Travel Interruption Insurance

We cannot protect ourselves against unexpected events while travelling or before a trip. However, travel interruption insurance can help you if your trip is cancelled or your travel plans change due to circumstances beyond your control. Learn more and get travel insurance in advance, already when booking your trip.

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When is it useful? Get travel insurance

Travel plans are usually made in advance: flight tickets are purchased, accommodation and excursions or other activities are paid for before the trip starts. But unexpected circumstances may ruin your travel plans. With travel insurance including travel interruption coverage, part of the already incurred costs will be reimbursed if you have to cancel the trip, interrupt it, or if your travel plans change due to transportation delays.

Read more about the events and expenses that are reimbursed.

When can travel interruption insurance help?

Trip is cancelled

You cannot go on the trip or you have to return within 24 hours after the trip has started, because:

  • You or your only travel companion suddenly fell ill or got injured
  • Your close relative developed a life-threatening condition, was seriously injured, or died
  • Your cat or dog became seriously ill or was injured and requires treatment, and your presence is essential
  • Your property in Estonia suddenly and unexpectedly suffered damage, and your presence is essential

Which expenses are reimbursed?

We reimburse the cost of unused services related to the cancelled trip that the service provider does not refund, such as:

  • transportation costs
  • accommodation
  • concert tickets, etc.

Please note:  travel interruption coverage of travel insurance becomes valid 3 days after the insurance is concluded. Therefore, it is worth getting insurance already when booking and purchasing tickets, so that travel interruption coverage is valid before the trip.
For example, if the policy is issued on May 1, trip cancellation coverage is valid from May 4 at midnight (00:00).

Transport is delayed

You have unforeseen additional expenses to be able to continue your trip because the travel schedule has been interrupted for the following reasons:

  • The service provider has overbooked flight, ship, train, or other tickets
  • A flight, train, bus, or ship was delayed or cancelled due to a technical failure or weather conditions
  • Transport was delayed up to 24 hours because the schedule was changed after you bought the tickets
  • Departure was delayed due to a lockout or a strike at the public transport company
  • On the way to the airport or port, your vehicle suffered a technical failure, had a flat tire, or was involved in a traffic accident
  • The plane made an emergency landing
  • Luggage was delayed abroad due to the fault of the carrier

Which expenses are reimbursed?

We reimburse reasonable additional transport and accommodation expenses required to continue the trip, as well as the cost of unused services that the service provider does not refund. In addition, we reimburse up to €100 for food, drinks, and essential items if transport was delayed abroad for at least 4 hours.

Important: when planning the trip, you should allow enough time for transfers, at least 2 hours between flights. If the travel schedule is poorly planned, insurance may not help.

Trip is interrupted

You need to interrupt the trip and return home because:

  • Your travel companion developed a life-threatening condition, was seriously injured, or died during the trip
  • During your trip, your close relative at home developed a life-threatening condition, was seriously injured, or died
  • Your pet became seriously ill or was seriously injured at home during your trip, and your presence is essential
  • Your pet travelling with you became seriously ill or was seriously injured
  • During the trip, in the area where you were staying, a danger requiring evacuation developed – for example, an armed conflict broke out, a terrorist act occurred, a natural disaster happened, or an epidemic spread
  • During the trip, your property at home suddenly and unexpectedly suffered damage, and your presence is essential
  • Your travel documents were stolen or destroyed during the trip

Which expenses are reimbursed?

  • If you have to interrupt the trip and return home due to the reasons above, we will reimburse any reasonable additional transport and accommodation expenses incurred abroad in connection with the unexpected return to Estonia, as well as the cost of unused services that the service provider does not refund.
  • In the event of evacuation, we reimburse the cost of unused services that the service provider does not refund and the reasonable additional transport and accommodation expenses incurred abroad in connection with returning to Estonia within 14 days from the occurrence of the event that caused the evacuation.
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Examples

In which cases does travel interruption insurance reimburse costs?

The terms and conditions of travel insurance describe which events and which expenses are reimbursed if you have travel interruption coverage. They also include exclusions that are not covered by travel interruption insurance. Below you will also find examples to better understand when reimbursement is granted and when it is not.

  • Examples of travel interruption events where expenses are reimbursed

    You miss a flight because:

    • The airline changes the schedule and the flight is delayed up to 24h
    • The flight is overbooked and you cannot board
    • Luggage is delayed due to the carrier’s fault and you miss a connecting flight
    • On the way to the airport, you were involved in a traffic accident or your vehicle had a flat tire


    You cannot go on the trip because:

    • You yourself or your only travel companion with whom you planned to travel became ill or got seriously injured and you decide not to go on the trip
    • Your home was severely damaged in a storm just before the trip and your presence is essential


    You have to unexpectedly interrupt the trip and return home because:

    • Your family member at home has fallen seriously ill and is in critical condition
    • Your home is broken into and your presence is essential
    • An emergency (e.g., natural disaster, armed conflict) has arisen at your destination, requiring evacuation
      Important: in the case of evacuation, we reimburse the cost of unused services that the service provider does not refund, as well as additional transport and accommodation expenses incurred within 14 days from the occurrence of the event that caused the evacuation.

  • Examples of travel interruption events where expenses are not reimbursed

    You miss a flight because:

    • You overslept or did not pay attention to the time
    • You planned the schedule incorrectly – the schedule was too tight, and you did not make it from one flight to another
    • The airline cancels the flight


    You cannot go on the trip because:

    • You become unexpectedly ill one day before the trip, but your insurance was purchased 2 days before the trip started
      Remember that travel interruption coverage takes effect 3 days after concluding the insurance. Conclude the insurance at least 3 days before the trip begins so that coverage is valid at the start of the trip.


    Trip is cancelled because:

    • You discovered just before the trip that your travel document had expired and therefore you could not go
    • The Ministry of Foreign Affairs advises against travelling at that time due to a terrorist threat, natural disaster, or pandemic in the destination country, and you follow the recommendation Recommendations of the Ministry of Foreign Affairs should always be followed, and you should not knowingly put yourself at risk.

Important to know: travel interruption coverage takes effect 3 days after concluding the insurance, and for it to be valid at the start of the trip, the insurance must be taken out at least 3 days before the trip begins. It is even better if you conclude the insurance as soon as the tickets are purchased and bookings are made.

When to conclude travel insurance? And travel interruption insurance?

Once you have booked a trip or bought the first tickets, it is the right time to also conclude travel insurance – with travel interruption coverage. Why so? You may plan, but life follows its own course, and there can always be surprises that may ruin your plans.

Travel interruption coverage that is part of travel insurance is valid even before the trip begins, taking effect 3 days after concluding the insurance contract. For example, if the policy is issued on May 1, trip cancellation coverage is valid from May 4 at midnight (00:00). If a travel interruption event occurs even before the trip starts, some of the expenses already made will be reimbursed thanks to travel interruption coverage.  

How to choose the sum insured for travel interruption insurance?

To choose the insurance amount, add up all already incurred transport and accommodation costs, as well as amounts spent on events and services (e.g., car rental, concert tickets). You should also take into account that if you have to return home unexpectedly earlier, ticket prices for transport may differ significantly from the original ones.

The maximum insurance amount for travel interruption at If is €5000. You can choose a suitable insurance sum in the travel insurance calculator when concluding the insurance.  

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