What Are the Best Travel Insurance Plans for Lithuania in 2025?
- The best travel insurance plans for Lithuania
- Is it currently safe to travel to Lithuania?
- Is travel insurance required to enter Lithuania?
- Why take out travel insurance for Lithuania?
- What travel insurance for Lithuania should cover
- The cost of travel insurance for Lithuania
- How can you pay less for your travel insurance to Lithuania?
- Will your current insurance cover you in Lithuania?
- FAQ
Travel insurance for Lithuania: key takeaways
1. Definition: Travel insurance for Lithuania 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 emergencies.
3. Healthcare cost: Healthcare is modern, but a hospital stay can cost several hundred dollars per night for foreigners.
4. Price: A one-week travel insurance plan for Lithuania typically costs between $30 and $60 USD.
5. Good to know: Your domestic US health insurance, including Medicare, likely offers no coverage in Lithuania.
Why trust HelloSafe?
HelloSafe is an international specialist in travel insurance comparison, advising over one million travelers every month. After analyzing 41 travel insurance policies available in the US, our experts share everything you need to know to choose the best travel insurance for Lithuania.
The best travel insurance plans for Lithuania
| Contract we recommend | Medical reimbursement limit | Our view |
|---|---|---|
| HelloTravel Premium | $1.1M | Our recommendation for comprehensive travel to Lithuania. - very high medical limit - includes repatriation - broad range of covered incidents |
| Cap Assistance 24/24 | $1.1M | A flexible and reliable plan suitable for Lithuania trips. - 24/7 support - cancellation included - no deductible |
| Tourist Card | $550k | Ideal for tourism in Lithuania at competitive pricing. - robust emergency coverage - direct payment to hospitals - good value offer |
| Travel Pass Monde | $770k | A balanced package for extensive travels. - covers major health risks - civil liability included - hospital expenses insured |
| Globe Partner | $330k | Good option for essential coverage in Lithuania. - basic medical reimbursement - repatriation covered - straightforward policy terms |
| Globe Traveller | $550k | Recommended for short, low-risk Lithuania visits. - essential medical protection - fast claims - focused on affordable needs |
- very high medical limit
- includes repatriation
- broad range of covered incidents
- 24/7 support
- cancellation included
- no deductible
- robust emergency coverage
- direct payment to hospitals
- good value offer
- covers major health risks
- civil liability included
- hospital expenses insured
- basic medical reimbursement
- repatriation covered
- straightforward policy terms
- essential medical protection
- fast claims
- focused on affordable needs
Is it currently safe to travel to Lithuania?
As of June 2025, the US Department of State advises that Lithuania is at Level 1: exercise normal precautions, with no official restrictions against travel for US citizens.
Here are their four main recommendations.
- Security risks: Lithuania is generally very safe, but petty theft and pickpocketing can occur in Vilnius Old Town and near tourist landmarks such as Gediminas Tower. Exercise caution in crowded public spaces and on public transport.
- Health risks: medical services in major cities are adequate, but access may be limited in rural municipalities. Tick-borne encephalitis is present in forested regions like Dzūkija National Park, especially between May and October.
- Legal requirements: carry your passport at all times, as local police may conduct identity checks. Fines for minor offenses such as jaywalking or alcohol consumption in public are enforced in cities like Kaunas and Klaipėda.
- Environmental factors: snow and icy conditions in winter months, particularly November to March, can make roads hazardous in rural areas. Emergency services are accessible via 112 with English-speaking operators available.
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 Lithuania.
Is travel insurance required to enter Lithuania?
No, travel insurance is not mandatory for travelers from the United States to enter Lithuania for tourism or business stays of up to 90 days.
However, it is strongly recommended because US health insurance is not accepted for services in Lithuania, and all non-EU visitors must have proof they can cover medical and hospital costs. Travel insurance provides vital coverage for unexpected illnesses, accidents, and evacuation back to the US if medically needed.
According to our data, 50% of travelers purchase travel insurance before going to Lithuania. This is due to the country’s reputation for safety but limited access to free medical care for foreigners.
Why take out travel insurance for Lithuania?
It is an essential financial and medical protection for anyone going to Lithuania.
Although public health care in Lithuania is available, foreigners often pay out-of-pocket and are typically treated in private clinics, such as Kardiolita Hospital in Vilnius or Kaunas Clinics. Costs can rise quickly for serious illness or injuries, and English-speaking medical staff are more common in private facilities, which are more expensive.
Travel insurance covers medical expenses, hospitalization, medication, ambulance transport, and repatriation to the United States in the event of a serious issue.
Here are some examples of healthcare costs in Lithuania.
| Example of medical treatment | Cost at Kardiolita Hospital | Covered by travel insurance |
|---|---|---|
| I have to be hospitalized 48 hours after contracting an infection | €750 (about $810) | up to 100% |
| I broke my tibia (X-ray, cast, and crutch rental) | €1,100 (about $1,185) | up to 100% |
| I need to be repatriated | €12,000 (about $12,900) | up to 100% |
| I have appendicitis (consultation and surgery) | €4,800 (about $5,170) | 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 travel insurance for Lithuania should cover
Here is a summary table of the main coverages you should look for in a travel insurance policy for Lithuania.
| Main coverages | Explanations and recommendations |
|---|---|
| 🏥 Medical expenses | Covers hospitalization, doctor visits, and prescriptions for accidents or illness in Lithuania. We recommend a minimum limit of $75,000. |
| 🚑 Medical evacuation | Pays for transfer to a better-equipped hospital or repatriation to the United States. Look for a limit of at least $100,000. |
| 💼 Baggage theft or loss | Covers stolen, damaged, or lost suitcases and personal items. A $2,500 limit per trip is usually sufficient. |
| 📅 Trip cancellation/interruption | Reimburses unused, nonrefundable costs if a trip is canceled or interrupted by emergencies. Opt for a minimum of $5,000 coverage. |
| ⛔ Personal liability | Pays for damages or injuries accidentally caused to others. Choose at least $500,000 in coverage for peace of mind. |
| 🏃♂️ Personal accident | Provides a lump sum in case of accidental death or permanent disability during the stay. Recommended limit: $25,000. |
| 📞 24/7 emergency assistance | Includes multi-language helplines for medical, legal, and logistical emergencies. Ensure this feature is present in the policy. |
| 💊 Pre-existing condition coverage | Covers sudden medical complications related to existing conditions (varies by insurer and plan). Check policy limits and exclusions carefully. |
We recommend a minimum limit of $75,000.
Look for a limit of at least $100,000.
A $2,500 limit per trip is usually sufficient.
Opt for a minimum of $5,000 coverage.
Choose at least $500,000 in coverage for peace of mind.
Recommended limit: $25,000.
Ensure this feature is present in the policy.
Check policy limits and exclusions carefully.
Travel insurance from local providers or bank cards often covers little, sets low maximums, and excludes many risks. Select a reputable US insurer with comprehensive coverage. Compare the best options on HelloSafe and purchase online for immediate proof of insurance.
The cost of travel insurance for Lithuania
| Trip duration | Traveler’s age | Indicative price per person |
|---|---|---|
| 1 week | 25 years old | $21 |
| 2 weeks | 45 years old | $39 |
| 1 month | 35 years old | $60 |
| 1 month | 70 years old | $125 |
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, trip duration, destination, and any optional coverage like trip cancellation. Keeping these in mind is crucial for selecting the right plan. This ensures you get the protection you need for your travels without any unexpected costs.
💡 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 Lithuania?
Here are some suggestions to optimize the cost of your travel insurance to Lithuania while keeping good coverage:
| Criteria | Why it matters | Expert tip |
|---|---|---|
| 🕒 Trip duration | The length of your stay directly affects the price, with longer trips being more expensive. | Buy coverage only for your days in Lithuania instead of extra buffer days to pay the lowest possible premium. |
| 👤 Traveler’s age | Insurers adjust premiums by age bracket, especially for seniors, affecting cost. | Consider age-neutral insurers. Heymondo does not increase its prices for people over 62, which can save money. |
| 🩺 Level of coverage | Medical costs for tourists can be high in Lithuania, so selecting the right cover amount is crucial. | Select only needed benefits and keep medical coverage at an appropriate level for Lithuania’s healthcare costs. |
| 👨👩👧 Group coverage | Traveling as a family or group can make coverage more affordable per person. | Use family or group policies to lower the average rate compared to buying individual policies for everyone. |
| 🧳 Baggage coverage | Baggage protection is useful due to risk of mishandling at airports or on trains. | Lower baggage limits if you are not carrying valuable items, to reduce the premium for nonessential coverage. |
| 🧗♂️ Activities covered | Adventure sports like hiking or biking may require extra cost in a policy for Lithuania. | Add extra coverage only if needed for adventure activities, otherwise avoid paying for unnecessary options. |
| 💵 Deductible amount | The higher your deductible, the lower your premium, but you assume more risk in case of claims. | Increase your deductible only to a level you can easily afford if you need to make a claim. |
Will your current insurance cover you in Lithuania?
It is completely legitimate to wonder whether your current coverage, such as credit card insurance or public health insurance, will protect you during your trip to Lithuania. Unfortunately, this protection is often quite limited or insufficient, especially regarding emergencies and medical expenses abroad.
Here is a summary table to help you review your current insurance and what it covers.
| Type of insurance | Valid in Lithuania? | What it covers | Why Travel Insurance is better |
|---|---|---|---|
| Public health insurance (Medicare, Medicaid) | No, never | No overseas coverage, excludes medical expenses, hospitalization, and evacuation abroad. | Travel insurance provides up to $100,000+ for emergency care, hospitalization, and evacuation. |
| Private health insurance (Aetna, Cigna, UnitedHealthcare) | Yes, partly | May reimburse some costs after return, excludes most emergency evacuation or medical transport abroad. | Travel insurance pays $100,000+ on site, includes medical evacuation and repatriation support. |
| Classic credit card (Chase Freedom, Citi® Diamond, Capital One Platinum) | Yes, partly | Accidental/medical cover up to $5,000-$10,000, little or no baggage or cancellation coverage. | Travel insurance can offer $100,000+ for medical, with baggage and trip cancellation included. |
| Premium credit card (Chase Sapphire Reserve, Amex Platinum, Capital One Venture X) | Yes, partly | Medical cover $50,000–$150,000, some travel delay and baggage loss, may exclude evacuation. | Travel insurance adds $5,000+ trip cancellation, includes evacuation not covered by cards. |
Example
While biking on Lithuania's Curonian Spit, Sarah suffered a severe concussion. Emergency care and a hospital stay in Klaipėda cost $18,000. Her US health plan had no out-of-network international coverage, and her Chase Sapphire card's insurance only covered $1,500, leaving her to pay a shocking $16,500 out-of-pocket.
Expert advice
Always check the terms, exclusions, and limits of your existing insurance coverage. Essential situations, like trip interruption for 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 Lithuania?
U.S. citizens do not need a visa for tourist stays up to 90 days in Lithuania within a 180-day period. You must hold a passport valid for at least three months beyond your stay, have sufficient funds, and provide proof of a return or onward ticket upon arrival.
How do I purchase travel insurance for Lithuania?
Start by comparing travel insurance plans using the HelloSafe travel insurance comparison tool. Carefully review coverage details and exclusions, considering Lithuania-specific risks such as health system limitations outside urban areas. Complete your purchase online and receive your insurance certificate immediately, which is useful to carry with you.
What health risks should I consider when visiting Lithuania?
While medical care in Lithuania’s cities is good, services may be limited in rural regions. Diseases such as tick-borne encephalitis, Lyme disease, and tuberculosis are present, so adequate insurance can cover treatment if needed and help with medical transport should any issues arise.
Does my U.S. health insurance work in Lithuania?
Most U.S. health insurance policies, including Medicare, do not provide coverage abroad. You may have to pay out-of-pocket for hospitalization or emergencies in Lithuania without dedicated travel insurance. Securing specific travel insurance ensures financial protection for accidents or illnesses during your stay.
Are adventure and recreational activities covered by travel insurance for Lithuania?
Policies vary, so always check if your plan covers hiking, cycling, or similar outdoor activities popular in Lithuania. Some standard policies exclude these risks or require you to pay extra. Selecting a plan with coverage for sports, accidents, and medical evacuation is important for active travelers.
What should I do in case of a medical emergency in Lithuania?
In a medical emergency, you can dial 112 for immediate assistance; English-speaking operators are usually available. Your travel insurer can also provide a 24/7 emergency helpline for medical guidance, help with payments, or arranging evacuation if required. Always keep your insurance details handy during your trip.
Do I need a visa to travel to Lithuania?
U.S. citizens do not need a visa for tourist stays up to 90 days in Lithuania within a 180-day period. You must hold a passport valid for at least three months beyond your stay, have sufficient funds, and provide proof of a return or onward ticket upon arrival.
How do I purchase travel insurance for Lithuania?
Start by comparing travel insurance plans using the HelloSafe travel insurance comparison tool. Carefully review coverage details and exclusions, considering Lithuania-specific risks such as health system limitations outside urban areas. Complete your purchase online and receive your insurance certificate immediately, which is useful to carry with you.
What health risks should I consider when visiting Lithuania?
While medical care in Lithuania’s cities is good, services may be limited in rural regions. Diseases such as tick-borne encephalitis, Lyme disease, and tuberculosis are present, so adequate insurance can cover treatment if needed and help with medical transport should any issues arise.
Does my U.S. health insurance work in Lithuania?
Most U.S. health insurance policies, including Medicare, do not provide coverage abroad. You may have to pay out-of-pocket for hospitalization or emergencies in Lithuania without dedicated travel insurance. Securing specific travel insurance ensures financial protection for accidents or illnesses during your stay.
Are adventure and recreational activities covered by travel insurance for Lithuania?
Policies vary, so always check if your plan covers hiking, cycling, or similar outdoor activities popular in Lithuania. Some standard policies exclude these risks or require you to pay extra. Selecting a plan with coverage for sports, accidents, and medical evacuation is important for active travelers.
What should I do in case of a medical emergency in Lithuania?
In a medical emergency, you can dial 112 for immediate assistance; English-speaking operators are usually available. Your travel insurer can also provide a 24/7 emergency helpline for medical guidance, help with payments, or arranging evacuation if required. Always keep your insurance details handy during your trip.
