Travel insurance
You are planning your dream trip – whether it’s a ski adventure to Europe, a sunny getaway in Turkey, a relaxing spa holiday in Estonia or something else exciting. To ensure everything goes smoothly and you will return home safely, ERGO’s travel insurance is the best solution for you.
Travel insurance
For your carefree holiday
Before you travel, it is important to know which travel insurance to choose to ensure the most affordable and comprehensive coverage. While purchasing travel insurance we recommend to consider the following:
- are you travelling alone or would you like to insure your family members too, including travel insurance for your child;
- what sum insured for health insurance do you need for your trip;
- are you travelling with luggage and looking for luggage insurance? If so to what extent do you need coverage;
- do you want travel disruption coverage and would you prefer the insurer to help you find new flight tickets or accommodation.
We will help you find new flight tickets or accommodation
If your trip is interrupted, we will arrange new flight tickets for you to your final destination or back home and, as well as accommodation, if it is necessary.
We assist with luggage delays
If your luggage is delayed, you can purchase essential items such as hygiene products, smart office clothes, a warm jacket, thin summer clothes, rentable ski equipment, etc.
24/7 ERGO Travel Assistance worldwide
We assist in unpredictable situations such as illness or accident, flight delay or other unexpected events.
We also provide you with peace of mind when travelling in Estonia
We will indemnify the costs of a trip within Estonia, whether it’s an unused spa package, a concert ticket, a prepayment for a child’s training camp, etc.
Travel insurance online
ERGO’s online shop is the fastest and most affordable way to purchase travel insurance. Use our travel insurance calculator to determine the price of your travel insurance.
What is covered by travel insurance?
Insurance cover
Travel insurance covers the costs of an accident or sudden illness.
- health insurance when travelling
- travel disruption cover
- luggage insurance
- travel liability insurance
Health insurance when travelling
We will indemnify the costs of examination and treatment due to an accident or sudden illness during the trip. If you need medical transport (e.g. ambulance, rescue helicopter), we will also reimburse the costs.
If necessary, we will also reimburse the travel and accommodation costs of one companion.
Travel disruption coverage
If the trip is cancelled, we will reimburse the expenses incurred before the trip. If you are late to the starting point of the trip or do not follow your original timetable, we will reimburse justified expenses for continuing the trip or returning to Estonia for the reasons below. We also reimburse the costs of unused services, such as prepaid accommodation or concert tickets.
We will indemnify the expenses incurred if the trip is cancelled or interrupted for the following reasons:
- you or your immediate family member (or your only travel companion) suddenly fall(s) ill, get(s) into an accident, or die(s). For example, you fall ill before the start of a trip and therefore cannot go on the trip.
- You become a victim of a crime or your property is damaged. For example, while travelling, you will find out that an accident has occurred in your home and you need to return home.
- The vehicle is delayed due to a technical malfunction, traffic accident, or bad weather. For example, you will not arrive on time for the connecting flight, because the departure of the initial flight was delayed by several hours due to a blizzard.
If you need more extensive cover, choose additional travel disruption cover. This helps if your trip is cancelled or interrupted as a result of a natural disaster, a change of flight schedule or other unexpected event.
Luggage insurance
We will indemnify the theft, loss and damage of items carried during the trip, as well as the delay of luggage.
For example, when you get your suitcase back at the airport and you find that a corner of the suitcase is broken or the wheel has come off.
Travel liability insurance
We will indemnify any damage caused to a third party.
For example, when you are on a ski trip and you accidentally hit another skier going downhill whose equipment will be damaged and who will need medical attention after the collision.
Reimbursement of communication costs
We will indemnify reasonable and necessary communication costs incurred abroad due to an insured event.
For example, you need medical care in a foreign country and you call ERGO Travel Assistance, communicate with the hospital and notify the employer about going on sick leave.
What is covered by travel insurance?
Travel insurance covers the costs of an accident or sudden illness.
- health insurance when travelling
- travel disruption cover
- luggage insurance
- travel liability insurance
We will indemnify the costs of examination and treatment due to an accident or sudden illness during the trip. If you need medical transport (e.g. ambulance, rescue helicopter), we will also reimburse the costs.
If necessary, we will also reimburse the travel and accommodation costs of one companion.
If the trip is cancelled, we will reimburse the expenses incurred before the trip. If you are late to the starting point of the trip or do not follow your original timetable, we will reimburse justified expenses for continuing the trip or returning to Estonia for the reasons below. We also reimburse the costs of unused services, such as prepaid accommodation or concert tickets.
We will indemnify the expenses incurred if the trip is cancelled or interrupted for the following reasons:
- you or your immediate family member (or your only travel companion) suddenly fall(s) ill, get(s) into an accident, or die(s). For example, you fall ill before the start of a trip and therefore cannot go on the trip.
- You become a victim of a crime or your property is damaged. For example, while travelling, you will find out that an accident has occurred in your home and you need to return home.
- The vehicle is delayed due to a technical malfunction, traffic accident, or bad weather. For example, you will not arrive on time for the connecting flight, because the departure of the initial flight was delayed by several hours due to a blizzard.
If you need more extensive cover, choose additional travel disruption cover. This helps if your trip is cancelled or interrupted as a result of a natural disaster, a change of flight schedule or other unexpected event.
We will indemnify the theft, loss and damage of items carried during the trip, as well as the delay of luggage.
For example, when you get your suitcase back at the airport and you find that a corner of the suitcase is broken or the wheel has come off.
We will indemnify any damage caused to a third party.
For example, when you are on a ski trip and you accidentally hit another skier going downhill whose equipment will be damaged and who will need medical attention after the collision.
We will indemnify reasonable and necessary communication costs incurred abroad due to an insured event.
For example, you need medical care in a foreign country and you call ERGO Travel Assistance, communicate with the hospital and notify the employer about going on sick leave.
What additional covers do we offer?
Additional covers
To help you feel safe while away from home, we recommend considering whether to include additional coverages in your contract.
- natural disaster, change in flight plan, other unexpected events
- active holiday cover
- physical work cover
- competitive sports cover
- reimbursement of communication costs
Natural disaster, change in flight plan, other unexpected events
We will indemnify the expenses incurred if the trip is cancelled or interrupted for the following reasons:
- The schedule changes or the transport provided for in the travel package does not function due to an earthquake, volcanic eruption, hurricane, tsunami, flood, etc. For example, you are forced to cancel your trip because your destination has been hit by a hurricane, the hotel is closed, and the airport is not accepting flights.
- The airline changes the regular flight schedule after purchasing the tickets or the flight is overbooked. For example, you have bought your flight tickets several months in advance and the airline notifies you of the cancellation of your flight a month before your trip. The airline does offer a replacement flight, but it does not fit your travel plans and you need additional accommodation.
- Other unexpected events that are not excluded by the terms and conditions. For example, you are going a friend’s house for a vacation, but your friend suddenly falls ill and cannot host you.
Active holiday cover
If you are planning an active holiday, you should note this when purchasing travel insurance to ensure that your health insurance is valid during the trip.
An active holiday is, for example, going on a mountain hike (up to 5,000 m), hobby diving (maximum 40 m), mountain skiing or snowboarding on marked trails, going on an ATV safari, riding or cycling trip,an expedition to the pole, desert, jungle, wild or uninhabited area, sailing (except offshore sailing), surfing (including on a surfboard or kiteboard), water skiing or other activities involving such risks.
Physical work cover
If you plan to do physical work during your trip, you should note this when purchasing travel insurance to ensure that your health insurance is valid during the trip.
If you work in a foreign country as a builder, driver of a car or bus, forestry, agricultural or processing industry worker, domestic worker, babysitter, hotel attendant or do other work that requires physical effort, it is considered physical work.
Competitive sports cover
If you are planning to engage in competitive sports during your trip, you should note this when purchasing travel insurance to ensure that your health insurance is valid during the trip.
Competitive sports cover is required if you are participating in competitions or going to a training camp abroad. For example, you run the Helsinki Marathon or go to a cycling training camp.
What additional covers do we offer?
To help you feel safe while away from home, we recommend considering whether to include additional coverages in your contract.
- natural disaster, change in flight plan, other unexpected events
- active holiday cover
- physical work cover
- competitive sports cover
- reimbursement of communication costs
We will indemnify the expenses incurred if the trip is cancelled or interrupted for the following reasons:
- The schedule changes or the transport provided for in the travel package does not function due to an earthquake, volcanic eruption, hurricane, tsunami, flood, etc. For example, you are forced to cancel your trip because your destination has been hit by a hurricane, the hotel is closed, and the airport is not accepting flights.
- The airline changes the regular flight schedule after purchasing the tickets or the flight is overbooked. For example, you have bought your flight tickets several months in advance and the airline notifies you of the cancellation of your flight a month before your trip. The airline does offer a replacement flight, but it does not fit your travel plans and you need additional accommodation.
- Other unexpected events that are not excluded by the terms and conditions. For example, you are going a friend’s house for a vacation, but your friend suddenly falls ill and cannot host you.
If you are planning an active holiday, you should note this when purchasing travel insurance to ensure that your health insurance is valid during the trip.
An active holiday is, for example, going on a mountain hike (up to 5,000 m), hobby diving (maximum 40 m), mountain skiing or snowboarding on marked trails, going on an ATV safari, riding or cycling trip,an expedition to the pole, desert, jungle, wild or uninhabited area, sailing (except offshore sailing), surfing (including on a surfboard or kiteboard), water skiing or other activities involving such risks.
If you plan to do physical work during your trip, you should note this when purchasing travel insurance to ensure that your health insurance is valid during the trip.
If you work in a foreign country as a builder, driver of a car or bus, forestry, agricultural or processing industry worker, domestic worker, babysitter, hotel attendant or do other work that requires physical effort, it is considered physical work.
If you are planning to engage in competitive sports during your trip, you should note this when purchasing travel insurance to ensure that your health insurance is valid during the trip.
Competitive sports cover is required if you are participating in competitions or going to a training camp abroad. For example, you run the Helsinki Marathon or go to a cycling training camp.
24/7 Travel Assistance
With ERGO travel insurance, you will get 24-hour travel assistance service in Estonian. Contact ERGO Travel Assistance any time you have problems during your trip.
Why should you purchase travel insurance when planning a trip?
Purchase travel insurance immediately after buying flight tickets, paying for accommodation and booking travel, as this will ensure that the waiting period does not apply to your travel disruption insurance. The insurance contract is also cheaper if you purchase it early.
Put together an insurance package that suits your needs and choose the covers that are important to you.
ERGO 24/7 Travel Assistance is available around the clock and around the world.
Annual travel insurance covers all your travel destinations in Estonia and abroad throughout the year.
Annual multi-trip travel insurance
Multi-trip travel insurance is a good choice if you are often abroad for work or just like to travel frequently.
What to do in the event of a loss
If you fall ill while travelling and need medical attention
If you need medical care or help finding a medical institution, call ERGO Reisiabi at +372-633-3746. Our medical care partner, Inter Assist, will help you find a suitable medical institution and, if necessary, guarantees the payment of costs to the medical institution.
If you pay for the treatment yourself, keep all documents and invoices and submit them to ERGO together with a claim notice after returning to Estonia.
If you are unable to travel due to an unexpected event
Contact your travel agency, airline or hotel as soon as possible to change or cancel your trip. To get the benefit, submit a claim notice to ERGO along with documents proving the reason for the cancellation and the actual expenses.
If your flight is delayed and you can’t make it to your next flight
Check with the airline first whether replacement tickets are offered or existing tickets can be exchanged for an additional fee. If this option is not offered, new flight tickets must be bought to continue the journey. The most convenient way to do this is through ERGO Travel Assistance. Be sure to ask for proof of the delay or cancellation of the scheduled flight!
If your luggage will not arrive at the transfer point or destination with you
You must inform the luggage service at the local airport and request a corresponding certificate. If you purchased essential goods due to a luggage delay, all purchase documents must be kept.
If your luggage is stolen
Contact the local police and register the incident in accordance with the applicable procedure. After arriving in your home country, submit a claim notice to ERGO along with a police certificate and expense receipts proving the purchase of the stolen items.
ERGO 24/7 Travel Assistance is here to help you
ERGO travel insurance is the only travel insurance in Estonia that comes with a 24-hour travel assistance in Estonian language.
Contact ERGO Travel Assistance any time you have problems during your trip.
In case of a claim, fill out an application
If you wish to submit an application for the compensation of damages, it is most convenient to do so on our website.
What to do in the event of a loss
If you need medical care or help finding a medical institution, call ERGO Reisiabi at +372-633-3746. Our medical care partner, Inter Assist, will help you find a suitable medical institution and, if necessary, guarantees the payment of costs to the medical institution.
If you pay for the treatment yourself, keep all documents and invoices and submit them to ERGO together with a claim notice after returning to Estonia.
Contact your travel agency, airline or hotel as soon as possible to change or cancel your trip. To get the benefit, submit a claim notice to ERGO along with documents proving the reason for the cancellation and the actual expenses.
Check with the airline first whether replacement tickets are offered or existing tickets can be exchanged for an additional fee. If this option is not offered, new flight tickets must be bought to continue the journey. The most convenient way to do this is through ERGO Travel Assistance. Be sure to ask for proof of the delay or cancellation of the scheduled flight!
You must inform the luggage service at the local airport and request a corresponding certificate. If you purchased essential goods due to a luggage delay, all purchase documents must be kept.
Contact the local police and register the incident in accordance with the applicable procedure. After arriving in your home country, submit a claim notice to ERGO along with a police certificate and expense receipts proving the purchase of the stolen items.
ERGO travel insurance is the only travel insurance in Estonia that comes with a 24-hour travel assistance in Estonian language.
Contact ERGO Travel Assistance any time you have problems during your trip.
If you wish to submit an application for the compensation of damages, it is most convenient to do so on our website.
Good to know / FAQ
Travel disruption must be selected in the insurance contract, i.e. cancellation or interruption cover, because only then will the travel insurance be of help in situations like this.
In the case of travel disruption coverage, reimbursement depends on the reason for your return. For example, interruption of a trip is justified if: someone close to you suddenly falls ill or dies at home; something happens to the home itself and the owner needs to return immediately; the passenger injures himself or herself and it is not possible to continue the journey as originally planned. Simply wanting to return back home, such as due to rain at the destination or because you don’t like the travel companions, is not a sufficient reason for the insurance company to reimburse your costs of returning home.
If you have travel disruption coverage, the insurance helps to reimburse the part of a prepaid service which the customer cannot recover from the service provider. If the accommodation has been paid for in advance, you must first contact the accommodation establishment to cancel your reservation and find out whether they will refund the full amount or part of it.
Yes, it is possible to terminate the insurance contract before the start of the trip and the paid insurance premium will be returned to the client’s bank account.
First, we advise you to contact the travel company, to recover the money. The insurance provider will only reimburse the cost of the flight tickets, either partially or in full, if the airline does not issue a refund or provides only a partial refund.
If the plane departs from Riga (or another airport outside Estonia), you will still need some form of transportation to get to the airport. This means that for the passenger, the trip begins when they leave their home and head to the airport or port.
The amount of travel disruption should be chosen considering your needs and there is no specific recommendable amount for this. To find the most suitable amount of travel disruption for your trip, you should add up all the costs per passenger, made before the trip, such as the flight, museum tickets, accommodation, etc. Costs expected to be incurred during the trip, such as accommodation or tickets paid on- site, do not need to be considered, as they will not apply if the trip is cancelled.
When planning your trip, make sure to allow a reasonable amount of time, to transfer from one flight to another easily. You should follow the recommendations of the specific airline or airport on how much earlier you should be at the airport. You should allow for a reasonable amount of time when travelling with children and grandparents, as the gates of connecting flights in large airports may be very far from each other. Depending on the destination, passport control may take time as well. As a general rule of thumb, you should allow at least two (2) hours between two connecting flights in Europe, and at least three (3) hours outside Europe.
Travel insurance must be purchased before the start of the trip and for the entire trip, i.e. from the time you leave Estonia until the time you return back to Estonia. If it appears, while travelling, that the trip will last longer than initially planned, it is possible to change the end date of the policy. However, the insurance company must be informed of this.
If you contract COVID-19 while travelling, we will reimburse up to EUR 50,000 in medical treatment expenses. In the event of a travel disruption, we will indemnify damage caused by falling ill with COVID-19 in the amount of up to EUR 2,000, but not more than the sum insured for the travel disruption coverage indicated in the policy.
We do not cover the costs caused by self-isolation and quarantine.
Insurance helps if there are additional costs due to a delayed flight. If the flight is delayed, the passenger has the right to claim compensation from the airline, more detailed instructions can be found here.
