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Travel insurance

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)

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.

  • 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);
    • includes insurance cover for the following family members listed in the policy travelling with the cardholder:
      − the spouse or partner and
      − two of their children under the age of 18 (or 22, if enrolled in full-time studies);
    • the annual insurance premium is 69 euros.
       
  • 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);
    • the annual insurance premium is 78 euros.
       
  • 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).

    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 insurance provides cover for a child travelling with the policyholder.

    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.

 

* PZU is the trademark of AB “Lietuvos draudimas” Estonian branch. AB “Lietuvos draudimas” is a Lithuanian non-life insurance company, belonging to the international PZU Group. AS SEB Pank acts as the insurance agent of the Estonian branch of AB “Lietuvos draudimas”, and is entered in the list of insurance intermediaries published on the website of Financial Supervision Authority. The list is available at www.fi.ee.

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
  • 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;
     
  • 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 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 or via homepage at www.pzu.ee.

* PZU is the trademark of AB “Lietuvos draudimas” Estonian branch. AB “Lietuvos draudimas” is a Lithuanian non-life insurance company, belonging to the international PZU Group. AS SEB Pank acts as the insurance agent of the Estonian branch of AB “Lietuvos draudimas”, and is entered in the list of insurance intermediaries published on the website of Financial Supervision Authority. The list is available at www.fi.ee.

Maximum insurance cover limit for each type of indemnity in euros

The limits apply to contracts entered into from 1 December 2016.

  Gold Silver Child
Insured event Adult     Child     Deductible Adult   Deductible Child Deductible
Medical expenses, incl. 500,000 0 500,000 100,000 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 69 78 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.

* PZU is the trademark of AB “Lietuvos draudimas” Estonian branch. AB “Lietuvos draudimas” is a Lithuanian non-life insurance company, belonging to the international PZU Group. AS SEB Pank acts as the insurance agent of the Estonian branch of AB “Lietuvos draudimas”, and is entered in the list of insurance intermediaries published on the website of Financial Supervision Authority. The list is available at www.fi.ee.

Read the 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.


* PZU is the trademark of AB “Lietuvos draudimas” Estonian branch. AB “Lietuvos draudimas” is a Lithuanian non-life insurance company, belonging to the international PZU Group. AS SEB Pank acts as the insurance agent of the Estonian branch of AB “Lietuvos draudimas”, and is entered in the list of insurance intermediaries published on the website of Financial Supervision Authority. The list is available at www.fi.ee.

Contact

  • Customer support

    622 4545

  • E-mail

More info

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