If you truly wish to enjoy your trip or focus on useful issues during a business travel, do not forget to take care of protection against various troubles that may occur. Travel insurance will give you a feeling of security and protect you from unexpected expenses in case of unpleasant surprises. BTA will be your support and assistant to make you feel the expected joy and satisfaction during the trip.
Under Gold and VIP programmes, we will also compensate the Customer for losses incurred as a result of a terrorist act in the territory of Europe, including the costs related to cancellation of a scheduled trip and interruption of a trip.
When choosing a Travel Insurance programme, you should take into account the potential risk probability in your destination. Programmes with a broader coverage of risks provide larger sums insured for each of the risks included in the programmes, therefore, going further abroad, we recommend you to choose a programme with a broader risk coverage. To find detailed information about each of the risks included in the policy, read the Terms and Conditions of the BTA Travel Insurance!
|Covers expenses related to medical assistance abroad, in case of an accident or sudden illness during the trip, including emergency medical assistance, expenses for purchase of medications prescribed by doctors, urgent operations and medical procedures, as well as costs for transportation to the hospital (in case of emergency, for the use of services of medical helicopter). If, due to a sudden illness or accident, the Customer is hospitalized and cannot return to the country of domicile at the scheduled time, expenses for new tickets or ticket exchange are covered.|
|According to the sum indicated in the Insurance Agreement, covers expenses for the purchase of painkillers, temporary measures of dental treatment (x-ray, medications, temporary tooth fillings or tooth extraction).|
|Covers expenses for transportation of the remains of the deceased to the country of domicile.|
|Covers expenses for transportation prescribed by a doctor from the hospital abroad to a hospital in the country of domicile.|
|Expenses of a person accompanying the injured person|
|In case of necessity, covers also expenses for medical personnel expenses if returning to the country of domicile, i.e. medical evacuation, cannot take place without a doctor or nurse escort.|
|Loss or theft of passport or ID-card|
|According to the sum indicated in the Insurance Agreement, covers transportation, accommodation costs (hotel, food) incurred due to renewal of passport or ID-card abroad, as well as telephone conversations related to the renewal of the passport or ID-card.|
|Accident resulting in mutilation or death|
|If the accident results in death or mutilations, indemnity will be paid according to the sum indicated in the Insurance Agreement.|
|Cancellation of travel|
|To a certain amount covers expenses for the voucher, tickets, paid hotel, if you cannot travel, for example, due to a sudden serious illness, accident or in another case provided in the terms and conditions of the Insurance.|
|Loss, theft, damage or destruction of luggage|
|If due to the fault of the carrier, the luggage is lost or stolen, indemnity is paid according to the actual value of the luggage; if the luggage is damaged, indemnity covers the costs for the repair or, if the repair is not possible, indemnity is paid according to the actual value of the luggage.|
|Covers purchase of basic necessities and hygiene products, as well as clothing appropriate for local climate; in case of delay of sports equipment, indemnity covers the rent of the sports equipment.|
|Theft of luggage with Customer’s belongings|
|At a certain amount covers expenses for purchase of basic necessities and objects that replace the units of the stolen luggage.|
|At a certain amount covers losses caused by the Customer to a third party's health, life or property, as well as the costs of court proceedings.|
|Loss, theft or damage of sports equipment|
|If due to the fault of the carrier, sports equipment is lost or stolen, indemnity is paid according to the actual value of the sporting equipment; if the sports equipment is damaged, indemnity covers the costs for the repair or, if the repair is not possible, indemnity is paid according to the actual value of the sports inventory.|
|Covers expenses for legal assistance if the Customer inadvertently has not complied with national traditions and accepted norms of behaviour, or has unintentionally violated laws regulations, thus causing losses to a third party.|
|Delay, cancellation of flight, denied boarding|
|Covers expenses for meals, hotel services, transportation services, as well as expenses related to rearranging flights or purchase of a new flight ticket and expenses in connection with the failure to arrive at the destination in the booked hotel, if, due to the delay of the flight, there is not enough time to use the next flight.|
|Missed flight because of a road traffic accident|
|Covers expenses for the purchase of new tickets and hotel expenses, if you cannot manage to arrive timely at the booked and paid hotel.|
|Medical expenses in country of permanent domicile|
|If, after returning to the country of domicile, the treatment needs to be continued, the insurance covers expenses for medical and rehabilitation services, including costs for hospital treatment for up to 14 days, X-ray diagnostics and operations, purchase of medications and bandaging materials, as well as agreed rehabilitation procedures.|
|Interruption of travel|
|If the Customer has to interrupt the travel due to death of a family member or hospitalization of a family member due to heart attack or stroke, the insurance covers expenses for the purchase of the flight or train ticket, as well as losses arising from booked but unused hotel services.|
|Expenses for arrival of a relative in exceptional cases|
|If the Customer is hospitalized for a long time and cannot be transported to the country of domicile due to an injury resulting from an occurrence abroad, the insurance covers transport costs of one round trip for one family member to come to the hospitalized Customer.|
|Theft of sports equipment while at Customer’s disposal|
|Covers expenses according to the actual value of the sports equipment.|
|Breakage, damage of sports equipment in case of an accident|
|Covers losses according to the sum insured indicated in the policy.|
For additional security we offer protection against the following additional risks (for an additional cost,we can include any additional risk in any Travel Insurance programme in order to provide additional protection or to increase the sum insured for a specific risk, which is already included in the programme):
|Sports, extreme sports, hobby+, scuba diving|
|It should be noted that the policy does not automatically include physical activities and sports associated with increased risks, such as skiing, snowboarding, hockey, football, scuba diving, etc., as well as sports or hobbies if it is intended to participate in a competition. If you plan to do sports or engage in high-risk physical activity during the travel, you must choose appropriate additional protection to validate the policy.|
|If an accident results in a Customer's injury, a certain amount of the relevant risk sum insured is indemnified depending on the severity of the injury in case of death, 100% indemnity of the risk sum insured is paid.|
|Daily hospital allowance|
|If after skiing or snowboarding the Customer is hospitalised for a period longer than 24 hours, the insurance indemnifies a certain sum for each day of hospitalisation.|
|Insurance of closed ski resorts|
|If the ski resorts are closed because of thaw, snow avalanches or storms, the insurance indemnifies a certain sum for each day when skiing or snowboarding is not possible due to the closed resorts.|
|Home insurance during the travel|
|If, during Customer's absence, his/ her house or movable property located in the house is damaged by the fire, liquid or steam leakage, natural disasters or unlawful activities by third parties, the insurance indemnifies a certain sum for repair works and expenses for the damaged or destroyed movable property.|
|Cancellation of the travel in case of job loss|
|If, due to a sudden job loss, the Customer decides to cancel the trip that has already been fully paid because of a sudden job loss, losses for the missed trip will be indemnified.|
|Loss, theft or damage of luggage (additional sums insured: EUR 50 or EUR 100)|
|The sum insured for coverage of this specific risk can be increased at an extra charge.|
|The risks included in the insurance policy (medical expenses, repatriation, medical evacuation, expenses of a person accompanying the injured person, medical expenses in the country of permanent domicile, loss or theft of passport or ID-card, delay or cancellation of flight) remain in force in case of natural disasters, namely, if you incur losses due to flood, storm, fire, volcanic eruption, tsunami, earthquake, the insurace covers expenses provided in the framework of the relevant risks.|
|Civil liability (additional sum insured: EUR 20 000)|
|The sum insured for coverage of this specific risk can be increased at an extra charge.|
Travel Insurance policy is valid in the specified territory outside the Republic of Estonia. You can obtain the Travel Insurance policy indicating the following operating areas:
You can purchase your travel insurance policy depending on the length of your planned trip or travel with a duration ranging from one day to 365 days.
If you have regular business trips, we offer to purchase a Travel insurance policy with the duration of one year, which will ensure protection of all trips during the year. In this case, you can indicate the maximum duration of each journey. Upon your choice, maximum duration of one trip may be 30, 60 or 90 days.
BTA policies can be purchased in the following ways:
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?
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 abroad, we suggest you to:
In case of an accident abroad, take the following measures:
* If you are in Turkey or Egypt, in order to avoid possible problems, ask for medical assistance only in our contractual organisations.
|Travel insurance terms and conditions|
|Terms and conditions No EE16-2
(effective as of 19.07.2016)
|Terms and conditions No EE16-1
(Valid for contracts issued until 18.07.2016) in estonian
|Terms and conditions No 16-EE
(Valid for contracts issued until 06.10.2015) in estonian
|Terms and conditions No 15-EE
(valid for contracts issued until 30.04.2014) in estonian
|General insurance terms and conditions|
|Terms and conditions No GC-2012
(effective as of 01.12.2011)
|Provisions of distant contract|
Provisions of distant contract
(effective as of 12.04.2016)