Extracted from source documents

PZU Travel insurance (Reisikindlustus M100)

Underwritten by AB "Lietuvos draudimas" Eesti filiaal · Estonia

travel insurance from PZU for the Estonia market, with online purchase and 24/7 assistance.

Verified Aug 28, 2026 · Terms dated 2023-08-25Sources

Online purchase24/7 helpline

Unique selling points

24/7 customer support hotline for arranging emergency medical treatment abroad, so travellers always have somewhere to turn even if unsure which facility to contact

Fully modular policy design lets customers pick and pay only for the covers they need: medical assistance, trip disruption, baggage, liability, and rental-car excess

Legal defence costs under the liability cover are reimbursed with no deductible applied, unlike many other claim types

Optional rental car excess (deductible) cover is available for cars rented abroad, protecting travellers from unexpected out-of-pocket costs after an accident

Backed by the international PZU Group, one of the largest insurance groups in Central and Eastern Europe

Coverage limits

Covered

Medical expenses

Covered

Covers doctor-prescribed necessary and urgent treatment costs abroad including examinations, medical aids, medicines and hospital bed-day fees; the sum insured is stated on the policy

Clause 3.3.1Page 2

Section: 3. Meditsiiniabi kindlustus > 3.3

arsti poolt määratud vältimatud ja vajalikud ravikulud sh uuringute, meditsiiniliste abivahendite ja ravimite kulu, voodipäevatasu.

Covered

Emergency medical treatment

Covered

Triggered by sudden illness, accident or injury during the trip that requires unavoidable medical treatment abroad; sum insured is marked on the policy

Clause 3.1.1Page 1

Section: 3. Meditsiiniabi kindlustus > 3.1

kindlustatud isiku ootamatu äge haigestumine, mille sümptomid ilmnevad esmakordselt antud reisi ajal ... ning mille ravimiseks vajab kindlustatud isik vältimatut arstiabi välisriigis;

Covered

Hospitalization

Covered

Hospital bed-day fees and inpatient treatment are covered, but the cost must be pre-agreed with PZU before treatment begins

Clause 3.3.1Page 2

Section: 3. Meditsiiniabi kindlustus > 3.3

Statsionaarse haiglaravi ja meditsiiniliste abivahenditega seotud kulu peab olema eelnevalt PZU-ga kooskõlastatud;

Covered

Outpatient treatment

Covered

Doctor-prescribed necessary examinations and medicines received on an outpatient basis abroad are covered up to the medical expenses sum insured

Clause 3.3.1Page 2

Section: 3. Meditsiiniabi kindlustus > 3.3

arsti poolt määratud vältimatud ja vajalikud ravikulud sh uuringute, meditsiiniliste abivahendite ja ravimite kulu, voodipäevatasu.

Covered

Emergency dental care

€200

Emergency dental first-aid costs are reimbursed up to 200 euros per insurance period; planned/routine dental treatment is excluded

Clause 3.3.2Page 2

Section: 3. Meditsiiniabi kindlustus > 3.3

stomatoloogilise esmaabi kulud kuni 200 euro ulatuses kindlustusperioodi kohta;

Covered

Medical transport

Covered

Reasonable transport and accommodation costs to receive medical assistance abroad are covered

Clause 3.3.8Page 2

Section: 3. Meditsiiniabi kindlustus > 3.3

haigestunud või vigastatud kindlustatud isiku põhjendatud transpordi- ja majutuskulud meditsiiniabi saamiseks;

Covered

Medical evacuation / transport back to Estonia

Covered

Reasonable costs of transporting the ill or injured insured person back to Estonia are covered when medically indicated, including use of a medical escort; the transport method and cost must be pre-agreed with PZU

Clause 3.3.9Page 2

Section: 3. Meditsiiniabi kindlustus > 3.3

haigestunud või vigastatud kindlustatud isiku Eestisse transportimise mõistlikud ja põhjendatud kulud juhul, kui meditsiinilisel näidustusel on vajalikud eritingimused tema transportimisel, sh meditsiinilise saatja kasutamine.

Covered

Repatriation of remains

Covered

In case of death abroad, funeral costs abroad and/or the cost of transporting the remains to Estonia are covered, provided these are pre-agreed with PZU; costs for relatives attending the funeral are not covered

Clause 3.3.13Page 2

Section: 3. Meditsiiniabi kindlustus > 3.3

kindlustatud isiku surma korral matusekulud välisriigis ja/või kindlustatud isiku säilmete Eestisse toomise kulud, mis on eelnevalt PZU-ga kooskõlastatud. PZU ei hüvita kindlustatud isiku matustel või tuhastamistseremoonial osalevate isikute transpordi- ega majutuskulu ega peiede kulu.

Excluded

Search and rescue

Excluded

PZU does not reimburse costs related to searching for the insured person if they get lost or go missing

Clause 9.2.3Page 7

Section: 9. Üldised välistused > 9.2

kindlustatud isiku otsimine tema ära eksimisel või kadunuks jäämisel;

Conditional

COVID-19 treatment

Conditional

Treatment costs from contracting COVID-19 while travelling are covered up to the medical assistance sum insured, but only if medical assistance and trip-disruption cover were both selected on the policy; quarantine-related accommodation/transport costs and testing costs are excluded

Clause 2.1Page 1

Section: 2. Meditsiiniabi kindlustus

Meditsiiniabi kindlustusjuhtumi korral hüvitatakse kindlustatud isiku COVID-19-sse haigestumisega seotud ja tingimustes sätestatud ravikulud kuni poliisil märgitud meditsiiniabi kindlustuse kindlustussummani.

Conditional

Pre-existing / chronic conditions

Conditional

Sudden, medically unforeseeable exacerbation of a chronic disease abroad is covered (first-aid costs) provided travel was not contraindicated; costs related to an illness that began before the trip, or ongoing treatment/medication known to be needed before travel, are excluded

Clause 3.4.4Page 2

Section: 3. Meditsiiniabi kindlustus > 3.4

mis on seotud enne reisi algust alanud haigusega või tekkinud vigastusega, v.a kroonilise haiguse ootamatu ägenemisega seotud esmaabi kulu;

Optional

Winter sports cover

Optional

Recreational alpine skiing and snowboarding on marked pistes within ski resorts are covered only if this risk is marked on the policy; competitions, training and off-piste/freeride skiing or snowboarding are excluded

Clause 3.2.2Page 1

Section: 3. Meditsiiniabi kindlustus > 3.2

mäesuusatamine, lumelauasõit harrastajana talispordikeskuste tähistatud radadel. Kindlustuskaitse kehtib ainult vabaaja tegevustele, võistlused ja treeningud ei ole kaetud;

Optional

Adventure / risky activities cover

Optional

Activities such as licensed recreational diving up to 20m, organized ATV/snowmobile safaris, cycling in mountains, and organized mountain/river hiking (2500-4000m) are covered only if marked on the policy; extreme sports, off-piste activity, alpinism above 4000m and similar high-risk pursuits are permanently excluded

Clause 3.2.2Page 2

Section: 3. Meditsiiniabi kindlustus > 3.2

hobisukeldumine litsentsiga lubatud sügavuseni, kuid mitte sügavamale kui 20 m; - osalemine turistidele mõeldud ja organiseeritud ATV- ja mootorsaani safaril ja/või matkal;

Conditional

Pregnancy complications

€5K

Unavoidable medical costs caused by an unexpected complication of pregnancy occurring before the 28th week are covered up to 5,000 euros; costs after week 28 and those related to childbirth, abortion or artificial insemination are excluded

Clause 3.3.4Page 2

Section: 3. Meditsiiniabi kindlustus > 3.3

enne 28. rasedusnädalat raseduse ootamatust komplikatsioonist tingitud vältimatu arstiabi kulud kuni 5000 eurot.

Optional

Personal liability

Optional

A separately selectable module covering the insured person's civil liability for direct property damage caused to third parties during the trip; the sum insured is stated on the policy

Clause 7.1Page 6

Section: 7. Vastutuskindlustus

Vastutuskindlustuse kindlustusjuhtum on kindlustusperioodi jooksul reisil toimunud ootamatu ja ettenägematu sündmus, mis on põhjuslikus seoses kindlustatud isiku tegevusega ja mille tagajärjel tekkis kahjustatud isikule varaline kahju ning kindlustatud isikul on sellise kahju seadusjärgne hüvitamise kohustus.

Optional

Legal assistance costs

Optional

Within the liability module, legal costs necessary to defend against a claim made against the insured person are covered if pre-agreed with PZU; no deductible applies to legal assistance costs

Clause 7.2.2Page 6

Section: 7. Vastutuskindlustus > 7.2

Hüvitamisele kuuluvad ainult PZU-ga eelnevalt kooskõlastatud õigusabikulud. PZU ei hüvita õigusabikulusid, kui tegemist ei ole kindlustusjuhtumiga või kahju hüvitamine on kindlustustingimustega välistatud. Õigusabikulude suhtes omavastutust ei rakendata.

Covered

24/7 assistance hotline

Covered

PZU provides a round-the-clock customer support line that insured persons can call to arrange medical treatment abroad if unsure which facility to contact

Clause 3.5.1Page 3

Section: 3. Meditsiiniabi kindlustus > 3.5

Kui kindlustatud isik ei tea, millisesse raviasutusse pöörduda, võib ta helistada ravi korraldamiseks PZU ööpäevaringsele klienditoe numbrile;

Key conditions

Assistance call deadline

In case of illness or accident the insured person must immediately contact a licensed doctor or medical institution and follow their instructions; hospitalization needs and medically-indicated special transport arrangements to Estonia must be reported to PZU without delay and coordinated in advance

Unauthorized treatment

PZU may reduce or refuse the indemnity if the insured or policyholder failed to comply with a contractual obligation (e.g. obtaining prior approval for hospitalization or transport) and the breach affected the occurrence or extent of the loss

Purchase while abroad

No indemnity is paid if the insurance contract was concluded, or the trip was purchased/booked, after the circumstance that caused the loss had already arisen

Chronic conditions

Sudden, medically unforeseeable exacerbation of a chronic disease is covered (first-aid costs) if travel was not medically contraindicated; costs related to illness that began before the trip or to medication known to be needed for the trip are excluded

Pregnancy

Unexpected pregnancy complications arising before the 28th week are covered up to 5,000 euros; costs after week 28 and those related to childbirth, abortion or artificial insemination are excluded

Pre-existing condition exclusions

Costs related to an illness or injury that began before the start of the trip are not covered, with the exception of first-aid costs for a sudden, unforeseeable exacerbation of a chronic disease

Coverage duration limit

For multi-trip (annual) policies, cover applies to an unlimited number of trips during the insurance period, but each individual trip may not exceed the number of days marked on the policy; cover does not apply for days exceeding that limit

Direct payment

PZU pays the indemnity either to the insured person or directly to the company that provided the service (e.g. a medical institution); hospitalization and medical equipment costs must be pre-agreed with PZU

Territorial scope

Coverage is not valid in Estonia or in the insured person's country of permanent residence, except for trip-cancellation or delayed-departure events that occurred in Estonia

Documents

Travel insurance terms and conditions M100/2023 (opens in a new tab)

Terms & conditions · PDF

COVID-19 special terms M200/2023 (opens in a new tab)

Terms & conditions · PDF

Travel insurance product information document (IPID) (opens in a new tab)

Product information sheet · PDF

Travel insurance product page (opens in a new tab)

Other document · PDF

Policy specifics

Pregnancy coverage limit

Medical expenses related to unexpected complications of pregnancy are covered up to €5,000 before the 28th week of pregnancy

SourceClause 3.3.4Page 2

Section: 3. Meditsiiniabi kindlustus > 3.3

enne 28. rasedusnädalat raseduse ootamatust komplikatsioonist tingitud vältimatu arstiabi kulud kuni 5000 eurot.

Medical repatriation and transport

Covers urgent transport costs to Estonia if prescribed by physician when insured person cannot return as planned due to illness or accident

Source

Risky activities and sports coverage

Coverage for risky activities including mountain skiing, snowboarding, recreational diving, bicycling, mountain and water hiking, sports training and events must be indicated in the policy

Source

Physical work coverage

If engaging in physical work during travel (e.g., driver, forestry, agricultural/construction worker, catering worker, hotel attendant), this must be indicated in the policy

Source

Travel cancellation insurance

Optional coverage for trip cancellation, late arrival, and trip interruption due to covered insured events

SourcePage 4

Section: 5. Reisitõrke kindlustus

Reisitõrke kindlustuse kindlustusjuhtumid on reisi ärajäämine, reisile hilinemine või reisi katkemine.

Insurance territory selection

Policyholder must carefully select insurance territory and duration according to trip destination and purpose

SourceClause 1.9Page 1

Section: 1. Põhimõisted > 1.9

Kehtivuspiirkond on poliisil märgitud territoorium, kus kindlustus kehtib. Kindlustus ei kehti Eestis ega kindlustatud isiku alalise elukoha riigis välja arvatud reisi ärajäämise või reisile hilinemise kindlustusjuhtumid, mis on toimunud Eestis.

Notice of insured event

Policyholder must immediately notify insurer of insured event and follow insurer's instructions

SourcePage 2

Section: Millised on minu kohustused?

Kindlustusandjat tuleb kindlustusjuhtumist viivitamata teavitada ja tegutseda saadud juhiste kohaselt;

European Health Insurance Card requirement

When seeking treatment in Europe, insured person must present European Health Insurance Card or obtain replacement certificate from Estonian Health Insurance Fund

SourcePage 2

Section: Millised on minu kohustused?

Euroopas ravi vajades esitama raviasutusele Euroopa ravikindlustuskaardi või selle puudumisel taotlema Tervisekassast asendussertifikaadi juhul, kui kindlustatud isik on Tervisekassas kindlustatud;

Sources

PZU Travel insurance

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