EKTA Review
Overview
EKTA (formerly ERGO Travel Insurance) is a European travel insurance provider based in Latvia, offering comprehensive coverage for travelers worldwide. They specialize in policies that meet Schengen visa requirements and provide medical coverage, trip cancellation, baggage protection, and 24/7 emergency assistance.
EKTA has become particularly popular among travelers visiting Europe, as their policies are specifically designed to meet the €30,000 minimum medical coverage required for Schengen visa applications. They offer both single-trip and multi-trip annual policies, with coverage available for trips up to 365 days.
As a Travelpayouts partner, EKTA is available through many travel booking platforms. Their policies are underwritten by a regulated European insurer, providing the legal protections that come with EU insurance regulations.
Key Features
- Medical emergency coverage worldwide
- Trip cancellation and interruption protection
- Baggage loss and delay coverage
- 24/7 emergency assistance hotline
- Flexible policy durations — days to a full year
- Digital policy documents delivered instantly
How EKTA Insurance Works
Purchasing and using EKTA travel insurance follows a simple process:
- Get a quote: Enter your travel dates, destination(s), and number of travelers. EKTA provides an instant quote based on your trip parameters.
- Choose your plan: Select from Basic, Standard, or Premium coverage tiers. Each tier offers different limits for medical expenses, trip cancellation, and baggage coverage.
- Purchase online: Pay by credit card and receive your policy documents instantly via email. Policies can be purchased up to the day of departure.
- Travel with coverage: If you need medical assistance, call the 24/7 emergency helpline. For Schengen countries, EKTA coordinates directly with local healthcare providers. For claims, submit documentation within 30 days of the incident.
Pricing & Plans
EKTA offers competitive pricing for European travel insurance:
- Basic plan: From €0.70/day — meets Schengen visa minimum (€30,000 medical). Covers emergency medical treatment and medical evacuation.
- Standard plan: From €1.20/day — €50,000 medical coverage plus trip cancellation (up to €2,000) and baggage coverage (up to €1,000).
- Premium plan: From €2.50/day — €100,000+ medical coverage, comprehensive trip cancellation, baggage, flight delay, and personal liability coverage.
- Annual multi-trip: From €45/year for frequent travelers — covers unlimited trips up to 45 or 90 days each.
Pricing varies based on destination, traveler age, and trip duration. Travelers over 65 pay higher premiums, and some high-risk destinations carry surcharges. EKTA's pricing is competitive with major European insurers and significantly cheaper than US-based providers for European travel.
What EKTA Covers
EKTA policies include the following coverage areas depending on your chosen plan:
- Emergency medical treatment: Hospital stays, surgery, outpatient care, prescription medications (€30,000–100,000+ depending on plan)
- Medical evacuation: Emergency transport to the nearest adequate medical facility, and repatriation to your home country
- Trip cancellation: Reimbursement of prepaid, non-refundable trip costs if you must cancel due to covered reasons (illness, injury, death of family member)
- Baggage loss/delay: Compensation for lost, stolen, or delayed baggage (24+ hour delay)
- Flight delay: Meal and accommodation expenses for delays exceeding 6 hours
- Personal liability: Coverage for accidental damage to third-party property
- 24/7 emergency helpline: Multi-language assistance for medical emergencies and travel disruptions
Notable exclusions: Pre-existing medical conditions (unless declared), adventure sports (without add-on), alcohol/drug-related incidents, travel against medical advice, and claims in countries under travel advisories.
Pros
- Comprehensive medical coverage for international travel
- Affordable pricing for long-term policies
- Instant online purchase and policy delivery
- Good coverage for digital nomads and remote workers
- European-regulated for reliability
Cons
- Pre-existing condition coverage may be limited
- Some adventure activities may require add-ons
- Customer support primarily in English and European languages
Best For
International travelers, digital nomads, and anyone needing flexible medical and trip coverage
Our Verdict
EKTA earns 4.3/5 in our review. It's an excellent choice for European travel, particularly for Schengen visa applicants who need affordable, compliant insurance. The pricing is very competitive — their Basic plan at €0.70/day is among the cheapest options that meet Schengen requirements.
The main strengths are price, Schengen compliance, and straightforward online purchasing. Weaknesses include limited coverage for adventure sports on basic plans, higher premiums for travelers over 65, and a claims process that can take 30–60 days.
We recommend EKTA for European travelers on a budget, Schengen visa applicants, and anyone looking for straightforward medical coverage without complex add-ons. For adventure-heavy trips or destinations outside Europe, consider supplementing with a provider that specializes in your specific activities. For flight compensation claims, pair EKTA with Compensair.