Seesam Travel insurance (Seesam Reisikindlustus)
Underwritten by Compensa Vienna Insurance Group, ADB Eesti filiaal · Estonia
travel insurance from Seesam for the Estonia market, with online purchase.
Verified Aug 28, 2026 · Terms dated 2026-01-30Sources
Unique selling points
Medical treatment sum insured can be selected up to 1,000,000 EUR according to the traveller's needs.
Optional rental-car deductible (excess) cover protects against the excess payable if a rented car is damaged, stolen or robbed.
Emergency dental first aid covered up to 500 EUR per trip.
Annual multi-trip policyholders can take single trips of up to 90 consecutive days.
An optional 'Hazardous Activity' endorsement extends medical cover to skiing, windsurfing, kitesurfing, ATV riding, mass sporting events and other higher-risk pursuits.
Coverage limits
Medical Expenses
Covered
Covers doctor-prescribed, reasonable and necessary treatment costs abroad, including hospital bed-day fees, examinations, medication and necessary medical aids, plus reasonable emergency first-aid costs for a sudden exacerbation of a chronic illness. The exact sum insured is chosen individually on the policy.
Section: 3. MEDITSIINIABI HÜVITIS > 3.1 Ravikulud
Välisriigis arsti poolt määratud põhjendatud ja vältimatud ravikulud, sh voodipäevatasud, uuringud ja ravimid.
Emergency Medical Treatment
Covered
Emergency medical care following a sudden acute illness, accident or death occurring abroad during the trip is the core insured event of the medical module.
Section: 2. MEDITSIINIABI KINDLUSTUSJUHTUM
Meditsiiniabi kindlustusjuhtumiks on kindlustatuga reisil toimunud ootamatu äge haigestumine, õnnetus või surm.
Hospitalization
Covered
Hospital bed-day fees incurred abroad as part of doctor-prescribed treatment are reimbursed as part of medical expenses; there is no separate sub-limit stated.
Section: 3. MEDITSIINIABI HÜVITIS > 3.1 Ravikulud
Välisriigis arsti poolt määratud põhjendatud ja vältimatud ravikulud, sh voodipäevatasud, uuringud ja ravimid.
Outpatient Treatment
Covered
Outpatient examinations, doctor consultations and prescribed medication abroad are reimbursed as part of medical expenses.
Section: 3. MEDITSIINIABI HÜVITIS > 3.1 Ravikulud
Välisriigis arsti poolt määratud põhjendatud ja vältimatud ravikulud, sh voodipäevatasud, uuringud ja ravimid.
Emergency Dental Treatment
€500
Emergency dental first-aid costs incurred abroad are reimbursed up to 500 EUR per insured person per trip.
Section: 3. MEDITSIINIABI HÜVITIS > 3.1 Ravikulud
Stomatoloogilise esmaabi kulud, mille hüvitispiir on 500 eurot ühe kindlustatu ja ühe reisi kohta.
Medical Transport
Covered
Reasonable costs for the injured or ill person to reach a medical facility and then an accommodation facility are reimbursed.
Section: 3. MEDITSIINIABI HÜVITIS > 3.3 Transpordi- ja majutuskulu
Hüvitatakse mõistlikud kulud kannatanu jõudmiseks raviasutusse ja sealt majutusasutusse.
Medical Evacuation / Return Home
Conditional
If medically indicated, transport and accommodation costs for the insured's return to Estonia are covered, including reasonable transport and accommodation costs for one accompanying person; all such costs must be pre-approved by Seesam.
Section: 3. MEDITSIINIABI HÜVITIS > 3.3 Transpordi- ja majutuskulu
Meditsiinilise näidustuse korral hüvitatakse kindlustatu Eestisse tagasi pöördumisega seotud transpordi- ja majutuse kulud.
Repatriation of Remains
€10K
If the insured dies abroad during the trip, burial or cremation costs abroad and/or transport of the remains or urn to Estonia are covered up to 10,000 EUR; costs must be pre-agreed with Seesam and reimbursement is paid to the person who bore the expense.
Section: 3. MEDITSIINIABI HÜVITIS > 3.5 Surm
Kui kindlustatu sureb reisi ajal välisriigis, kaetakse järgmised kulud hüvitispiiriga kuni 10 000 eurot:
COVID-19 Treatment
No limit stated
COVID-19 is treated like any other sudden illness under medical expenses cover, subject to the standard exclusions.
Pre-existing Conditions
Excluded
Costs relating to an illness, its symptoms, or a condition diagnosed before the insurance cover took effect are excluded from the medical module.
Section: 4. MEDITSIINIABI PIIRANGUD JA VÄLISTUSED > 4.5 Meditsiiniabi välistused
enne kindlustuskaitse kehtivust diagnoositud haiguse, haigussümptomite või varem diagnoositud haiguste ravile;
Winter Sports Cover
Optional
Downhill skiing or snowboarding on marked pistes at winter sports resorts is covered only if the 'Hazardous Activity' add-on is marked on the policy. Skiing/snowboarding off marked pistes, slalom, speed/downhill racing, freestyle, ski jumping, snowboard tricks and bobsleighing remain excluded even with the add-on.
Section: 4. MEDITSIINIABI PIIRANGUD JA VÄLISTUSED > 4.2 Ohtlik harrastus
mäesuusatamine või lumelauaga sõitmine tähistatud radadel talispordikeskuses;
Adventure / Hazardous Sports Cover
Optional
Activities such as weightlifting, powerlifting, ice hockey, ATV/snowmobile riding, competitive sports events, mass sporting events (e.g. marathons) and guided multi-day expeditions in uninhabited areas are covered only with the 'Hazardous Activity' add-on marked on the policy. Rock/mountain climbing, motorsport, air sports, contact sports, extreme sports, diving below 40m, parachute/bungee jumping and offshore sailing without a port call every 7 days remain excluded even with the add-on.
Section: 4. MEDITSIINIABI PIIRANGUD JA VÄLISTUSED > 4.2 Ohtlik harrastus
Meditsiiniabi kindlustuskaitse kehtib allpool loetletud harrastuste puhul ainult siis, kui poliisil on märge „Ohtlik harrastus”.
Pregnancy Complications
Conditional
Costs of pregnancy-related complications are covered up to the 35th week of pregnancy, subject to the overall medical sum insured chosen on the policy; costs related to childbirth, artificial insemination, termination of pregnancy, contraception or the newborn child are excluded.
Section: 3. MEDITSIINIABI HÜVITIS > 3.2 Rasedus
Rasedusega seotud tüsistuste kulud.
Personal Liability
Optional
Liability cover is one of the selectable insurance options under the Seesam travel policy; when marked on the policy, it covers damage unlawfully caused by the insured to a third party abroad.
Section: 1. MÕISTED > 1.3 Kindlustuskaitse
Kindlustuskaitse variantideks on meditsiiniabi kindlustus, reisitõrke kindlustus, pagasi kindlustus, vastutuskindlustus ja rendiauto omavastutuse kindlustus.
Legal Assistance
Optional
Legal defence costs for the insured are covered, when needed, as part of the optional liability insurance module selected on the policy.
Section: VASTUTUS > 16. VASTUTUSE HÜVITIS
Vajaduse korral hüvitatakse kindlustatu õigusabikulud tema kaitsmiseks.
Key conditions
Assistance call deadline
The insured must immediately notify Seesam or its claims-handling partner of any need for hospitalisation, surgery or repatriation and have the related costs pre-approved before they are incurred.
Unauthorized treatment
Costs for hospitalisation, surgery or repatriation that were not coordinated with Seesam in advance may be reduced or refused; Seesam may also reduce, refuse or reclaim a payout if the insured breached contractual requirements or provided false information.
Purchase while abroad
If the insured has already left Estonia and is travelling before the policy is purchased and the insurance period starts, the policyholder must inform Seesam of this when concluding the contract.
Chronic conditions
Only the reasonable and necessary emergency first-aid costs for a sudden, unexpected exacerbation of a chronic (recurring or continuous) illness are covered; treatment of the chronic disease itself is excluded.
Pregnancy
Costs of pregnancy-related complications are covered up to the 35th week of pregnancy; costs related to childbirth, artificial insemination, termination of pregnancy, contraception or the newborn child are excluded.
Pre-existing condition exclusions
Costs relating to an illness, symptoms or a condition diagnosed before the insurance cover took effect are not reimbursed.
Coverage duration limit
For an annual multi-trip policy the number of trips is unlimited, but a single trip may not exceed 90 consecutive days; the insurance period automatically extends by up to 48 hours if the trip is prolonged for reasons beyond the insured's control.
Direct payment
The insured may pay medical bills themselves and later submit them to Seesam for reimbursement, or may contact Seesam or its claims-handling partner to have bills for hospitalisation, surgery or repatriation settled directly, provided the costs are pre-approved.
Territorial scope
Coverage does not apply in Estonia or in the insured's country of permanent residence; medical, baggage and liability cover apply only abroad within the zone marked on the policy.
Documents
Seesam Travel Insurance Terms and Conditions 1/2026 (current) (opens in a new tab)
Terms & conditions · PDF
Seesam Travel Insurance Terms and Conditions 1/2022 (superseded) (opens in a new tab)
Terms & conditions · PDF
Travel Insurance IPID (Insurance Product Information Document) (opens in a new tab)
Product information sheet · PDF
Policy specifics
Hazardous Sports Coverage
Medical expenses coverage extends to surfing, kitesurfing and other hazardous sports when explicitly marked on the policy
SourceSection: Medical insurance
Cover for hazardous sports extends to surfing and kitesurfing , which means medical expenses are covered in the event of an accident during these activities
Pregnancy Emergency Coverage
Emergency medical care for pregnancy complications up to 35 weeks (excluding childbirth or premature labour)
SourceSection: Medical insurance
Emergency medical care for pregnancy complications up to 35 weeks (excl. childbirth or premature labour)
Dental Coverage Limit
Emergency dental first aid is reimbursed up to 500 EUR per insured person per trip.
SourceClause 3.1.3Page 2Section: 3. MEDITSIINIABI HÜVITIS > 3.1 Ravikulud
Stomatoloogilise esmaabi kulud, mille hüvitispiir on 500 eurot ühe kindlustatu ja ühe reisi kohta.
Chronic Disease Coverage Limit
Only reasonable and necessary emergency first-aid costs for a sudden exacerbation of a chronic illness are covered; the current terms do not state a separate per-trip currency limit for this benefit.
SourceClause 3.1.4Page 2Section: 3. MEDITSIINIABI HÜVITIS > 3.1 Ravikulud
Kroonilise haiguse ootamatu ägenemisega seotud põhjendatud ja vältimatud esmaabi kulud. Krooniline haigus on haigus, mis on loomult korduv või pidev.
Maximum Medical Coverage Limit
The maximum medical insurance coverage can be selected up to 1,000,000 EUR according to need
SourceSection: Medical insurance
The amount of medical insurance can be selected according to need, with the maximum cover being 1 000 000 euros .
Territorial Scope
Insurance does not apply in Estonia or in the insured person's country of permanent residence
SourceSection: Useful to know
Travel insurance is not valid in Estonia . The insurance does not cover travel within Estonia or apply in the insured person’s country of permanent residence.
Trip Interruption Insurance Variants
Travel interruption insurance is offered with three variants: basic coverage, expanded coverage, and optional cancellation coverage
SourceClause 6Page 4Section: REISITÕRGE > 6. REISITÕRKE KINDLUSTUSJUHTUM
Reisitõrke kindlustuskaitse variantideks on põhikaitse (6.1), laiendatud kaitse (6.2) ning omal soovil tühistamine (6.3).
Repatriation Coverage
In case of insured person's death while travelling, repatriation of remains to Estonia or cost of burial services in foreign country is covered up to 10,000 EUR
SourceClause 3.5Page 2Section: 3. MEDITSIINIABI HÜVITIS > 3.5 Surm
Kui kindlustatu sureb reisi ajal välisriigis, kaetakse järgmised kulud hüvitispiiriga kuni 10 000 eurot:
Claims Notice Requirement
For hospital care, surgery or repatriation, Seesam or Seesam's loss adjustment partner must be informed immediately and costs must be approved in advance
SourceClause 5.3Page 4Section: 5. KÄITUMINE MEDITSIINIABI KINDLUSTUSJUHTUMI KORRAL
Kindlustatu peab viivitamatult teavitama Seesamit või Seesami kahjukäsitluspartnerit kindlustatu koju toomise vajadusest, operatsiooni vajadusest või haiglaravi vajadusest ja kooskõlastama vastavad kulud:
Rental Car Deductible (Excess) Module
The 1/2026 terms introduce a new optional rental-car deductible module covering the excess the insured must pay under the rental agreement if a rented car is stolen, robbed, destroyed or damaged during the trip.
SourceClause 19.1Page 9Section: RENDIAUTO OMAVASTUTUS > 19. RENDIAUTO OMAVASTUTUSKINDLUSTUSE KINDLUSTUSJUHTUM
Kindlustusjuhtumiks on kindlustatu poolt renditud sõiduauto vargus, röövimine, hävimine või kahjustumine reisi ajal, mille tagajärjel tekib kindlustatul kohustus tasuda omavastutus vastavalt rendilepingule.
European Health Insurance Card Requirement
When requiring treatment in Europe, the insured must present a European insurance card (EHIC)
SourceClause 5.4Page 4Section: 5. KÄITUMINE MEDITSIINIABI KINDLUSTUSJUHTUMI KORRAL
Kui ravi vajatakse Euroopas, peab kindlustatud isik esitama raviasutusele Euroopa ravikindlustuskaardi.
Hazardous Activity Endorsement Requirement
If insured person engages in hazardous activities or dangerous work during travel, medical care coverage only applies if policy has specific additional coverage rider for the activity
SourceClause 4.1Page 3Section: 4. MEDITSIINIABI PIIRANGUD JA VÄLISTUSED > 4.1 Meditsiiniabi kehtivus
Kui kindlustatu tegeleb reisil olles ohtliku harrastuse või ohtliku tööga, kehtib meditsiiniabi kindlustuskaitse ainult juhul, kui poliisil on vastav kindlustuskaitse märge.
Trip Interruption Waiting Period
Trip cancellation/interruption coverage is subject to a 3-day waiting period after policy inception; coverage only valid 3 days after contract purchase
SourceSection: Hea teada!
Oluline! Reisi ärajäämise osas kehtib kolmepäevane viiteaeg ehk kindlustuskaitse hakkab kehtima kolm päeva peale lepingu jõustumist (näiteks kui poliis ostetakse 06.08, siis on ärajäämise kindlustuskaitse kehtiv alates 9.08).
Trip Interruption Event Timing Condition
If the trip interruption event occurs within 24 hours of leaving Estonia, both the unused prepaid services and any additional transport/accommodation costs are reimbursed; otherwise only one of the two is reimbursed, at the insured's choice.
SourceClause 7.3Page 5Section: 7. REISITÕRKE HÜVITIS
Kui reisitõrke kindlustusjuhtum toimus 24 tunni jooksul pärast Eesti Vabariigist lahkumist, hüvitab Seesam punktides 7.1 ja 7.2 nimetatud kahju.
War Exclusion
Losses directly or indirectly caused by war are not subject to compensation under travel insurance terms
SourceSection: Useful to know
In accordance with the terms and conditions of travel insurance, losses directly or indirectly caused by war are not subject to compensation.
Trip Interruption Illness-Symptom Threshold
An illness (including a pet's illness) is not considered a trip-interruption insured event if its symptoms appear before the fourth calendar day after the insurance contract is concluded.
SourceClause 8.1Page 6Section: 8. REISITÕRKE PIIRANGUD JA VÄLISTUSED
Reisitõrke kindlustusjuhtumiks ei loeta haigestumist (sh lemmiklooma haigestumist), mille sümptomid ilmnevad varem kui neljandal kalendripäeval alates kindlustuslepingu sõlmimisest .
Sources
- res30f.cooppank.eehttps://res30f.cooppank.ee/dg1aslker/image/upload/dokumendid/est/Reisikindlustus/Seesam_reisikindlustuse_tingimused.pdf#page=1(opens in a new tab)
- res30f.cooppank.eehttps://res30f.cooppank.ee/dg1aslker/image/upload/dokumendid/est/Reisikindlustus/Seesam_reisikindlustuse_tingimused.pdf#page=2(opens in a new tab)
- res30f.cooppank.eehttps://res30f.cooppank.ee/dg1aslker/image/upload/dokumendid/est/Reisikindlustus/Seesam_reisikindlustuse_tingimused.pdf#page=3(opens in a new tab)
- res30f.cooppank.eehttps://res30f.cooppank.ee/dg1aslker/image/upload/dokumendid/est/Reisikindlustus/Seesam_reisikindlustuse_tingimused.pdf#page=4(opens in a new tab)
- res30f.cooppank.eehttps://res30f.cooppank.ee/dg1aslker/image/upload/dokumendid/est/Reisikindlustus/Seesam_reisikindlustuse_tingimused.pdf#page=5(opens in a new tab)
- res30f.cooppank.eehttps://res30f.cooppank.ee/dg1aslker/image/upload/dokumendid/est/Reisikindlustus/Seesam_reisikindlustuse_tingimused.pdf#page=6(opens in a new tab)
- res30f.cooppank.eehttps://res30f.cooppank.ee/dg1aslker/image/upload/dokumendid/est/Reisikindlustus/Seesam_reisikindlustuse_tingimused.pdf#page=8(opens in a new tab)
- res30f.cooppank.eehttps://res30f.cooppank.ee/dg1aslker/image/upload/dokumendid/est/Reisikindlustus/Seesam_reisikindlustuse_tingimused.pdf#page=9(opens in a new tab)
- seesam.eehttps://seesam.ee/en/private/travel-insurance(opens in a new tab)
- seesam.eehttps://seesam.ee/eraklient/reisikindlustus(opens in a new tab)
Seesam Travel insurance