LHV Travel insurance (Reisikindlustus)
Underwritten by AS LHV Kindlustus · Estonia
travel insurance from LHV for the Estonia market, with online purchase and 24/7 assistance.
Verified Aug 28, 2026 · Terms dated 2024-10-22Sources
Key facts
- Personal liability up to €100,000
Unique selling points
LHV directly arranges and coordinates hospital treatment, repatriation and burial/cremation abroad with medical institutions, rather than leaving the traveller to pay and claim back.
Cover automatically extends by 48 hours at no extra cost if the trip is delayed by an insured event.
An extended 'Europe+' territorial option adds destinations such as Turkey, Egypt, Morocco, Israel, Georgia and the Canary Islands beyond a standard Europe zone.
Optional COVID-19 protection covers both treatment costs and quarantine-related extra accommodation and rebooking costs up to 1,500 EUR.
A dedicated 'Sports cover' add-on protects both active sports pursued during the trip and physical work performed while travelling, areas many basic travel policies exclude.
Coverage limits
Medical expenses
Covered
No limit stated
Covers sudden and unavoidable medical treatment, prescription medicine and medical-aid costs incurred abroad during the trip; the exact sum insured is chosen by the policyholder at purchase and stated on the policy, not fixed in the terms.
Section: Meditsiiniabikindlustus
Uuringu- ja ravikulud, mis on tingitud meditsiiniabikindlustuse kindlustusjuhtumist ja mis on tehtud reisi ajal ning mille on määranud arst.
Emergency medical treatment
Covered
No limit stated
Covers unavoidable emergency medical care abroad when the insured suffers a sudden deterioration of health or bodily injury requiring immediate treatment.
Section: Mida kindlustatakse? > Meditsiiniabi (sh õnnetusjuhtumi) kindlustus
Kindlustuskaitse all on tervisliku seisundi ootamatu halvenemine, mille ravimiseks vajab kindlustatud isik vältimatult arstiabi või surm reisi ajal.
Hospitalization
Conditional
No limit stated
LHV arranges and coordinates the insured's hospital treatment abroad; LHV reimburses these costs only if they were pre-approved by LHV.
Section: Kas kindlustuskaitsel on piiranguid?
meditsiiniabi kindlustusjuhtumi puhul korraldab LHV kindlustatud isiku haiglaravi, koduriiki toomise või matmise või tuhastamise välisriigis. LHV hüvitab eeltoodud teenuste kulud ainult siis, kui need on LHV-ga eelnevalt kooskõlastatud.
Outpatient treatment
Covered
No limit stated
Covers outpatient treatment, prescription medicine and dental care costs incurred abroad due to a medical assistance insured event.
Section: Mida kindlustatakse? > Meditsiiniabi (sh õnnetusjuhtumi) kindlustus
ravi, retseptiravimite, hambaravi ja meditsiiniliste abivahendite kulu;
Emergency dental treatment
€500
Covers dental first-aid costs, including examinations and medicine, from sudden toothache or an accident during the trip, up to 500 EUR; planned dental treatment is excluded.
Section: Meditsiiniabikindlustus
Ootamatu hambavalu tõttu hambaravikulud välisriigis ja/või reisi ajal toimunud õnnetusjuhtumist (nt kukkumine) tingitud hambaravi esmaabikulud, sealhulgas uuringud ja ravimid, kuni 500 euro ulatuses. LHV ei hüvita plaanilist hambaravi.
Medical transport
Conditional
No limit stated
Covers transport costs to obtain medical assistance abroad; reimbursed only when pre-coordinated with LHV.
Section: Mida kindlustatakse? > Meditsiiniabi (sh õnnetusjuhtumi) kindlustus
transpordikulu meditsiinilise abi saamiseks välisriigis või koduriiki toomisel;
Medical evacuation / repatriation
Conditional
No limit stated
Covers transport of the insured back to the home country following a medical assistance event; LHV coordinates and must pre-approve the arrangement.
Section: Mida kindlustatakse? > Meditsiiniabi (sh õnnetusjuhtumi) kindlustus
transpordikulu meditsiinilise abi saamiseks välisriigis või koduriiki toomisel;
Repatriation of remains
Conditional
No limit stated
Covers burial costs abroad or the cost of transporting the deceased home; LHV arranges the service and reimburses costs only if pre-coordinated.
Section: Mida kindlustatakse? > Meditsiiniabi (sh õnnetusjuhtumi) kindlustus
matmiskulu välisriigis või surnu koju toimetamise kulu.
COVID-19 cover
Optional
No limit stated
Optional cover for medical costs of a medically-confirmed COVID-19 infection during the trip (up to the chosen medical-assistance sum insured) and for trip-cancellation costs before or during the trip; if quarantined during the trip, additional accommodation and new return-ticket costs are covered up to 1,500 EUR.
Section: Covid-19 kaitse
reisi ajal karantiini sattumisel lisakulutused majutusele ja vajaduse korral uute tagasisõidupiletite kulu poliisil valitud reisitõrkekindlustuse kindlustussumma alusel, kuid mitte üle 1500 euro.
Pre-existing conditions
No limit stated
No specific pre-existing condition rule; planned treatment, rehabilitation and non-prescription medicine costs are excluded from cover.
Section: Mida ei kindlustata?
plaanilise ravi, taastusravi, alternatiivravi retseptita ostetud ravimite kulud;
Winter/active sports cover
Optional
No limit stated
Optional 'Sports cover' add-on for active sports pursued during the trip; medical costs for high-risk activities are covered up to the medical assistance sum insured selected on the policy, while theft, sudden destruction or damage of sports equipment is reimbursed up to 500 EUR, and closure of a sports piste/facility due to an insured event pays up to 50 EUR per day per insured person.
Section: Kindlustussummade tabel > Spordikaitse
Meditsiiniabikindlustuse kindlustussumma suure riskiga tegevuse korral Poliisil valitud meditsiiniabi-kindlustuse kindlustussumma; Kindlustussumma spordivarustuse varguse või kahjustumise korral 500 eurot
Adventure/active sports cover
Optional
No limit stated
Optional 'Sports cover' add-on covering active sports pursued during the trip, including cycling, skiing, running races, marathons, triathlons and related training camps; medical costs for these high-risk activities are covered up to the medical assistance sum insured selected on the policy, while loss or damage of sports equipment is reimbursed up to 500 EUR.
Section: Meditsiiniabikindlustus
võistlussport: ratta-, suusa- ja jooksuvõistlusel (sealhulgas maratonil) ning triatlonil osalemine ning samuti nende spordialade treeninglaagrites osalemine ja võistlusteks valmistumine;
Pregnancy complications
Conditional
No limit stated
Covers unavoidable medical care needed due to an unexpected pregnancy complication up to the 35th week of pregnancy (inclusive); costs after week 35, childbirth and postnatal care are excluded.
Section: Meditsiiniabikindlustus
Esimese 35 rasedusnädala jooksul raseduse ootamatust komplikatsioonist tingitud vältimatu arstiabi kulu. Kui rasedus on kestnud üle 35 nädala, ei hüvita LHV raseduse komplikatsioonidest tingitud kulu.
Personal liability
€100K
Optional liability and legal-aid cover reimbursing bodily injury and property damage caused by the insured to third parties; the liability sum insured is up to €100,000.
Section: Kindlustussummade tabel
Vastutuskindlustuse kindlustussumma 100 000 eurot
Legal assistance and bail
€10K
Optional cover for legal defence costs and bail (kautsjon) provided together with the liability and legal-aid protection; the legal protection sum insured is up to €10,000, including a bail sub-limit of up to €5,000.
Section: Kindlustussummade tabel
Õigusabikindlustuse kindlustussumma 10 000 eurot sh kautsjon 5000 eurot
Key conditions
Assistance call deadline
If hospital treatment abroad is needed, the insured must call LHV's 24/7 line as soon as possible; where non-hospital care is needed, the insured may go directly to a licensed care provider.
Unauthorized treatment
LHV reimburses hospital treatment, repatriation and burial/cremation costs only if these services were coordinated with LHV in advance.
Purchase while abroad
Cover applies to trips that start from Estonia.
Chronic conditions
Chronic diseases are not addressed by a separate rule; the terms only exclude planned treatment, rehabilitation and alternative medicine costs, and psychiatric/behavioural disorders.
Pregnancy
Emergency medical care for an unexpected pregnancy complication is covered up to the 35th week of pregnancy (inclusive); childbirth and postnatal care are excluded.
Pre-existing condition exclusions
Planned treatment, rehabilitation and non-prescription medicines are excluded from cover.
Coverage duration limit
The insurance period must cover the whole trip from start to end; if the trip is extended due to an insured event, cover automatically extends by 48 hours. Multi-trip (annual) cover is valid for one year with an unlimited number of trips.
Direct payment
For medical assistance claims, LHV arranges and directly coordinates hospital treatment, repatriation and burial/cremation services with medical institutions abroad; costs are reimbursed only if pre-approved by LHV.
Territorial scope
Policyholder selects one of four zones at purchase: Europe (geographically European countries, excluding Russia); Europe+ (Europe plus the Canary Islands, Madeira, Azores, Israel, Turkey, Egypt, Tunisia, Morocco, Georgia, Armenia, Azerbaijan and the European part of Russia); World excluding the USA, Australia and Canada; or the entire World.
Exclusions
Medical assistance exclusions
Excludes: medical expenses in Estonia, costs of non-prescription routine medicines, pregnancy/childbirth/abortion-related costs, tattooing, psychiatric/behavioral disorders, overdose or drug use, acts of public authorities, unlawful acts
SourcePage 1Section: What is not insured?
the medical assistance expenses incurred in Estonia; the cost of medicines bought without a prescription for routine treatment, rehabilitation, and alternative treatment; the cost of travel interruption or medical treatment incurred during travel as a result of pregnancy, childbirth, abortion, and related complications; tattooing, its removal or any complication; the diagnosis and treatment of psychiatric and behavioural disorders, including depression; the damage caused by overdosing on alcohol, medicines or other substances, or the use of drugs; the damage caused by acts of public authorities; the loss or damage caused by the insured person's unlawful act, knowingly putting themselves at risk;
Documents
Policy specifics
Medical assistance insurance
Covers sudden and unavoidable medical expenses incurred during a trip, including health injury or bodily injury treatment abroad
SourcePage 1Section: Mis liiki kindlustusega on tegemist?
Reisikindlustuse meditsiiniabi on peamiselt ootamatu ja vältimatu reisi ajal tekkinud ravikulu.
Trip cancellation and interruption coverage
Covers damage caused by trip cancellation or interruption
SourcePage 1Section: Mis liiki kindlustusega on tegemist?
Reisitõrke kindlustus hüvitab reisi ära jäämisest või katkemisest põhjustatud kahju
Baggage insurance
Covers damage caused by loss, theft, delay or damage to baggage during the trip
SourcePage 1Section: Mis liiki kindlustusega on tegemist?
pagasikindlustus reisil kaasas oleva pagasi kadumisest, vargusest, hilinemisest või kahjustumisest tekkinud kahju.
Coverage period
Insurance period is a specified timeframe during which coverage is valid; must cover from trip start to trip end; single trip coverage up to 60 days maximum; recurring annual coverage with unlimited trips per year
SourceSection: Mõisted
Kindlustusperiood on poliisile märgitud ajavahemik, mille jooksul kehtib kindlustuskaitse. Kindlustusperiood peab hõlmama ajavahemikku reisi algusest kuni reisi lõpuni.
Geographic coverage area
Insurance covers trips originating from Estonia to foreign destinations worldwide, outside the policyholder's home country; Estonia exclusion applies (no coverage for events occurring in Estonia, except in specific trip interruption cases)
SourceSection: Reisikindlustuse tingimustes on kirjeldatud reisikindlustuse kindlustuskaitse, käitumine kahjujuhtumi korral ja kahju hüvitamise põhimõtted.
Reisikindlustus kehtib Eestist alguse saanud välisreisidele.
Direct payment and claims handling
For medical assistance claims, LHV arranges and directly coordinates with medical institutions for hospital treatment, repatriation, and burial services; LHV covers costs only if previously coordinated
SourcePage 2Section: Kas kindlustuskaitsel on piiranguid?
meditsiiniabi kindlustusjuhtumi puhul korraldab LHV kindlustatud isiku haiglaravi, koduriiki toomise või matmise või tuhastamise välisriigis. LHV hüvitab eeltoodud teenuste kulud ainult siis, kui need on LHV-ga eelnevalt kooskõlastatud.
Claims handling procedure
Excludes: medical expenses in Estonia, costs of non-prescription routine medicines, pregnancy/childbirth/abortion-related costs (except unexpected complications in the first 35 weeks), tattooing, psychiatric/behavioral disorders, overdose or drug use, acts of public authorities, unlawful acts
SourceSection: Hüvitamise üldpõhimõtted
Otsuse kahju hüvitamise kohta teeb LHV kümne tööpäeva jooksul alates sellest, kui on saanud kogu vajaliku info kahjujuhtumi ja kahju suuruse kohta. Kui LHV-st mitteolenevatel põhjustel ei ole LHV-l võimalik teha kindlaks kogu kahju suurust, siis hüvitab ta esmalt selle osa kahjust, mille ulatuses on kahju suurus selge. LHV võib kahju hüvitamise otsuse tegemise tähtaega mõjuval põhjusel pikendada.
Sources
- lhv.eehttps://www.lhv.ee/assets/files/reisikindlustuse_teabedokument_10.2024_EN.pdf#page=1(opens in a new tab)
- lhv.eehttps://www.lhv.ee/assets/files/reisikindlustuse_teabedokument_ET.pdf#page=1(opens in a new tab)
- lhv.eehttps://www.lhv.ee/assets/files/reisikindlustuse_teabedokument_ET.pdf#page=2(opens in a new tab)
LHV Travel insurance