- Travel medical insurance with at least €30,000 in medical coverage is required for Schengen visa applicants for Lithuania.
- Lithuania is known for Baltic Sea water activities, making travel insurance policies with an adventure-sports add-on crucial.
- If you are a non-EU citizen requiring a Schengen visa, you must purchase travel medical insurance before applying for your Schengen visa.
- Comprehensive travel insurance is recommended for US citizens traveling to Lithuania, while travel medical insurance is recommended for international travelers.
Do You Need Travel Insurance for Lithuania?
If you need a Schengen visa, travel insurance is strictly required. For detailed policy guidelines and minimum coverage amounts, please visit our Schengen Visa Travel Insurance Requirements page.
For Schengen visa applicants: For a Schengen visa application for Lithuania, you must purchase a travel medical insurance plan with at least €30,000 in medical coverage.
For non-visa travelers: Travelers from countries like the U.S., U.K., or Canada are not required to obtain a visa, meaning travel insurance is not legally required. However, travel insurance is still recommended to protect travelers against high medical expenses.
Types of Travel Insurance Policies
There are two types of travel insurance plans: travel medical insurance and comprehensive travel insurance.
Travel medical insurance is primarily designed for health emergencies and situations, and can cover the cost of hospital stays, emergency room visits, doctor consultations, prescription medications, and medical evacuation. Travel medical insurance is mandatory for travelers applying for a Schengen visa.
Comprehensive travel insurance covers trip related situations like delays, cancellations, loss of baggage, and provides medical coverage. Travel insurance is highly recommended for U.S. citizens traveling to Lithuania.
Best Travel Insurance Plans for U.S. Citizens to Lithuania
- Best Travel Insurance with Premium Medical Coverage: iTravelInsured Travel LX
- Best Affordable Travel Insurance for Lithuania: Trip Protection Basic
- Best Travel Insurance for Travelers with Pre-Existing Conditions: Pathway Premium
Travel Medical vs. Comprehensive: What Do They Cover?
The table below shares the features that both travel medical insurance and comprehensive travel insurance can cover:
| Feature | Travel Medical Insurance | Comprehensive Travel Insurance |
|---|---|---|
| Medical Expenses | ✓ | ✓ |
| Emergency Evacuation | ✓ | ✓ |
| Trip Cancellation | ✗ | ✓ |
| Baggage Loss/Delay | ✗ | ✓ |
| Trip Interruption | ✗ | ✓ |
| Typical Cost | 3-5% of trip | 8-10% of trip |
| Best For | Budget travelers | Full protection seekers |
To learn more about how to select between both policies, see the differences between travel medical vs. comprehensive travel insurance.
Insurance Costs by Traveler Profile
The chart below displays estimated travel insurance costs for one week, two weeks, and 30 days depending on the age of the traveler.
| Traveler Type | 7 Days | 14 Days | 30 Days |
|---|---|---|---|
| Solo (25yo) | $27-55 | $49-109 | $87-164 |
| Couple (35yo) | $55-98 | $93-185 | $164-305 |
| Family (4) | $76-142 | $131-240 | $196-360 |
| Senior (65-70) | $65-131 | $109-218 | $164-327 |
| Senior (70+) | $98-196 | $164-327 | $245-490 |
Prices are shown in EUR and USD. Actual costs will vary by provider, age, and coverage amount.
Healthcare Costs in Lithuania
Lithuania has a developing healthcare system with budget-friendly costs for foreign visitors.
| Service | Cost |
|---|---|
| Doctor Visit | EUR 25-45 ($27-49) |
| Emergency Room | EUR 90-200 ($98-218) |
| Hospital Per Day | EUR 150-350 ($164-382) |
Lithuania is emerging in dental and wellness tourism (35-50% cheaper than Western Europe). If undergoing elective procedures, ensure evacuation coverage of EUR 75,000+ ($82,000+) for dental tourism.
Key Health & Safety Risks
Baltic Coastal & Water Activities
While Lithuania’s coast is beautiful, the Baltic Sea has unique characteristics that pose specific risks for travelers engaging in water sports or swimming. While the surf usually looks gentle, strong winds blowing from the sea to the coast can create powerful, localized rip currents. Tourists frequently bike on the coastal trails or participate in active sports like wakeboarding and kitesurfing. Ensure that your travel insurance policy offers an adventure-sports add on if taking part in such activities, as standard policies will typically exclude such.
Winter Road Conditions
Temperatures frequently hover around freezing in Lithuania, creating invisible black ice on highways and rural roads. Heavy snowstorms can also reduce visibility and make secondary roads dangerous. By Lithuanian law, all passenger cars must switch to winter-rated tires (bearing the three-peak mountain snowflake symbol) between November 10 and April 1.
Currency & Payment Information
Lithuania uses the Euro (€) as its currency. Lithuania is virtually a cashless society, so you can go your entire trip using just a card or your phone. If you do want some emergency cash for a rural market or a tiny roadside stand, ATMs (Bankomatas) are widely available.
Special Travel Insurance Considerations
Visa Applicants & Adventure Travelers
If you are a non-EU citizen requiring a visa, you must secure compliant travel medical insurance before applying for your Schengen visa. Your policy must provide at least €30,000 in medical coverage. For complete application steps, please visit our Schengen Visa Requirements page.
Green Card Holders
Holding a U.S. Green Card does not automatically grant you visa-free access into Lithuania. Your entry requirements are based entirely on the country that issued your passport, not your U.S. permanent residency status.
Long-Stay Visas (90+ days)
If you are planning to work, study, or live in Lithuania long-term, you will need to secure a long-stay visa. This requires a travel medical insurance policy with a minimum of €30,000 in coverage that remains active for your entire stay.
Pre-existing Medical Conditions
You can still purchase travel insurance if you have a pre-existing condition, provided you declare it. Standard travel insurance plans will usually not cover existing conditions. This means that if you are seeking coverage for sudden condition flare-ups, you will need acute onset coverage. A comprehensive travel insurance plan can provide full coverage for treatments and medical procedures.
Vaccination Recommendations
Before your trip to Lithuania, be sure you are up to date with all standard vaccinations, and have the required vaccines for your destination.
Before You Go: Safety & Security
Lithuania is rated Level 1 — Exercise Normal Precautions. Very safe overall. Safety concerns may include petty crime in Vilnius, or taxi issues (use apps: Bolt, Uber). Cultural tourism and nature-based activities are popular.
Pre-trip action: Review the State Department’s travel advisory, register with STEP (Smart Traveler Enrollment Program), and share your travel plans and itinerary with family or friends.
Frequently Asked Questions About Traveling to Lithuania
U.S. Embassy & Emergency Contact
- Address: Akmenu g. 6, Vilnius LT-03106, Lithuania
- Phone: 370 5 266 5500
- After-hours Emergency: 370 5 266 5500
- 24/7 US State Department: 1-202-501-4444 (abroad) or 1-888-407-4747 (US/Canada)
Travel insurance can be confusing. Coverage, exclusions, benefits, and policy limits vary from plan to plan, and prices depend on factors such as your age, destination, and trip. Comparing plans is the best way to find the right coverage at the best value. If you’re unsure, a licensed travel insurance advisor can help you choose the right policy.
