If Travel insurance (If Reisikindlustus)

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, up to 1,250,000 EUR.

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

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.

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

Emergency dental treatment costs (incl. sudden toothache, first aid and medicines) are reimbursed up to a combined maximum of 500 EUR for all claims during the insurance period.

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.

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.

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.

No separate search-and-rescue limit; necessary local transport costs after an insured medical event are paid within the medical expenses sum insured.

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

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.

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.

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.

Unavoidable medical costs from sudden pregnancy complications are covered only during the first 28 weeks of pregnancy; If has no obligation to reimburse costs from childbirth, birth complications, or post-natal care/treatment for either mother or child.

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.

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.