Do you love travelling? Perhaps you already have your next travel destination picked out? Once the tickets have been purchased, it is time to think about travel insurance. Choose exactly the type of insurance that suits your travel plans – add the coverages that matter to you.
How we help you
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 in case of unexpected events. Read more about the European Health Insurance Card and travel insurance.
Do unforeseen events prevent you from starting your trip or force you to return home, or unexpected changes in the travel schedule disrupt your plans? Travel interruption insurance can provide relief in such situations.
We will reimburse the costs of the cancelled trip that the travel service provider does not refund, as well as the cost of unused services. If your travel transport is delayed by at least 4 hours, we will reimburse reasonable additional costs for transport, accommodation, food and drink, and essential items up to €100. Even if you must unexpectedly interrupt your trip and return home, we will cover reasonable additional costs for transport and accommodation, as well as the costs of unused services.
Important to know: travel interruption protection is valid even before the start of the insurance period, taking effect 3 days after the conclusion of the insurance. Therefore, it is worth purchasing travel insurance with travel interruption protection immediately after buying your tickets, but no later than 3 days before the start of your trip, so that the protection is effective at the start of the trip.
Medical coverage is essential on a trip, but you should also carefully think about everything you plan to do while travelling – and about the types of unforeseen events these activities might involve. For example, if you plan to go hiking, surfing, diving, or on a ski trip to the mountains, these activities may involve a higher risk of injury.
Check which holiday activities require high-risk activity coverage, and if you have included those in your travel plans, add this coverage to your insurance so you can enjoy the trip with greater peace of mind.
If you plan to take your dog or cat on the trip, don’t forget to add veterinary coverage to your travel insurance. Namely, if your pet becomes ill or has an accident while travelling and you need to visit a veterinarian, we will help cover the treatment costs for your pet. This way, your and your four-legged friend’s trip will be more carefree.
You arrive at your destination, but your luggage is still missing after four hours or more. But you have planned a hike for the next day or another activity for which you need the gear you brought; or you are attending a conference and need the suit that is in your luggage. The situation is unpleasant and you will probably need to purchase the necessary items on site.
If your suitcase is damaged during transport, you need a new suitcase. Again, an unforeseen extra expense.
Luggage insurance can help cover these necessary additional costs in such cases.
| Insurance coverages | Included in insurance | Sum insured |
|---|---|---|
| Included | Up to €650,000 | |
| Optional | Up to €5000 | |
| Optional | Up to €5000 | |
| Optional | €25,000 | |
| Optional | €10,000 | |
| Optional | €10,000 | |
| Optional | Selected medical coverage amount | |
| Optional | Selected medical coverage amount | |
| Optional | €2000 | |
| Optional | €2000 | |
| Optional | €200 |
Recommendations for planning a trip
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.
Travel insurance regions
Nordic and Baltic countries
Finland, Sweden, Norway, Denmark, Iceland; Latvia, Lithuania
EuropeAlbania, Andorra, Austria, Belgium, Bosnia and Herzegovina, Bulgaria, Gibraltar, Faroe Islands, Spain, Netherlands, Croatia, Ireland, Italy, Canary Islands, Kosovo, Greece, Cyprus, Liechtenstein, Luxembourg, Macedonia, Malta, Moldova, Monaco, Montenegro, Poland, Portugal, France, Romania, Germany, San Marino, Serbia, Slovakia, Slovenia, United Kingdom, Switzerland, Czech Republic, Hungary, Vatican
You should choose this region (Europe) also when travelling to a European country through the Nordic or Baltic countries.
Extended Europe
Additionally to European countries: Armenia, Azerbaijan, Georgia, Kazakhstan, Turkey, Tunisia, Morocco, Egypt and United Arab Emirates
World without USA and Canada
All the countries in the world (including Baltic, Nordic and European countries), except USA and Canada
For example, choose this area if you travel to Australia or Asia (e.g., Thailand).
USA, Canada and world
Choose this area if your travel to USA and Canada. This selection also covers all previously described regions, and the coverage also applies to stopovers in the Baltic States, Nordic countries, and European countries.
The best travel insurance gives you protection in various unexpected situations, so when taking out insurance, take into account both the specifics of your destination country and all the activities you plan during your trip.
Medical insurance – or health insurance for travel – is always included by default in If’s travel insurance and allows you to get faster and more effective medical help if you fall ill or are injured. You can add various coverages to medical insurance that are important to you – for example, travel interruption insurance, luggage insurance, and for active holidays, high-risk activity coverage; for a ski trip, in addition to the latter, also liability insurance. If you take along your dog or cat aged over 2 months and under 8 years, and your pet insurance does not cover veterinary costs outside Estonia, you should add veterinary insurance. This way, veterinary costs will be reimbursed if your pet falls ill or is injured while travelling.
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.
Health insurance for travelling abroad – i.e., medical insurance – is a mandatory part of If’s travel insurance, already included by default in our travel insurance policy. It covers unavoidable treatment, aids, and transport costs if you fall ill or are injured in an accident abroad. Medical insurance also allows you to seek help from a private clinic.
Luggage insurance helps you cope more easily with the already unpleasant situation where your luggage is delayed, damaged during transport, or lost entirely. If this happens, you will likely face unexpected, unplanned expenses, as you may need to replace the lost items with new ones. In such cases, luggage insurance helps cover the costs.
Remember that luggage is more than just a suitcase and its contents – it also includes other personal belongings you carry with you. For example, snorkelling gear, skis, a snowboard, hiking boots, and other items brought for an active holiday are also regarded as luggage. It is also worth knowing that if your handbag containing your phone or camera is stolen, or if these items are damaged due to a transport service provider, such damage is also covered by luggage insurance.
The selected travel insurance protections apply equally to everyone. For medical insurance, it is important to know that we reimburse unavoidable medical costs incurred due to unexpected pregnancy complications (including premature birth) during the first 28 weeks of pregnancy. If the pregnancy has lasted more than 28 weeks, such costs are not reimbursed.
Likewise, the costs of cancelled trips and services not refunded by service providers are reimbursed if, due to pregnancy complications during the first 28 weeks, a pregnant woman is advised not to travel.
For travel insurance, we offer group discounts to groups starting from ten insured persons. The discount is applied automatically when concluding insurance online if there are at least 10 people on the policy.
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. If you have communicated your wish early on, the insurance can continue without interruption.
1. Before starting a trip
2. 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:
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.
This travel insurance is for those who come to Estonia in order to stay here temporarily, e.g., people who come here to visit their friends or relatives, or who are on a leisure or business trip.
Travel insurance covers:
For concluding an insurance agreement, please contact us at info@if.ee or call our insurance line 777 1211.
Depending on your level in the If Plus Bonus Programme, you are entitled to additional travel insurance coverages.
When renting a vehicle, the rental contract specifies a deductible that remains your responsibility in case of an accident and can amount to thousands of euros. If will compensate damage up to €2000. The bonus coverage is valid in the same region as your travel insurance contract. The cover does not apply to the territory of Estonia or to vehicles rented in Estonia.
Read more about the benefits of the If Plus Bonus Programme on the If Plus website.