Travel Insurance

If you are protected by health insurance at home, then while travelling, it is medical insurance that covers the necessary treatment, aids, and transport costs related to illness or an accident. Medical insurance is a mandatory part of travel insurance.

NB! If a dangerous situation arises in the area where you are during your trip — for example, an armed conflict, a terrorist attack, a natural disaster, or a disease outbreak — we only reimburse medical expenses related to such insured events that occur within 14 days from the start of the dangerous situation.

Dental care
We reimburse the costs of treating unexpected toothache (opening an inflammation site, cleaning a root canal, temporary filling, tooth extraction), emergency care (e.g. due to a fall), including medication, with a compensation limit of up to €500.

Expectant mother
We reimburse the necessary medical expenses due to pregnancy complications during the first 28 weeks of pregnancy.

Travel companion’s stay abroad
We reimburse the costs of one travel companion and, if necessary, minor children staying abroad and returning to Estonia if the insured person needs medical care abroad due to an insured event.

NB! To receive compensation, you must submit a medical certificate with a diagnosis and all cost-related documents (consultation fees, prescription medicines, treatment and transport invoices) to If.

Luggage insurance is a great help in case your luggage is delayed, stolen, or lost during transport while travelling.
Luggage refers to the items you take with you on a trip – e.g. clothes, shoes, toiletries, photo and video cameras, mobile phone, laptop, etc. cabin luggage is also considered baggage.

What does luggage insurance cover?
We reimburse the costs in case of theft or robbery of luggage and travel documents abroad, as well as for luggage delay (more than 4 hours), loss, and damage caused by the transport company.

What are indemnification amounts?
If luggage is delayed for more than 4 hours, you can purchase essential items for up to 50% of the insured luggage amount. Reimbursement is based on purchase receipts. The compensation limit for a single item is up to 50% of the luggage insurance amount. Replacement costs for travel documents are reimbursed up to €200.

With travel interruption insurance, you protect yourself from additional expenses caused by deviations from the schedule of a trip that has already started. You are also reimbursed for costs already incurred if you have to interrupt or cancel your trip due to a sudden illness or another emergency.

What does travel interruption insurance cover?
Travel interruption insurance covers the cost of unused services that are not refunded by the service provider if your trip is interrupted or cancelled. We also reimburse reasonable additional transport and accommodation costs necessary to continue the trip if the trip is delayed by up to 24 hours due to the transport company (excluding flight cancellations), and up to €100 for food, drinks, and essential items if transport is delayed abroad by at least 4 hours.

When should you purchase travel interruption insurance?
Travel interruption coverage is valid even before the insurance period begins and takes effect 3 days after the travel interruption insurance policy is issued. Therefore, it is important to purchase the insurance immediately after booking the trip.
Example: the policy is issued on May 1st. Travel interruption coverage is valid from 00:00 on May 4th.

Liability insurance helps if, during your trip, you unintentionally cause direct material damage to someone else.
We will compensate for this damage on your behalf – including up to €2000 for damage to sports equipment and (living) premises in your use.

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.

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.

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

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.

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.

Veterinary insurance is helpful if you are travelling with your pet and they become ill or get injured during the trip.

What does veterinary insurance cover?
We reimburse the necessary expenses for helping your pet, such as:

• veterinary care (including procedures, surgeries, aids, medication, etc.) provided by a licensed veterinary clinic or veterinarian;
• transport to the nearest clinic in your destination country;
• funeral costs if the pet passes away.

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.