Reviewed from source documents

If P&C Insurance AS

If

If is a travel insurance for the Estonia market with online purchase and 24/7 assistance.

Last verified Aug 28, 2026Reviewed by: Boleron EUTerms & conditions: 2025-07-03Underwritten by: If P&C Insurance AS
Online purchase24/7 helpline

Direct payment

For serious medical situations or evacuation, the policyholder should contact If's 24/7 assistance line before or immediately after seeking care so that treatment can be authorized and coordinated directly with the provider; failure to do so may result in a reduced or denied reimbursement.

Geographic scope

Selectable coverage region: Nordic & Baltic states; Europe; Europe + UAE/Georgia/Tunisia etc.; Worldwide excluding Egypt, Turkey, USA and Canada; or Worldwide (all countries)

The trip must start in Estonia and end back in Estonia; insurance is not sold for travel to Russia, Belarus, Ukraine or Israel

Unique selling points

  • Free pet veterinary cover for cats and dogs (aged 2 months to 8 years) can be added for emergencies abroad, unlike many standard policies.
  • Reimburses up to 100 EUR for reasonable extra transport, accommodation and essentials costs when transport is delayed at least 4 hours.
  • Automatically covers evacuation and additional medical costs if the insured is affected by a terrorist act during the trip, without requiring a separate add-on.
  • Offers a 24/7 assistance phone line that supports customers in their native (Estonian) language for claims and emergencies abroad.
  • Policies can be issued instantly through If's online self-service calculator without needing to visit an office.

Coverage limits

Medical expenses

Covered

Medical assistance insurance covering treatment and transport costs from sudden illness or accident abroad is always included by default in If travel insurance; the policyholder selects the sum insured, and If recommends choosing either 300,000 or 650,000 EUR.

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Emergency medical treatment

Covered

Provides faster and more effective medical care abroad in case of sudden illness or injury; included by default with medical assistance insurance.

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Hospitalization

Covered

Inpatient hospital treatment costs are covered within the chosen medical assistance sum insured; costs for a travel companion's accommodation while the insured is hospitalized abroad may also be reimbursed under certain conditions.

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Outpatient treatment

Covered

Outpatient medical treatment costs are covered within the chosen medical assistance sum insured, subject to the limits set out in the terms and conditions.

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Emergency dental treatment

€192

Emergency dental treatment costs are reimbursed up to a combined maximum of 192 EUR for all claims during the insurance period.

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Medical transport

Covered

If the insured is repatriated, the additional transport and accommodation costs of a companion travelling with them are reimbursed from the medical assistance insurance, regardless of whether the companion was insured.

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Medical evacuation

Covered

In case of evacuation, unused prepaid service costs and reasonable additional transport and accommodation costs incurred abroad in returning to Estonia within 14 days of the triggering event are reimbursed.

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Repatriation Of Remains

Covered

Repatriation is defined as transporting a sick or injured insured person to Estonia, transporting the insured's body to Estonia, or (if cremated abroad) transporting the urn with ashes to Estonia. Under the medical assistance insurance event, If covers the unavoidable local transport costs and the repatriation costs or burial costs abroad. The insured's body transport to Estonia, burial or cremation abroad costs are covered regardless of cause of death, except in case of suicide or if the insured's death was caused by or contributed to by the insured's own intoxication. These costs are paid out of the insured's chosen medical assistance sum insured (e.g. 100,000 / 300,000 / 650,000 EUR options) rather than being subject to a separate standalone limit.

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Search & rescue

Conditional

If's Estonian travel insurance terms (TR 20071 / TT series) do not define a separate, distinctly named 'search and rescue' coverage with its own sum insured. Instead, under a medical assistance insurance event, If covers the unavoidable local transport costs associated with the event, alongside repatriation or burial costs abroad. These emergency/rescue-type transport costs are paid out of the insured's overall medical assistance sum insured rather than under a dedicated search-and-rescue limit.

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COVID-19 treatment

Covered

COVID-19 medical treatment cover applies automatically under the medical assistance insurance sum insured; quarantine, testing and restriction-related costs are not covered.

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Pre-existing conditions

Excluded

If has no obligation to reimburse costs from illnesses (including chronic illnesses) or injuries that had already appeared before the insurance contract was concluded or before the trip began.

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Winter sports cover

Optional

Skiing, snowboarding and similar winter sports require the optional high-risk activity add-on to be selected on the policy; the base policy does not cover injuries from these activities without it.

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Adventure/high-risk sports cover

Optional

Competitive sports, mass sporting events, and higher-risk activities require the optional high-risk activity add-on; extreme sports (e.g. downhill mountain biking, BMX, heli-skiing, combat sports) require prior agreement with If by phone and cannot be added via self-service.

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Pregnancy complications

Conditional

Unavoidable medical costs from sudden pregnancy complications are covered only during the first 12 weeks of pregnancy; If has no obligation to reimburse costs from childbirth, birth complications, or post-natal care/treatment for either mother or child.

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Personal liability

Optional

Liability insurance covering damage accidentally caused to a third party during the trip can be added for an extra fee; recommended in particular for ski trips.

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Legal assistance

Optional

Legal assistance insurance is one of the selectable covers (alongside medical assistance, baggage and travel interruption insurance) that is marked on the policy if chosen by the policyholder.

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24/7 assistance

Covered

If provides a round-the-clock assistance phone line (+372 777 1211) for claims, medical emergencies and evacuation situations, offering support in the customer's native language.

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Key conditions

Assistance call deadline

For serious medical situations or evacuation, contact If's 24/7 assistance line (+372 777 1211) before or immediately after seeking medical care to ensure proper authorization and support.

Unauthorized treatment

If treatment or repatriation is not coordinated with If in advance, If may reduce or deny reimbursement of the related costs.

Purchase while abroad

The insured must start the trip from Estonia; a policy cannot be purchased online through self-service if the person is already abroad, though an existing policy can potentially be extended by contacting customer service.

Chronic conditions

Costs from chronic illnesses that had already appeared before the contract was concluded or before the trip began are not covered under the medical assistance insurance.

Pregnancy

Sudden pregnancy complications are covered only up to the 12th week of pregnancy; childbirth, birth complications and post-natal care are excluded.

Pre-existing condition exclusions

If has no obligation to reimburse costs arising from illnesses or injuries that existed before the insurance contract was concluded or before the trip began.

Coverage duration limit

The insurance period must correspond to the actual duration of the trip, starting when the insured leaves Estonia and ending when they return to Estonia.

Where to buy

Buy travel insurance online (If self-service calculator)

Documents

Travel Insurance Terms and Conditions TR 20071

Terms & conditions

Open

Policy specifics

Travel interruption insurance

Coverage for trip cancellation, disruption, or postponement due to insured events; reimburses unused prepaid services and additional necessary transport/accommodation expenses

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Baggage insurance

Coverage for loss, theft, or damage to baggage and personal items during travel

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Pet veterinary care abroad

Coverage for emergency veterinary care costs for pets (cats and dogs) during travel abroad

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Evacuation coverage

Coverage for emergency evacuation costs and related medical expenses in case of conflict, terrorism, natural disaster, or epidemics in travel destination

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High-risk activities coverage

Optional additional coverage required for participation in high-risk sports and activities such as skiing, mountaineering, professional sports; specific list of covered activities in terms and conditions

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Age restrictions

Online insurance purchase through calculator restricted to persons up to 75 years of age; older persons must contact IF directly by phone

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Trip start location requirement

Insurance requires that insured persons start their trip from Estonia and the insurance period matches the trip duration (Estonia to abroad and back)

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Travel interruption waiting period

Travel interruption coverage does not become effective until 24 hours (some sources indicate 3 days for certain benefits) after policy issuance except for specific events covered before this period

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Prior notification to If for assistance

For serious medical situations or evacuation, policyholder should contact If assistance at +372 777 1211 (24/7) before or immediately after seeking medical care to ensure proper authorization and support

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