- Is the insurance contract of help if I am already abroad and have to return early?
It depends on the reason for returning. If someone close to you suddenly becomes seriously ill or dies at home, termination of the trip is completely justified and the insurance undertaking will help you to find new airline tickets, so that you can return home. A good reason is also if something happens to the home itself and the owner must return immediately or if the passenger suffers an injury and continuing the initially planned trip becomes impossible. A wish to return back home, for example, because it is raining at the destination or you don’t like your travel companions, is not a sufficient reason for the insurance to reimburse the costs of returning home.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?
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 customer’s account.
- 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?
If you are
diagnosed with COVID-19 while travelling, we will reimburse medical expenses up
to 50 000 euros. In case of trip interruption, we will compensate damages
up to 2000 euros if you are diagnosed with COVID-19, but not more than the sum
insured for cancellation or interruption indicated in the policy.
- I came into contact with a COVID-19
positive person and cannot travel because I have to stay in self-isolation.
Does ERGO cover travel expenses?
We will not reimburse the cost of
self-isolation and quarantine.