PZU logo
info

Info:
+372 622 4599

Up to 15% off when purchasing online

Travel insurance

Travel insurance is a cornerstone of carefree travel. When purchasing a trip or immediately after the purchase, make sure you acquire travel insurance with a suitable period of validity, sufficient sums insured and a sufficient coverage extent. PZU travel insurance covers unexpected and unforeseeable accidents or illnesses abroad as well as travel interruption and baggage insurance. Furthermore, it is possible to purchase additional insurance cover for travel interruption and baggage insurance.

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 are able to 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 nature of your trip.

  • Insurance cover

      Travel insurance helps you in various unpleasant situations that you may find yourself in during your trip.

      • Medical care insurance provides cover in case of an unexpected acute illness, accident or death of the insured person, including:
        • costs of outpatient and/or hospital care;
        • costs of examinations;
        • expenses on medicine and medical devices;
        • costs of dental first aid up to €200;
        • costs of unexpected complications related to pregnancy up to €1,500 (before the 28 th week of pregnancy);
        • costs of transport and accommodation of an injured or ill insured person in a foreign country;
        • costs of transport (return journey) and accommodation of one person accompanying the insured person up to €100 per day (for up to seven days);
        • funeral costs (expect for funeral feast and travel costs of persons participating in the funeral) and/or transport costs of the body or its ashes to the Republic of Estonia within up to €10,000;
        • costs of treatment in case of an acute attack of a chronic illness up to €1,500.
      • Travel interruption covers the costs of an abandoned trip, trip interruption and being late for a trip.
        • An abandoned trip is the non-occurrence of a trip that has been previously booked and purchased for the following reasons:
          • the illness, accident or death of the insured person, their family member or only travel companion;
          • a life-threatening state of health or death of a close relative of the insured person;
          • damage to the property of the insured person located in the Republic of Estonia due to which the personal presence of the insured person is inevitably required;
          • non-departure of a regular means of transport due to a traffic accident, technical failure or meteorological conditions, provided that the insured person has taken any and all required measures to ensure that the trip takes place pursuant to the itinerary;
          • involvement in an accident of the means of transport that is used for travelling to the point of departure or transit of the trip.
        • Trip interruption is the interruption of a trip that has already commenced for the following reasons:
          • the unexpected and acute illness, serious bodily injury or death of the insured person, their family member or travel companion;
          • a life-threatening state of health or death of a close relative of the insured person;
          • accident with or theft of the vehicle used for travelling if continuing the trip is no longer possible for this reason;
          • damage to the property of the insured person located in the Republic of Estonia due to which the personal presence of the insured person is inevitably required.
        • Being late for a trip is a situation where the insured person is late for the departure, destination or transit of the trip for the following reasons:
          • the regular means of transport that the insured person intended to use for travelling is not departing or is late due to a traffic accident, severe weather conditions or an unexpected technical failure;
          • involvement in an accident of the means of transport that is used for travelling to the point of departure, transit or destination of the trip.
        • On the basis of travel interruption insurance, the portion of the travel package that has been purchased or irreversibly booked or that is subject to purchase and that the insured person or the policyholder is not entitled to get a refund for from the tour operator or the service provider related to the trip is indemnified.
        • Upon the interruption of a trip, the reasonable and justified additional expenses relating to transport and accommodation upon the early return of the insured person to Estonia are indemnified. If a trip is interrupted within the first 24 hours, the cost of the unused portion of the travel package is indemnified as well.
        • In the event of being late for a trip, the additional costs of changing the ticket for the purpose of getting to the destination or the costs of using an alternative means of transport in the least expensive price range available are indemnified.
        • In the event of a change of the flight plan of regular flights by the air carrier after the purchase of tickets, in the event of overbooking of the means of transport or in the event of congestion of aircraft at the airport, the justified additional expenses on transport and accommodation incurred for reaching the destination or Estonia are indemnified.
      • Baggage insurance can be used to insure personal clothing and consumer products. Valuable items in baggage are electronic devices (e.g. laptop, tablet, photo, video and multimedia equipment, telephone) and identity documents (passport, ID card, driving licence). Baggage insurance also covers the liability of transport companies or the delay of baggage given under their supervision for more than four hours in a foreign country in which the insured person will stay for more than 48 hours; theft, robbing and loss of baggage, or damage to or destruction of baggage due to a traffic accident that occurred during the trip. Upon any delays in the arrival of baggage, the justified costs inevitably incurred upon purchasing essential articles (clothes, washing products, etc.) are indemnified in an a up to 35 euros per day, but not more than a maximum of 140 euros per two insured events during a single trip.
        When determining the insurance indemnity, we calculate depreciation of 15% of the acquisition price of the item for every calendar year. The amount of insurance indemnity payable for a single item is no more than 50% of the sum insured of baggage insurance.
        Upon the theft or robbery of an identity document, the direct costs of formalisation of the documents in the Republic of Estonia or in a foreign country are indemnified in an amount of up to 100 euros.

      Travel insurance – optional additional covers:

      • Travel interruption additional cover includes the cancellation of an event, cancellation of the trip due to the cancellation of an organised professional meeting, sports competition, concert or theatre performance, or the occurrence of a travel interruption due to a natural disaster upon a change in the itinerary or the non-departure of the means of transport provided in the travel package.
        Additional cover also includes travel interruption arising from a work interruption or strike of a transportation company or the insolvency of the provider of a service contained in the travel package. Please note that the aforementioned does not
        include travel interruption caused by the insolvency of the tour operator or travel agency.
      • Additional cover for cancelling the trip is valid in a situation where the insured person cancels their trip for any reason whatsoever.
      • Additional cover for accidents – if an accident resulting in a bodily injury, disability or death happens with the insured person in a foreign country, we will pay the indemnity pursuant to the table for indemnification of bodily injuries and disabilities. The sum insured of the additional cover for accidents is €15,000. For example, you have a traffic accident during the trip and fracture your wrist. We will pay the indemnity pursuant to the table for indemnification of bodily injuries and disabilities, and in case of a fractured wrist, this amounts to 3% of the sum insured.

      Liability insurance additional cover – we will indemnify the personal injury or property damage that the insured person or their child (of up to 14 years of age) has caused due to an unlawful action to a third party while being on a trip and in respect of which the insured person bears civil liability. The maximum limit of the indemnity is €35,000. 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.

  • Insurance regions

      • Nordic Countries**, Latvia and Lithuania
      • Europe* except Egypt and Turkey
      • Europe* including Egypt and Turkey
      • World, excluding Australia, Canada and the U.S.
      • World, including Australia, Canada and the U.S.
      • Russia
      • Belarus
      • Ukraine

      * Europe: Albania, Andorra, Armenia, Austria, Belgium, Bosnia and Herzegovina, Bulgaria, Georgia, Spain, the Netherlands, Croatia, Ireland, Iceland, Italy, Greece, Cyprus, Lithuania, Liechtenstein, Luxembourg, Latvia, Macedonia, Malta, Moldova, Monaco, Montenegro, Norway, Poland, Portugal, France (excluding Overseas France), Sweden, Romania, San Marino, Germany, Serbia, Slovakia, Slovenia, Finland, United Kingdom, Switzerland, Denmark, Czech Republic, Ukraine, Hungary, Belarus, the Holy See, European Russia, Canary Islands, Tunisia, Morocco, United Arab Emirates,Israel

      ** Nordic Countries: Finland, Sweden, Denmark, Norway, Iceland, Latvia, Lithuania

PZU is AB "Lietuvos draudimas" Estonian Branch trademark in Estonia. AB "Lietuvos draudimas" is Lithuanian insurance company, that is part of the international PZU Group. Before entering into an insurance contract, please examine the terms and conditions or dial +372 622 4599 for additional information.