Swedbank
Swedbank is a travel insurance for the EE market with no online purchase and 24/7 assistance.
Direct payment
Medical expenses exceeding €1,000 and all other expenditures must be pre-approved with Swedbank P&C Insurance AS before being incurred. The insurer may decide to repatriate the insured at its own cost or cover further treatment abroad. The insurer reimburses reasonable costs of necessary phone calls made in connection with the insured event.
Geographic scope
EE
Worldwide except country of permanent residence (Estonia). Coverage also applies en route to/from the airport or trip departure point within the home country.
Unique selling points
- High medical assistance limit of €750,000 per insured person per event, well above standard card-linked travel insurance in Estonia.
- Family members (spouse, partner, children and grandchildren up to age 21 if studying full-time) are automatically co-insured when travelling with the cardholder at no extra premium.
- 24/7 claims helpline (phone 888 2111) with reimbursement of necessary phone call costs incurred in connection with the claim.
- COVID-19 medical treatment and travel disruption costs are covered under a built-in COVID-19 add-on when the cardholder holds a valid negative test, recovery certificate, or vaccination proof, with hospitalisation covered up to 12 months.
- Coverage activates automatically from the moment the Gold credit card agreement is signed, with no requirement to pay for travel with the card – the insurance is always in force for the duration of the card agreement.
Coverage limits
Medical assistance – treatment and transport costs
Covered
Covers medically justified costs of urgent treatment provided abroad due to injury or acute illness, including physician-prescribed medications and medical aids. Maximum €750,000 per insured person per insured event.
Emergency medical treatment abroad
Covered
Covers reasonable costs of urgent, medically justified treatment provided abroad when the insured's health deteriorates due to injury or acute illness, including medications and medical devices prescribed by the attending physician.
Hospitalisation costs abroad
Covered
Hospitalisation costs are covered under the general medical assistance limit of €750,000. COVID-19 hospitalisation is covered for up to 12 months or until the medical assistance sum of €750,000 is exhausted.
Outpatient treatment abroad
Covered
Outpatient treatment costs are covered under the general medical assistance limit of €750,000, provided symptoms first appear during the trip. Only costs related to illnesses or injuries whose symptoms appear for the first time during the trip are reimbursed; for chronic conditions only emergency first aid for unexpected exacerbations is covered.
Emergency dental treatment
Covered
Dental treatment is limited to first-aid costs up to €200 per insured event, covering dental trauma and acute dental pain.
Medical transport and repatriation costs
Covered
Covers transport costs to/from medical facilities and accommodation, as well as repatriation to the home country if medically necessary. The insurer decides whether to repatriate at its own cost or to cover further treatment abroad. Also covers costs for a relative's round trip to visit the insured if hospitalised for at least 10 days abroad, and reasonable trip extension costs.
Medical evacuation
Covered
If the insured's condition allows transport, the insurer has the right to decide whether to repatriate the insured at its own expense or to cover further treatment abroad. Covered under the overall medical assistance limit of €750,000.
Repatriation of remains
Covered
Covers the costs of transporting the body or urn to the home country. At the request of relatives, the insurer arranges cremation in the country where the insured event occurred.
Search and rescue
Not offered
Search and rescue costs are not explicitly mentioned as a covered benefit in the policy terms. The policy covers medical and transport costs but does not list dedicated search and rescue costs.
COVID-19 treatment
Conditional
Medical and travel disruption costs related to COVID-19 are covered under the COVID-19 add-on protection (lisakaitse). Coverage applies if the insured holds a valid negative COVID-19 test result (taken within 72 hours before departure), a recovery certificate from the past 6 months, or a valid vaccination certificate. Hospitalisation covered for up to 12 months or until the €750,000 medical assistance limit is reached. The general epidemic/pandemic exclusion does not apply to this add-on.
Pre-existing conditions
Excluded
Costs related to physical injuries, disabilities, or chronic illnesses that existed before the start of the trip are explicitly excluded. For chronic diseases, only costs related to unexpected acute exacerbations (first aid) are covered. Costs of pre-planned treatment are not covered.
Winter sports cover
Excluded
Skiing or snowboarding outside of designated areas and speed skiing (sööstlaskumine) are explicitly excluded as hazardous activities. Standard on-piste skiing and snowboarding are not listed as excluded, but off-piste and speed skiing are excluded.
Adventure and hazardous sports cover
Excluded
A broad list of hazardous activities is excluded from standard coverage, including diving deeper than 10 m, solo diving, paragliding, aviation sports, bungee jumping, mountaineering above 4,500 m, alpinism, combat/contact sports, motorsports, and other equivalent high-risk activities. No optional add-on for hazardous sports is mentioned in the Gold card policy document.
Pregnancy complications
Excluded
Medical costs related to pregnancy and childbirth incurred from the 28th week of pregnancy onwards are explicitly excluded, except for emergency care resulting from an accident. Abortion-related medical costs are also excluded. Pregnancy-related travel plan changes are excluded unless the insured was unaware of the pregnancy at the time of purchasing the policy.
Personal liability insurance
Covered
Covers property damage or personal injury caused by the insured to third parties for which the insured bears civil liability. Maximum €10,000 per credit card. Covers medical costs, loss of income due to incapacity, funeral costs, and maintenance compensation for personal injury; restoration/replacement costs and destruction losses for property damage.
Legal assistance and bail bond
Covered
Covers necessary and justified legal assistance costs (up to €1,000) if the insured commits an unlawful act abroad due to negligence or carelessness. Additionally, a bail bond of up to €3,000 may be advanced, which must be repaid to the insurer within 12 months.
24/7 claims and assistance helpline
Covered
Swedbank P&C Insurance AS claims handling is available 24 hours a day by phone (888 2111) and by email (kahjuabi@swedbank.ee). Claims can also be submitted via the internet bank at www.swedbank.ee/kindlustus. The insurer reimburses the cost of necessary phone calls made in connection with the insured event.
Key conditions
Assistance call deadline
Report the claim to Swedbank P&C Insurance AS claims handling as soon as possible. Medical expenses exceeding €1,000 and all other expenditures must be pre-approved with the insurer before being incurred. There is no explicit deadline for the initial call, but costs not pre-approved by the insurer are not reimbursed.
Unauthorized treatment
Medical costs exceeding €1,000 and all other expenditures that have not been pre-approved with Swedbank P&C Insurance AS will not be reimbursed. There is no explicit penalty percentage stated, but unauthorised costs are simply not covered.
Purchase while abroad
The insurance is linked to the Swedbank Gold free-repayment credit card agreement. Coverage begins at the moment the credit card agreement is concluded and remains in force until the agreement ends. There is no option to purchase additional coverage while already abroad under this card-linked policy.
Chronic conditions
For chronic diseases, only the costs of emergency first aid due to an unexpected acute exacerbation are covered. Costs related to pre-existing physical injuries, disabilities, or chronic illnesses are excluded. Planned treatment costs are not covered.
Pregnancy
Medical costs related to pregnancy and childbirth incurred from the 28th week of pregnancy are excluded, except for emergency care resulting from an accident. Abortion-related costs are excluded. Travel plan change costs caused by pregnancy are excluded unless the insured was unaware of the pregnancy at the time of concluding the insurance agreement.
pre_existing_conditions
Costs related to physical injuries, disabilities, or chronic illnesses existing before the start of the trip are explicitly excluded. Only costs of illnesses or injuries whose symptoms appear for the first time during the trip are reimbursed. Chronic disease acute exacerbation first aid is an exception and is covered.
coverage_duration_limit
Coverage applies for a maximum of three months per trip. If a trip is longer than three months, coverage ceases after three months. Coverage is valid worldwide except in the insured's home country (country of permanent residence: lived there for more than 183 days in the 365 days prior to the trip).
Where to buy
Documents
Reisikindlustuse tingimused – Swedbank ASi Gold vaba tagasimaksega krediitkaartidele (alates 10.03.2022)
terms_and_conditions
Policy specifics
Medical assistance coverage limit
Maximum coverage for medical expenses abroad: €750,000 per insured person per insured event
Travel disruption insurance
Optional coverage for trip cancellation and travel delay situations due to illness or transport issues
COVID-19 coverage
Automatic coverage for COVID-19 related medical and trip disruption expenses, effective as of May 2021
Hazardous activities optional coverage
Optional add-on coverage for high-risk sports and activities like scuba diving, paragliding, or off-piste skiing
Luggage and personal items coverage
Coverage for luggage damage, loss, or delay; personal items damage during travel
Hazardous activities – standard exclusions
The policy excludes a broad list of hazardous activities from all coverages, including off-piste skiing/snowboarding, speed skiing, diving deeper than 10 m, solo/night/wreck/cave diving, aviation sports, bungee/parachute jumps, mountaineering above 4,500 m, alpinism, combat sports, motorsports, expeditions to uninhabited areas, and participation in official sports competitions or training camps.
War and armed conflict exclusion
Damage caused by weapons of mass destruction, war or war-like situations, coup d'état, uprising, or civil unrest is excluded from all coverages.
Deductible (omavastutus)
The deductible is €30 per insured event. The deductible applies to property insurance, travel disruption insurance (travel plan change), and liability and legal assistance insurance claims. The deductible does not apply to medical assistance insurance claims.
Trip definition and coverage period
Trip is temporary stay in one or more foreign countries, starts at departure from home/workplace, ends at return. Coverage begins at departure, ends at return home.
Deductible (omavastutus)
Customer's share of claim amount deducted for each insured event. Portion remains customer's responsibility.
Claim reporting requirements
Theft/robbery must be reported to local police within 24 hours. Transport damage must be registered with transport operator. Medical events must be documented by physician.
Maximum trip duration
Credit card travel insurance valid for trips up to 90 days. Separate insurance can extend coverage for longer trips.
War and armed conflict exclusion with exception
General exclusion: war, armed conflict, terrorism not covered. Exception: For trips started before Feb 28, 2026 to Middle East, repatriation costs covered as exception.
Pre-existing health conditions
Coverage generally applies to illnesses with symptoms first appearing during trip. Pre-existing chronic conditions typically excluded unless declared.