Travel insurance

Why choose Elama travel insurance?

If you are travelling to a third country (Ukraine, Belarus, Russia, etc.) and you need to present suitable travel insurance, Elama travel insurance is an easy and affordable solution.

The indemnity is payable in the event of unavoidable medical treatment (including sudden illness, exacerbation of a chronic illness, accident), treatment of acute toothache and pregnancy with complications, unavoidable medical transport, funeral or repatriation, accompaniment of the injured person, as well as loss or theft of a passport.

Choose Flex if you value flexibility (indemnity of up to EUR 30,000) or Max if you want maximum protection (indemnity of up to EUR 50,000).

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Type of trip

Ordinary

Transit

Region

Form of travel

One time

Multiple visits

Double entry

Number of times

Days insured 1 x 6

Period - days

Travel days count

Number of travellers per age group

0-7

8-17

18-64

65-74

75-79

80+

Choose package

Travel Flex

EUR

Coverage 30 000 €

Inevitable medical treatment 30 000 €
(unexpected illness, exacerbation of chronic illness, accident)

Includes:
• inevitable cost of medical transportation (1000 €)
• funeral or repatriation expenses (1100 €)
• expenses of insured’s companion (1100 €)
• loss or theft of passport (100 €)
• treatment of acute pulpitis (50 €)
• treatment of pregnancy complications (1050 €)

Coverage 10 000 €

Inevitable medical treatment 10 000 €
(unexpected illness, exacerbation of chronic illness, accident)

Includes:
• inevitable cost of medical transportation (1000 €)
• funeral or repatriation expenses (1100 €)
• expenses of insured’s companion (1100 €)
• loss or theft of passport (100 €)
• treatment of acute pulpitis (50 €)
• treatment of pregnancy complications (1050 €)

Coverage 30 000 €

Selected

Select

Travel Max

EUR

Coverage 50 000 €

Inevitable medical treatment 50 000 €
(unexpected illness, exacerbation of chronic illness, accident)

Includes:
• inevitable cost of medical transportation (1300 €)
• funeral or repatriation expenses (1600 €)
• expenses of insured’s companion (2000 €)
• loss or theft of passport (180 €)
• treatment of acute pulpitis (100 €)
• treatment of pregnancy complications (1900 €)

Coverage 50 000€

Coverage 50 000 €

Selected

Select

Insured’s data

Personal code*	First name and surname*	Phone number*	Insured person is the policyholder

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Policyholder’s data

First name and surname / Company name*

Phone number*

Address

Verify e-mail address*

E-mail*

I have read and agree to terms, pre-contract information, and information document. Information provided is correct. I agree to processing my personal data.

Policy price is EUR.

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A much better experience

Flexible

Decide for yourself what you need or get the maximum range of protection.

Plain and simple

Confidence with a few clicks of a button and clear conditions.

Fast

We act fast and keep you up to date with everything.

Useful information

For the successful operation of insurance, it is important to understand its scope and limitations.

How can I calculate the value of my home contents?

When estimating the value of your home contents, consider how much it would cost to replace all the belongings in your home with equivalent items at today’s prices. This may include furniture, household appliances, electronics, clothing, sports and hobby equipment, children’s items and other valuable belongings.

For an easier estimate, use the Elama Home Contents Calculator, which helps you assess the approximate total value of your belongings room by room.

Calculate the value of your home contents

Do I have to pay the deductible for every incident?

We do not apply a deductible:

If the damage was caused by a third party (not you or a family member).

If you use the Elama Home Assistance service.
In the event of a large-scale fire.
When we compensate for housing expenses, lost rental income, or tenant accommodation costs.
If an external door or window glass breaks.

If you have been claim-free for at least two years, we reduce the deductible by half.

Is my property protected outside the home?

Yes, the insurance covers property at home, on the balcony, in the yard, in storage rooms, and worldwide.

Bicycles and other items must be properly locked.
Furniture, trampolines, grills, and robotic lawnmowers that are permanently stored in the yard or on the terrace are insured 24/7.

What to do if damage occurs at home?

If an unexpected insurance event happens in your home, follow these steps:

Prevent further damage – if possible, reduce the extent of the damage (e.g., stop a water leak, cover a broken window, turn off damaged electrical appliances). Need urgent help? Elama Home Assistance is available 24/7!
Notify the relevant authorities – if there is theft, vandalism, or another crime, inform the police. In case of fire, flooding, or any major accident, call emergency services.
Document the damage – take photos and/or videos of the damage and keep as much evidence as possible (e.g., damaged items, receipts, witness statements).
Inform the insurance company – report the claim to us as soon as possible:
- Phone: +372 6 410 436
- Email: kahjud@elama.ee
- Online claim submission: h ttps://elama.ee/kahjukasitlus/
Follow instructions – after submitting the claim, we will provide you with detailed guidance on the next steps. If necessary, we will arrange damage assessment and assist in finding a quick resolution.

What are my responsibilities as a policyholder?

Check that the information in your insurance contract is correct and notify us of any changes.
Take good care of your property and follow the safety requirements set by law, insurance terms, and manufacturer instructions.
The obligations arising from the insurance contract must be followed by all individuals using or managing the insured item.
If you suspect theft or any other crime, report it to the police.
In case of fire or explosion, notify the emergency services.
Report an insurance claim as soon as possible by calling +372 6 410 436, visiting our website, or emailing kahjud@elama.ee. Provide all necessary details and allow us to review them.

Who is covered?

The protection for home belongings, card fraud insurance, and liability insurance also applies to your family members.
Family members include your spouse or partner living with you, as well as your children, parents, and dependents residing with you.

Who can enter into a home insurance contract?

Anyone who wants to protect their home and property from unexpected events can enter into a home insurance contract.

Is Motor Own Damage Insurance mandatory?

No, Motor Own Damage Insurance is voluntary and provides financial security regardless of who is responsible for the damage.

Whom is travel insurance for?

Travel insurance is primarily intended for people traveling with an e-visa who need to provide suitable travel insurance in third countries (Ukraine, Belarus, Russia, etc.). It is a simple and affordable insurance solution that helps in case of illness or accidents.

Where does the insurance cover apply?

Insurance coverage is valid in the territory specified in the policy. It is possible to choose between Ukraine, Belarus, Russia and Europe (excluding Turkey). In different territories, the insurance risk may differ and, as a result, the insurance premium may also be different.

What does travel insurance cover?

If you fall ill or have an accident while traveling, we will reimburse you for unavoidable medical care. Travel insurance compensates, among other things, the costs related to sudden illness, exacerbation of a chronic disease or an accident, as well as the treatment of acute tooth infection and pregnancy with complications, unavoidable medical transport, funeral or repatriation, and the costs of accompanying the injured party. We also reimburse the costs of replacing a single travel document that is stolen or lost.

What is compensated in case of illness?

Illness is defined as an unexpected health disorder, the primary symptoms of which appear while traveling and which requires unavoidable medical attention. Under the insurance, we cover the reasonable and unavoidable expenses incurred for the treatment. In the event of the death of the insured person, we will also compensate the funeral costs or the costs of transporting the ashes to Estonia in the extent of the sum insured.

What is compensated in the event of an accident?

An accident is considered an unexpected event independent of the insured person’s will and caused by external influences (bodily injury, heat stroke, freezing, poisoning caused by gas or other substances accidentally entering the body), as a result of which the person’s physical condition deteriorates sharply. In this case, we reimburse the reasonable and unavoidable expenses incurred to ensure the treatment. In the event of the death of the insured person, we will also compensate the funeral costs or the costs of transporting the ashes to Estonia in the extent of the sum insured.

Who can buy insurance?

Any person who is interested in buying insurance can be a policyholder. Estonian citizens under the age of 80, with whom the insurance risk is related, can be insured under an insurance contract.

How is the insurance premium calculated?

The amount of the insurance premium depends on several factors that affect the insured risk. For example, it may depend on whether it is a one-time or repeated trip, what is the insurance area or insurance period, as well as the age of the insured person and the extent of protection.

What to do if you get sick or have an accident while travelling?

Consult a doctor as soon as possible and be sure to ask for a medical history with the diagnosis and prescribed treatment. Keep all expense documents to submit to the insurance later. Report the incident to us on the website or by calling +372 641 0436 24/7.

How can you terminate the insurance contract?

By agreement of the parties, the insurance contract can be terminated at any time before the end of the insurance period. To do so, send an application to the e-mail address elama@elama.ee. Be sure to add the name and current account number of the recipient of the already paid insurance premium. If you do not indicate the end date of the insurance contract on the application, we will terminate the contract the day after receiving your application. The insurance contract cannot be terminated retroactively.

Whom is health insurance for?

Health insurance is primarily intended for foreigners who are staying in Estonia on the basis of a visa or without a visa, or who are applying for a temporary residence permit and need health insurance required by law. It is a simple and affordable insurance solution that helps in case of illness or accidents.

Where and for how long is the insurance coverage valid?

The insurance cover is valid in the territory of Estonia during the period specified in the policy.

What does the foreigner’s health insurance cover?

If you fall ill or have an accident while in Estonia, we will compensate you for unavoidable medical care. Health insurance compensates, among other things, the costs related to an unexpected illness, exacerbation of a chronic disease, or an accident, as well as the costs of inpatient and outpatient medical care, unavoidable medical transport and repartition. We also reimburse expenses for necessary medications prescribed by a doctor in the extent of the sum insured.

What is compensated in case of illness?

Illness is an unexpected health disorder, the primary symptoms of which appear while being in Estonia during the policy validity period and which require unavoidable medical attention. Under this insurance, we cover expenses incurred for medical services and medical transport which are necessary in the event of a sudden deterioration in the state of health, the absence of which endangers the life of the insured person, causes serious disturbances in the functioning of the body, or malfunctions of some organs.

What is compensated in the event of an accident?

An accident is considered an unexpected event independent of the insured person’s will and caused by external influences (bodily injury, heat stroke, freezing, poisoning caused by gas or other substances accidentally entering the body), as a result of which the person’s physical condition deteriorates sharply. In this case, we reimburse the reasonable and unavoidable expenses incurred to ensure treatment. In the event of the death of the insured person, we will also compensate the costs of cremating the body in the extent of the sum insured.

Is a deductible applied in the event of damages?

Yes, a deductible is applied in the event of damage. In case of the Flex package, it is EUR 50, and in case of the Max package, it is 5% of the damage.

Who can buy insurance?

Any person who is interested in buying insurance can be a policyholder. The insurance contract can be used to insure persons who stay in Estonia on the basis of a residence permit or visa and whose permanent residence is outside the Republic of Estonia and the European Union.

How is the insurance premium calculated?

What to do if you get sick or have an accident while travelling?

How can you terminate the insurance contract?

What to do if you have sold the vehicle?

In the event of a change of ownership, be sure to notify your insurance company. You will be refunded the part paid for the unused insurance cover calculated based on the number of days.

Steps to take when transferring cargo

– Make sure that all documents accompanying the goods, such as delivery notes and invoices, are present and correct.

– Check the external condition of the cargo and packaging and ensure that it is ready for safe transport.

– Make sure the goods are properly secured and securely placed.

– Check if there are special requirements for the cargo or transport, such as temperature control.

– Check the condition of the cargo compartment seals. In the case of transports with temperature control, make sure that the cargo space is clean, dry, free of extraneous odours, and at the required temperature.

– If the carrier discovers defects while checking the goods, they must be noted in writing on the CMR consignment note or in the goods documents. If possible, photograph the defects.

– Please follow the shipper’s shipping instructions.

– Do not leave the cargo unattended! Know that sleeping in the cabin does not count as guarding the cargo. Park the vehicle in a guarded car park for the resting period.

Freight Agent’s Third Party Liability insurance – for whom and what does it cover?

Freight Agent’s Third Party Liability insurance is for forwarding companies and covers damage caused by negligence in the fulfilment of a forwarding contract.

What else should you know about cargo insurance and carrier liability insurance?

Cargo insurance vs. carrier’s liability insurance: Cargo insurance protects the owner of the cargo at all stages of cargo transportation, not just within the carrier’s liability. Carrier liability insurance (CMR insurance) covers the carrier’s liability in cases where the carrier’s action or inaction has caused damage to the customer. Cargo insurance, on the other hand, insures the goods themselves according to ICC conditions and without the usual limit (8.33 SDR or 10 euros per kilogram).

Carrier’s liability: Carrier’s liability insurance applies only to transports carried out with the trucks specified in the insurance contract. The insurance does not cover damage caused to a tractor, trailer, container owner or the carrier’s employees, as well as damage caused by force majeure, unless a special agreement has been concluded.

Adherence to the insurance payment deadline: If the insurance payment has not been paid by the agreed time, it is considered that the policyholder has withdrawn from the contract and the insurer is not obliged to compensate for the incurred losses.

Early termination of the contract: If you wish to terminate the insurance contract prematurely, please notify us at least one month in advance via the contact form.

Is MTPL mandatory?

Yes, according to the Motor Insurance Act, motor third party liability insurance is mandatory for all vehicles that have been registered in the motor register.

Where is motor third party liability insurance valid?

Motor third party liability insurance is valid in Estonia, the European Economic Area, and Switzerland. If you have a green card, the protection also extends to other countries marked on the map.

What to do if the area of application of the vehicle or its owner changes?

If the area of application or ownership of the vehicle changes, notify the insurer. Be sure to do this, for example, if you start using the car to provide a taxi service.

Can the insurance be renewed automatically?

Yes, select automatic renewal when you conclude the insurance, the insurance coverage will then continue without interruption. If you wish, you can conclude a new policy at the end of the contract.

What to do if you have sold the vehicle?

At the moment that the vehicle is sold and a change of ownership entry is made in the traffic register, the motor third party liability insurance contract is transferred to the new owner or responsible user. This means that the previous policyholder no longer has contractual rights or obligations.

How to check if you have a valid motor third party liability insurance contract?

You can check the status of a valid motor third party liability insurance HERE

What to do in case of an insured event?

Safety: ensure the safety of people and notify the Rescue Board in case of injuries.

Documentation: photograph the circumstances of the accident and the position of the vehicles.

Notifying the insurance company: Contact your insurance provider as soon as possible to report the loss event. In the case of a motor third party liability incident, you can also do this on the website avarii.ee.

How is the insurance premium calculated?

Several factors are taken into account when insurance premium is calculated, including the following:

Area and field of use: Whether the vehicle is used only for daily trips or also for special services (taxi, courier services).

Insurance history: previous insured years and insured events.

Vehicle parameters: vehicle type, age and other technical characteristics.

Do I have to keep the insurance policy in the vehicle?

In Estonia, it is not mandatory to physically carry the insurance policy with you. It is enough if it is available digitally, for example on the phone. However, if you are traveling to green card countries, you must have a physical green card with you. See list of green card countries.

Road Carrier’s Third Party Liability insurance – for whom and what does it cover?

Road Carrier’s Third Party Liability insurance is intended for companies performing road transport and guarantees liability in accordance with the CMR convention. The insurance covers damage caused by the carrier’s actions or omissions.

Freight Agent’s Third Party Liability insurance – for whom and what does it cover?

Freight Agent’s Third Party Liability insurance is for forwarding companies and covers damage caused by negligence in the fulfilment of a forwarding contract.

Insurance validity

The insurance applies only to the trucks specified in the insurance contract. It does not cover damage to the tractor, trailer, container owner, employee or force majeure.

Liability regulation

The responsibility of the forwarder is determined by the general terms and conditions of ELEA and the Law of Obligations Act, the responsibility of the carrier by the CMR Convention and the Law of Obligations Act.

Insurance premium

If the insurance premium is not paid in time, the insurer has no obligation to pay out the indemnity.

Termination of the contract

For early termination of the contract, notify us in writing at least one month in advance.

What to do in case of an insured event?

Safety: ensure the safety of people and notify the emergency services in case of injuries.

Traffic accident: register the event according to the legislation. If the parties cannot agree on the liability or if the party causing the accident is unknown, call the police.

Fire: inform the Rescue Board immediately.

Theft and vandalism: inform the emergency services.

Gathering evidence: photograph the circumstances of the accident as thoroughly as possible.

Minimising the damage: do everything you can to prevent the damage from getting worse – cover any broken windows and move the immobile car to a safe location.

Collision with an animal: notify the Environmental Board at number 1247.

Notify the insurance provider: report the insured event as soon as possible.

Motor Own Damage Insurancee event: report incident here .

Can Motor Own Damage Insurance be taken out for all vehicles?

How is the deductible formed?

The deductible is the amount agreed upon in the insurance contract which the policyholder pays themselves in case of an insured event. It is stated as a fixed amount in the policy.

Changes in deductible

From the third loss-free year, the deductible is reduced by 50%.
More than two loss eventsin one period result in a double deductible, unless the damage was caused by a third party.

Special cases and exceptions: The deductible is not applied to roadside assistance, replacement car, key insurance, glass repairs, and passenger accident insurance.

Losses related to animals: in the event of a collision with an animal or bird, the deductible specified in the policy applies, while in the event of damage resulting from avoidance, the basic deductible applies.

What is the insurance territory of Motor Own Damage Insurance?

Motor Own Damage Insurance is valid in the territory indicated in the policy – in Estonia and Europe, excluding Armenia, Azerbaijan, Georgia, Kazakhstan, Moldova, Ukraine, Belarus, and Russia.

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