Travel insurance

Travel insurance is a cornerstone of carefree travel. When purchasing a trip or immediately after the purchase, make sure you also acquire travel insurance with a suitable period of validity, sufficient sums insured and a sufficient cover.

Travel insurance covers unexpected and unforeseeable accidents or illnesses abroad as well as travel interruption and luggage insurance events. Furthermore, you can purchase additional insurance covers.

The target market of travel insurance comprises permanent residents of Estonia and persons who begin their journey in Estonia.

We offer both short-term travel insurance and recurring travel insurance. You can choose a period of insurance from a single day up to a whole year.

Always choose the extent of insurance cover and region of insurance according to the destination and purpose of your trip.

• Insurance covers

  There are different types of insurance cover that you can choose from. Insurance covers must be selected carefully depending on the destination and purpose of your trip. Make sure to carefully read the travel insurance terms and conditions.

  Medical expenses insurance

  In Estonia, medical assistance is available every day and does not require a separate insurance. However, when travelling, you can benefit from medical expenses insurance, which covers the medical expenses and transport costs incurred due to unexpected illness or an accident. If a doctor prescribes that the patient requires urgent transport to Estonia, the related costs are also indemnified. Additionally, the transport and accommodation costs related to a later return trip are covered, if the insured person cannot return to Estonia as planned due to a medical expenses insurance event.

  Medical expenses insurance also covers:

  • costs related to first aid for dental emergencies (e.g. unexpected tooth ache) up to 500 euros;
  • treatment costs incurred as a result of a sudden exacerbation of a long-term illness, if travelling was permitted;
  • expenses of necessary medical assistance caused by unexpected pregnancy complications (before the 28^th week of pregnancy);
  • funeral costs (except the cost of the funeral feast and travel costs of persons participating in the funeral) and/or transport costs of the body to Estonia.

  Treatment expenses may vary greatly by countries, which is why we recommend selecting the insured amount carefully depending on the destination and duration of your trip. The selected sum insured is valid per traveller.

  • Risky activities (including sports) cover If you engage in risky activities (including sports) in a foreign country, this must be indicated in the policy. Risky activities are, for instance, mountain skiing, snowboarding, recreational diving, bicycling, mountain and water hiking, and participating in training, training camps and/or sports events. The detailed list and exceptions can be found in the insurance terms and conditions.
  • Physical work cover If you engage in physical work in a foreign country, it must be indicated in the policy. Physical work is, for example, working as a car or bus driver, forestry, agricultural or construction worker, machine or equipment operator, catering worker, hotel attendant and cleaner. The detailed list and exceptions can be found in the insurance terms and conditions.

  Personal accident insurance

  Personal accident insurance is valid together with medical expenses insurance. If, as a result of an accident that occurred on a trip, the insured person dies or loses their capacity for work either partially or fully, a personal accident insurance indemnity of up to 10,000 is paid.

  Travel interruption insurance

  Travel interruption insurance helps you in situations where your trip is unexpectedly interrupted, cancelled altogether, or your travel plans change, for example due to transport-related disruptions or other unforeseen events. We recommend choosing the sum insured of travel interruption insurance depending on the initial travel costs, to which any possible additional costs must be added for situations where you need to return unexpectedly. The selected sum insured is valid per traveller.

  Travel interruption insurance covers any expenses that incur as a result of:

  • trip cancellation, i.e. when a trip does not take place, for example due to illness, an accident, significant damage to your home or other reasons specified in the insurance terms and conditions. In this case, the cost of unused services in connection with the trip (e.g. accommodation, airline tickets, car rental, concert tickets, excursions), which the insured person is not entitled to recover from the tour operator or travel service provider, is  indemnified.
  • late arrival for a trip, i.e. when travel plans change, for example due to a delay in the means of transport,  being involved in a traffic accident, adverse weather conditions, a technical failure of the vehicle, overbooking, theft of identity documents, or other reasons specified in the insurance terms and conditions. The necessary additional reasonable transportation and accommodation expenses incurred to continue the trip or return to Estonia, or the cost of travel services left unused due to the insured event, are indemnified. In the event of a change in the flight schedule of scheduled flights made by the air carrier after the tickets have been purchased, the ticket change fee and the additional cost of new tickets resulting from the change to the same destination will be indemnified up to €200.
  • travel interruption, i.e. when a trip that has already begun must be unexpectedly interrupted or the destination is reached later than planned. The necessary additional reasonable transportation and accommodation expenses, or the cost of travel services left unused due to the insured event, will be indemnified in accordance with the insurance terms and conditions.

  Please note! The trip cancellation cover starts 72 hours after the premium is paid, which is why it is very important to purchase insurance immediately after booking your trip.

  Travel interruption insurance additional covers You can also select travel interruption additional cover and waiving the trip additional cover in addition to your travel interruption insurance.

  Travel interruption additional cover supplements the travel interruption insurance and covers expenses if a trip is  cancelled or travel plans change due to a natural disaster, an act of terrorism, a work stoppage or a strike in the transport company used for travel or the company providing services to it.

  It also covers situations if a trip is cancelled because a public event or work-related meeting that was the purpose of the travel is unexpectedly cancelled, or if a flight is delayed by more than 4 hours and the insured person cannot reach the planned event or meeting.

  Waiving the trip additional cover enables you to abandon your trip for any reason.

  It is important to consider that:

  • the cost of transport, accommodation, or other services which the insured person was unable to use and which the service provider was unable to reimburse;
  • deductible of 30% shall be deducted from the amount eligible for indemnification;
  • waiving the trip additional cover is valid if the insurance contract is taken out no later than two weeks after the trip is booked or otherwise contracted.

  Please note! The waiving the trip additional cover does not apply if the border of the country of destination is closed at the moment the insurance contract is concluded or cover is added, and this situation will continue until the date of departure.

  If you wish to purchase waiving the trip additional cover, please contact our customer service.

  Luggage insurance

  Luggage insurance covers the personal items and clothing taken by the insured person on the trip.

  Make sure to read the detailed list, which can be found in the insurance terms and conditions.

  Luggage insurance covers the expenses you incur if your luggage is stolen, damaged, destroyed or its arrival to the destination country is delayed for more than four hours due to a transport company’s fault.

  It is important to consider that:

  • in the event of your luggage getting damaged or destroyed, the repair costs or the market price less the deductible is indemnified;
  • in the event of delayed luggage, the reasonable cost of purchasing or hiring essential items (e.g. basic clothing, toiletriesetc.) and essential items required for the purpose of the trip (e.g. sports equipment, formal attire) abroad, up to a total of 25% of the sum insured under the luggage insurance;
  • in the event of the theft or robbery of an identity document abroad, the reasonable and justified cost of identity documents strictly necessary for the continuation of the journey will be indemnified.

  We recommend choosing the sum insured of luggage insurance depending on the contents of your luggage and the value of items therein. The selected sum insured is valid per traveller.

  Liability insurance

  Liability insurance covers unexpected and unforeseeable material damage or personal injuries caused to third parties, for which the insured person is legally obligated to indemnify. Liability insurance also covers the costs of legal assistance.

  For example, we will indemnify the medical costs in relation to a bodily injury unintentionally caused by the insured person to a third party. We will also indemnify the cost of a vase as an item of goods in the store if you accidentally bump into it and it breaks.

  The insurance amount of 35,000 euros applies to all insured persons insured under one contract. A deductible of 60 euros is applied in the case of liability insurance.

  Rental car deductible insurance

  Rental car deductible insurance covers any claims issued by a car rental company against the lessee in relation to damage to or theft or robbery of a passenger car rented in a foreign country. The deductible specified in the rental contract is indemnified up to the insurance amount specified in the insurance contract.

  The rental car insurance deductible is 2,000 euros, which applies to all insured persons insured under one contract.

  If you wish to purchase rental car deductible insurance, please contact our customer service.

• Regions of insurance

  Always choose the region depending on your destination, so that all countries that you pass through during your trip are covered.

  Travel insurance regions are as follows:

  • Nordic countries: Finland, Sweden, Denmark, Norway, Iceland, Latvia and Lithuania;
  • Europe, except Egypt and Turkey: Europe*, United Arab Emirates, Israel, Canary Islands, Morocco, Tunisia;
  • Europe, including Egypt and Turkey: Europe*, United Arab Emirates, Israel, Canary Islands, Morocco, Tunisia, Egypt, Turkey;
  • the whole world, except Australia, Canada and the USA;
  • the whole world, including Australia, Canada and the USA. 

  Please note! Depending on the region selected, the insurance cover is not valid on the territory of Russian Federation, Belarus and Ukraine.

  *Europe: Albania, Andorra, Armenia, Azerbaijan, Austria, Belgium, Bosnia-Herzegovina, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Finland, France (except overseas regions), Georgia, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Spain, North Macedonia, Malta, Moldova, Monaco, Montenegro, the Netherlands, Norway, Poland, Portugal(incl. Madeira and Azores), Romania, San Marino, Serbia, Slovakia, Slovenia, Sweden, Switzerland, the United Kingdom, Vatican City.

  Please note! Regardless of the selected region, insurance coverage does not apply in the territories of the Russian Federation, Belarus, or Ukraine, nor in any region or country for which an official warning or recommendation to avoid travel has been issued prior to the start of the trip.