Travel Insurance

Secure yourself a stress-free trip with travel insurance!

  • Medical Insurance
  • Travel Interruption Insurance
  • Luggage Insurance

Why choose If travel insurance

  • We will help you 24/7, in your native language

    If you have an accident, call us at +372 777 1211, and we will assist you in your native language.

  • Coverage in case of terrorism

    Additional costs incurred in relation to evacuation and the medical expenses for the persons injured in an act of terrorism that started during trip, will be compensated.

  • Private hospitals for medical assistance

    When needing medical assistance while staying abroad, you can contact the nearest private clinic.

Travel insurance is an important supplement to the blue European Health Insurance Card when travelling in EU/EEA countries. And if you travel outside Europe, you are only covered by your private travel insurance.

Are you properly insured?

Travelling brings relaxation and pleasant excitement but also comes with risks. Having the medical coverage is a must, however, you may also consider what other inconveniences can occur during your specific trip. Connecting flights might result in lost luggage, or the activities might have a higher risk of injury. Plan in advance to select the proper insurance and travel in peace.

Travel delays and cancellations

Sudden changes in travel plans are stressful, but no worries when insured, just make new plans instead. If you, your only travel companion or a family member falls ill before the start of the trip, we will reimburse the expenses for the cancelled trip if you cannot recover these expenses from the travel service provider (e.g. previously partially or fully paid accommodation, transport ticket, scheduled activities).

Insurance cover Not included

Expandable content here

 Up to € 650 000

Luggage insurance is of great help if your luggage should be delayed, stolen or lost during transport.
Luggage includes things one takes along when travelling – e.g., clothes, shoes, hygiene supplies, photo and video cameras, mobile phone, laptop, etc. Cabin luggage is also luggage.

What does luggage insurance cover?
We cover the expenses related to theft and robbery of luggage abroad, including delay (for over 4 hours), loss and damage to luggage caused by transportation company.

What are indemnification amounts?
If your luggage is delayed for over 4 hours, you can buy essential products for up to 50% of the luggage insurance amount. Indemnification is paid based on purchase checks.

The indemnification limit for one item is up to 50% of the luggage insurance amount

 Up to €5000

Travel interruption insurance covers additional expenses due to interruption or cancellation of a trip or deviation of a trip already in progress from the schedule.

What does travel interruption insurance cover?
Basic travel interruption  insurance covers cancellation of trip due to sudden illness of yourself or your family member as well as trip delays caused by transportation company within 24h (excluding flight cancellation).

When to buy travel interruption insurance?
Travel interruption insurance cover is valid also before the start of the insurance period, becoming effective 3 days after the travel cancellation insurance policy has been completed. Therefore, it is important to buy the insurance immediately after booking a trip.
Example: policy is completed on May 1st. Travel interruption cover is valid as of midnight (00:00) of May 4th.

Liability insurance helps you when you have unintentionally caused property damage to someone while travelling. We will cover the damages for you.

 Up to €5000

Liability insurance helps you when you have unintentionally caused property damage to someone while travelling. We will cover the damages for you.

 €25 000

If an accident happens at your home while you are on a trip causing damage to or destruction of your property (e.g. furniture, clothes, household appliances, etc.), or your property is stolen, we will cover the damages caused to you.

 €10 000

We will pay indemnity for permanent disability if the health of the insured person has constantly deteriorated in one year as a result of an insurance event. If an insured person dies within three years as a result of an accident that took place during the trip, we will pay the insurance amount to their heirs.

 €10 000

If you play sports or are active in other ways while travelling, you should choose protection for high-risk activities.

 Selective

If you engage in manual labour during your trip (e.g., construction or cleaning jobs), you should choose additional cover for medical assistance so that any accidents that may happen while working would be covered. This cover cannot be used for high-risk work or positions.

Please make sure to study the insurance covers, terms and exclusions.

 Selective

When renting a car, the rental agreement includes a deductible that should be covered by you in case of an accident. If covers the deductible by up to €2000 in case of an accident. The cover applies to the same region as your travel insurance agreement. The cover does not apply to the territory of Estonia or to vehicles rented in Estonia.

Rental car deductible insurance

 €2000

We indemnify your phone calls, e-mails, web messages, e-chats, etc. from abroad to If, claim settlement partners of If, transportation company, travel agency, accommodation company or other companies providing travel services.

 €200

Travel Insurance FAQ

Destination areas

If you travel through several countries to arrive at your destination, choose the insurance area so that all the countries are covered. For example, if you fly to Germany with a stopover in Turkey, the area to be chosen is Extended Europe. This will also cover any unexpected events that may occur in Turkey, including at the airport.

Important! Travel insurance is not available for trips to Russia, Belarus, Ukraine and Israel.

Nordic and Baltic countries

Finland, Sweden, Norway, Denmark, Island; Latvia, Lithuania

Europe

Albania, Andorra, Austria, Belgium, Bosnia and Herzegovina, Bulgaria, Gibraltar, Faroe Islands, Spain, Holland, Croatia, Ireland, Italy, Canary Islands, Kosovo, Greece, Cyprus, Liechtenstein, Luxembourg, Macedonia, Malta, Moldavia, Monaco, Poland, Portugal, France, Romania, Germany, San Marino, Serbia and Montenegro, Slovakia, Slovenia, Great Britain, Switzerland, Czech, Vatican.

Extended Europe

Additionally to Europe area: Armenia, Azerbaidzhan, Georgia, Kazakhstan, Turkey, Tunisia, Morocco, Egypt, United Arab Emirates.

World without USA, Canada

All the countries in the world, except USA and Canada

For example, choose this area if you travel to Australia or Asia.

USA, Canada and world

If you want to travel to USA and Canada, choose this area.

What is one-year recurrent travel insurance?

If you travel more than once in one year, you can get a one-year recurrent travel insurance. It is less expensive than buying a short-term travel insurance before each trip. The number of trips in one year is not limited for recurrent travel insurance, but the duration of one trip that you can select is 30, 45, 60 or 90 days. Thus, the cover for one trip is limited by the number of days of the trip provided on the policy. If a trip is longer than provided on the policy, the additional days are not covered by the insurance.

For concluding a one-year recurrent travel insurance agreement, please contact us at info@if.ee or call our insurance line 777 1211.

I am travelling and I will stay longer than planned. I want to extend my travel insurance. Is it possible?

Please call us at +372 777 1211 to assess the possibility for extending the insurance cover. It is not possible to extend the insurance cover in self service. The sooner you contact us the better because waiting time for extension of insurance cover is at least 7 days, and damages during that period shall not be covered.

Does travel insurance cover Covid-19?

Yes, the medical assistance cover of the travel insurance by If automatically includes cover for Covid-19.

Recommendations to travellers

Before starting a trip

  • Find out the visa regulations of the destination and what kind of vaccinations you should get.
  • Exchange and have with you some cash in the currency of your destination, even if your bank card can be used there.
  • Save important phone numbers of the destination country (e.g. rescue service) into your mobile phone.
  • Read the recommendations of the Ministry of Foreign Affairs for the country of destination.

 Order a European Health Insurance Card

 Upon request, Estonian Health Insurance Fund issues European Health Insurance Cards to insured persons that give a right to emergency medical assistance in the countries of the European Union* and the European Economic Area**, but pursuant to the law of the specific country.

People who have European Health Insurance Cards usually have to cover the following expenses themselves:

  • visit fee;
  • purchase of medication;
  • transport costs;
  • bills paid to doctors in cash;
  • daily rate for hospitalization;
  • transport of victims to home country.

European Health Insurance Cards can be ordered from the State Portal www.eesti.ee.

Travel insurance by If covers all the expenses listed above plus you can select covers for travel interruption and luggage.
In case of travel interruptions, please remember to request relevant certificates!

* Member States of the European Union: Austria, Belgium, Bulgaria, Estonia, Spain, Netherlands, Croatia, Ireland, Italy, Greece, Cyprus, Lithuania, Luxembourg, Latvia, Malta, Poland, Portugal, France, Sweden, Romania, Germany, Slovakia, Slovenia, Finland, Denmark, Czech Republic, Hungary.
 ** Countries of the European Economic Area: Countries of the European Union + Iceland, Liechtenstein, Norway, United Kingdom.

Is it possible to get group discounts when travelling with a larger party?

For travel insurance, we offer group discounts to groups starting from ten insured persons.

Travel insurance valid for foreigners in Estonia

This travel insurance is for those who come to Estonia in order to stay here temporarily, e.g., who come here to visit their friends or relatives, or who are on a leisure or business trip.

Travel insurance covers

  • costs of outpatient treatment
  • costs of inpatient treatment for up to 60 inpatient days
  • costs of medications prescribed by the doctor
  • dental costs up to 200 euros
  • transportation costs associated with medical assistance within Estonia
  • transportation to the country of residence

Terms and conditions
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