Travel Insurance

When purchasing a travel insurance policy, you can specify the following validity areas:

Europe, in addition Turkey, Tunisia, Egypt, Israel, Crete, Cyprus, the Canary Islands;
the Baltic Sea Region: Latvia, Lithuania, Poland, Denmark, Norway, Finland and Sweden;
the Russian Federation or Belarus;
the whole world.
Travel insurance protection does not apply to the territory of Estonia, unless otherwise stated in the policy.

If you have regular business trips, we offer the opportunity to purchase a Travel Insurance policy with a duration of one year.

If there are a number of employees that need to go on a business trip and the employer does not always know exactly who is going, we offer the opportunity to purchase a policy that does not indicate exact persons and instead insures only a certain number of days to be used as needed.

EHIC, i.e. European Health Insurance Card, is a document common for all European Union and European Economic Area countries (Iceland, Norway, Liechtenstein) and the Swiss Confederation, which entitles citizens of these countries to receive state-funded emergency and necessary health care to the extent ensured for inhabitants of each relevant country. The EHIC can be used in foreign clinics that are members of the National Sickness Fund and that have accepted the usage of the EHIC. Therefore, before seeking medical care abroad, we recommend you to inquire in advance whether the relevant clinic accepts the EHIC.
All residents of the Republic of Estonia may receive the EHIC card for free, therefore, when traveling abroad, be sure to obtain the EHIC card. For more information about the possibilities of receiving the EHIC card, visit the website of the Health Insurance Fund.

Why do you need BTA Travel insurance if you have the EHIC card?

The EHIC card does not cover the costs and fees for client’s transportation, repatriation, which can amount to very significant expenses.
Even in the case when the client enters a foreign clinic that accepts the EHIC, the customer will be charged to pay the fees mandatory in the relevant country. Although in Estonia patient fees are relatively low, in Europe they can be even more than 10 times higher.
Using the EHIC, the client should refer to a state clinic, not private, as the card is accepted only by related to the state medicine clinics.
The EHIC card does not provide protection against other risks which may occur during traveling or foreign trips.
An example showing the necessity for the EHIC and Travel Insurance:

State of health of a resident of Estonia suddenly deteriorated while visiting a country in the European Union. As a result, the woman was placed in a clinic. When her health condition slightly improved and it was possible to evacuate her to her country of origin, the bill for medical services amounted to EUR 24 000.
Given that the Estonian resident had the EHIC, she did not have to pay the entire amount from her own personal funds. The EHIC covered 75% (EUR 18 000) of the medical expenses, the remaining 25% (6 000 EUR) would have to be covered by the woman herself, if she had not had the BTA travel insurance policy. Medical evacuation costs that were not covered by the EHIC amounted to EUR 4 300.
If the woman, additionally to the security provided by the EHIC, had not purchased the BTA Travel insurance, she would have to pay EUR 10 300 for the medical services received in the foreign clinic and medical evacuation to Estonia from her own personal funds. In this case, this amount was covered by BTA.

Before going on a trip or business trip, we recommend that you:

examine whether an entry visa is required to enter the country concerned

make sure your passport is valid throughout the trip. In some countries, the law stipulates that your passport must be valid for at least three or even six months after the planned end of the trip. For this reason, we recommend contacting the embassy of the respective country to clarify the requirements for travel documents
get acquainted with the information on the website of the Ministry of Foreign Affairs of the Republic of Estonia (www.vm.ee) - warnings about countries where hostilities or other threats may occur

when traveling to the countries of the European Union, bring the European Health Insurance Card, which you can get from the Health Insurance Fund (information phone number: 16363, when calling from abroad: +372 6 69 66 30)
consult healthcare professionals on the need for vaccinations when going to exotic countries or countries where it is possible to become infected with yellow fever, cholera, hepatitis A, B or other dangerous diseases. You can find information about vaccinations on the website of the Estonian Health Insurance Fund

examine what is and is not allowed to be carried in luggage when traveling inside and outside the European Union. You can find the relevant information on the website of the Tax and Customs Board

when traveling by air, ascertain in advance your rights to compensation and assistance from the airline in the event of cancellation or delay of the flight, refusal of landing, damage to or loss of luggage. You can find the relevant information on the website of the Consumer Protection Board

Insurance service information document

Valid Travel Insurance Terms and Conditions
Terms and Conditions No EE16-2
effective as of 19.07.2016

Valid general Insurance Terms and Conditions
Terms and Conditions No. GC 2019.0
effective as of 01.07.2019

Terms and Conditions No. GC-2012
effective as of 01.12.2011 till 30.06.2019

Travel insurance Terms and Conditions, that are not valid anymore
Terms and Conditions No EE16-1
effective as of 07.10.2015 till 18.07.2016 (in estonian)

Terms and Conditions No 16-EE
effective as of 1.05.2014 till 06.10.2015 (in estonian)

Terms and Conditions No 15-EE
effective as of 05.06.2012 till 30.04.2014 (in estonian)

General Insurance Terms and Conditions that are not valid anymore
Terms and Conditions No. GC-2012
effective as of 01.12.2011 till 30.06.2019