Travel Insurance for you, your child, your pet – for the whole family

Do you love travelling? Perhaps you already have your next travel destination picked out? Once the tickets have been purchased, it is time to think about travel insurance. Choose exactly the type of insurance that suits your travel plans – add the coverages that matter to you.

24/7 advice and support: call 777 1211

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Woman walking on a small path near an Italian mountain village.

What is covered?

Frequently asked questions

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How we help you

Why choose If travel insurance

Private hospitals for medical assistance

If you fall ill or have an accident during your trip and you need medical assistance, you can contact a private clinic without any worry – we will reimburse unavoidable treatment, aids, and transport costs.
Travelling with a pet? They are covered too!

If your cat or dog gets ill or injured during the trip, veterinary costs are covered by the insurance.
Coverage in case of danger

If, during your trip, a dangerous situation arises in the area where you are staying – e.g., armed conflict, terrorist act, natural disaster, or disease outbreak – we will reimburse evacuation and medical expenses.

Travel with peace of mind

Travel insurance is an important supplement to the blue European Health Insurance Card when travelling in EU/EEA countries. And if you travel outside Europe, you are only covered by your private travel insurance in case of unexpected events. Read more about the European Health Insurance Card and travel insurance.

Have you thought of everything?

Need to change your travel plans?

Do unforeseen events prevent you from starting your trip or force you to return home, or unexpected changes in the travel schedule disrupt your plans? Travel interruption insurance can provide relief in such situations.

We will reimburse the costs of the cancelled trip that the travel service provider does not refund, as well as the cost of unused services. If your travel transport is delayed by at least 4 hours, we will reimburse reasonable additional costs for transport, accommodation, food and drink, and essential items up to €100. Even if you must unexpectedly interrupt your trip and return home, we will cover reasonable additional costs for transport and accommodation, as well as the costs of unused services.

Important to know: travel interruption protection is valid even before the start of the insurance period, taking effect 3 days after the conclusion of the insurance. Therefore, it is worth purchasing travel insurance with travel interruption protection immediately after buying your tickets, but no later than 3 days before the start of your trip, so that the protection is effective at the start of the trip.

Ready for an active holiday?

Medical coverage is essential on a trip, but you should also carefully think about everything you plan to do while travelling – and about the types of unforeseen events these activities might involve. For example, if you plan to go hiking, surfing, diving, or on a ski trip to the mountains, these activities may involve a higher risk of injury.

Check which holiday activities require high-risk activity coverage, and if you have included those in your travel plans, add this coverage to your insurance so you can enjoy the trip with greater peace of mind.

Taking your pet along on the trip?

If you plan to take your dog or cat on the trip, don’t forget to add veterinary coverage to your travel insurance. Namely, if your pet becomes ill or has an accident while travelling and you need to visit a veterinarian, we will help cover the treatment costs for your pet. This way, your and your four-legged friend’s trip will be more carefree.

What if your luggage is delayed or lost?

You arrive at your destination, but your luggage is still missing after four hours or more. But you have planned a hike for the next day or another activity for which you need the gear you brought; or you are attending a conference and need the suit that is in your luggage. The situation is unpleasant and you will probably need to purchase the necessary items on site.

If your suitcase is damaged during transport, you need a new suitcase. Again, an unforeseen extra expense.

Luggage insurance can help cover these necessary additional costs in such cases.

Man travelling with a mobile in his hand

What types of coverages does travel insurance provide?

Insurance coverages	Included in insurance	Sum insured
If you are protected by health insurance at home, then while travelling, it is medical insurance that covers the necessary treatment, aids, and transport costs related to illness or an accident. Medical insurance is a mandatory part of travel insurance. NB! If a dangerous situation arises in the area where you are during your trip — for example, an armed conflict, a terrorist attack, a natural disaster, or a disease outbreak — we only reimburse medical expenses related to such insured events that occur within 14 days from the start of the dangerous situation. Dental care We reimburse the costs of treating unexpected toothache (opening an inflammation site, cleaning a root canal, temporary filling, tooth extraction), emergency care (e.g. due to a fall), including medication, with a compensation limit of up to €500. Expectant mother We reimburse the necessary medical expenses due to pregnancy complications during the first 28 weeks of pregnancy. Travel companion’s stay abroad We reimburse the costs of one travel companion and, if necessary, minor children staying abroad and returning to Estonia if the insured person needs medical care abroad due to an insured event. NB! To receive compensation, you must submit a medical certificate with a diagnosis and all cost-related documents (consultation fees, prescription medicines, treatment and transport invoices) to If.	Included	Up to €650,000
Luggage insurance is a great help in case your luggage is delayed, stolen, or lost during transport while travelling. Luggage refers to the items you take with you on a trip – e.g., clothes, shoes, toiletries, photo and video cameras, mobile phone, laptop, etc. Cabin luggage is also regarded as luggage. What does luggage insurance cover? We reimburse the costs in case of theft or robbery of luggage and travel documents abroad, as well as for luggage delay (more than 4 hours), loss, and damage caused by the transport company. What are indemnification amounts? If luggage is delayed for more than 4 hours, you can purchase essential items for up to 50% of the insured luggage amount. Reimbursement is based on purchase receipts and requires a certificate from the transport company. The compensation limit for a single item is up to 50% of the luggage insurance amount. Replacement costs for travel documents are reimbursed up to €200.	Optional	Up to €5000
With travel interruption insurance, you protect yourself from additional expenses caused by deviations from the schedule of a trip that has already started. You are also reimbursed for costs already incurred if you have to interrupt or cancel your trip due to a sudden illness or another emergency. What does travel interruption insurance cover? Travel interruption insurance covers the cost of unused services that are not refunded by the service provider if your trip is interrupted or cancelled. We also reimburse reasonable additional transport and accommodation costs necessary to continue the trip if the trip is delayed by up to 24 hours due to the transport company (excluding flight cancellations), and up to €100 for food, drinks, and essential items if transport is delayed abroad by at least 4 hours. Please also see the situations covered by travel interruption insurance. When should you purchase travel interruption insurance? Travel interruption coverage is valid even before the insurance period begins, taking effect 3 days after the travel interruption insurance policy is issued. Therefore, it is important to purchase the insurance immediately after booking the trip. Example: the policy is issued on May 1st. Travel interruption coverage is valid from 00:00 on May 4th.	Optional	Up to €5000
	Optional	€25,000
	Optional	€10,000
	Optional	€10,000
If you play sports or are active in other ways while travelling, you should choose coverage for high-risk activities, so that medical assistance would also be covered if something happens and you are injured while playing sports. Review the list of high-risk activities – check whether the activity you plan to engage in is considered a low-risk or high-risk activity or an activity subject to special agreement,, and add the coverage to your insurance accordingly.	Optional	Selected medical coverage amount
If you engage in manual labour during your trip (e.g., work at a construction, field or do cleaning jobs, even if it is just to help a friend), you should choose additional coverage for manual labour, so that any accidents that may happen while working would be covered by medical insurance. This cover cannot be used for high-risk work or positions. Please make sure to study the insurance covers, terms and exclusions.	Optional	Selected medical coverage amount
When renting a car, the rental agreement includes a deductible that should be covered by you in case of an accident. If covers the deductible by up to €2000 in case of an accident (theft, robbery, destruction of or damage to the car). The cover applies to cars and vans in the same region as your travel insurance agreement. The cover does not apply to the territory of Estonia or to vehicles rented in Estonia.	Optional	€2000
Veterinary insurance is helpful if you are travelling with your pet and they become ill or get injured during the trip. What does veterinary insurance cover? We reimburse the necessary expenses for helping your pet, such as: • veterinary care (including procedures, surgeries, aids, medication, etc.) provided by a licensed veterinary clinic or veterinarian; • transport to the nearest clinic in your destination country; • funeral costs if the pet passes away.	Optional	€2000
	Optional	€200

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Terms and conditions

Each insurance contract includes specific insurance terms that we rely on when indemnifying damages when an insurance event occurs. Please always review the insurance terms and conditions for coverage, exclusions, and insured events.

Applicable terms and conditions

Travel insurance conditions TT-20251 (ET, from 03.07.2025)
Travel insurance conditions that are applicable in Estonia for foreign citizens TT-20202
Travel insurance information document 2025/01 (ET)

Previous versions

Recommendations for planning a trip

Travelling with children

A family trip is a wonderful opportunity to explore new lands, cultures, lifestyles, and tastes together with children. Through such direct experiences, children’s view of the world broadens and their empathy develops. Time spent together away from everyday routine helps create wonderful memories for life and strengthens your relationships.

To ensure a smooth trip with children, plan it wisely: avoid an overly tight schedule and leave time for rest, as experiences can be quite tiring. Pack your child’s favourite toy to make them feel secure, and bring games to keep them occupied during the trip. If necessary, take care of the required vaccinations, and take along a travel pharmacy with essentials. Take out travel insurance also for the child.
Travelling by car

A road trip can be an exciting adventure, offering the freedom to explore life across the border. Before setting off, however, it is worth preparing thoroughly to ensure that the trip is as smooth and enjoyable as possible.

Before departure, prepare the car – make sure it is in good technical condition and ready for such a challenge. If the trip takes you outside the European Economic Area, take along the Green Card. Pack smartly so that you have everything you need but also something for entertainment during the long drive. Even when travelling by car, take your travel insurance with you – it can be very helpful in case of unexpected events.

Plan your route and make stops to stretch yourself every few hours to avoid fatigue and monotony. When driving along smaller roads, you can easily discover exciting places and admire extraordinary views during breaks.

Read more
The dream trip

You expect a holiday trip to give you only the best experiences and memories to recall fondly even years later, right? Then it is worth investing time into planning your trip before booking.

Choose the destination and companions, set a budget, and plan what you want to do during the trip. Pack as little as possible, but still everything you need – including travel insurance. When taking out travel insurance, consider all your plans so you are protected in case of unexpected events.

Read more

Frequently asked questions

Which travel insurance region should you choose?

If you travel through several countries to arrive at your destination, choose the insurance area so that all the countries are covered. For example, if you fly to Germany with a stopover in Turkey, the area to be chosen is Extended Europe. This will also cover any unexpected events that may occur in Turkey, including at the airport.

Important! Travel insurance is not available for trips to Russia, Belarus, Ukraine and Israel.

Travel insurance regions

Nordic and Baltic countries
Finland, Sweden, Norway, Denmark, Iceland; Latvia, Lithuania

EuropeAlbania, Andorra, Austria, Belgium, Bosnia and Herzegovina, Bulgaria, Gibraltar, Faroe Islands, Spain, Netherlands, Croatia, Ireland, Italy, Canary Islands, Kosovo, Greece, Cyprus, Liechtenstein, Luxembourg, Macedonia, Malta, Moldova, Monaco, Poland, Portugal, France, Romania, Germany, San Marino, Serbia and Montenegro, Slovakia, Slovenia, United Kingdom, Switzerland, Czech Republic, Hungary, Vatican
You should choose this region (Europe) also when travelling to a European country through the Nordic or Baltic countries.

Extended Europe
Additionally to European countries: Armenia, Azerbaijan, Georgia, Kazakhstan, Turkey, Tunisia, Morocco, Egypt and United Arab Emirates

World without USA and Canada
All the countries in the world (including Baltic, Nordic and European countries), except USA and Canada
For example, choose this area if you travel to Australia or Asia (e.g., Thailand).

USA, Canada and world
Choose this area if your travel to USA and Canada. This selection also covers all previously described regions, and the coverage also applies to stopovers in the Baltic States, Nordic countries, and European countries.

Which travel insurance to choose?

The best travel insurance gives you protection in various unexpected situations, so when taking out insurance, take into account both the specifics of your destination country and all the activities you plan during your trip.

Medical insurance – or health insurance for travel – is always included by default in If’s travel insurance and allows you to get faster and more effective medical help if you fall ill or are injured. You can add various coverages to medical insurance that are important to you – for example, travel interruption insurance, luggage insurance, and for active holidays, high-risk activity coverage; for a ski trip, in addition to the latter, also liability insurance. If you take along your dog or cat aged over 2 months and under 8 years, and your pet insurance does not cover veterinary costs outside Estonia, you should add veterinary insurance. This way, veterinary costs will be reimbursed if your pet falls ill or is injured while travelling.

What is one-year recurrent travel insurance?

If you travel more than once in one year, you can get a one-year recurrent travel insurance. It is less expensive than buying a short-term travel insurance before each trip. The number of trips in one year is not limited for recurrent travel insurance, but the duration of one trip that you can select is 30, 45, 60 or 90 days. Thus, the cover for one trip is limited by the number of days of the trip provided on the policy. If a trip is longer than provided on the policy, the additional days are not covered by the insurance.
For concluding a one-year recurrent travel insurance agreement, please contact us at info@if.ee or call our insurance line 777 1211.

How to get the health insurance for travelling abroad?

Health insurance for travelling abroad – i.e., medical insurance – is a mandatory part of If’s travel insurance, already included by default in our travel insurance policy. It covers unavoidable treatment, aids, and transport costs if you fall ill or are injured in an accident abroad. Medical insurance also allows you to seek help from a private clinic.

Why do I need luggage insurance?

Luggage insurance helps you cope more easily with the already unpleasant situation where your luggage is delayed, damaged during transport, or lost entirely. If this happens, you will likely face unexpected, unplanned expenses, as you may need to replace the lost items with new ones. In such cases, luggage insurance helps cover the costs.

Remember that luggage is more than just a suitcase and its contents – it also includes other personal belongings you carry with you. For example, snorkelling gear, skis, a snowboard, hiking boots, and other items brought for an active holiday are also regarded as luggage. It is also worth knowing that if your handbag containing your phone or camera is stolen, or if these items are damaged due to a transport service provider, such damage is also covered by luggage insurance.

What protection does travel insurance provide for pregnant women?

The selected travel insurance protections apply equally to everyone. For medical insurance, it is important to know that we reimburse unavoidable medical costs incurred due to unexpected pregnancy complications (including premature birth) during the first 28 weeks of pregnancy. If the pregnancy has lasted more than 28 weeks, such costs are not reimbursed.

Likewise, the costs of cancelled trips and services not refunded by service providers are reimbursed if, due to pregnancy complications during the first 28 weeks, a pregnant woman is advised not to travel.

Is it possible to get group discounts when travelling with a larger party?

For travel insurance, we offer group discounts to groups starting from ten insured persons. The discount is applied automatically when concluding insurance online if there are at least 10 people on the policy.

I am travelling and I will stay longer than planned. I want to extend my travel insurance. Is it possible?

Please call us at +372 777 1211 to assess the possibility for extending the insurance cover. It is not possible to extend the insurance cover in self service.

The sooner you contact us the better because waiting time for extension of insurance cover is at least 7 days, and damages during that period shall not be covered. If you have communicated your wish early on, the insurance can continue without interruption.

How to prepare for a trip?

1. Before starting a trip

Find out the visa regulations of the destination and what kind of vaccinations you should get.
Exchange and have with you some cash in the currency of your destination, even if your bank card can be used there.
Save important phone numbers of the destination country (e.g. rescue service) into your mobile phone.
Read the recommendations of the Ministry of Foreign Affairs for the country of destination.

2. Order a European Health Insurance Card

Upon request, Estonian Health Insurance Fund issues European Health Insurance Cards to insured persons that give a right to emergency medical assistance in the countries of the European Union* and the European Economic Area**, but pursuant to the law of the specific country.

People who have European Health Insurance Cards usually have to cover the following expenses themselves:

visit fee;
purchase of medication;
transport costs;
bills paid to doctors in cash;
daily rate for hospitalization;
transportation of the victims to their home country.

European Health Insurance Cards can be ordered from the State Portal www.eesti.ee.

Travel insurance by If covers all the expenses listed above plus you can select covers for travel interruption and luggage. In case of travel interruptions, please remember to request relevant certificates!

* Member States of the European Union: Austria, Belgium, Bulgaria, Estonia, Spain, Netherlands, Croatia, Ireland, Italy, Greece, Cyprus, Lithuania, Luxembourg, Latvia, Malta, Poland, Portugal, France, Sweden, Romania, Germany, Slovakia, Slovenia, Finland, Denmark, Czech Republic, Hungary.
** Countries of the European Economic Area: Countries of the European Union + Iceland, Liechtenstein, Norway, United Kingdom.

Travel insurance valid for foreigners in Estonia – what is it for?

This travel insurance is for those who come to Estonia in order to stay here temporarily, e.g., people who come here to visit their friends or relatives, or who are on a leisure or business trip.

Travel insurance covers:

costs of outpatient treatment;
costs of inpatient treatment for up to 60 treatment days;
costs of medications prescribed by the doctor;
dental costs up to 200 euros;
transportation costs associated with medical assistance within Estonia;
transportation to the country of residence.

For concluding an insurance agreement, please contact us at info@if.ee or call our insurance line 777 1211.

Can I get additional coverages on travel insurance through the If Plus bonus programme?

Depending on your level in the If Plus Bonus Programme, you are entitled to additional travel insurance coverages.

Rental car deductible insurance while travelling (If+ level 3)

When renting a vehicle, the rental contract specifies a deductible that remains your responsibility in case of an accident and can amount to thousands of euros. If will compensate damage up to €2000. The bonus coverage is valid in the same region as your travel insurance contract. The cover does not apply to the territory of Estonia or to vehicles rented in Estonia.

Read more about the benefits of the If Plus Bonus Programme on the If Plus website.

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