All travel insurance cases which are directly or indirectly linked to the coronavirus pandemic are conditionally excluded and the costs will not be compensated. This includes both medical assistance and travel interruption incidents.
Multi-trip travel insurance
- If you travel several times a year, multi-trip travel insurance would be the best value option for you.
- You don’t have to remember to buy insurance each time, which means that you can travel without a care.
- If you travel to a number of different regions, select a more extensive type of cover, taking the farthest destination into account.
- The number of trips per year is unlimited.
- You can choose between three packages, meaning that the maximum length of one trip may be 30, 60 or 90 days.
- You may take out recurring travel insurance for 30 days quickly and conveniently using ERGO’s self-service
ERGO Travel Assistance
- Save the travel assistance number in your contacts before going on a trip.
- We help to change or buy new flight tickets.
- We help to find accommodation.
- We offer advice if your baggage gets lost.
- We organise medical assistance and payment of the treatment costs in a foreign country.
- Obtain as much information about the country you plan to visit as possible.
- Check the Web page of the Ministry of Foreign Affairs to see whether the destination is safe to travel to.
- Find out the applicable requirements to entry in the country (visa, written consents if travelling with children, minimum daily allowance, etc.).
- Make sure that all your documents are valid.
- Register your trip on the Web page of the Ministry of Foreign Affairs.
- Carry your ID card, passport if travelling beyond the European Union, and visa papers if necessary.
- Prepare copies of your documents just in case, print out your reservations and plane tickets.
- Do not forget your driver’s licence if you plan to rent a car.
- Check the airport’s homepage to see how many hours before the flight you should arrive there.
- Read the luggage requirements on the airport’s homepage.
- When travelling in the European Union, have the European Health Insurance Card on you. Additional information from the Health Insurance Fund
- If you take medicines, make sure that you have a sufficient and legal amount of them (sometimes you may need a doctor’s note or a special permit).
- Let your friends and family know where you are and how to contact you (hotel name, destination and the like).
- Have some currency of the relevant country on top of euros or US dollars.
- Keep your cash and bank card separately.
Use the app “Reisi targalt” by the Ministry of Foreign Affairs if you need information on the situation in your country of destination and advice on what to do when you are in trouble.
Frequently asked questions
- Is the insurance contract of help if I am already abroad and have to return early?
The insurance contract must definitely include travel interruption or cancellation cover as only then will the travel insurance be of help in such a situation.
- The insurance contract has been concluded, but it turned out that the trip will not be taking place. Will the costs already incurred be reimbursed in the event of the cancellation of the trip? What happens to the money paid for accommodation?
If there is an insured event and the accommodation has been prepaid, first, the accommodation establishment must be contacted to cancel the reservation and it must be determined whether the company will refund the entire amount or a part thereof. If you have travel interruption cover, the insurance helps to reimburse the part of a prepaid service which the customer is unable to recover from the service provider.
- If I know that the trip will be cancelled, can I terminate my insurance contract?
- If the travel company does not refund the money and the customer has taken out an insurance contract, will the insurance undertaking reimburse the tickets?
First, we advise you to contact the travel company, to recover the money. The insurance undertaking will only compensate the cost of flight tickets in part or in full, if the airline does not issue a refund or only provides a partial refund. On the condition that the customer has chosen travel interruption cover in the contract, the insurance was taken out on time, and the matter is an insured event.
- What does it mean that the trip must start from Estonia? My plane departs from Riga.
If the plane departs from Riga (or Helsinki), then some means of transport is used to get to the respective airport. This means that for the passenger, the trip starts as of the moment they leave their home and set off for the airport or port.
- How should I choose the amount of travel interruption cover for my contract? What is the traditional or average amount that is chosen?
The amount of travel interruption should be chosen considering your needs, and there is no specific recommended amount. The amount depends on the extent of expenses made before the trip that need to be covered if the trip is cancelled. When choosing the sum insured, you should add up all the costs per passenger incurred before the trip, such as the flight, museum tickets, accommodation, etc. Those costs, which are to be incurred during the trip, such as payment for the accommodation and tickets to the theatre or museum that will be bought at the destination, should not be considered, since if a trip is cancelled you will not incur these costs.
- I have a connecting flight. What happens if the flight is delayed and I am not able to catch the next flight? How much earlier should I be at the airport for the connecting flight?
When planning for the trip, you should consider well ahead with a reasonable timeframe, so that you can easily get from one flight to another. You should follow the recommendations of the specific airline or airport regarding how much earlier you should be at the airport. As the gates of connecting flights in large airports may be very far from each other, you should also set aside time when travelling with kids or grandparents, who are perhaps unable to walk at a fast pace. Depending on the destination, possible additional passport control may take time as well. According to the rule of thumb, in Europe, one should consider at least 2 hours between two connecting flights, and outside Europe, at least 3 hours.
- I am already travelling. Do I still have the possibility to take out health insurance?
Travel insurance must be taken out before the start of the trip and for the entire period of travel, i.e. from leaving Estonia and until returning. 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, you should still inform the insurer thereof in a timely manner.
- Does ERGO Travel Insurance come with the coronavirus COVID-19 cover?