Travel insurance
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| Feature / category | BTA May 14, 2026 Open details | ERGO May 14, 2026 Open details | Gjensidige May 14, 2026 Open details | If Kindlustus May 14, 2026 Open details |
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| Overview | ||||
Insurer | AAS BTA Baltic Insurance Company Estonian Branch | ERGO Insurance SE | Akciné draudimo bendrové "Gjensidige" Eesti filiaal | If P&C Insurance AS |
Online purchase | Yes | Yes | Yes | Yes |
24/7 helpline | Yes | Yes | Yes | Yes |
Billing basis | per_trip | per_trip | per_trip | per_trip |
Unique selling points |
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IPID | IPID | IPID | Not available | IPID |
Terms & conditions | ||||
| Coverage | ||||
Medical expenses | Covered | Covered | Covered | Covered |
Medical transport | Covered | Covered | Covered | Covered |
COVID-19 treatment | Covered | Medical treatment costs for COVID-19 infection during travel are reimbursed up to EUR 50,000 when health insurance coverage is selected. This protection is automatically included when health insurance or travel disruption coverage is chosen. Self-isolation and quarantine costs are not covered. | For policies concluded from 07.02.2023 onwards with the COVID-19 clause, Gjensidige covers medical treatment costs abroad related to COVID-19 illness and medical transport to Estonia. COVID-19 quarantine, isolation, or test costs are not covered. The standard medical assistance conditions (RK101-2019) apply. | Medical treatment costs for COVID-19 are covered under the medical expenses insurance as an epidemic/pandemic (point 17.3), provided: (1) the trip had already commenced before the pandemic/epidemic event, and (2) the insured event occurred within 14 days of the onset of the pandemic/epidemic measure. COVID-19 testing costs, quarantine costs, and travel restrictions are not covered. |
Personal liability | Optional | Optional | — | Optional |
Emergency dental | Emergency dental treatment costs are covered under the medical expenses clause. Planned dental treatment, dental courses and complications from planned dental care are excluded. Coverage for emergency dental care applies within limited sub-limits as stated on the policy. | €200 | €200 | €500 |
Legal assistance | Optional | Necessary legal assistance costs (for processing claims, expert opinions, court proceedings) are covered under liability insurance, but only when pre-agreed with the insurer and only to prove the absence of the insured's liability or to establish the circumstances of the damage. | Optional | Optional |
Emergency medical treatment | Covered | Covered | Covered | Covered |
Hospitalization | Covered | Covered | Covered | Covered |
Outpatient treatment | Covered | Covered | Covered | Covered |
Medical evacuation | Covered | Covered | Covered | Covered |
Repatriation of remains | Covered | Covered | Covered | Covered |
Pre existing conditions | Unforeseen exacerbation of a chronic disease is covered as an insured event under medical expenses. Coverage for chronic disease exacerbation is limited to 30 days from the onset of the insured event. If the trip end date is not communicated in writing, the 30-day limit is calculated from the trip start date. If the policy territory includes Estonia, chronic disease exacerbation costs are NOT covered. | Chronic disease exacerbation is covered only when the condition becomes acute and requires emergency medical care, and travelling was not medically contraindicated. Pre-existing conditions diagnosed before the trip are generally not covered, except for acute life-threatening exacerbations where travel was not contraindicated. | In the event of an acute exacerbation of a chronic disease (sudden appearance or worsening of symptoms characteristic of a chronic disease requiring emergency medical care), Gjensidige covers first aid costs up to EUR 1,500. Planned medical treatment related to known conditions is excluded. If the insured was aware before travel that they would likely need medical care, no coverage applies. | Medical costs related to a pre-existing illness or injury that began before the trip are generally not covered (point 155). Exception: emergency first aid for a life-threatening acute exacerbation of a chronic disease during the trip is covered. Pre-existing illness is also an exclusion for travel interruption coverage (point 163). |
Winter sports cover | Optional | Downhill skiing and snowboarding on marked pistes in ski resorts is covered only if "active holiday" (aktiivne puhkus) is noted on the policy. Off-piste skiing is explicitly excluded. | Optional | Optional |
Adventure sports cover | Optional | Coverage for active holidays (mountain hiking up to 5,000 m, hobby diving to licensed depth max 40 m, skiing on marked pistes, ATV safari, horse or bicycle trekking, expeditions to polar/desert/jungle regions, sailing, surfing, water skiing) applies only when agreed with the insurer and noted as "aktiivne puhkus" on the policy. Extreme sports (paragliding, bungee jumping, boxing, alpinism, motorsport, base jumping, offshore sailing, cave diving beyond 40 m, rafting etc.) are excluded entirely. | Optional | Optional |
Pregnancy complications | Pregnancy-related complications and/or emergency medical service costs are covered provided the pregnancy has not exceeded 32 weeks. Planned family planning, fertility treatment, abortion-related services, and childbirth costs are excluded. Coverage is limited in scope as stated on the policy. | Pregnancy and childbirth-related medical costs are generally excluded. However, pregnancy complications that first occur during the trip, after the policy has entered into force, are covered. | Emergency medical care costs resulting from unexpected pregnancy complications arising before the 32nd week of pregnancy are covered up to EUR 1,500. Childbirth, abortion, and related services are explicitly excluded. Coverage applies only to sudden and unexpected complications. | Covers emergency medical costs for unexpected complications of pregnancy (including premature birth) up to 28 weeks of pregnancy (per TT-20251 §22). Childbirth and post-natal care are excluded. Costs related to childbirth complications and newborn are not covered. |
| Key conditions | ||||
Assistance call deadline | In the event of a claim, the insured must immediately take measures to limit the damage. Medical costs exceeding 1,000 EUR must be pre-authorised with BTA as soon as possible. Repatriation, legal assistance, and other major costs must also be pre-coordinated with BTA before being incurred. | In the event of illness or accident, the insured must notify the insurer and/or the assistance centre (InterAssist) immediately and follow their instructions. Failure to contact the assistance centre before seeking treatment may affect reimbursement of costs. | In the event of a health emergency, the insured must immediately seek medical care and present the insurance policy (showing the contact details of assistance partner APRIL LIETUVA ASSISTANCE UAB) to the medical facility. If hospitalization is needed, the insured must contact Gjensidige's claims handling partner before admission. Hospitalization costs are reimbursed only if pre-approved. | For hospitalization, the insured must call If immediately (point 36). For outpatient (non-hospitalization) treatment, the insured may attend a licensed medical facility directly without calling If first; however, If may be contacted for guidance on which facility to use (point 35). Repatriation and burial/cremation arrangements must always be pre-coordinated with If (points 31, 33). |
Purchase while abroad | If the trip has already started outside Estonia or insurance was not purchased before departure, contact BTA directly — a solution can be found. The policy can be issued even after the trip has begun under certain circumstances. | Travel insurance must be purchased before the start of the trip. If the insured has already departed from Estonia before concluding the contract, this must be disclosed to the insurer at the time of conclusion. Purchasing insurance while already abroad requires submitting a wish application and is subject to insurer review. | If the insured has already departed from Estonia at the time of concluding the insurance contract, the contract can only be concluded by special agreement with Gjensidige. Standard online purchase requires the trip to not yet have started. | Travel insurance is only concluded for trips commencing from Estonia (point 4). If the insured has already departed from Estonia before the policy is concluded, the policyholder must inform If at the time of conclusion (point 5). Special agreement is required for trips not starting from Estonia; this is noted on the policy. Persons who have been outside Estonia for more than one year may only obtain travel insurance by special arrangement (point 6). |
Chronic conditions | Unforeseen exacerbation of a chronic disease is an insured event. However, reimbursement of treatment costs is limited to 30 days from the onset of the insured event. If the trip end date is not communicated to BTA in writing, the 30-day limit is calculated from the trip start date. If the policy territory includes Estonia, chronic disease exacerbation is not covered. | Chronic diseases and conditions diagnosed or manifested before the start of the insurance contract are not covered, except for acute exacerbations that are life-threatening and for which travel was not medically contraindicated. | Chronic disease acute exacerbation first aid is covered up to EUR 1,500 per insured event (clause 2.1.2.3). Planned treatment of known chronic conditions is excluded. If the insured knew or could reasonably foresee before travel that they would likely need medical care, no coverage applies for related costs. | Costs related to a pre-existing illness (including chronic diseases) that began before the trip are excluded (point 155/163). Exception: emergency first aid for a life-threatening acute exacerbation of a chronic disease during the trip is covered under medical expenses insurance. Chronic disease is also an exclusion for travel interruption/cancellation (point 163). |
Pregnancy | Pregnancy-related complications and emergency medical service costs are covered up to and including 32 weeks of pregnancy. Planned obstetric care, fertility treatments, elective abortion, and childbirth costs are not covered. | Medical costs related to pregnancy and childbirth are excluded. However, pregnancy complications that first occur during the trip after the policy has entered into force are covered under the health insurance. | Emergency medical care costs due to unexpected pregnancy complications before the 32nd week of pregnancy are covered up to EUR 1,500 (clause 2.1.2.9). Childbirth, abortion, artificial insemination, fertility treatment, and contraception, as well as their complications, are explicitly excluded (clause 3.7). | Emergency medical costs for unexpected pregnancy complications (including premature birth) are covered up to 27 weeks of pregnancy (TT-20221). Note: the If website and TT-20251 reference 28 weeks — a conflict exists between the uploaded TT-20221 and the current terms. Childbirth, post-natal care, and complications thereof are not covered for either the mother or the newborn, except as noted above (points 22–24, 157). Travel interruption due to pregnancy/complications is also excluded (point 165). |
Unauthorized treatment | Medical costs exceeding 1,000 EUR that have not been pre-authorised with BTA may not be reimbursed or may be subject to reduced reimbursement. Repatriation and legal assistance costs must also be pre-authorised; failure to do so may result in refusal of reimbursement. | The insurer may be partially or fully released from its obligations if the insured has not fulfilled at least one of the obligations listed in clause 7, including the requirement to notify the insurer or assistance centre immediately after an insured event. | Hospital treatment costs incurred without prior approval from Gjensidige's claims handling partner are not reimbursed. If the insured refuses medically organized repatriation, Gjensidige may decline to cover subsequent costs. All transport of remains and burial arrangements abroad must also be pre-approved with the claims handling partner. | If does not reimburse repatriation costs if the insured returned from the trip without prior coordination with If or ignored the instructions of If or the doctor regarding return (point 38/158). If the If-approved doctor considers repatriation possible but the ill or injured insured refuses, If will not cover any further costs (point 39/159). Hospitalization costs not pre-approved by If are not reimbursed (point 37). |
Pre existing conditions | Pre-existing chronic conditions are covered only for unforeseen exacerbations during travel. Coverage is limited to 30 days from onset of the insured event. Planned treatment of chronic conditions is excluded. If the policy covers the Estonian territory, chronic disease exacerbation is not covered at all. | Pre-existing conditions and illnesses diagnosed before the trip are generally excluded. Coverage applies only for sudden, unforeseen illnesses with first symptoms appearing during the trip that had not been previously diagnosed, or for acute life-threatening chronic exacerbations where travel was not contraindicated. | Pre-existing conditions are generally excluded: if the insured was aware before travel or could reasonably foresee that they would likely need medical care, no reimbursement is made. By exception, an acute exacerbation of a chronic disease requiring emergency medical care is covered up to EUR 1,500 first aid only. Planned medical services (including cosmetic operations) are not covered. | Pre-existing conditions (illnesses or injuries that commenced before the trip) are generally excluded from medical expenses coverage (point 155) and from travel interruption/cancellation coverage (point 163). The sole exception is emergency first aid for a life-threatening acute exacerbation of a chronic disease during the trip, which is covered under medical expenses. |
Coverage duration limit | The insurance policy is valid for the period stated on the policy. For multi-trip insurance, one trip may last up to 90 days from the trip start date. If the trip is extended due to reasons beyond the insured's control, the coverage period is extended by 48 hours from the end date stated on the policy. If extended due to an insured event, the policy extends accordingly but by no more than 30 calendar days. | The insurance period must not be shorter than the duration of the trip. For single-trip insurance, the period must equal the trip duration. For multi-trip (annual) insurance, each trip may last a maximum of 30, 60, or 90 days depending on the selected package. The number of trips per year is unlimited for multi-trip policies. | The insurance period may not be shorter than the duration of the trip, except by special agreement with Gjensidige. For annual multi-trip (korduvreisikindlustus) policies, coverage for each individual trip is valid for a maximum of 45 consecutive days. For open travel days (avatud reisipäevade) policies for legal entities, the maximum number of travel days per period is stated on the policy. If return to Estonia is delayed due to a travel disruption insured event, the insurance period is extended by 48 hours. | Coverage applies only for insured events occurring during the insurance period on a covered trip. The insurance period must not be shorter than the trip duration (point 9). For multi-trip (annual) policies, each individual trip is limited to the number of days noted on the policy (30, 45, 60, or 90 days); coverage lapses for any days exceeding that limit (point 12). The insurance period may be automatically extended by 48 hours if a travel interruption insured event causes the insured to still be abroad at the end of the insurance period, provided travel interruption insurance is noted on the policy (point 11). |
| Proof and next steps | ||||
Direct payment policy | Medical costs exceeding 1,000 EUR must be pre-authorised with BTA. Repatriation, legal assistance costs and other major expenses must also be pre-coordinated with BTA before being incurred. BTA may pay providers directly when pre-authorised; otherwise reimbursement is made to the insured upon submission of original documents. | ERGO's medical assistance partner InterAssist arranges medical care and, where needed, guarantees payment directly to medical institutions abroad. If the insured pays out of pocket, all receipts and medical documents must be submitted with a claim upon return to Estonia. | Gjensidige can issue a guarantee letter to the medical facility via its assistance partner APRIL LIETUVA ASSISTANCE UAB, so the insured does not need to pay out of pocket in many cases. Alternatively, the insured may pay upfront and submit original invoices upon return to Estonia for reimbursement. | If coordinates and pre-approves hospitalization, repatriation, burial/cremation abroad directly with providers. Medical treatment costs are reimbursed only if pre-coordinated with If for hospitalization and repatriation. Outpatient care (non-hospitalization) can be sought directly at any licensed medical facility without prior approval. If pays the service provider directly when costs are coordinated in advance. |
Last verified | May 14, 2026 | May 14, 2026 | May 14, 2026 | May 14, 2026 |