AB "Lietuvos draudimas" Estonian Branch (trading as PZU Insurance)
PZU
PZU is a travel insurance for the Estonia market with online purchase and 24/7 assistance.
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
Geographic scope
Territory as marked on the policy, agreed between policyholder and insurer at contract signing
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
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
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
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
Hospitalization
Covered
Hospital bed-day fees and inpatient treatment are covered, but the cost must be pre-agreed with PZU before treatment begins
Outpatient treatment
Covered
Doctor-prescribed necessary examinations and medicines received on an outpatient basis abroad are covered up to the medical expenses sum insured
Emergency dental care
€200
Emergency dental first-aid costs are reimbursed up to 200 euros per insurance period; planned/routine dental treatment is excluded
Medical transport
Covered
Reasonable transport and accommodation costs to receive medical assistance abroad are 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
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
Search and rescue
Excluded
PZU does not reimburse costs related to searching for the insured person if they get lost or go missing
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
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
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
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
Pregnancy complications
€5,000
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
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
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
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
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
Where to buy
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
SourceMedical 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
SourceRisky 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
SourcePhysical 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
SourceTravel cancellation insurance
Optional coverage for trip cancellation, late arrival, and trip interruption due to covered insured events
SourceInsurance territory selection
Policyholder must carefully select insurance territory and duration according to trip destination and purpose
SourceNotice of insured event
Policyholder must immediately notify insurer of insured event and follow insurer's instructions
SourceEuropean 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
Source