Travel Insurance

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.

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Why choose BTA Travel insurance?

Our advantages:

  • We offer the widest range of travel insurance programs, including specially designed programs for students who go to study abroad, truckers and manual workers who go to work abroad;
  • BTA has its own travel assistance service. By calling the BTA assistance service, the client can receive the most competent and detailed advice related to the travel insurance at any time of the day.

What are the risks covered by the insurance?

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!

Programmes: Necessary Optimal Gold VIP

Basic risks:

Medical expenses
  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.        
Urgent dentistry
  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.        
Medical evacuation
  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.         
Luggage delay  
  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.        
Civil liability  
  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.         
Legal assistance    
  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 ski 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.  
Injury insurance
  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.
Natural disasters
  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.

What are the territory of the policy?

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:

  • Europe (all European countries, as well as Turkey, Tunisia, Egypt, Israel, Crete, Cyprus, Canary Islands),
  • Baltic Sea territory (the policy is in effect in Latvia, Lithuania, Poland, Denmark, Norway, Finland and Sweden),
  • Russian Federation or Belarus,
  • The whole world.

What is the duration of the policy?

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.

Ways to purchase a policy

BTA policies can be purchased in the following ways:

  • by filling out an application form on BTA website; BTA specialist will contact you to find out detailed information, prepare the insurance offer and send it to the e-mail address indicated by you;
  • by calling BTA Customer Support Service at (+372) 5 68 68 668. It is possible to pay for the insurance policy during the phone call;
  • by contacting BTA Customer Support Service by e-mail: or skype: bta_kindlustus
  • by visiting BTA Customer Service Centre in person;
  • by contacting BTA agents;
  • by contacting BTA insurance brokers;
  • by turning to our partner tourism agencies.


EHIC for additional security during the travel

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.

Useful information for travellers

Before going abroad, we suggest you to:

  1. Get to know if the particular country does not require an entry visa;
  2. Make sure that your passport is valid for the entire journey. Some countries have established that the passport must be valid for at least another three or even six months after the closing date of the planned trip, so we suggest you to contact with the embassy of the relevant country in order to clarify the requirements relating to the travel documents;
  3. Get acquainted with the information available on the website of the Ministry of Foreign Affairs of the Republic of Estonia (, including alerts on countries facing risks of war or other types of hazards;
  4. When traveling to Europe Union countries to take European Health Insurance Card available from the Estonian Health Insurance Fund (info number 16363, dialing from abroad +372 669 6630).
  5. When planning a trip to exotic countries or countries where there is a risk of infection with yellow fever, cholera, hepatitis A and B or other dangerous diseases, be sure to consult with physicians in a timely manner to know if it is not necessary to be vaccinated. Information on vaccination is available on the website of the Estonian Health Insurance Fund;
  6. Find out what can and cannot be carried in your baggage when traveling within the European Union and outside the European Union. Information can be found on the website of the Estonian Tax and Customs Board;
  7. If you plan to travel by plane, find out in advance what are your rights to request indemnity and assistance from the airline if the flight is cancelled or delayed, if the boarding it is denied or if the baggage is damaged or lost. You will find information on the website of the Service for the Protection of Consumer Rights.

What to do in case of an accident?

In case of an accident abroad, take the following measures:

  1. Call the BTA’s 24/7 Travel Support Service:
    • (+371) 26 12 12 12 or the BTA’s Customer Support Service (+372) 5 68 68 668.
    • We will provide operative assistance and consultation on what to do in the specific situation. On weekdays from 18:00- 07:59 and on weekends, travel accident related calls are serviced by Latvian customer support. Calls are answered either in English or in Russian.
  2. In case of a sudden disease or accident in one of the following countries, you can call our partners in the specific country:
    • Turkey*: (+90 242) 310 44 44
    • Egypt*: (+20 122) 104 27 43
    • Greece: (+30) 28970 41 777
    • Bulgaria: (+359) 56918004
    • Thailand: (+66) 600035168
    • Bali and other Asian countries: (+7) 495 989 11 20
    • Ukraine, Moldova: (+380) 443745026
    • Belarus: (+375) 29 103 64 24
    • Russian Federation: (+7) 495 989 11 20
    • Spain: (+34) 931731427

    * If you are in Turkey or Egypt, in order to avoid possible problems, ask for medical assistance only in our contractual organisations.

  3. By calling the indicated telephone numbers, our employees or partners will help to arrange the formalities associated with medical institutions, will provide a written guarantee of payment of medical services, so you do not have to spend your own personal financial resources; they will also help to solve a variety of other issues.
  4. If you have had to pay for medical services or any other case of insurance included in the Travel Insurance Policy from your own personal funds, be sure to keep documents certifying such payments (checks, registered receipts). Besides, be sure to keeps other documents justifying the indemnity claim: medical statements, certificate issued by airline about luggage delay, damage or loss, documents issued by law enforcement bodies, etc. A detailed list of documents to be submitted can be found in the Travel Insurance Terms and Conditions [link to conditions] or your policy.
  5. Upon your return to Estonia, please contact the BTA’s Customer Support Service as soon as possible by calling (+372) 5 68 68 668, in order to register the case of insurance.

Insurance service information documents

  PDF E-doc
Insurance service information document


Insurance terms and conditions

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 2019.0
(effective as of 01.07.2019)
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)