policy covers at least $35,000 to $50,000 in medical expenses, including hospital stays and emergency medical evacuation. U.S. health insurance and Medicare do not cover you abroad, so dedicated travel insurance for Latvia ensures you have protection if you need treatment while traveling.
Are there health risks I should consider when traveling to Latvia?
Latvia has improving healthcare, but facilities outside major cities may not meet Western standards. Tick-borne illnesses, such as encephalitis and Lyme disease, are common, especially during warmer months. Strong travel insurance can help manage these risks by covering emergency care and possible medical evacuation.
What documents do I need to present for my travel insurance to be valid in Latvia?
You need to carry a copy of your travel insurance certificate, which shows your name, policy number, period of coverage, and emergency contact numbers. If you require a Schengen visa, your insurance must specifically state coverage for emergency medical expenses up to at least €30,000 (about $33,000).
Can I drive in Latvia with a U.S. driving license?
You must have both a valid U.S. driver's license and an International Driving Permit (IDP) to legally drive in Latvia. The IDP is a translation of your license and is required even for short visits, so arrange for it before leaving the United States.
