Salva Kindlustuse AS
Salva
Salva is a travel insurance for the Estonia market with online purchase and limited assistance availability.
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.
Geographic scope
Territory is selected at policy conclusion from a list of zones (Nordic countries/Baltics, Europe, Europe excl. certain countries, Russia, Ukraine, Belarus, worldwide, or worldwide excluding certain countries)
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
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
Only in tervisekindlustus
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.
Emergency medical treatment
Covered
No limit stated
Only in tervisekindlustus
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.
Hospitalization costs
Covered
No limit stated
Only in tervisekindlustus
Inpatient (hospital) treatment costs are covered under the medical expenses insurance; no separate cap is stated, the overall policy sum insured applies.
Outpatient (ambulatory) treatment
Covered
No limit stated
Only in tervisekindlustus
Ambulatory treatment costs are covered under the medical expenses insurance; no separate cap is stated, the overall policy sum insured applies.
Emergency dental treatment
€300
Only in tervisekindlustus
Dental treatment costs are covered up to 300 EUR per insurance period.
Transport to obtain medical care
Covered
No limit stated
Only in tervisekindlustus
Reasonable and justified transport costs to receive medical assistance abroad are covered without a separately stated cap.
Medical evacuation / repatriation home
Covered
No limit stated
Only in tervisekindlustus
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.
Funeral costs abroad / repatriation of remains
€3,000
Only in tervisekindlustus
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.
Search and rescue
No limit stated
No mention of a dedicated search and rescue benefit was found in the terms, IPID or product page.
COVID-19 / pandemic treatment
Excluded
Losses caused by pandemic, epidemic or environmental contamination are explicitly excluded under the general exclusions.
Pre-existing / chronic conditions
Conditional
Only in tervisekindlustus
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.
Winter sports cover
Optional
Only in tervisekindlustuse lisakaitse
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.
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.
Pregnancy complications
Conditional
Only in tervisekindlustus
Costs related to pregnancy or childbirth (including abortion) are excluded, except for emergency care required as a result of an accident.
Personal (civil) liability
Optional
No limit stated
Only in reisikindlustuse vastutuskindlustus
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.
Legal costs (within liability cover)
€3,000
10% of insured sum
Only in reisikindlustuse vastutuskindlustus
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.
24/7 assistance line
No limit stated
A medical assistance coordinator handles claims processing abroad, but no source explicitly states the line operates 24/7.
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.
Policy specifics
Trip cancellation/failure coverage
Covers financial losses from trip cancellation, interruption, or delay due to specified reasons
SourceAge-related policy term limits
Standard maximum contract period is one year; for over-80 age group maximum is 21 days
SourceCoverage territory selection
At contract conclusion, the insured can select the territory where coverage applies
SourceTravel definition and period
Travel is defined as temporary stay abroad. Coverage begins when departing Estonia and ends on return to Estonia
SourceMedical assistance coordination requirement
Repatriation and certain medical services require prior approval from Salva or medical assistance coordinator
SourceBaggage storage and security requirements
Baggage must be stored in locked secure facilities; valuable items require direct supervision and hand luggage transport
SourceClaim notification deadline
Claims must be submitted no later than 90 days after the event giving rise to the claim
Source