If Kindlustus
If Kindlustus is a travel insurance for the EE market with online purchase and 24/7 assistance.
Direct payment
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.
Geographic scope
EE
Worldwide (excluding Estonia and insured person's country of permanent residence); coverage territory selected at policy inception (Europe+EEA, specific regions, or worldwide)
Unique selling points
- 24/7 assistance in the insured's mother tongue via helpline +372 777 1211, with If directly coordinating hospitalization, evacuation, and repatriation abroad.
- Freedom to choose any licensed medical facility abroad, including private clinics, with emergency treatment costs reimbursed up to the selected insured sum.
- Medical coverage automatically includes war, terrorism, natural disasters, and pandemic/epidemic events that commence during an already-ongoing trip, with 14 days of protection after the event onset.
- Emergency dental treatment covered up to 500 EUR per insured event, including pain relief, abscess drainage, temporary filling, extraction, and accident-related first aid — with no prior approval required.
- IF Plus loyalty program members receive automatic premium discounts and Level 3 members get free rental car deductible insurance (up to 2,000 EUR) bundled with travel insurance.
Coverage limits
Medical expenses (emergency treatment)
Covered
Covers costs of emergency medical treatment abroad for unexpected acute illness or injury occurring during the trip, including doctor visits, prescription medications, and hospitalization. Coverage amount is the insured sum selected by the policyholder at inception. If recommends 300,000 or 650,000 EUR. Costs must be incurred within 60 days of the insured event.
Emergency medical treatment
Covered
Included within the medical expenses insurance. Covers emergency outpatient and inpatient treatment abroad arising from an unexpected deterioration in health or accidental injury. Insured may attend any licensed medical facility directly for non-hospitalization treatment. Hospitalization must be pre-coordinated with If.
Hospitalization
Covered
Covered within the medical expenses insured sum. Hospitalization abroad must be pre-coordinated with If. If coordinates and approves the hospitalization. Costs reimbursed only if pre-approved by If.
Outpatient treatment
Covered
Covered within the medical expenses insured sum. Insured may attend any licensed medical facility directly for outpatient (non-hospitalization) treatment without prior approval from If.
Emergency dental treatment
Covered
Covers emergency dental pain treatment up to 500 EUR per insured event, including medications, for the following procedures only: opening of an abscess, root canal cleaning, temporary filling, tooth extraction, and first aid dental costs due to an accident (e.g. fall). Planned dental treatment is not covered.
Medical transport
Covered
Covered within the medical expenses insured sum. Includes transport costs for obtaining medical assistance at the destination or transit country, and transport of a seriously ill or injured insured person back to Estonia. A doctor approved by If decides whether and when repatriation is medically necessary and determines the transport method.
Medical evacuation (repatriation)
Covered
Included within the medical expenses insured sum. Covers the cost of transporting a seriously ill or injured insured person back to Estonia, subject to prior approval by an If-approved doctor. If coordinates the evacuation. Early return without If's pre-approval is not reimbursed.
Repatriation of remains
Covered
Covered within the medical expenses insured sum. If covers burial or cremation costs abroad or the cost of transporting the insured person's remains to Estonia in the event of death during the trip. Arrangements must be made by contacting If.
Search and rescue
Not offered
Search and rescue costs are explicitly excluded under the general exclusions of the policy (point 140: If does not cover the cost of searching for the insured person).
COVID-19 treatment
Conditional
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.
Pre-existing conditions
Conditional
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 (high-risk activity add-on)
Optional
Snowboarding and alpine skiing on marked runs at ski resorts is covered only if the 'HIGH-RISK ACTIVITY' endorsement is noted on the policy (point 43.4). Skiing/snowboarding off-piste (outside marked runs) is explicitly excluded as an extremely hazardous activity (point 44.8) and cannot be covered even with the standard high-risk add-on.
Adventure sports cover (high-risk activity add-on)
Optional
A wide range of sports and active recreational activities require the optional 'HIGH-RISK ACTIVITY' endorsement on the policy (point 43), including: ice hockey, football, futsal, basketball, athletics/weightlifting, surfing/kitesurfing, wall climbing, martial arts (judo, kendo, sumo), participation in mass sporting events, and competitive sports. Extremely hazardous activities (point 44) such as mountaineering above 5000m, bungee jumping, skydiving, paragliding, MMA/boxing, motor racing, and off-piste skiing are not covered under any endorsement.
Pregnancy complications
Conditional
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.
Personal liability
Optional
Optional coverage (must be selected and noted on the policy) for unexpected and sudden events abroad causing direct property damage to a third party for which the insured is legally liable. Covers direct property damage and legal defense costs necessary to resolve the third-party claim. Does not cover damage to fellow travellers, family members, or other persons insured on the same policy.
Legal assistance (within liability coverage)
Optional
Legal assistance costs are covered within the personal liability (vastutuskindlustus) coverage as part of the optional liability add-on. Covers legal defense costs necessary to resolve a third-party direct property damage claim against the insured. Legal costs must be pre-agreed with If. Not available as a standalone coverage.
24/7 assistance service
Covered
24/7 telephone assistance is included with all If travel insurance policies. The insured can call +372 777 1211 at any time for guidance, to arrange hospitalization, repatriation, or burial/cremation abroad. Assistance is available in the insured's mother tongue. Costs of calls made from abroad to If or its claims handling partners are reimbursed up to 200 EUR per policy period (point 120).
Key conditions
Assistance call deadline
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).
Unauthorized treatment
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).
Purchase while abroad
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
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
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).
pre_existing_conditions
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
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).
Where to buy
Policy specifics
Medical treatment and emergency assistance
Core mandatory coverage for unexpected illness or injury abroad, including hospitalization, doctor visits, medications, and emergency evacuation to Estonia
Travel interruption and cancellation coverage
Optional coverage for costs incurred when trip is cancelled before departure or interrupted after departure due to illness, injury, death of insured person or family member, or other specified events. Protection extends to unused services and additional accommodation/transport costs.
Luggage and personal belongings insurance
Optional coverage protecting personal belongings and luggage during travel against loss, damage, theft, or delay. Covers baggage and items carried on trip.
High-risk activity coverage
Optional coverage for sports, extreme sports, and active recreational activities (e.g., skiing, mountain climbing, alpine sports, martial arts, water sports). Without this endorsement, claims from injuries sustained during high-risk activities may be denied.
Pet veterinary insurance
Optional coverage for veterinary costs if insured person's dog or cat aged 2 months to 8 years becomes ill or injured while travelling, provided pet's own insurance does not cover costs abroad
Transport delay coverage
Coverage for reasonable additional costs for transport, accommodation, food, and essential items (up to 100 EUR) when scheduled transport is delayed by 4+ hours
COVID-19 related coverage
Automatic coverage included in IF Travel insurance for medical expenses and travel interruption costs related to COVID-19 diagnosis during travel. Medical expenses covered for COVID-19 treatment abroad. Travel interruption coverage applies if insured person or traveling companion diagnosed with COVID-19 during trip.
Travel origin requirement
Insurance protection applies only when trip commences from Estonia. If trip begins outside Estonia, coverage does not apply.
Travel warning destination exclusion
Coverage does NOT apply if insured person travels to destination where Estonian Ministry of Foreign Affairs has issued a travel warning recommending against travel. If already abroad when warning issued, limited coverage (14 days) applies to crisis-related costs.
Coverage effective date
Medical treatment coverage becomes effective immediately upon payment. Travel interruption coverage has 3-day waiting period from policy issuance, requiring policy to be purchased at least 3 days before trip departure.
Insurance period must match trip duration
Insurance coverage period must not be longer or shorter than actual trip duration from Estonia departure to Estonia return. Coverage applies from policy start date to end date specified, regardless of actual travel duration mismatch.
Geographic coverage scope selection
Policyholder selects coverage region at inception: Europe + EEA, specific regions, or Worldwide. Selection determines which destinations are covered. Must account for layovers and transit through multiple countries.
Insured sum (coverage limit) selection
Policyholder must select appropriate coverage amounts for each protection type based on trip destination, duration, and expected costs. Medical treatment coverage limits vary by destination (treatment costs differ significantly globally). Travel interruption sum should reflect prepaid trip costs and potential re-booking expenses.
Age restrictions for online purchase
Online purchase and self-service policy issuance available only for insured persons up to age 75. Persons older than 75 must contact IF directly by phone to arrange coverage.
IF Plus Bonus Program discounts
IF Plus Bonus Program members receive discounts on travel insurance premiums based on membership level. Level 3 members receive free Rental Car Deductible Insurance (covers up to 2000 EUR of rental car damage deductibles). Extended Travel Interruption Insurance may be free for certain membership levels.
Travel must commence from Estonia
Fundamental requirement: coverage only applies if insured persons BEGIN their trip FROM Estonia. If trip starts from another country, coverage does NOT apply. Policyholder must confirm at purchase that insured persons depart from Estonia.