ERGO Travel insurance (Travel Medical Standard)
Underwritten by ERGO Insurance SE · Estonia
travel insurance from ERGO for the Estonia market, with online purchase and 24/7 assistance.
Verified Aug 28, 2026 · Terms dated 2014-01-01Sources
Unique selling points
24/7 ERGO Travel Assistance service, delivered through partner InterAssist, arranges medical care abroad and guarantees direct payment to medical institutions.
Multi-trip annual policies allow an unlimited number of trips per year, each covered for the number of days stated on the policy.
Trip disruption cover has been extended to also protect domestic trips within Estonia, not just international travel.
Automatic COVID-19 add-on cover (up to EUR 50,000 for treatment and EUR 2,000 for trip disruption) is included at no extra cost when health or trip disruption cover is selected.
Optional add-on covers are available to extend protection to active holiday activities, competitive sports, and physical work assignments abroad.
Coverage limits
Medical expenses (health insurance)
Covered
No limit stated
Covers necessary examination and treatment costs, including medication, resulting from sudden illness, exacerbation of a chronic illness, or an accident during the trip.
Section: 2. Tervisekindlustus
Hüvitatakse kindlustatu haigestumise, kroonilise haiguse ägenemise või kindlustatuga juhtunud õnnetuse tagajärjel tekkinud kahju.
Emergency medical treatment
Covered
No limit stated
Doctor-provided or prescribed necessary examination and treatment costs are reimbursed; the sum insured is agreed separately and stated on the policy.
Section: 2. Tervisekindlustus
arsti osutatavad ja/või määratavad hädavajalikud uuringu- ja ravikulud, sh ravimikulud;
Hospitalization
Covered
No limit stated
Necessary hospital treatment costs arising from illness or accident during travel are covered under the health insurance section, with no separate sub-limit stated.
Outpatient treatment
Covered
No limit stated
Doctor-provided or prescribed necessary outpatient examination and treatment costs, including medication, are reimbursed.
Section: 2. Tervisekindlustus
arsti osutatavad ja/või määratavad hädavajalikud uuringu- ja ravikulud, sh ravimikulud;
Emergency dental treatment
€200
Emergency dental first-aid costs are reimbursed up to a limit of EUR 200 per event; only urgent treatment for acute toothache or accident is covered, not routine dental care.
Section: 2. Tervisekindlustus
hambaravi esmaabi kulu hüvitispiiriga 200 eurot ühe juhtumi kohta;
Medical transport
Covered
No limit stated
Necessary costs of transporting the insured to a medical facility are reimbursed under the health insurance section.
Section: 2. Tervisekindlustus
kindlustatu raviasutusse transportimise hädavajalikud kulud;
Medical evacuation / transport to Estonia
Conditional
No limit stated
Cost of transporting the insured back to Estonia is covered on a doctor's prescription and with the insurer's prior consent.
Section: 2. Tervisekindlustus
kindlustatu Eestisse transportimise kulu – arsti ettekirjutusel ja kindlustusandja eelneval nõusolekul;
Repatriation of remains
Covered
No limit stated
In the event of the insured's death, costs of burial abroad, or cremation and/or transport of the remains to Estonia, are covered.
Section: 2. Tervisekindlustus
kindlustatu surma korral põrmu välismaal matmise kulu või põrmu tuhastamise ja/või põrmu Eestisse transportimise kulud.
Search and rescue
Excluded
Costs of searching for a lost or missing insured person are not reimbursed.
Section: 2. Tervisekindlustus
eksinud või kadunuks jäänud kindlustatu otsingu kulu.
COVID-19 medical treatment
€50K
If the insured contracts COVID-19 while travelling, treatment costs are reimbursed up to EUR 50,000, provided health insurance cover is selected and applicable COVID-19 safe-travel rules were followed.
Section: Tervisekindlustus
Kui haigestute reisil olles COVID-19-sse, hüvitame ravikulud kuni 50 000 euro ulatuses vastavalt reisikindlustuse tingimuste punktile 2 (tervisekindlustus).
Pre-existing conditions
Excluded
Medical care costs for chronic illnesses and diseases diagnosed before the policy took effect are not covered, except acute treatment for a life-threatening illness where travel was not medically contraindicated.
Section: 2. Tervisekindlustus
krooniliste haiguste ja enne kindlustuslepingu jõustumist ilmnenud ja/või varem diagnoositud haiguse puhul osutatud meditsiiniabi kulu, v.a ravikulu ägeda haiguse puhul, mis on kindlustatule eluohtlik, kuid mille puhul reisimine ei ole olnud meditsiiniliselt vastunäidustatud;
Pregnancy complications
Conditional
Medical care related to pregnancy and childbirth is excluded, except complications that first appeared during the trip after the policy took effect.
Section: 2. Tervisekindlustus
raseduse ja sünnitusega seotud meditsiiniabi kulu (v.a rasedusega seotud tüsistused, mis on ilmnenud esmakordselt reisi ajal, pärast kindlustuslepingu jõustumist);
Winter sports cover
Optional
Alpine skiing or snowboarding on marked slopes of a winter sports resort is covered only if agreed with the insurer and marked 'active holiday' on the policy.
Section: 2. Tervisekindlustus > 2.4 Tervisekindlustuse kehtivus ohtlike harrastustega tegelemisel
mäesuusatamisega või lumelauasõiduga talispordikeskuse märgistatud radadel; ... kehtib kindlustuskaitse ainult juhul, kui kindlustusandjaga on selles kokku lepitud ja poliisil on märge „aktiivne puhkus“.
Adventure / competitive sports cover
Optional
Activities such as ATV safaris, expeditions, or competitive sports/training camps are covered only if agreed with the insurer and marked 'active holiday' or 'competitive sport' on the policy; extreme sports such as alpinism, air sports, and off-piste skiing are excluded entirely.
Section: 2. Tervisekindlustus > 2.4 Tervisekindlustuse kehtivus ohtlike harrastustega tegelemisel
kui kindlustatu osaleb ATV-safaril, ratsa- või jalgrattamatkal, matkal või ekspeditsioonil poolusele, kõrbesse, džunglisse, metsikusse või asustamata piirkonda; ... kehtib kindlustuskaitse ainult juhul, kui kindlustusandjaga on selles kokku lepitud ja poliisil on märge „aktiivne puhkus“.
Personal liability
Covered
No limit stated
Covers damage unlawfully caused by the insured to a third party during the insurance period and within the territory defined in the contract; the sum insured is agreed separately and stated on the policy.
Section: 5. Vastutuskindlustus
Hüvitatakse kahju, mille kindlustatu on õigusvastaselt tekitanud kolmandale isikule.
Legal assistance
Conditional
Necessary legal costs (legal aid, expert opinion, and litigation expenses) needed to prove the insured's lack of liability or to establish the facts of the damage are reimbursed, but only if pre-agreed with the insurer.
Section: 5. Vastutuskindlustus
Hüvitatakse ka vajalikud õigusabikulud (nõuete menetlemisel kindlustatu õigusabile, ekspertiisile ja kohtupidamisele kulutatud summa), kui need on vajalikud kindlustatu vastutuse puudumise tõendamiseks või kahju asjaolude kindlakstegemiseks. Hüvitatakse ainult kindlustusandjaga eelnevalt kooskõlastatud õigusabikulud.
24/7 travel assistance
Covered
ERGO Travel Assistance, via partner InterAssist, arranges medical care and payment guarantees abroad, assists with rebooking flights or new hotel bookings, and advises in case of lost baggage.
Section: ERGO Reisiabi
korraldab arstiabi leidmise ja ravikulude tasumise välisriigis, abistab lennupiletite ümbervahetamisel või uute piletite soetamisel, uue hotelli leidmisel ning nõustab pagasi kadumisel.
Key conditions
Assistance call deadline
In the event of an insured incident, the insured must notify the insurer and/or the claims assistance centre at the first opportunity and follow their instructions.
Unauthorized treatment
The insurer may be partially or fully released from its obligation to pay if the insured fails to fulfil any of the required obligations, such as timely notification or following instructions.
Purchase while abroad
If the insured has already left Estonia before the contract is concluded, the policyholder must inform the insurer of this at the time of concluding the contract.
Chronic conditions
Chronic illnesses and previously diagnosed conditions are not covered, except for acute treatment of a life-threatening illness where travel was not medically contraindicated.
Pregnancy
Medical care related to pregnancy and childbirth is not covered, except for complications first arising during the trip after the policy took effect.
Pre-existing condition exclusions
Costs of medical care for illnesses diagnosed before the insurance contract took effect are not covered.
Coverage duration limit
The insurance period is stated on the policy and cannot be shorter than the trip duration; multi-trip cover is valid for the number of days per trip stated on the policy, with an unlimited number of trips per year.
Direct payment
ERGO's travel assistance partner InterAssist arranges medical care abroad and guarantees direct payment of costs to medical institutions; alternatively the insured may pay themselves and claim reimbursement afterwards by keeping all original documents and invoices.
Territorial scope
Coverage applies only within the territory stated on the policy; the insurance does not apply within Estonia except for trip cancellation or interruption claims
Documents
Policy specifics
COVID-19 medical coverage
Medical expenses coverage if insured person contracts COVID-19 while travelling, up to EUR 50,000
SourcePage 1Section: Tervisekindlustus
Kui haigestute reisil olles COVID-19-sse, hüvitame ravikulud kuni 50 000 euro ulatuses vastavalt reisikindlustuse tingimuste punktile 2 (tervisekindlustus).
COVID-19 trip disruption coverage
Trip disruption coverage if insured person or family member contracts COVID-19, up to EUR 2,000
SourceSection: Kuidas käituda kahjujuhtumi korral > Kas ERGO reisikindlustusel on COVID-19 kaitse?
Reisitõrke korral hüvitame COVID-19-sse haigestumise korral kahju kuni 2000 euro ulatuses, kuid mitte rohkem, kui on poliisil märgitud reisitõrke kindlustussumma.
Flight schedule change coverage
Optional additional cover for trip disruption caused by the airline changing the flight schedule after tickets have been purchased (except where due to a labour dispute or insolvency), flight overbooking, or aircraft congestion at the airport.
SourceClause 3.5.5Page 2/4Section: 3. Reisi ärajäämine või katkemine > 3.5 Reisi ärajäämise või katkemise põhjused
lennuplaani muutus – lennuettevõte muudab regulaarlendude lennuplaani pärast piletite väljaostu (v.a juhud, kui lennuplaani muutmine on tingitud töökatkestusest või maksevõimetusest), lennuki ülebroneerimine, lennukite ummik lennuväljal;
Dental care coverage limit
Emergency dental first aid is covered up to EUR 200 per event; other dental treatment is excluded.
SourceClause 2.2.5, 2.3.5Page 1/4Section: 2. Tervisekindlustus
hambaravi esmaabi kulu hüvitispiiriga 200 eurot ühe juhtumi kohta; ... hambaravi kulu (v.a esmaabi ägeda hambavalu või õnnetusjuhtumi korral);
Trip disruption coverage waiting period
Trip-cancellation cover starts 72 hours after the policy is issued, unless the policy is issued within 48 hours of purchasing the travel services (or paying their first instalment), in which case cover starts immediately.
SourcePage 1/4Section: 1. Mõisted > Kindlustusperiood
Reisi ärajäämise kindlustus jõustub 72 tunni möödumisel arvates reisikindlustuse poliisi vormistamisest. Reisi ärajäämise kindlustus jõustub kohe ainult siis, kui reisikindlustuse poliis vormistatakse 48 tunni jooksul pärast reisiteenuste (sh sõidupiletite) ostmist või reisiteenuste esimese osamakse tasumist.
Geographic coverage exclusions
Travel insurance does not apply to Russia, Belarus (since Dec 13, 2022), and Israel (since Oct 13, 2023)
SourceAlates 13.12.2022 sõlmitud lepingutele ei kehti reisikindlustus enam Venemaal ja Valgevenes. Alates 13.10.2023 sõlmitud lepingutele ei kehti reisikindlustus enam Iisraelis.
War and civil unrest exclusion
Insurance does not cover costs caused by war, civil unrest, or armed conflict
SourceSection: Millal reisikindlustus ei aita?
Kindlustus ei kata kulutusi, mis tekivad rahvarahutuste või sõjategevuse tõttu.
Domestic (Estonia) trip coverage
Trip disruption coverage has been extended to cover domestic trips in Estonia since June 16, 2020
SourceNB! Alates 16.06.2020 kehtib reisi ärajäämise ja reisi katkemise kindlustuskaitse ka Eesti-sisestel reisidel.
Medical assistance service provider
ERGO partners with InterAssist for medical care arrangement and cost guarantee to medical institutions
SourceSection: Good to know > If you fall ill while travelling and need medical attention
Our medical care partner, InterAssist, will help you to find a suitable medical institution and, if necessary, guarantees the payment of costs to the medical institution.
Sources
- ekontor.ergo.eehttps://ekontor.ergo.ee/reisikindlustus(opens in a new tab)
- ergo.eehttps://ergo.ee/en/private-clients/travel-insurance/travel-assistance(opens in a new tab)
- ergo.eehttps://ergo.ee/files/web-public/2024-10/Reisikindlustuse-teabedokument-1.pdf#page=1(opens in a new tab)
- ergo.eehttps://ergo.ee/files/web-public/2024-10/Reisikindlustuse_tingimused_EST-1.pdf#page=1(opens in a new tab)
- ergo.eehttps://ergo.ee/files/web-public/2024-10/Reisikindlustuse_tingimused_EST-1.pdf#page=2(opens in a new tab)
- ergo.eehttps://ergo.ee/files/web-public/2024-10/Reisikindlustuse_tingimused_EST-1.pdf#page=3(opens in a new tab)
- ergo.eehttps://www.ergo.ee/erakliendile/reisikindlustus(opens in a new tab)
- ergo.eehttps://www.ergo.ee/ergo/tingimused-ja-vormid/lepingueelne-teave-kliendile-reisikindlustus(opens in a new tab)
- ergo.eehttps://www.ergo.ee/fs-files/0000/0000/0002/files/ERGO%20reisikindlustuse%20eritingimused.pdf#page=1(opens in a new tab)
ERGO Travel insurance