Guide to the best Estonia travel insurance options

Travel insurance can be confusing—but it’s essential. Whether you’re planning a weekend escape or back-to-back adventures, having the right cover saves money, stress, and worse. This guide breaks down Estonia’s best 2025 options based on your travel style: customisable cover, family plans, high medical limits, active-sports protection and more.

Overview of the top travel insurance in Estonia

Estonia Travel Insurance Comparison Table (2025)

Selecting the right travel insurance can be a daunting task. We’ve made it easier by showcasing the top options for various needs:

Best Travel Insurance by Need

LHV –Most Customisable

Start with a base of medical, baggage, and disruption, and build up with options like liability, event cancellation, sports or physical work. 24/7 assistance means you’re never alone—though costs depend on what you add.

Swedbank –Highest Medical Coverage

Offers up to €1 million for medical emergencies, plus baggage delay and accidental death cover. The base rate is fair, but add-ons (like for hazardous activities) increase the total price.

SEB (via PZU) –Best for Families

Annual policies for families (spouse and children up to 21) start at €199. Enjoy multi-trip coverage (90-day max per trip), world-wide service (excludes RU, BY, UA), and round-the-clock assistance via PZU.

Luminor Black –Strong Limits for Cardholders

Includes up to €300 k medical, dental repair, repatriation and €50 k liability, plus some baggage/disruption and €500 rental-car excess cover. Trip cancellation, however, is limited to €1 k with 15% deductible.

ERGO –24/7 Emergency Support

Covers medical, luggage, and disruptions with fast help arranging new flights and hotels as needed. Extras include natural disasters, flight changes, competitive sports, and physical-work cover.

Estravel (Salva) –COVID-19 Focused

Up to €200 k for COVID treatment and €2 k for quarantine lodging/tickets. Cancellation cover kicks in four days after purchase—plan ahead accordingly.

IfF–Broad Coverage & Pets

Generous medical limits, crisis evacuation, pet veterinary cover, and optional rental-car excess. Cancellation generally starts after three days.

IIZI –Best Flexibility via Broker

Pick from multiple insurers, layer on extras for specific needs (sports, events, strikes). The app keeps your docs handy. Most policies require 72 hours between purchase and full activation.

PZU –Fastest Claims Handling

Offers medical, baggage, disruption, plus optional “waive the trip” cancellation (with 30% deductible). Remember: cancellation protection starts 72 hours post-purchase.

Seesam –Adventure Sports Specialist

Single or annual multi-trip plans (90-day limit), with robust cover for risky or competitive activities. Frequently runs online discounts.

LHV travel insurance – best for customisable coverage

Pros:

• Single-trip and annual multi-trip options.
• Core cover: medical, baggage, trip disruption; sports cover available.
• Many add-ons (liability, legal protection, event cancellation, rental car excess).

Cons:

• Price varies widely depending on add-ons.

LHV Travel Insurance allows you to tailor a policy to your trip. Start with medical, baggage and disruption cover, then add options such as liability, event cancellation or rental-car excess. Sports and physical work coverage is available if you need it. Assistance operates 24/7. Pricing depends on the mix of add-ons you choose.

Rating:

• Price: 4/5
• Coverage Options: 5/5
• Flexibility: 5/5

Swedbank travel insurance – Best for high medical coverage

Pros:

• High medical assistance coverage up to €1,000,000.
• Includes accidental death benefits and luggage delay compensation.
• Offers additional coverage for hazardous activities and working abroad.

Cons:

• The base price does not include all additional covers and may incur additional fees and costs.

Swedbank Travel Insurance is ideal for those seeking robust health protection. It offers:

• Medical assistance coverage up to €1,000,000, ensuring you’re well-covered in health emergencies while travelling.
• Accidental death benefits.
• Luggage delay compensation.

This makes it comprehensive for safety-conscious travellers.

Swedbank’s extensive medical coverage is a standout feature. Although the base price is reasonable, adding coverage for hazardous activities can increase overall costs. Despite this, the comprehensive emergency support makes it a valuable investment for peace of mind during travel.

Rating:

• Price: 4/5
• Medical Coverage: 5/5
• Additional Covers: 4/5

SEB travel insurance – best for families

Pros:

• Annual multi-trip cover; unlimited trips, each up to 90 days.
• “Family” package can include a spouse/partner and children up to 21 (named on the policy).
• 24/7 support via PZU.

Cons:

• Limited to trips lasting up to 90 days.
• Worldwide cover excludes Russia, Belarus and Ukraine.

SEB Travel Insurance sells both single-trip and annual policies via PZU. The yearly plans include a Family option (from €199) and individual Travel/Travel Junior (from €149). Cover is worldwide with noted exclusions, and each trip under an annual plan can last up to 90 days. Assistance is available round the clock. 

However, the 90-day trip limit may not be suitable for those planning extended stays abroad. Overall, SEB provides a comprehensive solution for family travel insurance needs.

Rating:

• Price: 4/5
• Family Coverage: 5/5
• Trip Duration: 3/5

Luminor black travel insurance – best for high coverage limits

Pros:

• Medical expenses up to €300,000; repatriation within that limit.
• Dental emergencies and accident cover included.
• Civil liability up to €50,000; rental-car excess €500.

Cons:

• Trip cancellation/termination limit is relatively modest (€1,000 with 15% deductible).

Luminor Black Travel Insurance get bundled travel insurance for themselves and close family on trips up to three months. Medical coverage is available up to €300,000, with additional benefits for dental emergencies and accidents. Liability, luggage, disruption and a small rental-car excess benefit are included. 

• Medical expenses coverage up to €300,000
• Coverage for dental emergencies
• Repatriation costs coverage
• Civil liability coverage provides an extra safeguard against potential legal claims.

Rating:

• Price: 3/5
• Coverage Limits: 5/5
• Additional Benefits: 4/5

Price: Discounted price available online -10%

Pros:

• 24/7 assistance worldwide in Estonian.
• Help arrange new flights and accommodation when trips are disrupted.
  Add-ons for natural disasters, flight-plan changes, active/competitive sports and physical work.

Cons:

• Limits and optional covers vary by plan; check sums carefully.

ERGO Travel Insurance cover medical costs, baggage and trip disruption, and their assistance team can arrange replacement flights and hotels if plans go awry. You can add cover for natural disasters, airline schedule changes, active or competitive sports, and work involving physical effort.

• Coverage for travel disruptions
• Arrangement of new flight tickets and accommodations if needed
• Coverage for essential items during luggage delays

ERGO’s 24/7 assistance is its most valuable feature, offering peace of mind for travellers facing unexpected challenges. 

Rating:

• Price: 4/5
• Assistance: 5/5
• Coverage Options: 4/5

Estravel travel insurance – best for COVID-19 coverage

Pros:

• COVID-19 medical cover up to €200,000; quarantine lodging and tickets up to €2,000 (with confirmed diagnosis).
• Flexible interruption/cancellation terms.

Cons:

• Trip-cancellation cover begins 4 days after purchase (plan ahead).

Estravel Travel Insurance is designed to address challenges posed by COVID-19. It offers the following coverage:

• Medical expenses related to COVID-19 up to €200,000
• Up to €2,000 for additional accommodation and ticket costs in case of quarantine
• Flexible conditions for travel interruptions, compensating for extra costs due to cancellations.

Estravel brokers Salva’s travel insurance. COVID-19 treatment is covered up to €200,000, and extra accommodation/tickets during quarantine can be reimbursed up to €2,000 with a confirmed diagnosis. Cancellation cover activates four days after policy purchase, so buy early if you need pre-trip protection.

Rating:

• Price: 4/5
• COVID-19 Coverage: 5/5
• Flexibility: 4/5

IF travel insurance – best for comprehensive support

Pros:

• Medical treatment at private clinics is covered; the sample medical limit is up to €650,000.
• Evacuation/medical costs covered for certain crisis events (e.g., armed conflict, terrorism, natural disasters).
• Optional veterinary cover for cats/dogs; rental-car excess up to €2,000.

Cons:

• Some sums are lower than those of rivals for liability unless increased; check the options.

IF Travel Insurance provides extensive support, ensuring peace of mind during travels, including:

• 24/7 assistance available in your native language
• Coverage for medical emergencies
• Coverage for travel interruptions
• Coverage for luggage issues
• Coverage for pets
• Coverage for terrorism-related incidents

This makes it comprehensive for various travel needs.

IF cover medical care (including private providers), luggage and trip disruption. It also includes cover for specified crisis events, with evacuation/medical expenses within limits. Pet owners can add veterinary cover, and drivers can add rental-car excess cover. Trip-cancellation protection typically begins three days after purchase.

Rating:

• Price: 3/5
• Support: 5/5
• Coverage Options: 4/5

Iizi travel insurance – best for flexibility

Pros:

• Compares options and lets you tailor cover (sports, physical work, events, strikes, natural disasters).
• App access to policies; simple document storage on the go.

Cons:

• High-risk activities and speciality add-ons increase premiums (as with most insurers).

Iizi Travel Insurance stands out for its flexibility, allowing travellers to select additional coverage tailored to their specific trip. 

IIZI is a broker: you build the cover you need and buy from partnered insurers. You can add protection for higher-risk sports, physical work, events, and travel. The IIZI app keeps your policy docs handy. Note that many insurers apply a waiting period for pre-trip cancellation cover (often ~72 hours), so purchase early.

Rating:

• Price: 4/5
• Flexibility: 5/5
• Ease of Use: 5/5

PZU travel insurance – best for a quick claims process

Pros:

• Medical, luggage, liability and disruption cover; risky activities and physical work can be added.
• “Cancel for any reason”-style add-on (“waiving the trip”) available with conditions.

Cons:

• Trip-cancellation cover starts 72 hours after payment (buy early).
• Some add-ons have deductibles (e.g., 30% on “waiving the trip”).

PZU Travel Insurance offers both short-term and annual policies. You can add coverage for risky activities and physical work, and choose higher disruption limits. Cancellation cover starts 72 hours after you pay; there’s also an optional “waive the trip” extension that lets you cancel for any reason (with a time-limited purchase window and a 30% deductible).

Rating:

• Price: 4/5
• Claims Process: 5/5
• Service Quality: 3/5

Seesam travel insurance – best for adventure sports

Pros:

• Single-trip and annual multi-trip policies are available. Multi-trip yearly policies can last up to 90 days each.
• Risky activities and competitive sports coverage available; the e-shop often offers –15% discounts.

Cons:

• No coverage for travel to Russia or Belarus; please check the regions.

Seesam Travel Insurance allows you to choose from medical-only coverage or add disruption and luggage coverage. Annual multi-trip policies allow unlimited trips with a 90-day cap per journey, and you can add cover for risky activities/competitive sports. Their e-shop frequently advertises online discounts.

Rating:

• Price: 3/5
• Adventure Sports Coverage: 5/5
• Comprehensive Support: 4/5

How to pick the best travel insurance for your needs

Choosing the right travel insurance means looking beyond price and focusing on what you need:

• Trip length and activities: Consider how long you’ll be away and whether you’ll be engaging in higher-risk activities, such as skiing or diving.
• Policy type: Decide between a single-trip policy or an annual multi-trip plan if you travel regularly.
• Medical coverage: Ensure the policy provides sufficient medical protection and repatriation in the event of an emergency.
• Add-ons: Check whether you can add extras such as winter sports or cruise cover.
• Claims process: Read the fine print on how claims are handled — you’ll usually need receipts and official reports to be reimbursed.

Compare multiple insurance providers before purchasing to avoid high costs. Look for policies offering optional add-ons for specialised needs, such as winter sports or cruise coverage.

Understanding the claims handling requirements, including necessary receipts and reports, is crucial for a smooth claims process. Taking these steps ensures that you choose the best travel insurance policy to meet your needs and provide peace of mind during your travels.

Compare your travel insurance options with MoneyHub

Travel insurance is a crucial component of planning any trip. It protects you from the financial shock of medical emergencies, trip cancellations, lost luggage, or other unexpected issues.

In this guide, we’ve highlighted Estonia’s leading travel insurance options for 2025 — from LHV’s customisable cover and SEB’s family policies to Luminor Black’s high medical limits and Seesam’s adventure sports protection.

By comparing providers and thinking carefully about your travel style, you can find a policy that keeps you covered and lets you enjoy your journey with confidence.

Frequently Asked Questions

What is the best travel insurance for customisable coverage?

LHV Travel Insurance is the most flexible, offering single-trip and multi-trip options, as well as add-ons such as liability and event cancellation coverage.

Which travel insurance provides the highest medical coverage?

Swedbank Travel Insurance provides coverage for medical expenses up to €1,000,000, making it one of the strongest options for comprehensive medical protection.

What travel insurance is recommended for families?

SEB offers family-friendly plans that cover a spouse/partner and children under one policy. Its annual multi-trip option is convenient for families travelling more than once a year.

Which travel insurance should I choose for adventure sports?

Seesam stands out for covering high-risk and competitive sports, as well as medical emergencies and liability protection.

What travel insurance has the quickest claims process?

PZU is well-regarded for its efficient claims handling, which can save time and stress if something goes wrong abroad.