Terms and Conditions of Gold Card Travel Insurance

TTLHV-20201
Valid from 01.09.2020

Table of sums insured
The table shows an overview of the sums insured and indemnity limits; these are the maximum amounts that If will compensate in case of insured events occurring during one trip. If the actual loss is smaller, the actual loss shall serve as the basis.

Type of indemnitySum insured or indemnity limit per insured personExcessReference to the clause in the Terms and Conditions of Insurance
Medical insurance500,000 euros7
including dental treatment500 euros7.3
including medical equipment200 euros7.5
Luggage insurance1000 euros9.7
including indemnity limit for camera, laptop or tablet50% of the sum insured by luggage insurance9.6
Luggage delay500 eurosup to 4 hours9.5;9.7
Expenses on replacement documents200 euros9.7
Trip cancellation2000 euros11
including event tickets due to cancellation of trip150 euros11.5
Travel disruption related to means of transport2000 euros11
Change of flight tickets150 euros11.6;11.9
Trip curtailment2000 euros11
Delay of public transport – indispensable items200 + 300 euros4 hours + 24 hours11.18
Death or permanent disability due to an accident, persons over 16 years of age50,000 euros13.3; 13.5
Death or permanent disability due to an accident, persons up to 16 years of age2000 euros13.3;13.5
Liability cover100,000 euros15
including damage caused to sports equipment, premises, apartment or building in the possession or use of the Insured2000 euros15.4
Legal costs10,000 euros17.1
including bail bond5000 euros17.2
Telephone calls from abroad200 euros18.2
Rental car excess insurance10,000 euros19.4
  1. Parties to the Insurance Agreement

    1. The parties to the Insurance Agreement are the policyholder AS LHV Pank (hereinafter the “Policyholder”), registry code 10539549, address Tartu mnt 2, 10145 Tallinn, e-mail info@lhv.ee and the insurer, If P&C Insurance AS (hereinafter “If”), registry code 10100168, address Lõõtsa 8a, 11415 Tallinn, e-mail info@if.ee.
  2. Bank cards covered by insurance

    1. The insurance applies together with LHV Gold Card issued to a natural person (hereinafter the “Card”).
  3. Insured person

    1. The insured persons (hereinafter the “Insured”) are the cardholder up to 79 years of age (included) and the following family members travelling with the Insured:
      • spouse or partner of the Insured up to 79 years of age (included);
      • children and grandchildren up to 21 years of age (included) of the Insured and of his/her spouse/partner.
    2. The home country is deemed to be the country of permanent residence of the Insured.
    3. The insurance cover does not apply to persons listed in clause 3.1 if they travel separately from the cardholder (i.e., if they commence travel and return from the trip at a different time from the cardholder and/or using different transport or spend the night at a different lodging).
    4. If a person is considered insured on the basis of more than one LHV bank card that includes travel insurance, they may select only a single insurance included on a LHV bank card, and the insurance cover, sums insured and limits on indemnity may not be cumulated.
  4. Trip

    1. A trip means travel undertaken by the Insured from the home country to another country or other countries for a temporary sojourn. Trips within the home country are not covered.
    2. The insurance cover is valid only for trips starting from the home country.
    3. Insurance applies to trips starting during the validity of the Card, except for the cases set out in the next clause and upon expiry or termination of the Insurance Agreement (see clause 5).
    4. If the Insured was already abroad at the time the contract entered into force, the insurance cover does not apply during this trip.
  5. Validity of insurance

    1. The insurance cover is valid for the first 90 days of each trip.
    2. If due to the insured event, the Insured is still in a foreign country on the 90th day, the insurance cover will extend for another 48 hours.
    3. Insurance cover shall begin on the first day of validity of the card and expire on the last day of the validity of the card, taking into account the provisions of clauses 5.1 and 5.2.
    4. The insurance cover will end pre-term if before 90 days have passed from the beginning of the trip, the Card expires and is not renewed in a way that the new Card becomes valid when the previous Card expires or within no more than 10 days after the expiry of the previous card.
    5. Insurance cover will end with the expiration of the Insurance Agreement. If the Insurance Agreement expires or is terminated, the Policyholder shall notify the Cardholders 2 months in advance, except for in the instance provided in clause 21.17.
  6. Insurance territory

    1. The insurance is valid everywhere in the world, except for in the cases specified in the following clause.
    2. The insurance is not valid in the home country (except for in the cases set out in the Terms and Conditions of Insurance).
  7. Medical insurance

    1. An insured event covered under medical insurance is the following event befalling the Insured:
      • unexpected deterioration of health, which starts or the first symptoms of which appear during the trip and for the treatment of which the Insured needs urgent medical care
      • death during the trip.
        Please note! Make sure to read all the exclusions for medical insurance and general exclusions.
    2. Medical treatment expenses and prescription medications. If compensates the expenses of prescription medications and medical treatment expenses arising from the insured event, if the expenses were incurred within 60 days of the occurrence of the insured event.
    3. Dental treatment. In the case of an insured event covered under the medical insurance, If compensates unexpected toothache treatment expenses in a foreign country and/or emergency dental treatment expenses caused by an accident (e.g. a fall) during the trip, including examinations and medication in the amount of up to 500 euros (indemnity limit for dental treatment). If does not compensate scheduled dental treatment.
    4. Expectant mother. In the case of an insured event covered under medical insurance, If shall compensate emergency medical care expenses due to unexpected complications of pregnancy within the first 35 weeks of pregnancy. If does not compensate the costs of pregnancy complications if the pregnancy has lasted for more than 35 weeks.
      • If does not compensate the expenses resulting from maternity, the related complications, as well as post-natal treatment or care, except for premature birth during the first 35 weeks of pregnancy. The exclusion applies to costs related to either the mother or the baby.
    5. Medical aids. If will compensate:
      • expenses on repairing the Insured’s prosthetic, hearing aid or eyeglasses broken due to an insured event covered under medical insurance, or on purchasing new ones, up to 200 euros per insured event (indemnity limit for medical equipment).
      • expenditures in a foreign country on medical aids caused by an insured event covered under medical insurance (eyeglasses, hearing aid; wheelchair, crutches etc.) if this has been prescribed by a doctor, up to 200 euros per insured event (indemnity limit for medical equipment).
    6. Death of the Insured. If shall compensate the following for an insured event covered under medical insurance:
      • expenses on burial or cremation of the Insured in a foreign country;
      • repatriation of the body or ashes of the Insured;
      • arrangement of burial or cremation of the Insured in a foreign country, If must be called.
    7. Transport expenses. If shall compensate the following in the case of an insured event covered under medical insurance:
      • the Insured’s transport expenses for obtaining medical care in the travel destination or transit country;
      • expenses on repatriation of the Insured who is severely ill or injured. A physician approved by If shall decide whether and when the repatriation of the Insured is possible and necessary and designate the mode of transport for doing so.
      • If must be called to arrange repatriation of the Insured.
      • expenses on repatriation of an insured person who is a minor child and travelling with an insured person if, due to hospitalisation caused by an insured event covered under medical insurance, the adult insured person is unable to accompany the minor insured person back to the home country.
      • additional accommodation and transport expenses incurred by the Insured for repatriation if, due to the insured event covered under medical insurance, the Insured is unable to return from the travel as planned. If shall compensate additional accommodation expenses in the same accommodation establishment or one of equivalent quality. If will not compensate the aforementioned expenses for the time during which the Insured was recovered to an extent that their return to the home country or repatriation was medically feasible.
    8. Medical documents. If shall compensate the expenses of formalising, reproducing and sending medical documents on the basis of the medical insurance if this is necessary for claims handling.
      • If shall not compensate accommodation and transport expenses related to receiving documents.
    9. Family member travelling to the Insured or a travel companion staying with the Insured. Upon an insured event covered under medical insurance, If shall compensate:
      • reasonable accommodation expenses in the foreign country of one travel companion, remaining with the ill, injured or deceased Insured and transport expenses for the repatriation to the home country if this is unavoidable (e.g. mother staying with the child). The costs shall be reimbursed from the sum insured under the medical insurance of the Insured.
      • transportation, accommodation and food expenses of one family member of the Insured, to travel to and back from the ill or injured Insured if no travel companion stays with the Insured or if the Insured cannot be transported to their permanent place of residence within 10 days of the insured event. The costs shall be reimbursed from the sum insured under the medical insurance of the Insured. If shall not compensate the abovementioned expenses for the time during which the Insured had recovered to the extent that their return or repatriation to their home country was medically feasible.
      • If shall not compensate the transportation and accommodation expenses of a travel companion and or family member accompanying the Insured in the extent the latter would have had to make even in the absence of the insured event.
      • If shall not compensate the travel expenses (transport, accommodation, etc.) of persons attending the funeral or cremation ceremony of the Insured or the expenses of a funeral banquet.
    10. Action to be taken in case of an insured event covered under medical insurance:
      • If, in the case of an insured event, the Insured needs medical care which is not hospital treatment, they may turn to a licensed medical institution. If the Insured does not know which medical institution to turn to, it is possible to call If to arrange for the treatment.
      • If should be called immediately if the Insured needs hospital treatment as a result of the insured event.
      • In the case of an insured event covered under medical insurance, If shall arrange for the hospital treatment, repatriation to the home country, burial or cremation of the Insured abroad. If reimburses the costs of the aforementioned services only if coordinated with If in advance.
    11. Certificates upon an insured event covered under medical insurance. To apply for the indemnity, the documents necessary for loss adjustment and decision-making shall be submitted:
      • notification on the occurrence and circumstances of the insured event and application for the insurance indemnity;
      • medical certificate containing the diagnosis and date of the event;
      • invoices for prescription medicines, accommodation service and transport;
      • If has the right to request additional evidence, such as a certificate confirming the period of residing in a foreign country, medical history, etc.
    12. High-risk activity, including sport. Medical insurance does not cover high-risk activities. High-risk activities are:
      • practising any competition sports, including preparation for competitions, participation in training camps, not including participation at a cycling, ski or running competition (including marathon) and triathlon, and participation in training camps in these sporting events;
      • snowboarding and alpine skiing, slalom outside the marked trails of winter sports centres;
        Example: Alpine skiing, snowboarding and slalom on marked trails at ski resorts are covered.
      • diving deeper than 20 metres, offshore sailing, water motorsports, (riding a jet ski, towing any conveyance behind a jet ski), rafting, waterskiing, kite surfing;
      • car or motor sports, including driving ATVs participating in practices and test-driving of motor vehicles, rally, kart racing, driving snowmobiles, motorcycle sports;
      • aviation sports, such as hang-gliding, paragliding, gliding, hot-air balloon riding;
      • sports that require special equipment, such as mountaineering, ice, rock, wall and mountain climbing;
      • expeditions and trips at altitudes exceeding 3500 m above sea level;
      • independently organised trips, expeditions to rain forests, deserts, tundra, Arctic regions, virgin forests, etc.;
      • extreme sports, including down-hill cycling, bicycle tricks, BMX riding, skateboard tricks, free-riding, hell-skiing, etc.;
      • parachute and bungee jumps;
      • tobogganing, ski jumping, speed skiing;
      • martial arts or sports related to self-defence, such as karate, judo, boxing, kickboxing and Thai boxing, wrestling, etc.;
      • Also, other sports, not mentioned above but comparable to the ones above (including extreme sports), are considered high-risk sports, in the course of which there is a higher risk of becoming lost, falling ill, dying or sustaining bodily injuries.
    13. Paid physical labour. Medical insurance applies at work and in service, except for the following cases. Medical insurance does not cover the following jobs or professions:
      • professional athlete, stuntman/woman;
      • mine worker, oil rig worker;
      • fisherman, member of a boat crew, diver;
      • member of a plan crew;
      • policeman, security guard, rescuer, mine expert;
      • conscript in military service, border guard service;
      • participant in any military activities, drills and exercises, military missions, including an observer or in being engaged in other works;
      • any work, job or activity, during the performance of which the Insured carries or uses a weapon or handles explosives.
  8. Exclusions to medical cover

    1. Expense incurred in home country. If shall not compensate expenses incurred in the home country even if the expenditure stemmed from an insured event occurring abroad.
    2. Expenses related to illnesses that started or injuries sustained before the beginning of the trip. If shall not compensate medical expenses caused by an illness that began or an injury sustained before the trip. This exclusion shall not apply in the case of first aid administered in the event of a life-threatening flare-up of a chronic illness.
    3. Expense on pre-planned treatment. If shall not compensate the costs of treatment planned in advance, including scheduled cosmetic surgery.
    4. Pregnancy, childbirth. If shall not compensate expense occasioned by childbirth, abortion, complications related thereto, or postnatal care or nursing, excluding cost of emergency medical care in a foreign country if caused by unforeseen complication during the first 35 weeks of pregnancy. The exclusion shall apply to expenses related to both the mother and child.
    5. Exclusions in regard to repatriation of the Insured:
      • If shall not compensate repatriation if the Insured returned from the trip without coordinating it with If or disregarded the instructions from If or the physician upon returning to their home country.
      • If a physician approved by If considers repatriation feasible but the ill or injured insured person refused to do so, If shall not compensate any further expenses.
      • If a physician approved by If does not consider repatriation medically justified, If shall not compensate the cost of repatriation.
    6. Other exclusions. If shall not compensate expenses:
      • which are not of an emergency nature;
      • on procedures and services that were not prescribed by a physician;
      • on medications purchased without a prescription;
      • on rehabilitative care;
      • on non-medical or alternative medicine treatment methods;
      • on treatment provided by a person with no medical licence;
      • on tattooing, tattoo removal or complications thereof;
      • on diagnosis and treatment of psychological and behavioural disorders, including depression;
      • on diagnosis and treatment of sexually transmitted diseases, HIV and AIDS;
      • on vaccination, not including vaccination for treatment of an insured event covered under medical insurance.
  9. Luggage insurance.

    1. An insured event covered under luggage insurance is where the luggage of the Insured:
      • is stolen abroad, including in a robbery;
      • is delayed for more than 4 hours due to the fault of the transport company;
      • is damaged or lost abroad;
      • goes missing due to the fault of the transport company.
    2. Luggage is personal items which the Insured carries along during the trip, except for the following items, which are not covered:
      • tickets, money, securities, bankcards;
      • items made of glass, clay or porcelain;
      • glasses, sunglasses, contact lenses;
      • tools and work equipment;
      • sailboard, sail of the sailboard;
      • items leased, rented or borrowed during the trip;
      • foodstuff, drinks;
      • goods and samples offered for sale;
      • documents, such as manuscripts, drawings, photos, advertising and training material. Luggage insurance is applied to a personal identity document, visa and vaccination certificate (see clause 9.7);
      • software and databases;
      • motor vehicles, trailers, watercraft, aircraft, their spare parts, accessories;
      • plants, including seeds, bulbs, rhizomes;
      • animals, including birds, insects, amphibians, reptiles;
      • items, the possession of or import of which into the home country is illegal.
        Please note! Make sure to read the luggage insurance exclusions and general exclusions.
    3. Safety requirements for the storage of luggage:
      • Luggage must be kept in a locked room or in a manner that is appropriate and adequately guarded.
      • Items left in a vehicle must be placed or covered in a way that they do not attract attention. When leaving the vehicle, all windows and sunroof must be closed, doors locked and security devices activated.
      • Items may not be left in the vehicle for the night.
      • Items which were stored in an open bed or tent of a vehicle, in an unlocked roof box, luggage box or bag of a motorcycle are not subject to compensation.
      • When unsupervised, a bicycle must be locked to a strong base.
      • The following items must be under continuous and immediate supervision of the Insured, or in a strongbox or a locked storage space of the accommodation establishment:
        • electronic equipment. including cameras, phones, smart devices, laptops, tablets, etc.;
        • firearms;
        • musical instruments;
        • valuables, watches, works of art and antique items;
        • collections;
        • personal identity document, visa, vaccination certificate.
      • Items listed in the previous clause must be transported in hand luggage. These may not be given to the common luggage compartment of a plane, boat, bus or train or left in a vehicle unattended. Firearms and musical instruments may not be transported as hand luggage pursuant to the rules of the carrier.
      • The insured must comply with all legislation, instructions, guidelines, precepts, etc., of the transport company, which contain guidelines for ensuring safety, preventing and minimising possible damage.
    4. Compensation for luggage loss:
      • If it is reasonable to repair the damaged item, If shall compensate the repair costs. If is not obliged to arrange restoration of the property.
      • If the luggage has been stolen, stolen in a robbery, lost due to the fault of the transport company or if repairing the same is not reasonable, If shall compensate its market value in the home country.
      • If it is not possible to determine the market value of the item, the indemnity shall be determined based on the purchase price of the item. Depreciation in value of the item over time at a rate of 10%–30% of the purchase price per year shall be deducted from the purchase price.
      • In the case that If has paid compensation for the luggage and the luggage is found, the Policyholder shall notify If as soon as possible that the luggage has been found.
      • If shall not organise repair of the item of purchase or delivery to the Insured of a replacement item.
    5. Indispensable items upon luggage delay:
      • If due to the fault of the transport company, the luggage is delayed for more than 4 hours, If shall compensate the cost of purchasing or renting the items that are indispensable during the trip and that were contained in the luggage.
      • If shall not pay indemnity for medication, food, drinks and tobacco products.
      • If shall not pay indemnity for indispensable items bought in the home country of the Insured.
      • If shall not pay indemnity for the indispensable items if the luggage was delayed when arriving in the home country of the Insured.
      • If shall not pay indemnity for the indispensable items if the delay or non-arrival of the luggage was caused by a strike or disruption or work, which the Insured was aware of before setting off on the trip.
      • If shall not pay the indemnity for indispensable items if the delay or non-arrival of the luggage was caused by the activity of customs, border guard or other public officials, including imposition of a flight ban if the Insured was aware of it before setting off on the trip.
    6. Indemnity limit:
      • If pays compensation for a camera, laptop or tablet and their accessories up to 50% of the sum insured under luggage insurance for each of the abovementioned items, but the total may not exceed the sum insured.
        EXAMPLE. The Insured was robbed of a laptop with a market value of 640 euros. The sum insured under luggage insurance is 1000 euros. If pays 500 euros as compensation for the laptop, which is 50% of the sum insured.
    7. Sums insured:
      • The sum insured in case of theft, damage or loss of baggage is 1,000 euros and the sum insured for indispensable items in case of delay is 500 euros.
      • The sum insured for obtaining a replacement document for the personal identity document, visa or vaccination certificate is 200 euros.
    8. Action to be taken upon luggage loss:
      • In the case of luggage loss, first, a person liable for such shall be contacted (transport company, hotel) and a claim for damage filed.
      • Upon luggage delay, a certificate must be presented for the delayed luggage along with invoices for purchasing or renting indispensable items.
      • If luggage loss was caused due to the fault of the transport company or accommodation establishment or another provider of a storage service, If must be presented a certificate of this enterprise regarding the reasons for luggage loss.
      • Theft or robbery involving luggage must be immediately reported to the police. A police report regarding the circumstances of the event must be presented to If.
      • If has a right to demand further evidence, such as invoices for repairing the items, photos, further explanations, etc.
  10. Exclusions for luggage insurance

    1. If shall not compensate losses caused by:
      • the items being exposed to liquids in the luggage;
      • luggage being left unsupervised, lost or left behind;
      • breakage of an item made of glass, porcelain, ceramics or other fragile material, including damage thereby sustained by other items.
  11. Travel interruption insurance

    1. Travel interruption is trip cancellation, travel disruption related to a means of transport, or curtailment due to the reasons described below.

    2. In the case of an insured event covered under travel interruption insurance, If shall compensate the expenses determined in the Terms and Conditions of Insurance if such expenses were made for the Insured, regardless of who made them.

    3. If the expenditures were made jointly for several persons, e.g. five friends rented a house, If shall calculate the indemnity based on the assumption that the joint expenses were divided equally between all participants.

    4. Trip cancellation. Trip cancellation is an insured event if the Insured cannot go on a trip from the home country or returns within 24 hours as of the start of the trip to the home country and this is caused by:

      • unexpected illness, bodily injury or death of the Insured;
      • unexpected illness, bodily injury or death of the travel companion of the Insured, with whom the Insured planned to go on the trip;
      • life-threatening condition, serious bodily injury or death of a close relative of the Insured;
      • sudden and unexpected damage to the property of the Insured in the home country if the presence of the Insured is absolutely required.
        Please note! Make sure to read all the travel disruption exclusions and general exclusions.
    5. In the case of an insured event of trip cancellation, If shall compensate the cost of unused services related to this trip (transport expenses, accommodation, concert tickets, etc.), which the service provider does not return to the Insured.

    6. Change of flight ticket. If the Insured decides after a travel cancellation insured event to go on a trip from the home country, If shall compensate a maximum of 150 euros of the expense on changing flights. In the above case, other expenses (including services not used) shall not be compensated.

    7. Travel disruption related to a means of transport. An insured event covered as travel disruption related to a means of transport is a missed connection, including connecting flight, due to the following circumstances:

      • delayed arrival of regular public transport or transport organised by the travel agent or provider of an accommodation, charter flight or bus or non-departure due to change in schedule, on condition that the delayed or non-departed transport ticket was already purchased or booked; or
      • traffic accident or mechanical breakdown, including flat tyre, involving the vehicle, e.g. taxi, rental car, leased vehicle;
      • emergency landing of aircraft;
      • delay in baggage outside of the home country, due to the fault of the transport company;
      • weather conditions, natural disaster;
      • crime;
      • overbooking;
      • cancelled flight;
      • Note: If will not pay compensation if the reason for travel disruption related to a means of transport was a circumstance not mentioned above, such as incorrectly planned travel schedule, etc.
        Please note! Make sure to read the travel disruption exclusions and general exclusions.
    8. In the case of an insured event covered as a travel disruption related to the means of transport, not including the cases set forth in clause 11.9, If compensates

      • additional reasonable transport and accommodation expenses which are necessary for continuing the trip or returning to the home country.
      • the cost of services related to a trip that were not used due to an insured event covered as a travel disruption related to a means of transport and which the Insured cannot recover. The cost of the service used shall be found based on the period during which the Insured was able to use the service. In the case that If pays the compensation for replacement service (such as replacement lodging, replacement flight etc.), If shall not compensate the cost of the service not used.
    9. Change of flight tickets. If an insured event of travel disruption related to a means of transport takes place before the start of the trip but the Insured decides to nevertheless go on the trip and the new flight departs more than 48 hours after the originally planned flight, If shall provide a maximum 150 euros compensation for the cost of the change in flight ticket. Other expenses shall not be compensated.
      Example: The insured person is scheduled to travel a year from now. If will compensates up to 150 euros.

    10. If shall not pay compensation related to a means of transport if the Insured would not have arrived at the place of departure of the means of transport in time in the absence of the insured event.

    11. Trip curtailment. Trip curtailment is an insured event if the Insured has to return to the home country prematurely due to any of the following events occurring during the insured trip:

      • life-threatening condition, serious bodily injury or death of the Insured or a family member travelling together with the Insured or travel companion;
      • life-threatening condition, serious bodily injury or death of a close relative of the Insured staying in the home country;
      • sudden and unexpected damage to the property of the Insured in the home country if the presence of the Insured is absolutely required.
        Please note! Make sure to read the travel interruption exclusions and the general exclusions.
    12. Upon an insured event of trip curtailment, and also if the Insured is hospitalised due to an insured event specified in clause 11.4, If shall compensate:

      • additional transport and accommodation expenses, necessary for continuing the trip or returning to the home country;
      • cost of services not used due to an insured event covered as a travel disruption related to means of transport that the Insured cannot recover and which If will not pay compensation to replace. The cost of unused services is calculated based on the period in which the Insured was able to use the service.
        Example: The Insured rented a beach house for 10 days at a price of 1000 euros. On the fourth day, the Insured had to return to the home country due to an insured event. The landlord does not return the money paid. If compensates the rent for the unused 6 days, i.e. 600 euros.
    13. Trip curtailment due to evacuation. Trip curtailment is an insured event if the Insured is evacuated to the home country due to the following event that occurred during the trip:

      • war, armed conflict, terrorism, mass disorder or other large-scale infringement of public order;
      • natural disaster;
      • pandemic, epidemic.
    14. In the case of the above insured event, If shall compensate additional transport and accommodation expenses incurred abroad in connection with repatriation to the home country within 14 days as of the occurrence of the event specified in clause 11.13. No other expenses shall be reimbursed, including expenses on unused travel services.

    15. If shall not organise the evacuation of the Insured. Evacuation must take place pursuant to the guidelines of local authorities or the Ministry of Foreign Affairs of the home country.

    16. If shall not compensate the loss or expenses if the event that caused the evacuation started before the Insured arrived in the crisis area of the event specified in clause 11.13.

    17. If the Ministry of Foreign Affairs of the home country has published information on avoiding an area or country and the Insured travelled there after the information was published, then If will not pay the indemnity.

    18. Indispensable items in case of delay of public transport:

      • If the Insured is in a foreign country and if he means of public transport provided for in the travel plan is delayed for more than 4 hours, If shall compensate the costs of purchasing or renting indispensable items, including food and drink.
      • Within the meaning of clause 11.18, a means of public transport is deemed to also be a bus, boat, plane or train ordered by the travel agent.
      • If the means of public transport provided for in the travel plan is delayed for more than 24 hours, the sum insured will increase pursuant to the table of sums insured.
      • Indispensable items must be bought or rented, as well as accommodation services used in the travel destination, where the delay of the means of public transport occurred.
      • If shall reimburse the cost of clothes and toiletries if the Insured has delivered the luggage to the transport company.
      • If shall not pay indemnity for the indispensable items and accommodation service purchased in the home country of the Insured.
      • If shall not pay indemnity if the delay or non-arrival was caused by a strike or disruption or work which the Insured was aware of before setting off on the trip.
      • If shall not pay indemnity for the indispensable items if the delay was caused by the activity of customs, border guard or other public officials, including imposition of a flight ban, if the Insured was aware of it before setting off on the trip.
    19. Conduct in the case of travel interruption:

      • In the case of travel interruption, the providers of trip-related services must be notified immediately to apply for a refund or reimbursement of additional costs related to the disruption.
      • If must be presented with evidence verifying the insured event, e.g. aviation company’s confirmation of the flight delay, doctor’s note on illness, etc. If must also be presented with evidence verifying the costs incurred as a result of the insured event and the service provider’s reply as to whether and to what extent the expenses will be compensated.
      • If has the right to request additional evidence, such as a certificate confirming the time of departure from the home country, the period spent in the foreign country, medical history, etc.
    20. Upon an insured event of trip curtailment, and also if the Insured is hospitalised due to an insured event specified in clause 11.4, If shall compensate:

      • additional transport and accommodation expenses, necessary for continuing the trip or returning to the home country;
      • cost of services not used due to an insured event covered as a travel disruption related to means of transport that the Insured cannot recover and which If will not pay compensation to replace. The cost of unused services is calculated based on the period in which the Insured was able to use the service.
        Example: The Insured rented a beach house for 10 days at a price of 1000 euros. On the fourth day, the Insured had to return to the home country due to an insured event. The landlord does not return the money paid. If compensates the rent for the unused 6 days, i.e. 600 euros.
    21. Trip curtailment due to evacuation. Trip curtailment is an insured event if the Insured is evacuated to the home country due to the following event that occurred during the trip:

      • war, armed conflict, terrorism, mass disorder or other large-scale infringement of public order;
      • natural disaster;
      • pandemic, epidemic.
    22. In the case of the above insured event, If shall compensate additional transport and accommodation expenses incurred abroad in connection with repatriation to the home country within 14 days as of the occurrence of the event specified in clause 11.13. No other expenses shall be reimbursed, including expenses on unused travel services.

    23. If shall not organise the evacuation of the Insured. Evacuation must take place pursuant to the guidelines of local authorities or the Ministry of Foreign Affairs of the home country.

    24. If shall not compensate the loss or expenses if the event that caused the evacuation started before the Insured arrived in the crisis area of the event specified in clause 11.13.

    25. If the Ministry of Foreign Affairs of the home country has published information on avoiding an area or country and the Insured travelled there after the information was published, then If will not pay the indemnity.

    26. Indispensable items in case of delay of public transport:

      • If the Insured is in a foreign country and if he means of public transport provided for in the travel plan is delayed for more than 4 hours, If shall compensate the costs of purchasing or renting indispensable items, including food and drink.
      • Within the meaning of clause 11.18, a means of public transport is deemed to also be a bus, boat, plane or train ordered by the travel agent.
      • If the means of public transport provided for in the travel plan is delayed for more than 24 hours, the sum insured will increase pursuant to the table of sums insured.
      • Indispensable items must be bought or rented, as well as accommodation services used in the travel destination, where the delay of the means of public transport occurred.
      • If shall reimburse the cost of clothes and toiletries if the Insured has delivered the luggage to the transport company.
      • If shall not pay indemnity for the indispensable items and accommodation service purchased in the home country of the Insured.
      • If shall not pay indemnity if the delay or non-arrival was caused by a strike or disruption or work which the Insured was aware of before setting off on the trip.
      • If shall not pay indemnity for the indispensable items if the delay was caused by the activity of customs, border guard or other public officials, including imposition of a flight ban, if the Insured was aware of it before setting off on the trip.
    27. Conduct in the case of travel interruption:

      • In the case of travel interruption, the providers of trip-related services must be notified immediately to apply for a refund or reimbursement of additional costs related to the disruption.
      • If must be presented with evidence verifying the insured event, e.g. aviation company’s confirmation of the flight delay, doctor’s note on illness, etc. If must also be presented with evidence verifying the costs incurred as a result of the insured event and the service provider’s reply as to whether and to what extent the expenses will be compensated.
      • If has the right to request additional evidence, such as a certificate confirming the time of departure from the home country, the period spent in the foreign country, medical history, etc.
  12. Travel interruption insurance exclusions

    1. Health condition. If shall not pay compensation if the travel interruption is caused by:

      • anxiety disorder, depression or other psychiatric disorder;
      • pregnancy, related complications or childbirth.
    2. Failure to schedule properly. If shall not pay compensation if the trip is disrupted by the failure to schedule properly, disregarding the time allocated for layovers and security checks, regular weather conditions, characteristics of the local transport system, traffic congestion, etc.

    3. Costs incurred in the home country. If shall not pay compensation for costs on accommodation and transport incurred in the home country due to the cancellation of the trip.

    4. Other exclusions. If shall not compensate:

      • if the travel disruption is caused by a lack of documents or insufficient documents, e.g. the passport is not valid, missing visa, missing vaccination certificate, etc.;
      • loss of income resulting from the travel disruption;
      • for any damage due to lost opportunities due to the disruption, e.g. agreement not concluded, contacts not made, missed experiences or events, etc.;
      • for the costs of the repair, storage, write-down or transport of a means of transport, including the cost of recovery to the home country;
      • for the cost of food and drink, except for in case provided in clause 11.18;
      • if the travel disruption is caused by the action or omission of the tour operator, travel agency or travel service provider.
  13. Accident insurance

    1. An insured event of accident insurance is an accident which occurred with the Insured when travelling abroad within the area covered by the insurance, as a result of which:
      • the Insured dies within three years of the occurrence of the accident;
      • the Insured develops a permanent disability within one year of the occurrence of the accident.
    2. Death or development of a permanent disability as a consequence of illness does not constitute an insured event.
      Please note! Make sure to read the accident insurance exclusions and general exclusions.
    3. Death benefit. The amount of the death benefit is the sum insured with accident insurance. Death benefit is paid to the Insured’s beneficiaries. Death benefit is not paid when the Insured dies more than three years later.
    4. Death benefit is reduced by the permanent disability indemnity previously paid for the same insured event.
    5. Permanent disability indemnity. If pays the Insured a permanent disability indemnity if the Insured’s health has permanently deteriorated as a result of an insured event and corresponds to the following table when one year has passed from the insured event.
    Indemnity rateHealth condition
    25%The person usually does not require assistance, but their capacity has been reduced: memory loss, speech impediment, communication difficulties, loss of motor precision, loss of balance, person gets tired easily, etc.
    50%The person is only capable of simple and short activities. Their capacity is significantly impaired. Therefore, they depend on others in their daily activities (e.g. eating, bathing, clothing, moving about at home or outside the home, etc.) to a significant extent.
    100%The person exclusively needs assistance from another person in all their daily activities (e.g. eating, clothing, moving about indoors, bathing).
    1. The presence and extent of a permanent disability caused by an insured event in the sense of the insurance agreement is established when a year has passed from the insured event, taking the Insured’s health at the given moment as a basis.
    2. For ascertaining a permanent disability, the Insured’s health condition is compared to the health condition of a healthy person of the same age, only taking into account the disability’s severity and nature, but not the Insured’s individual characteristics like lifestyle, profession or hobbies. Loss of capacity for work and loss of income are not accounted when establishing permanent disability. The grade of a permanent disability established by expert medical assessment is not binding for If in establishing the permanent disability.
    3. The presence and extent of the permanent disability is determined based on medical documents. The permanent disability indemnity is paid as a percentage of the sum insured under accident insurance.
    4. If shall not pay permanent disability indemnity:
      • in the case of damage to the Insured’s teeth or prosthetics;
      • if the permanent disability appears later than within one year after the insured event;
      • if the Insured dies as a result of the insured event within one year from the date of the insured event. In such case If pays a death benefit.
  14. Accident insurance exclusions

    1. If shall not pay compensation if the cause of or contributing factor to death or permanent disability was:
      • the Insured’s illness;
      • any medical procedure, including surgery. The exclusion does not apply if the medical procedure was conducted due to an accident that occurred abroad during the validity of the insurance agreement;
      • tick or insect bite or sting;
      • miscarriage or delivery, complications of miscarriage or delivery;
      • accident that happened when the Insured was detained, arrested or imprisoned in an incarceration facility;
      • high-risk activity established in exclusions 7.12 and 7.13.
  15. Liability cover

    1. An insured event covered under liability insurance is an unexpected and sudden event occurring when travelling abroad within the area covered by the insurance, which resulted in direct proprietary damage to the injured party, including damage resulting from causing damage to health or death, for which the Insured is held legally liable.
    2. The injured party is a person to whom the Insured caused direct proprietary damage. The insured person themselves, the Insured’s travel party and family members are not regarded as injured parties. Damage caused to those persons shall not be reimbursed.
    3. If reimburses any direct proprietary damage caused to the injured party as a result of the insured event and legal costs arising from the insured event, that are directly necessary for resolving the proprietary damage claim presented to the Insured.
    4. As an exception to clause 16.2, If shall compensate damage caused due to an insured event to sports equipment, premises, apartment or building belonging to an injured party which was in the possession or use of the Insured.
      Please note! Make sure to read the liability insurance exclusions and general exclusions.
    5. Conduct in the case of liability insurance:
      • If the Insured is presented with a damage claim or circumstances which may constitute a basis for such claim to appear, such as causing damage, If must be contacted immediately in order to proceed according to the instructions received from If.
      • Legal costs must be co-ordinated with If beforehand.
      • In the case that If is of the opinion that it is reasonable to resolve the dispute by means of agreement, the Insured must respond to If’s proposal in 5 days unless If has established a longer period.
      • If the Insured fails to respond to If’s proposal in a timely manner or fails to enter the agreement, If does not reimburse any costs of expert assessments, legal assistance and court expanses, which may be incurred after the term of replying to If’s proposal or entering an agreement has passed.
  16. Third party liability insurance exclusions

    1. Compulsory liability insurance (e.g. motor third party liability insurance). If shall not pay compensation for damage covered by compulsory liability insurance.
    2. Items in the possession or use of the Insured. If does not reimburse damage for the destruction, damaging or loss of an item in the possession or use of the Insured, e.g. use of a rental car (not including the cases specified in clause 15.4.
    3. Revenue or income foregone. If does not reimburse lost income, except for the decrease or loss of income of the injured party in case of causing damage to health or death of the injured party.
    4. Persons to whom damage is not reimbursed. If does not reimburse damage incurred by the Insured themselves, their travel party or family members.
    5. Sanctions. If does not reimburse any fines or other punishments imposed on the Insured.
    6. Infectious diseases, sexually transmitted diseases. If does not reimburse any damage caused by the spreading of infectious diseases and/or sexually transmitted diseases.
    7. Epizootic pathogens, pests. If shall not pay compensation for damage caused by epizootic pathogens or hazardous pests.
    8. Activities not covered by insurance. If does not compensate damage related to the Insured’s:
      • economic or professional activities;
      • fulfilling professional or service assignments; acting as a member of the governing body of a legal person;
      • providing a service for a fee;
      • sports competitions or professional sports;
      • possession or use of any vehicle;
      • possession or use of a building;
      • use of a weapon.
  17. Legal costs

    1. A legal assistance insured event is an unlawful action committed inadvertently outside the home country by the Insured during the trip, as a result of which:
      • a competent authority launched a criminal or misdemeanor proceeding or presented to the Insured a decision for payment of a bond on the basis of law or
      • a third party brought a claim against the Insured on the basis of law.
    2. In the case of a legal assistance insured event, If shall compensate the bond pursuant to the decision of a court of other competent authority as well as reasonable and/or necessary legal assistance costs, considering the circumstances of the event, the size of the claim and the ordinary price of legal service in the country in which the legal service is provided.
    3. If the bond is repaid, the Insured is obliged to repay If for the bond within 10 days of the return of the bond. The insured must notify If immediately of the return of the bond.
    4. When the need for legal assistance arises, it must be reported to If immediately, proceeding according to the instructions provided by If.
      Please note! Make sure to read the general exclusions.
  18. Calls made to If from a foreign country

    1. If reimburses any phone calls made to If or If’s claims administration partners, transport companies, travel agencies, accommodation providers or other travel service providers in relation to the insured event.
      The sum ensured for phone calls is 200 euros for all the calls made during a single trip.
  19. Rental car excess insurance

    1. An insured event covered under rental car excess insurance is the theft, carjacking, destruction or damage to the passenger vehicle (hereinafter: rental car) rented by the policyholder or the Insured, as a result of which the policyholder must pay the excess established in the rental car insurance agreement to the party renting the car. If does not pay the compensation when the rental car was not insured.
    2. Rental car excess insurance also applies when the policyholder or the Insured is not the renting party, but has been included as a driver of the vehicle in the rental agreement.
    3. Rental car excess insurance only applies when all the following conditions have been met:
      • the insured event happened in an area that is covered by the current travel insurance agreement. Rental car excess insurance does not apply when the insured event took place in the home country.
      • the person renting the passenger vehicle is a legal person, whose official area of activity is the short-term rental of vehicles.
    4. The compensation amount is the actual sum in the extent of the excess rate established in the rental car insurance agreement, but not more than a total of 10,000 euros (sum insured under rental car excess insurance).
    5. In order to receive the compensation, the policyholder must present the rental agreement along with the insurance agreement and loss claim. If has the right to request additional certificates and explanations.
    6. When leaving their rental car, the driver must close all windows and the roof hatch, lock all doors, remove all keys, remote control devices and documents and deploy anti-theft equipment.

    Please note! Make sure to read the rental car excess insurance exclusions and general exclusions!

  20. Rental car excess insurance exclusions.

    1. If does not pay compensation when an insured event was caused by the driver of a rental car:
      • who was not legally allowed to drive in the country of the insured event;
      • whose breath or blood alcohol content was above the permitted limit in the country of the insured event;
      • who consumed an intoxicating substance after the traffic accident and before the state of intoxication was verified by the police or a medical facility or who declined establishing the state of intoxication.
    2. If does not pay compensation when the vehicle was used in violation of the terms and conditions of the rental agreement, including when the vehicle was driven by the person not permitted to do so under the rental agreement.
    3. If does not pay compensation when the insured event took place when using the vehicle in a competition or race, also when practising for a competition or race, regardless of whether it was legally arranged.
  21. General exclusions

    • General exclusions are applied to all insured events.
    • If shall not pay compensation in the absence of an insured event.
    • If shall not pay compensation when the event that caused the damage is foreseeable.
    • If does not compensate any damage or costs that are not in compliance with the characteristics of compensated damage or costs.
    • If does not compensate any costs the Insured would have incurred regardless of the insured event.
    1. Moral damage. If does not reimburse moral, i.e. non-material damage.
    2. Foreseeable event. If does not provide compensation if the damage was caused by circumstances that were known or foreseeable to the policyholder or the Insured before the beginning of the trip.
    3. Event that occurred in the home country. If shall not pay compensation when the event that caused damage occurred in the home country. This exclusion is not applied to travel disruption insurance in cases specified in the terms and conditions of insurance.
    4. Conduct of the policyholder and the Insured. If shall not pay compensation when:
      • the Insured caused the insured event either intentionally or due to gross negligence;
      • the Insured caused the insured event when driving a vehicle they were not legally allowed to drive;
      • the damage was caused or partially caused by an act committed by the Insured that has traits of intentionally committed criminal offence;
      • the policyholder or the Insured presented inaccurate information to If.
    5. Intoxication. If shall not pay compensation if the insured event or damage was caused or partially caused by the Insured being intoxicated (including alcohol, illegal drugs) or residual effects thereof.
    6. Searching for the Insured. If does not cover the costs of searching for the Insured.
    7. Damage reimbursed by another person:
      • If does not compensate damage paid under the motor third party liability insurance legislation of the home country or a foreign country.
      • If does not compensate damage if the health insurance fund, insurance provider, transport company, travel service provider or another person has already covered the costs or made a decision on covering the costs.
    8. Strike, disruption of work (lockout). If shall not pay compensation if the damage was caused by a strike or disruption of work (lockout) that the Insured was knowledgeable of before the start of the trip.
    9. Bankruptcy, insolvency. If shall not pay compensation if the damage was caused by the bankruptcy or insolvency of a service provider involved in the trip.
    10. Natural disaster. If shall not pay compensation if the damage was caused by an earthquake, landslide, avalanche, flood, forest fire, hurricane, tornado, volcano eruption, tsunami, except for travel disruption compensation due to the evacuation curtailing the trip. The said exclusion is also not applied to medical insurance if the insured event occurred within 14 days of the beginning of the natural disaster and the Insured had already started their trip before the occurrence of the natural disaster.
    11. Pandemic, epidemic, infection control measures. If shall not compensate damage caused by a pandemic, epidemic, or infection control measures implemented by the state, except for travel interruption compensation due to the evacuation curtailing the trip.

    The said exclusion is also not applied to medical insurance if the insured event occurred within 14 days of the beginning of the pandemic or epidemic or implementation of the infection control measures and the Insured had already started their trip before the start of the aforementioned event.

    1. War, armed conflict, insurgency, mass unrest. If shall not pay compensation if the damage was caused by war or armed conflict, insurgency, revolution or mass unrest, except for travel disruption compensation due to the evacuation curtailing the trip. If the Insured does not participate in the said activities and arrived to the respective area before the start of the danger situation, their medical insurance is still valid for 14 days from the start of the dangerous situation. In the case of war between the permanent members of the United Nations (UN) Security Council, the war exclusion is applied immediately at the start of the war and the 14-day insurance cover does not apply.
    2. Terrorism. Terrorism is regarded to be any act, including the use of violence, which was,
      • committed by a person or a group of persons acting independently or in relation to an organisation and
      • politically, religiously or ideologically motivated, including influencing the government or creating fear in the public for political, religious or ideological reasons.
    3. If shall not pay compensation for damage caused by terrorism, except due to evacuation curtailing the trip. The said exclusion is also not applied to medical insurance if the insured event occurred within 14 days of the terrorist act and the Insured had already started their trip before the terrorist act.
    4. If does not compensate damage caused by measures taken to avoid a terrorist attack (including stopping transportation, additional inspections, limitations on the transport of items).
    5. Limitations arising from international sanctions. All risks, the insurance of which is non-compliant with, or becomes non-compliant with restrictions, prohibitions or sanctions imposed by the UN, the European Union, the United Kingdom of Great Britain and Northern Ireland or the United States of America are excluded from the insurance cover starting from the date when the said restrictions, prohibitions or sanctions are applied in relation to the said agreement.
    6. If any sanctions imposed by the UN, the European Union, the United Kingdom of Great Britain and Northern Ireland or the United States of America either directly or indirectly prevent the insurance service from being provided based on the respective contract, If shall be entitled to cancel the contract by sending a written notice of it to the Policyholder. The agreement is regarded to be cancelled 14 days from the date the cancellation notice was received by the Insured. In the case of disruption in communication the cancellation notice is regarded to be delivered upon sending out the notice or the attempt to send out the notice. The Policyholder shall notify the Cardholders of the cancellation of the Insurance Agreement within 5 working days as of receiving the Insurer’s notice.
    7. Other exclusions. If shall not pay compensation if:
      • the insured event was caused by a nuclear weapon, nuclear energy or radiation;
      • the damage was caused by the activities of the police, border guard, customs workers or other public authorities;
      • the damage was caused by the seizure, detention, confiscation or expropriation of property.
  22. General guidelines in the case of an insured event

    1. The insured event must be reported to If as soon as possible. If will provide detailed instructions for further conduct.
    2. The insured person must do everything in their capacity to prevent the damage from increasing, for example visit a doctor in the case of illness, notify the aviation company immediately of lost luggage, etc.
    3. The insured person must first apply for compensation or refund of the prepayment from the travel service provider, e.g. the aviation company, accommodation provider, etc.
    4. In the case of a loss event, If must be provided with accurate and complete information about the circumstances of the loss event, the potential size of the loss and persons responsible.
    5. In the case of a loss event, documents and written explanations must be presented to If and questions must be answered. When copies of documents were presented to If, If has the right to request the original documents.
    6. If has the right to receive documents and information related to the loss event from third persons.
    7. Upon the request of If, the evidence must be presented on the Insured’s start and end of the trip, the time spent in transit locations and the itinerary.
    8. Please also read the instructions of conduct under the types of insurance cover. For more information call If’s insurance line on 777 1211.
  23. Sum insured

    1. If shall not pay more compensation for all the insured events during a single trip than the sum insured stated in the current terms and conditions of insurance. The indemnity limits established in the terms and conditions of insurance are also applicable.
    2. The sums insured and indemnity limits are applied to each insured person separately.
  24. sIndemnity limitss

    1. If indemnity limits are established in the terms and conditions of insurance for certain events or expenses, If will pay compensation up to the indemnity limit..
    2. Indemnity limits are included in the respective sum insured. Indemnity limits are not added to the sum insured.
  25. Insurance indemnity

    1. In order to receive the insurance indemnity, If must be presented with information on the insured event and the expenses.
    2. If establishes whether it constitutes an insured event and to what extent they are obliged to reimburse the damage.
    3. The right to receive the insurance indemnity is held by the Insured or a company providing a service to them, e.g. travel agencies, medical facilities, etc.
    4. If the compensation depends on the circumstances established in judicial or pre-judicial proceedings, If has the right to make the decision on the compensation or their refusal after the proceedings have been suspended or finished.
  26. Violation of the insurance agreement

    1. In the case of a delay in the compensation on behalf of If, If will pay a late fee according to the Law of Obligations Act.
    2. If the Insured or the policyholder has violated the insurance agreement, including the precautionary measures, If has the right to reduce the indemnity or to refuse to pay the indemnity, unless otherwise provided in the Law of Obligations Act.
    3. If has the right to reclaim the indemnity in full or in part if If became knowledgeable of the violation of the insurance agreement only after paying the compensation.
    4. If the Insured has not fulfilled the requirements of the insurance agreement, it is regarded as a violation of the insurance agreement.
  27. Sending notifications

    1. If forwards any notifications related to the insurance agreement by e-mail, post or SMS message.
    2. If shall regard an e-mail as sent by the person from whose e-mail address the letter was sent if the address appears in the documents related to the insurance agreement or on the person’s website or has been published in any other manner.
  28. If’s obligation to notify the policyholder

    1. In the case of any changes in If’s name or legal form, address or insurance supervision address, If notifies the policyholder of this on the website of If or in the mass media.
  29. Resolution of disputes and applicable law

    1. In the case of disputes, the Estonian version of the insurance agreement will be taken as the basis.
    2. If wishes to mainly resolve insurance disputes by means of negotiations. When an agreement is not reached, the dispute is resolved in court or in an insurance conciliation body. The insurance conciliation body can be addressed through the Estonian Insurance Association (www.eksl.ee, Mustamäe tee 46, Tallinn 10621). If must take part in the conciliation proceedings. The conciliation proceeding is free of charge. Before approaching the insurance conciliation body, a claim must be presented to If.
    3. Complaints regarding the conduct of If can be filed to the Estonian Financial Supervision Authority, www.fi.ee, Sakala 4, Tallinn 15030.
    4. Estonian legislation shall be applied to this insurance agreement. Any disputes arising from the insurance agreement are under the jurisdiction of Harju County Court.