Swedbank Travel insurance (Travel Insurance)
Underwritten by Swedbank P&C Insurance AS · Estonia
travel insurance from Swedbank for the Estonia market, with online purchase and 24/7 assistance.
Verified Aug 28, 2026 · Terms dated 2022-03-10Sources
Key facts
- Medical transport up to €750,000
Unique selling points
Medical expenses coverage of €750,000, including treatment and transport costs.
Automatic COVID-19 medical and trip-disruption cover included at no extra cost for policyholders who meet the eligibility conditions.
Cover begins the moment the insured leaves home or work, not only upon crossing the border.
Skiing within marked pistes at a resort is included in the standard policy, without needing a separate sports add-on.
The policy can be purchased and managed entirely online through Swedbank's internet bank.
Coverage limits
Medical expenses coverage
€750K
Travel insurance covers emergency medical assistance up to €750,000 per insured person.
Emergency medical treatment
€750K
Medically justified emergency treatment costs abroad, including prescribed medication, are covered within the €750,000 medical expenses limit.
Hospitalization
No limit stated
Not found as a separately stated sub-limit in the available sources; likely included within the overall medical expenses limit.
Outpatient treatment
No limit stated
Not found as a separately stated sub-limit in the available sources.
Emergency dental treatment
€200
Dental trauma and acute toothache treatment costs are covered as emergency first aid, limited to €200 per claim.
Section: Kindlustuskaitsed > Meditsiiniabi kindlustus
Hambaravi korral on hüvitis piiratud esmaabikuludega 200 euro ulatuses kindlustusjuhtumi kohta.
Medical transport costs
€750K
Treatment and transport costs share a combined limit of €750,000 per the credit-card-linked terms benefits table.
Section: Kindlustuskaitse kehtivus ja kindlustussummad
Ravi- ja transpordikulud 750 000
Medical evacuation
Covered
If the insured's health condition allows transport, the insurer may decide to return the insured to their home country at its own cost or cover further treatment abroad.
Section: Kindlustuskaitsed > Meditsiiniabi kindlustus
Kui Teie tervislik seisund võimaldab transportimist, on meil õigus otsustada, kas toimetada Teid meie kulul tagasi kodumaale või hüvitada välisriigis edasise ravimise kulud.
Repatriation of remains
No limit stated
Not found as a separately stated benefit in the available sources.
COVID-19 related medical treatment
€750K
COVID-19 hospitalization costs are reimbursed for up to 12 months or until the €750,000 medical expenses sum is exhausted; cover applies automatically at no extra cost if at least one of several eligibility conditions is met (negative test within 72 hours, recovery within 6 months, or a valid EU-compliant vaccination certificate), unless the insured fell ill before departure or was ordered into self-isolation in Estonia.
Section: 4. Millised võimalikud COVID-19 lisakaitsest tulenevad kulud mulle hüvitatakse?
Kui peaksid reisil olles haigestuma koroonaviirusesse ja vajama haiglaravi, hüvitatakse Sinu meditsiiniabi kulud kuni 12 kuu ulatuses või kuni medistiiniabi kindlustussumma 750 000 euro täitumiseni.
Winter sports cover
Covered
Skiing within marked pistes at a ski resort is covered under the standard travel insurance; skiing outside marked pistes requires the optional hazardous-activity add-on.
Section: Lisaabi kindlustusseltsidelt
Näiteks on Swedbanki reisikindlustuse näitel suusakuurordis märgistatud radade piires sõitmine kaetud ka tavalise reisikindlustusega, kuid märgistatud radadest väljaspool sõitmiseks tuleks juurde võtta ohtliku tegevuse lisakaitse.
Adventure / hazardous activity cover
Optional
An optional hazardous-activity add-on is available for sports trips and physically demanding activities not covered by the base policy, such as off-piste skiing, diving or kite-surfing.
Section: Sulle, kui puhkad välismaal – reisikindlustus
Saad juurde teha ohtliku tegevuse lisakaitse, kui plaanid reisil näiteks minna sukelduma, lohesurfi tegema vms.
Personal liability
€10K
Covers damage caused by the insured to a third party's health or property, up to €10,000 per claim.
Section: Kindlustuskaitse kehtivus ja kindlustussummad > Vastutus- ja õigusabikindlustus
Vastutuskindlustus 10 000
Legal assistance
€1K
Covers necessary and reasonable legal costs abroad up to €1,000, as part of the liability and legal-aid cover.
Section: Kindlustuskaitse kehtivus ja kindlustussummad > Vastutus- ja õigusabikindlustus
Õigusabi 1000
Key conditions
Assistance call deadline
Medical costs exceeding €1,000, and all other costs, must be agreed with the insurer in advance.
SourcePage 4Section: Kindlustuskaitsed > Meditsiiniabi kindlustus
Ravikulud, mis ületavad 1000 eurot, ning kõik muud kulutused peavad olema enne meiega kooskõlastatud.
Unauthorized treatment
Not stated in the available sources.
Purchase while abroad
Not stated in the available sources.
Chronic conditions
Not stated in the available sources.
Pregnancy
Not stated in the available sources.
Pre-existing condition exclusions
Not stated in the available sources.
Coverage duration limit
A policy purchased through Swedbank's internet bank can be valid for up to one year; travel insurance linked to the Gold credit card covers each trip for up to three months.
SourceSection: 8. Kui pikaks ajaks saab teha reisikindlustust?
Internetipanga s ostetud kindlustuse periood võib olla kuni üks aasta. ... Krediitkaardiga kaasnev reisikindlustus kehtib kolme kuu pikkustele reisidele.
Direct payment
Not explicitly stated in the available official sources.
Territorial scope
Coverage applies to a temporary stay in one or more foreign countries, starting from departure from home or workplace and ending upon return to the home country.
Documents
Policy specifics
Travel disruption insurance
Covers trip cancellation and delays in case of illness or transport delays
SourceBaggage and personal belongings insurance
Coverage for luggage, baggage and portable items during travel
SourceSports trips and active activities coverage
Optional additional coverage available for sports, adventure travel and physically demanding activities
SourceCOVID-19 related coverage
Coverage for trip cancellation due to coronavirus infection and quarantine-related expenses during travel
SourceSection: 2. Kas ma pean arvestama ka mingite tingimustega, mis peaksid olema täidetud, et COVID-19 lisakaitse kehtiks?
COVID-19 lisakaitse kehtib nii meditsiiniabi- kui ka reisitõrke juhtumite puhul kui valitud on mõlemad kaitsed ning kui täidetud on vähemalt üks järgmistest eeltingimustest
Trip definition
Coverage applies to temporary stay in one or multiple foreign countries during travel to and from home or workplace
SourcePage 1Section: Mõisted
Reis on ajutine viibimine ühes või mitmes välisriigis koos sinna mineku ja sealt tagasi tulekuga.
Home country definition
Home country means country where insured person has resided over 183 days in preceding 365 days; coverage extends from point of departure to home/workplace and return journey
SourcePage 1Section: Kindlustuskaitse kehtivus ja kindlustussummad
Kodumaa tähendab riiki, kus Te alaliselt elate (olete seal elanud üle 183 päeva reisile eelnenud 365 päeva jooksul). Kodumaal kehtib kindlustuskaitse teel lennujaama või mujale reisi lähtekohta ning tagasiteel Teie koju või töökohta.
Emergency medical definition
Reasonable costs of emergency medical care delivered abroad and medically justified urgent treatment, including prescribed medications and medical devices
SourcePage 3Section: Kindlustuskaitsed > Meditsiiniabi kindlustus
Kui Teie tervislik seisund halveneb vigastuse või ägeda haiguse tõttu välisriigis, hüvitame välisriigis osutatud ja meditsiiniliselt põhjendatud kiireloomulise raviga seotud mõistlikud kulud, sealhulgas arsti poolt määratud ravimite ja meditsiiniliste abivahendite soetamise kulud.
Trip disruption waiting period
Trip cancellation coverage for illness or accident does not apply to events occurring before insurance contract effective date; coverage begins on third day after policy inception for illness-related trip cancellation
SourceSection: 1. Millal reisikindlustus sõlmida?
Pea meeles, et reisi ärajäämise kaitse ootamatu haiguse või õnnetuse korral hakkab kehtima kolm päeva pärast kindlustuslepingu sõlmimist.
Sources
- blog.swedbank.eehttps://blog.swedbank.ee/kindlustus/10-kusimust-millele-reisikindlustust-valides-moelda(opens in a new tab)
- blog.swedbank.eehttps://blog.swedbank.ee/kindlustus/reisikindlustus-peab-vastama-konkreetsetele-vajadustele(opens in a new tab)
- blog.swedbank.eehttps://blog.swedbank.ee/kindlustus/reisikindlustus/swedbanki-covid-19-reisikindlustus(opens in a new tab)
- swedbank.eehttps://www.swedbank.ee/holidays/(opens in a new tab)
- swedbank.eehttps://www.swedbank.ee/private/insurance/travel/travelInsurance(opens in a new tab)
- swedbank.eehttps://www.swedbank.ee/static/pdf/private/insurance/travel/conditions_travel_card_gold_EE_20220310_est.pdf#page=1(opens in a new tab)
- swedbank.eehttps://www.swedbank.ee/static/pdf/private/insurance/travel/conditions_travel_card_gold_EE_20220310_est.pdf#page=11(opens in a new tab)
- swedbank.eehttps://www.swedbank.ee/static/pdf/private/insurance/travel/conditions_travel_card_gold_EE_20220310_est.pdf#page=2(opens in a new tab)
- swedbank.eehttps://www.swedbank.ee/static/pdf/private/insurance/travel/conditions_travel_card_gold_EE_20220310_est.pdf#page=3(opens in a new tab)
- swedbank.eehttps://www.swedbank.ee/static/pdf/private/insurance/travel/conditions_travel_card_gold_EE_20220310_est.pdf#page=4(opens in a new tab)
Swedbank Travel insurance