BAN Travel insurance (Travel Medical)
Underwritten by Baltijas Apdrošināšanas Nams · Estonia
travel insurance from BAN for the Estonia market, with online purchase and 24/7 assistance.
Last verified Aug 28, 2026Sources
Unique selling points
The travel insurance policy itself functions as a payment method, so travelers don't need to pay medical costs out of pocket abroad.
Medical assistance abroad is provided without any deductible — BAN covers all costs.
Round-the-clock assistance is guaranteed worldwide through partnerships with the international assistance networks CORIS and EgyCross.
The travel insurance policy can be issued online in just 5 minutes, any time, 24 hours a day.
Coverage limits
Emergency medical expenses
Covered
No limit stated
BAN's travel insurance policy guarantees that in case of an accident, injury, or unexpected illness, the necessary medical assistance and support will be provided; the exact sum insured was not stated in the retrieved sources.
Emergency medical treatment abroad
Covered
No limit stated
If the insured falls ill or is injured in an accident abroad, BAN reimburses the costs related to necessary emergency medical assistance.
Emergency dental treatment
No limit stated
Not found in the retrieved sources.
Medical transport
Covered
No limit stated
Costs related to medical transport are covered as part of emergency medical assistance if the insured falls ill or is injured abroad.
Medical evacuation
No limit stated
Not found as a distinct benefit in the retrieved sources.
Repatriation of remains
Conditional
No limit stated
In case of death abroad, costs related to burial abroad or transportation of the remains are covered, as agreed with the insurer.
Winter sports cover
No limit stated
General sports cover is mentioned for a specified list of sports during holidays, but the retrieved sources did not include this list, so winter sports inclusion could not be confirmed specifically.
Adventure sports cover
No limit stated
General sports cover is mentioned for a specified list of sports during holidays, but the retrieved sources did not include this list.
Personal (civil) liability
Covered
No limit stated
Civil liability is listed among the losses reimbursed by BAN, depending on the chosen insurance programme.
Key conditions
Assistance call deadline
The insured should notify BAN as soon as possible when medical assistance is needed abroad to ensure proper coordination with healthcare providers.
Direct payment
BAN's travel insurance policy functions as a means of payment abroad: the insurer pays medical providers directly, so the policyholder does not need to spend their own money, and medical assistance is provided without any deductible.
Policy specifics
Direct payment to medical providers
BAN's travel insurance functions as a payment method, allowing the policy to serve directly as payment to medical providers abroad, eliminating the need for policyholders to pay from their own pocket
SourceSource no longer reachableDeath and repatriation costs
Coverage includes costs related to death abroad and transportation of remains, arranged by agreement with the insurer
SourceSource no longer reachableSports activity coverage during holiday
Coverage includes certain sports and recreational activities during travel, as specified in the policy
SourceTrip interruption coverage
Coverage for costs resulting from trip interruption or cancellation due to unexpected serious illness or death of insured or family member, property damage, or transport delays
SourceSource no longer reachableClaim notification period
Policyholders must report damage/claims within 30 days of returning home, with required documentation
SourceSource no longer reachableMedical provider coordination
Insured should notify BAN as soon as possible when medical assistance is needed to ensure proper coordination with healthcare providers
SourceSource no longer reachableReimbursement for self-paid medical costs
If insured pays for medical treatment from own funds, they must submit original receipts and medical documents within 30 days of return to obtain reimbursement
SourceSource no longer reachableThird-party liability obligations
If insured unintentionally causes damage to a third party's health, life, or property during travel, they must notify BAN immediately and provide documentation
SourceSource no longer reachableSources
BAN Travel insurance