ERGO Insurance SE
ERGO
ERGO is a travel insurance for the Estonia market with online purchase and 24/7 assistance.
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.
Geographic scope
Worldwide outside Estonia as specified on the policy; excludes Russia and Belarus since 13.12.2022 and Israel since 13.10.2023
Coverage applies only within the territory stated on the policy; the insurance does not apply within Estonia except for trip cancellation or interruption claims
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)
Not offered
Covers necessary examination and treatment costs, including medication, resulting from sudden illness, exacerbation of a chronic illness, or an accident during the trip.
Emergency medical treatment
Not offered
Doctor-provided or prescribed necessary examination and treatment costs are reimbursed; the sum insured is agreed separately and stated on the policy.
Hospitalization
Not offered
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
Not offered
Doctor-provided or prescribed necessary outpatient examination and treatment costs, including medication, are reimbursed.
Emergency dental treatment
Covered
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.
Medical transport
Not offered
Necessary costs of transporting the insured to a medical facility are reimbursed under the health insurance section.
Medical evacuation / transport to Estonia
Not offered
Cost of transporting the insured back to Estonia is covered on a doctor's prescription and with the insurer's prior consent.
Repatriation of remains
Not offered
In the event of the insured's death, costs of burial abroad, or cremation and/or transport of the remains to Estonia, are covered.
Search and rescue
Excluded
Costs of searching for a lost or missing insured person are not reimbursed.
COVID-19 medical treatment
Conditional
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.
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.
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.
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.
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.
Personal liability
Not offered
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.
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.
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.
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.
Policy specifics
COVID-19 medical coverage
Medical expenses coverage if insured person contracts COVID-19 while travelling, up to EUR 50,000
COVID-19 trip disruption coverage
Trip disruption coverage if insured person or family member contracts COVID-19, up to EUR 2,000
Flight schedule change coverage
Optional coverage for trip disruption due to airline schedule changes or flight cancellations
Dental care coverage limit
Dental treatment expenses are covered only partially, up to EUR 200 per trip
Trip disruption coverage waiting period
Trip disruption protection begins 72 hours after policy issuance if purchased after ticket purchase
Geographic coverage exclusions
Travel insurance does not apply to Russia, Belarus (since Dec 13, 2022), and Israel (since Oct 13, 2023)
War and civil unrest exclusion
Insurance does not cover costs caused by war, civil unrest, or armed conflict
Domestic (Estonia) trip coverage
Trip disruption coverage has been extended to cover domestic trips in Estonia since June 16, 2020
Medical assistance service provider
ERGO partners with InterAssist for medical care arrangement and cost guarantee to medical institutions