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.  

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.