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Travel insurance
Covers the unexpected expenses incurred while travelling
- Feeling of secure, even when far away from home
- Annual travel insurance that is valid all around the world (except in the Republic of Estonia)
PZU* travel insurance will cover travel-related medical expenses caused by unexpected illness or accidents (incl. terrorism), expenses related to travel interruptions, expenses related to damaged or lost luggage and expenses guaranteed by liability insurance.
In cooperation with PZU, we have developed the best travel insurance packages for our clients. A travel insurance contract can be entered into via SEB’s Internet Bank for private customers and at bank branches.
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Gold travel insurance
SEB clients who have permanent residence in Estonia and hold a Visa Gold or MasterCard Gold credit card or Gold or Platinum debit card can enter into a Gold travel insurance contract.
The advantages of Gold travel insurance:
- valid for one year (one trip may last for up to 90 days);
- valid all over the world (except in the Republic of Estonia);
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includes insurance cover for the following family members listed in the policy travelling with the policyholder:
− the spouse or partner and
− two of their children under the age of 18 (or 22, if enrolled in full-time studies); - upon expiration of a valid agreement, PZU will forward an offer for a new term in good time;
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the annual insurance premium is 89 euros.
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Silver travel insurance
SEB clients who have permanent residence in Estonia can enter into a Silver travel insurance contract.
The advantages of Silver travel insurance:
- valid for one year (one trip may last for up to 90 days);
- valid all over the world (except in the Republic of Estonia);
- upon expiration of a valid agreement, PZU will forward an offer for a new term in good time;
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the annual insurance premium is 89 euros.
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Child travel insurance
SEB clients who have a valid Gold or Silver travel insurance can enter into a Child travel insurance contract to insure their child who is under the age of 18 (or 22, if enrolled in full-time studies). The insurance provides cover only for a child travelling with the policyholder.
A Child travel insurance is required in the case of:
- Gold travel insurance policy, starting from the third child;
- Silver travel insurance policy, starting from the first child.
The advantages of Child travel insurance:
- valid for one year (one trip may last for up to 90 days);
- valid all over the world (except in the Republic of Estonia);
- the annual insurance premium is 25 euros.
Please note that upon the expiration of a Child travel insurance agreement, offers will not be sent for a new term. A new Child travel insurance agreement must be concluded for continued insurance cover.
The following costs are compensated by travel insurance:
- medical and pharmaceutical expenses incurred during a trip as a result of unexpected illness or accidents, incl. terrorism. If the doctor decides that the patient requires urgent transportation to Estonia, the related costs will also be covered;
- expenses related to an extended trip, if the insured person is unable to return to Estonia due to an insured event involving medical aid;
- the travel expenses (up to five days’ worth) of a close person for visiting the insured person abroad, if an insured event involving medical aid has taken place;
- expenses that are incurred
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upon cancellation of your trip, i.e. if a trip that has been booked and paid for or bought does not take place. In such a case, the cost of the part of the travel package that was redeemed or irrevocably ordered and was subject to purchase (e.g. hotel room rent, plane tickets, car rent, concert tickets, tours), which the insured person or policyholder is not entitled to retrieve from the travel agent or service provider related to the trip, is reimbursed;
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upon discontinuation of your trip, i.e. if a trip that was already started is cut short and you return to Estonia. A trip is considered to have begun when the insured person leaves his/her home or place of work by regular transport to head for the harbour, airport, bus or train station. In the case that a trip is discontinued, the insured person is reimbursed any additional travelling and accommodation expenses that are necessary to return to Estonia or reach the destination of the trip;
- upon late arrival for your trip, i.e. if the insured person arrives late at the starting or transit point of his/her trip by regular transport (except hydrofoil ships) as a result of getting into a traffic accident, a technical failure, unfavourable weather conditions or crime. Any reasonable extra expenses that are necessary to make it to the trip or continue the trip will be reimbursed. If the trip of the insured person includes transfers, any reasonable extra expenses that are incurred when the person uses an alternative means of transport which is necessary to switch from one means of transportation to another are reimbursed. Any accommodation expenses are reimbursed as well. Any expenses incurred as a result of being late to one’s trip due to stolen documents will also be reimbursed;
- expenses that are incurred as a result of changing plane tickets to the same destination due to unexpected changes in the itinerary. Any expenses that are incurred as a result of changing plane tickets due to a cancelled trip or missing the flight or connecting flight are similarly reimbursed;
- expenses that are incurred due to departing flights being delayed by more than 12 hours. Any essential subsistence, transportation and accommodation expenditure is reimbursed. The insurer will cover the costs of one insured event per insurance period;
- any expenses that are incurred, if your luggage goes missing, is late or damaged;
- unexpectedly and unforeseeably caused material damage or personal injuries to third parties which the policyholder must cover by law. Any legal and bail expenses are also covered under liability insurance.
Read the travel insurance service document and terms and conditions of travel insurance and the limitations and exclusions of damages compensation payments before entering into a contract. Contact the PZU customer service by phone on (+372) 622 4545 to consult a specialist, if necessary.
If you have a valid insurance contract, inform the insurer of the accident as soon as possible by the 24h phone line (+372) 622 4545, e-mail seb@pzu.ee or via homepage at www.pzu.ee.
Limitation of indemnity by classes per one insured event and for insured persons together (unless otherwise stated in the policy)
| Gold | Silver | Child | |||||
|---|---|---|---|---|---|---|---|
| Insured event | Adult | Child | Deductible | Adult | Deductible | Child | Deductible |
| Medical expenses, incl. | 500,000 | 0 | 500,000 | 0 | 100,000 | 0 | |
| – costs of purchasing medical aids | 200 | 200 | 0 | 200 | 0 | 200 | 0 |
| – dental emergency | 200 | 200 | 0 | 200 | 0 | 200 | 0 |
| Invalidity benefit | 10,000 | 2,000 | 0 | 10,000 | 0 | 2,000 | 0 |
| Indemnity on death | 10,000 | 2,00 | 0 | 10,000 | 0 | 2,000 | 0 |
| Travel interruption (cancellation, discontinuation of or late arrival for trip) | 2,000 | 30 | 2,000 | 30 | 500 | 30 | |
| Change of plane ticket for whatever reason | 150 | 150 | 50 | 0 | |||
| Change of plane ticket, if trip is cancelled or person misses flight or connecting flight | 150 | 150 | 50 | 0 | |||
| Delay of departing flight by more than 12 h (one departing flight delay insured event is indemnified per insurance period) | 150 | 150 | 50 | 0 | |||
| Damage to or loss of baggage | 1,000 | 30 | 1,000 | 30 | 250 | 30 | |
| Delay of baggage by more than 4 h | 300 | 0 | 300 | 0 | 100 | 0 | |
| Theft or robbery of only travel document | Reasonable replacement costs in foreign state | Reasonable replacement costs in foreign state | Reasonable replacement costs in foreign state | 0 | |||
| Liability insurance (personal injury and property damage combined per insurance period) | 10,000 | 30 | 10,000 | 30 | 2,500 | 30 | |
| Legal aid (total per insurance period) | 1,000 | 30 | 1,000 | 30 | 1,000 | 30 | |
| Bail (total per insurance period) | 3,000 | 30 | 3,000 | 30 | 1,000 | 30 | |
| Annual insurance premium in euros | 89 | 89 | 25 | ||||
The limit of all indemnities during one period of insurance is the sum insured specified in the insurance policy: the sum insured in the case of Gold and Silver travel insurance is 500,000 euros and 100,000 euros in the case of Child travel insurance.
In the case that several insured persons are injured at the same time (in the case of Gold policies) or several insured events take place, 500,000 euros is the maximum amount indemnified in the case of Gold and Silver travel insurance policies. In the case of Child travel insurance policies, the respective indemnification does not exceed 100,000 euros.
Read the travel insurance service information document and terms and conditions of travel insurance and the limitations and exclusions of damages compensation payments before entering into a contract. Contact the PZU customer service by phone on (+372) 622 4545 to consult a specialist, if necessary.
An insurance agent is paid an agency fee for mediating the insurance, which is included in the insurance premium. The agency fee for travel insurance payable to the insurance agent by PZU is 21% of the insurance premium.