Salva Travel insurance (Salva Reisikindlustus)
Underwritten by Salva Kindlustuse AS · Estonia
travel insurance from Salva for the Estonia market, with online purchase.
Verified Aug 28, 2026 · Terms dated 2026-01-26Sources
Unique selling points
No deductible applies to travel insurance claims ("Reisikindlustus omavastutuseta").
Buying the policy online via Salva24 or at insurance vending machines is about 15% cheaper than the standard price.
No upper age limit for buying travel cover, though contract length is capped at 21 days for insured persons over 80.
Trip cancellation and baggage sums insured automatically reinstate after a claim payout during the insurance period.
Claims handling at Salva is fast, typically taking no more than about 15 days.
Coverage limits
Medical expenses coverage
Covered
No limit stated
Covers unexpected and essential medical care costs incurred abroad during travel; the exact sum insured is stated on the individual policy, not fixed in the terms.
Section: 4. TERVISEKINDLUSTUS
ootamatu ja äge haigestumine, mis ohustab kindlustatu elu või tervist ning mille sümptomid ilmnevad esmakordselt reisi ajal ja mille ravimiseks vajab kindlustatu vältimatut arstiabi
Emergency medical treatment
Covered
No limit stated
Sudden acute illness or accident requiring emergency medical care abroad, where delay could cause permanent harm, is an insured event; sum insured is set on the policy.
Section: 4. TERVISEKINDLUSTUS
ootamatu ja äge haigestumine, mis ohustab kindlustatu elu või tervist ning mille sümptomid ilmnevad esmakordselt reisi ajal ja mille ravimiseks vajab kindlustatu vältimatut arstiabi
Hospitalization costs
Covered
No limit stated
Inpatient (hospital) treatment costs are covered under the medical expenses insurance; no separate cap is stated, the overall policy sum insured applies.
Section: 4. TERVISEKINDLUSTUS > 4.3 Tervisekindlustusjuhtumi alusel hüvitatavad kulud
ambulatoorse ja haiglaravi kulud;
Outpatient (ambulatory) treatment
Covered
No limit stated
Ambulatory treatment costs are covered under the medical expenses insurance; no separate cap is stated, the overall policy sum insured applies.
Section: 4. TERVISEKINDLUSTUS > 4.3 Tervisekindlustusjuhtumi alusel hüvitatavad kulud
ambulatoorse ja haiglaravi kulud;
Emergency dental treatment
€300
Dental treatment costs are covered up to 300 EUR per insurance period.
Section: 4. TERVISEKINDLUSTUS > 4.3 Tervisekindlustusjuhtumi alusel hüvitatavad kulud
hambaravikulud maksumusega kuni 300 eurot kindlustusperioodi kohta;
Transport to obtain medical care
Covered
No limit stated
Reasonable and justified transport costs to receive medical assistance abroad are covered without a separately stated cap.
Section: 4. TERVISEKINDLUSTUS > 4.3 Tervisekindlustusjuhtumi alusel hüvitatavad kulud
kindlustatu põhjendatud transpordikulud arstiabi saamiseks;
Medical evacuation / repatriation home
Covered
No limit stated
Transport costs to bring an injured or ill insured back to Estonia are covered; the need for and conditions of repatriation are decided by the medical assistance coordinator, Salva and its trusted physician, and prior consent is required.
Section: 4. TERVISEKINDLUSTUS > 4.3 Tervisekindlustusjuhtumi alusel hüvitatavad kulud
Vigastatud või haige kindlustatu tagasitoimetamise vajaduse ning tagasitoimetamise tingimuste üle on õigus otsustada meditsiiniabi koordinaatoril, Salval ning tema usaldusarstil.
Funeral costs abroad / repatriation of remains
€3K
Funeral costs incurred abroad are covered up to 3000 EUR; transport of the deceased's body or ashes to Estonia is covered without a separately stated cap.
Section: 4. TERVISEKINDLUSTUS > 4.3 Tervisekindlustusjuhtumi alusel hüvitatavad kulud
välisriigis toimunud matuse kulu kuni 3000 eurot või kindlustatu surnukeha või tema tuha transpordikulud Eesti Vabariiki;
Search and rescue
No limit stated
No separate search-and-rescue cover.
Section: SISUKORD
1. PÕHIMÕISTED............................................................................................................................3 2. REISIKINDLUSTUSE LEPINGU SÕLMIMINE JA LÕPPEMINE...................................................3 3. KINDLUSTUSSUMMA JA KINDLUSTUSKAITSE KEHTIVUSE TINGIMUSED ............................4 4. TERVISEKINDLUSTUS ...............................................................................................................4 5. REISITÕRKE KINDLUSTUS........................................................................................................7 6. PAGASIKINDLUSTUS ...............................................................................................................11 7. RENDIAUTO OMAVASTUTUSKINDLUSTUS............................................................................13 8. REISIKINDLUSTUSE VASTUTUSKINDLUSTUS.......................................................................14 9. ÜLDISED VÄLISTUSED ............................................................................................................15 10. KINDLUSTUSVÕTJA ÜLDISED KOHUSTUSED PÄRAST KINDLUSTUSJUHTUMI TOIMUMIST...............................................................................................................................16 11. SALVA KOHUSTUSED..............................................................................................................16 12. KINDLUSTATU KOHUSTUSE RIKKUMISE ÕIGUSLIKUD TAGAJÄRJED ................................16 13. KINDLUSTUSHÜVITISE SAAMISEKS ÕIGUSTATUD ISIK.......................................................17 14. ÜLDISED KAHJU HÜVITAMISE REEGLID................................................................................17 15. VAIDLUSTE LAHENDAMINE.....................................................................................................17
COVID-19 / pandemic treatment
Excluded
Losses caused by pandemic, epidemic or environmental contamination are explicitly excluded under the general exclusions.
Section: 9. ÜLDISED VÄLISTUSED
tuumaenergia, radioaktiivsus, pandeemia, epideemia, keskkonna saastatus.
Pre-existing / chronic conditions
Conditional
Costs related to a chronic disease diagnosed before the cover took effect are generally excluded, except for a life- or health-threatening exacerbation of a chronic disease that was unforeseeable before the trip and where travel was not contraindicated.
Section: 4. TERVISEKINDLUSTUS > 4.4 Tervisekindlustuse välistused
kulu, mis on seotud enne kindlustuskaitse kehtivust diagnoositud kroonilise haiguse, haigussümptomite või varem diagnoositud haiguse ravimisega, v.a punktis 4.1.1.1 toodud juhul;
Winter sports cover
Optional
Available as the optional sports add-on cover; it does not extend to winter sports practiced outside the marked pistes of a winter sports resort, or to heli-skiing.
Section: 4. TERVISEKINDLUSTUS > 4.2 Tervisekindlustuse lisakaitsed spordiga tegelemiseks ja füüsilist jõudu nõudva töö tegemiseks
talispordi harrastamine väljaspool talispordikeskuse märgistatud radasid, poks, karate, maadlus, võitluskunstid ning muud ekstreemspordialad.
Extreme/adventure sports cover
Excluded
Mountaineering, alpinism, air sports, parachute/bungee jumps, motorsport, diving below 40m, rafting, downhill/freeride cycling, boxing, karate, wrestling, martial arts and similar extreme sports cannot be insured even with the optional sports add-on.
Section: 4. TERVISEKINDLUSTUS > 4.2 Tervisekindlustuse lisakaitsed spordiga tegelemiseks ja füüsilist jõudu nõudva töö tegemiseks
mägironimine, alpinism, lennusport, langevarju- ja benji-hüpped, motosport, allveesport, sh sukeldumine sügavuseni üle 40 m, kärestikuparvesõit (rafting), ekstreemspordialad (sh jalgrattaga mäestlaskumine (downhill), jalgratta maastikusõit (freeride)
Pregnancy complications
Conditional
Costs related to pregnancy or childbirth (including abortion) are excluded, except for emergency care required as a result of an accident.
Section: 4. TERVISEKINDLUSTUS > 4.4 Tervisekindlustuse välistused
kulu, mis on seotud raseduse või sünnitusega (k.a abort), v.a vältimatu abi õnnetusjuhtumi tagajärjel;
Personal (civil) liability
Optional
No limit stated
Optional add-on covering the insured's legal liability for unlawfully causing damage to a third party's property or health while traveling; the sum insured is set on the policy. Funeral costs of a third party are covered up to 3000 EUR.
Section: 8. REISIKINDLUSTUSE VASTUTUSKINDLUSTUS
kindlustatu poolt kolmandale isikule õigusvastase tegevuse käigus lepinguvälise kahju tekitamine, mille tagajärjel on kindlustatul seadusest tulenev kahju hüvitamise kohustus.
Legal costs (within liability cover)
€3K
Court costs awarded against the insured and pre-agreed legal costs for establishing liability are covered up to 10% of the damage amount, but not more than 3000 EUR, within the optional liability cover.
Section: 8. REISIKINDLUSTUSE VASTUTUSKINDLUSTUS > 8.2 Reisikindlustuse vastutuskindlustusjuhtumi alusel hüvitatavad kulud ja nende tasumise kord
Õigusabikulu hüvitatakse summas kuni 10% kahju suurusest, kuid mitte rohkem kui 3000 eurot.
24/7 assistance line
No limit stated
A medical assistance coordinator arranges and handles medical claims abroad.
Section: 1. PÕHIMÕISTED
Meditsiiniabi koordinaator on kindlustuslepingus märgitud juriidiline isik, kes on Salva koostööpartner ja kes vajaduse korral korraldab kindlustusjuhtumi menetluse väljaspool Eesti Vabariiki.
Key conditions
Assistance call deadline
If the insured needs hospital treatment, the medical assistance coordinator or Salva must be informed immediately and further actions coordinated; after any claim, a written claim notice must generally be submitted no later than 15 days after the event or after returning from the trip.
Unauthorized treatment
Costs related to repatriation to Estonia are not covered unless Salva or the medical assistance coordinator gave consent; if repatriation is deemed necessary by Salva/coordinator but the insured refuses, Salva may refuse to cover later related costs.
Purchase while abroad
If the insured is already outside Estonia when the contract is concluded, cover starts only from the 15th day after the policy is issued, unless the new insurance period begins immediately after a previous Salva travel policy ends; the trip itself must generally start from Estonia unless otherwise agreed and noted on the policy.
Chronic conditions
Costs related to a chronic disease or its symptoms diagnosed before the cover took effect are excluded, except for a life- or health-threatening exacerbation that was unforeseeable before the trip and where travel was not contraindicated.
Pregnancy
Costs related to pregnancy, childbirth or abortion are excluded, except for emergency treatment following an accident; trip cancellation/interruption caused by pregnancy or its complications is also excluded.
Pre-existing condition exclusions
Pre-existing conditions diagnosed before the policy took effect are excluded from cover, with a narrow exception for an unforeseeable acute life- or health-threatening exacerbation where travel was not medically contraindicated.
Coverage duration limit
Travel insurance contracts are not concluded for longer than one year; for insured persons over 80 years old, the contract period may not exceed 21 days. Annual policies with a limited-cover option are valid only for 120 travel days within the period.
Direct payment
If the insured needs hospital treatment, the medical assistance coordinator or Salva must be informed immediately and further treatment coordinated with them; other verified claims are paid out no later than 15 working days after all required evidence and documents are submitted, credited to the insured's bank account.
Territorial scope
Coverage applies within the territory marked on the policy: Nordic countries, Latvia, Lithuania; Europe; Europe excl. Turkey, Northern Cyprus, Egypt; Russia; Ukraine; Belarus; worldwide; or worldwide excl. USA, Australia, Turkey, Egypt
Documents
Policy specifics
Trip cancellation/failure coverage
Covers financial losses from trip cancellation, interruption, or delay due to specified reasons
SourceClause 5.1Page 7Section: 5. REISITÕRKE KINDLUSTUS
Reisitõrge on reisi ärajäämine, katkemine ja reisile hilinemine.
Rental car deductible coverage
Optional coverage for rental car excess/deductible waiver
SourcePage 13Section: 7. RENDIAUTO OMAVASTUTUSKINDLUSTUS
Rendiauto omavastutuskindlustuse esemeks on välisriigi autorendiettevõtte poolt kindlustatule rendilepingu alusel esitatud omavastutuse nõue
Civil liability coverage
Optional coverage for third-party liability during travel
SourceClause 8.1.1Page 14Section: 8. REISIKINDLUSTUSE VASTUTUSKINDLUSTUS
kindlustatu poolt kolmandale isikule õigusvastase tegevuse käigus lepinguvälise kahju tekitamine, mille tagajärjel on kindlustatul seadusest tulenev kahju hüvitamise kohustus.
Age-related policy term limits
Standard maximum contract period is one year; for over-80 age group maximum is 21 days
SourceClause 2.7Page 4Section: 2. REISIKINDLUSTUSE LEPINGU SÕLMIMINE JA LÕPPEMINE
Kindlustuslepinguid ei sõlmita pikema perioodiga kui üks aasta. Üle 80-aastase kindlustatu kasuks ei sõlmita kindlustuslepinguid pikema perioodiga kui 21 päeva.
Coverage territory selection
At contract conclusion, the insured can select the territory where coverage applies
SourceClause 1.7Page 3Section: 1. PÕHIMÕISTED
Kehtivuspiirkond on kindlustuslepingus kokkulepitud territoorium, kus kindlustuskaitse kehtib.
Travel definition and period
Travel is defined as temporary stay abroad. Coverage begins when departing Estonia and ends on return to Estonia
SourceClause 1.14Page 3Section: 1. PÕHIMÕISTED
Reisiks loetakse kindlustatu ajutist viibimist välismaal. Kindlustuskaitse kehtivuseks peab reis algama Eesti Vabariigist.
Medical assistance coordination requirement
Repatriation and certain medical services require prior approval from Salva or medical assistance coordinator
SourceClause 4.6.2Page 7Section: 4. TERVISEKINDLUSTUS > 4.6 Kohustused pärast tervisekindlustuse kindlustusjuhtumi toimumist
Juhul kui kindlustatu vajab haiglaravi, tuleb tal informeerida viivitamatult meditsiiniabi koordinaatorit või Salvat ning kooskõlastada edasised tegevused, ravi ning ravi ulatus.
Baggage storage and security requirements
Baggage must be stored in a locked room at accommodation and transport; personal documents, watches, keys and electronic devices must be kept under the insured's constant direct supervision, carried only as hand luggage, and kept in a safe at the accommodation
SourceClause 6.6.1-6.6.2Page 12Section: 6. PAGASIKINDLUSTUS > 6.6 Kohustused enne pagasikindlustusjuhtumi toimumist
Majutuskohtades ja transpordivahendites tuleb pagasit hoida selleks ettenähtud lukustatud ruumis... Isiklikud dokumendid, käekellad, võtmed ja elektroonilised seadmed... peavad olema kindlustatu pideva ja vahetu järelvalve all ja neid tuleb transportida ainult käsipagasis. Majutusasutuses tuleb eelnimetatud asju hoida seifis.
Claim notification deadline
Notify Salva immediately and submit a written claim no later than 15 days after the event or after returning from the trip
SourceClause 10.1Page 16Section: 10. KINDLUSTUSVÕTJA ÜLDISED KOHUSTUSED PÄRAST KINDLUSTUSJUHTUMI TOIMUMIST
Kindlustatul/kindlustusvõtjal tuleb Salvat kahjujuhtumist viivitamatult teavitada ning esitada mitte hiljem kui 15 päeva jooksul pärast kahjujuhtumi toimumist või reisilt saabumist Salvale kirjalik kahjuavaldus.
Sources
- docs.ekml.eehttps://docs.ekml.ee/file/download/B3H87Krv(opens in a new tab)
- salva.eehttps://www.salva.ee/sites/default/files/insurance/terms/Reisikindlustuse%20tingimused%20RKT-26.01%20EE.pdf#page=12(opens in a new tab)
- salva.eehttps://www.salva.ee/sites/default/files/insurance/terms/Reisikindlustuse%20tingimused%20RKT-26.01%20EE.pdf#page=13(opens in a new tab)
- salva.eehttps://www.salva.ee/sites/default/files/insurance/terms/Reisikindlustuse%20tingimused%20RKT-26.01%20EE.pdf#page=14(opens in a new tab)
- salva.eehttps://www.salva.ee/sites/default/files/insurance/terms/Reisikindlustuse%20tingimused%20RKT-26.01%20EE.pdf#page=15(opens in a new tab)
- salva.eehttps://www.salva.ee/sites/default/files/insurance/terms/Reisikindlustuse%20tingimused%20RKT-26.01%20EE.pdf#page=16(opens in a new tab)
- salva.eehttps://www.salva.ee/sites/default/files/insurance/terms/Reisikindlustuse%20tingimused%20RKT-26.01%20EE.pdf#page=2(opens in a new tab)
- salva.eehttps://www.salva.ee/sites/default/files/insurance/terms/Reisikindlustuse%20tingimused%20RKT-26.01%20EE.pdf#page=3(opens in a new tab)
- salva.eehttps://www.salva.ee/sites/default/files/insurance/terms/Reisikindlustuse%20tingimused%20RKT-26.01%20EE.pdf#page=4(opens in a new tab)
- salva.eehttps://www.salva.ee/sites/default/files/insurance/terms/Reisikindlustuse%20tingimused%20RKT-26.01%20EE.pdf#page=5(opens in a new tab)
- salva.eehttps://www.salva.ee/sites/default/files/insurance/terms/Reisikindlustuse%20tingimused%20RKT-26.01%20EE.pdf#page=6(opens in a new tab)
- salva.eehttps://www.salva.ee/sites/default/files/insurance/terms/Reisikindlustuse%20tingimused%20RKT-26.01%20EE.pdf#page=7(opens in a new tab)
Salva Travel insurance