BTA Travel insurance (Travel Medical)
Underwritten by AAS BTA Baltic Insurance Company Eesti filiaal · Estonia
travel insurance from BTA for the Estonia market, with online purchase and 24/7 assistance.
Verified Aug 28, 2026 · Terms dated 2024-10-21Sources
Unique selling points
Customers can pick from up to four territorial coverage zones (Europe, Extended Europe, worldwide except USA/Canada/Australia, or worldwide) to match the exact scope of their trip.
The policy is issued instantly online: choose a plan, select a payment method and receive the policy by email immediately.
Policyholders can manage their policy and file claims directly through the 'Minu BTA' mobile app instead of printing documents.
Coverage for baggage loss, damage and delay is marketed as a standard, headline risk addressed by the travel product.
Baggage loss, damage and delay are covered under the travel insurance's baggage cover.
Coverage limits
Medical expenses coverage
Covered
Core coverage reimbursing necessary and justified medical costs following an unexpected illness, an accident-related injury, or an unforeseen worsening of a chronic disease during the trip; the exact sum insured is chosen by the customer and stated on the policy.
Section: 5. RAVIKULUKINDLUSTUS
Ravikulukindlustuse kindlustusjuhtumiks on reisi ajal kindlustatud isiku terviseseisundiga seotud pöördumine tervishoiuasutuse poole vältimatu arstiabiteenuse saamiseks või surm, mis on tingitud ettenägematust haigestumisest, õnnetusjuhtumi tagajärjel tekkinud kehavigastusest või kroonilise haiguse ettenägematust ägenemisest.
Emergency medical treatment
Covered
Costs of emergency medical treatment sought during the trip due to sudden illness or accident-related injury are reimbursed as part of the medical expenses cover.
Section: 5. RAVIKULUKINDLUSTUS
osutatud vältimatu arstiabiteenus;
Hospitalization
Covered
Hospital treatment costs are covered under medical expenses; additionally, if the insured is hospitalized for at least 2 days, BTA reimburses one accompanying person's travel and accommodation costs.
Section: 5. RAVIKULUKINDLUSTUS
ühe saatva isiku sõidu- ja majutuskulud juhul, kui kindlustatud isik viibib vähemalt 2 päeva statsionaarsel ravil;
Outpatient treatment
Covered
Necessary outpatient emergency medical care during the trip is covered as vältimatu arstiabiteenus under the medical expenses cover; planned/routine outpatient care and follow-up rehabilitation are excluded.
Section: 5. RAVIKULUKINDLUSTUS
kulu ambulatoorsele või statsionaarsele taastusravi teenusele, v.a punktis 5.1.2. märgitud taastusravi;
Emergency dental treatment
Conditional
Emergency dental treatment costs are reimbursed as part of medical expenses cover, but the IPID states this benefit applies only within a limited scope/sub-limit set on the policy.
Section: Kas kindlustuskaitsel on piiranguid?
Erakorralise hambaravi, abivahendi soetamise või rentimise, saatva isiku sõidu- ja majutuse ning Eesti Vabariigis ravi või taastusravi jätkamise kuludele kehtib kindlustuskaitse piiratud ulatuses.
Transport costs during treatment abroad
Covered
Communication and transport costs, including the insured's travel costs if pre-purchased tickets cannot be used, returned, exchanged or rebooked due to the insured event, are covered.
Section: 5. RAVIKULUKINDLUSTUS
sidekulud ning transpordikulud, sh kindlustatud isiku sõidukulud, kui tal ei ole võimalik kasutada juba varem soetatud sõidu- või lennupileteid, neid tagastada, vahetada ega ümber muuta;
Medical evacuation
Conditional
Transport of the insured back to Estonia (medical evacuation) is covered on a doctor's consent and instruction, provided it is pre-agreed with BTA; if the accompanying medical staff member is replaced by another person with the treating doctor's written consent, BTA covers that person's travel and accommodation costs instead.
Section: 5. RAVIKULUKINDLUSTUS
eelnevalt BTA-ga kooskõlastatud kindlustatud isiku Eesti Vabariiki transportimise kulu ehk kindlustatud isiku meditsiiniline evakuatsioon arsti nõusolekul ja ettekirjutusel. Raviarsti kirjalikku taasesitamist võimaldavas vormis nõusolekul võib saatva meditsiinitöötaja asendada teise isikuga. Sel juhul hüvitab BTA ühe saatva isiku sõidu- ja majutuskulud;
Repatriation of remains
Conditional
In case of the insured's death, BTA covers burial costs abroad or cremation and/or transport of the remains to Estonia, provided the cost is pre-agreed with BTA.
Section: 5. RAVIKULUKINDLUSTUS
kindlustatud isiku surma korral põrmu välismaal matmise kulu või põrmu tuhastamise ja/või põrmu Eesti Vabariiki transportimise kulu ehk repatrieerimine. Kulu peab olema eelnevalt BTA kooskõlastatud.
Search and rescue
No limit stated
No mention of a dedicated search-and-rescue benefit was found in the terms and conditions or the IPID.
COVID-19 treatment
Excluded
The general exclusions of the travel terms explicitly exclude damage caused by an epidemic, pandemic or a state of emergency declared in a country; the policy contains no specific COVID-19 inclusion.
Section: 14. ÜLDISED VÄLISTUSED
kahju, mille on põhjustanud epideemia, pandeemia või riigis kehtestatud erakorraline olukord;
Pre-existing conditions
Conditional
Only an unforeseen, sudden acute worsening of a known chronic disease during the trip is a covered event; planned treatment or follow-up rehabilitation of a pre-existing condition is excluded.
Section: 5. RAVIKULUKINDLUSTUS
kroonilise haiguse ettenägematust ägenemisest.
Winter sports cover
Optional
Skiing or snowboarding on marked slopes of a winter sports resort is covered only if the 'High-risk activity' option is selected and marked on the policy; off-piste skiing/snowboarding, including heliboarding, remains excluded even with this option.
Section: 4. KÕRGENDATUD RISKIGA TEGEVUS JA TÖÖTAMINE VÄLISMAAL
mäesuusatamine või lumelauasõit talispordikeskuse märgistatud radadel;
Adventure/high-risk sports cover
Optional
If the 'High-risk activity' option is selected, cover extends to activities such as competitive sports, mountain trekking up to 4000 m, surfing/kitesurfing, whitewater/coastal rafting, licensed diving up to 30 m, ATV safaris and wilderness trekking; contact sports, motorsport, extreme sports, skydiving, alpinism, air sports and bungee/parachute jumps remain excluded regardless of the option.
Section: 4. KÕRGENDATUD RISKIGA TEGEVUS JA TÖÖTAMINE VÄLISMAAL
tegelemine spordiga võistlusspordi tasemel; mäesuusatamine või lumelauasõit talispordikeskuse märgistatud radadel; mägimatkamine kuni 4000 m kõrgusele; surfamine, lohesurfamine ja purjelauasõit; paadisõit (rafting) kärestikulistel jõgedel ja rannikuvetes kuni 20 meremiili kaldast; hobisukeldumine litsentsiga lubatud sügavuseni, kuid mitte sügavamale kui 30 meetrit; osalemine ATV-safaril, ratsa- või jalgrattamatkal; matkamine metsikus looduses
Pregnancy complications
Conditional
Costs related to pregnancy complications and necessary emergency care are covered only up to the end of the 32nd week of pregnancy; family planning, infertility treatment and elective termination costs are excluded except for this specific case.
Section: 5. RAVIKULUKINDLUSTUS
rasedusega seotud tüsistuste ja/või erakorralise arstiabiteenuse kulud, kui raseduse kestus ei ületa 32. rasedusnädalat;
Personal liability
Optional
Available if selected and marked on the policy: covers legally-required compensation for unlawful damage caused by the insured to a third party's health or property; damage to the insured, travel companions or family, contractual liability, professional/business liability, motor-vehicle damage and damage caused during sports competitions are excluded.
Section: 11. VASTUTUSKINDLUSTUS
Vastutuskindlustuse kindlustusjuhtumiks on kindlustatud isiku poolt kolmanda isiku varale või tervisele (sh ravikulu või töövõimetus) õigusvastaselt põhjustatud kahju.
Legal assistance
Optional
Available if selected and marked on the policy: covers legal costs arising from a negligent/careless unlawful act committed by the insured during the trip, where necessary to defend against a claim or protect the insured's rights; costs must be pre-agreed with BTA and fines/interest/penalties are excluded.
Section: 12. ÕIGUSABI KINDLUSTUS
Õigusabi kindlustuse kindlustusjuhtumiks on reisi ajal kindlustatud isiku hooletusest või ettevaatamatusest sooritatud õigusvastane tegu ning sellest tingitud õigusabikulu juhul, kui see on vajalik kindlustatud isiku vastu esitatud nõude tõrjumiseks ja/või kindlustatud isiku õiguste kaitseks.
24/7 assistance line
No limit stated
BTA customer service is available 24/7, including while travelling.
Section: Miks valida BTA reisikindlustus? > Klienditeenindus 24/7, ka reisil olles
Klienditeenindus 24/7, ka reisil olles. Olenemata sellest, kus sa asud, oleme alati sinu jaoks olemas! Meie professionaalne meeskond teenindab sind ööpäevaringselt, et kõik su küsimused ja mured saaksid kiirelt lahendatud.
Key conditions
Assistance call deadline
Medical expense claims exceeding EUR 1,000, as well as medical evacuation, repatriation and legal-assistance costs, must be pre-agreed with BTA and BTA's instructions followed before the costs are incurred.
Unauthorized treatment
If the insured fails to pre-coordinate costs above EUR 1,000, uses non-indicated treatment or medication, or otherwise breaches a policy obligation affecting the occurrence or extent of the loss, BTA may reduce the indemnity or refuse payment.
Purchase while abroad
If you forgot to buy cover before leaving, or your trip starts outside Estonia, contact BTA customer support, which will arrange a suitable solution.
SourceSection: Miks valida BTA reisikindlustus? > Reisi ajal meenub, et unustasid kindlustada
Pole probleemi, kui reisikindlustus jäi enne reisi algust vormistamata! Kui sinu reis algab väljastpoolt Eestit või kindlustus jäi viimasel hetkel ostmata, võta ühendust meie klienditoega – leiame Sulle kiire ja sobiva lahenduse, et saaksid muretult reisi jätkata!
Chronic conditions
Only an unforeseen, sudden worsening of a chronic disease during the trip is a covered event under medical expenses; planned treatment of a known chronic condition and its rehabilitation/follow-up are excluded.
Pregnancy
Pregnancy-related complications and necessary emergency care are covered only up to the end of the 32nd week of pregnancy; costs beyond that point, and family-planning/fertility/elective-termination costs, are excluded.
Pre-existing condition exclusions
Pre-existing/known health conditions are not covered for planned or follow-up treatment; medical cover is triggered only by an unforeseen acute exacerbation of a chronic illness occurring during the trip.
Coverage duration limit
For multi-trip (annual) policies, each individual trip may last up to 90 days. If a trip is delayed for reasons beyond the insured's control, cover automatically extends by 48 hours; if the trip is prolonged because of an insured event, the policy extends by up to a further 30 calendar days.
Direct payment
BTA generally reimburses documented costs after the trip. Medical expense claims above EUR 1,000, medical evacuation and repatriation of remains must be pre-agreed with BTA before the costs are incurred, and BTA's instructions must be followed.
Territorial scope
Coverage does not apply in Antarctica, the Arctic, Belarus or Russia. Coverage also does not apply within Estonia itself, except for trip-failure claims and for continuation of treatment for an accident that occurred during the trip.
Documents
Travel Insurance Terms and Conditions No. EE 18.01 (opens in a new tab)
Terms & conditions · PDF
Insurance Product Information Document (IPID) – Travel Insurance (opens in a new tab)
Product information sheet · PDF
General Insurance Terms and Conditions No. GC 2019.0 (opens in a new tab)
Terms & conditions · PDF
Policy specifics
High-risk activities coverage
Optional coverage add-on for high-risk sports and activities such as competitive sports, mountaineering, ski-mountaineering, extreme sports
SourceClause 4.3Page 2/7Section: 4. KÕRGENDATUD RISKIGA TEGEVUS JA TÖÖTAMINE VÄLISMAAL
Kõrgendatud riskiga tegevus tuleb valida ja kindlustuslepingusse teha märge „Kõrgendatud riskiga tegevus“ juhul, kui kindlustatud isik tegeleb ühega alljärgnevast tegevustest
Working abroad during travel
Optional coverage for work or internship activities undertaken during travel; requires separate selection and policy marking
SourceClause 4.1Page 2/7Section: 4. KÕRGENDATUD RISKIGA TEGEVUS JA TÖÖTAMINE VÄLISMAAL
Valik „Kõrgendatud riskiga tegevus“ ja/või „Töötamine välismaal“ laiendab kindlustuslepingus kindlustatud isiku poolt valitud ja märgitud kindlustuskaitseid.
Trip delay / departure delay
Coverage for departure delay; BTA reimburses based on written confirmation from airline or travel organizer showing delay reason and booking confirmation
SourceClause 9.5Page 5/7Section: 9. REISITÕRKE KINDLUSTUS
BTA maksab hüvitist juhul, kui kindlustatud isik esitab lennufirma või reisikorraldaja kirjaliku kinnituse väljasõidu hilinemise, selle põhjuse ja reisi broneeringu kohta.
COVID-19 illness and trip failure coverage
BTA travel insurance covers expenses arising from COVID-19 illness and trip failure/cancellation due to COVID-19
SourceClause 7.Section: Lisainfo ja tingimused > COVID-19 haigestumisega seotud kaitse
BTA reisikindlustusega on kaetud COVID-19 haigestumisest ja reistõrkest tingitud kulud.
Geographic coverage zones
Four coverage zone options: (1) Europe, (2) Extended Europe (Europe + UAE, Egypt, Tunisia, Turkey), (3) Worldwide except Canada/Australia/USA, (4) Worldwide
SourceClause 1.Section: Lisainfo ja tingimused > Reisikindlustuse piirkonnad
1. Euroopa: Albaania, Andorra, Armeenia... 2. Laiendatud Euroopa, lisaks Euroopa riikidele ka Araabia Ühendemiraadid, Egiptus, Tuneesia, Türgi 3. Kogu maailm, v.a Kanada, Austraalia ja USA 4. Kogu maailm
Maximum trip duration per journey
For multiple-trip insurance (annual), each individual trip may last up to 90 days from the starting date
SourceClause 1.2Page 1/7Section: 1. KINDLUSTUSLEPING
Mitmekordse reisikindlustuse puhul ei ole reiside arv piiratud, kuid ühe reisi pikkus võib olla kuni 90 päeva arvestades iga reisi alguse kuupäevast.
Waiting period for acute sudden illness
For acute sudden illness (raske ootamatu haigus), coverage exceptionally begins on the third day after entry into insurance agreement, not on the commencement date of coverage
SourceClause 3.2Page 1/7Section: 3. KINDLUSTUSKAITSE JA KINDLUSTUSJUHTUM
Siiski, punktis 9.1.1. kirjeldatud haigestumise või haiguse ägenemise korral algab reisitõrke kindlustus erandlikult kolmandal päeval pärast kindlustuslepingu sõlmimist.
Notification requirements for medical emergencies
Medical expenses exceeding EUR 1,000 must be agreed with BTA as soon as possible and BTA's instructions followed
SourceClause 16.1Page 6/7Section: 16. KOHUSTUSED KINDLUSTUSJUHTUMI TOIMUMISEL
Juhul, kui ravikulukindlustuse kulud ületavad 1 000 eurot, tuleb need BTA-ga esimesel võimalusel kooskõlastada ning järgida BTA juhiseid.
Medical claims documentation requirements
Insured must provide medical diagnosis certificate, treatment and medication invoices, and other claim-related documents
SourceClause 16.2.1Page 6/7Section: 16. KOHUSTUSED KINDLUSTUSJUHTUMI TOIMUMISEL
meditsiinilisi dokumente, sh epikriis;
Baggage delay threshold and coverage
Baggage delay coverage applies when checked baggage is delayed more than 4 hours at trip destination or transit point; covers necessary and justified immediate essentials and sports equipment rental costs
SourceClause 7.3Page 4/7Section: 7. PAGASIKINDLUSTUS
Järelevalve alla üleantud pagasi hilinemise korral reisi siht- või transiitpunkti rohkem kui 4 tundi hüvitab BTA põhjendatud ning vajaliku kulu esmatarbekaupade (nt kliimale vastavad riided, hügieenitarbed) soetamisele ning sporditarbe ja/või -varustuse rentimise kulu.
Sources
- bta.eehttps://www.bta.ee/era/reisikindlustus(opens in a new tab)
- bta.eehttps://www.bta.ee/media/tingimused/reis/Reisikindlustus-18.01-EE.pdf#page=2(opens in a new tab)
- bta.eehttps://www.bta.ee/media/tingimused/reis/Reisikindlustus-18.01-EE.pdf#page=3(opens in a new tab)
- bta.eehttps://www.bta.ee/media/tingimused/reis/Reisikindlustus-18.01-EE.pdf#page=4(opens in a new tab)
- bta.eehttps://www.bta.ee/media/tingimused/reis/Reisikindlustus-18.01-EE.pdf#page=5(opens in a new tab)
- bta.eehttps://www.bta.ee/media/tingimused/reis/Reisikindlustus-18.01-EE.pdf#page=6(opens in a new tab)
- bta.eehttps://www.bta.ee/media/tingimused/reis/Reisikindlustus-18.01-EE.pdf#page=7(opens in a new tab)
- bta.eehttps://www.bta.ee/media/userfiles/files/IPID-Teabedokument-reisikindlustus-EST.pdf#page=2(opens in a new tab)
BTA Travel insurance