Yes, Travel insurance for Estonia is mandatory if you are applying for an Estonia visa and the policy must meet the Estonia visa travel insurance requirements, including a minimum of €30,000 in medical coverage (approx. $50,000) for emergency medical expenses, hospitalization, and medical evacuation. If you do not need a visa then travel insurance is optional yet it is still highly recommended due to potential high medical costs for foreigners.
Do I Need to Apply for Estonia Schengen Visa?
Before traveling to Estonia, it is necessary to buy Schengen visa travel insurance to meet the Estonia visa requirements. You need to apply for an Estonia Schengen visa:
If you are not a citizen of the European Union (EU), European Economic Area (EEA), or Switzerland
If you plan to stay in Estonia for up to 90 days within a 180-day period for tourism, business, or visiting family.
⚠️ Exceptions: Some non-EU countries have visa waiver agreements with the Schengen Zone, meaning their citizens can enter Estonia without a visa for short stays (usually up to 90 days).
On American Visitor Insurance, you can easily buy Estonia visa medical insurance online to get the visa letter to submit to the Estonia consulate for your visa application. Once your Estonia travel insurance is purchased, you will receive the insurance details with the toll-free number, a virtual ID card, and the Estonia visa insurance letter for your visa application, which serves as proof of coverage.
How Do I Apply for an Estonia Schengen Visa?
To apply for a Schengen Visa to Estonia, follow these steps:
Choose the correct visa based on your travel purpose (tourism, business, etc.)
Fill out the Schengen visa application form.
Gather required documents, including valid passport, travel insurance, proof of accommodation and financial means, flight reservation.
Book an appointment with the Estonia consulate or visa center.
Submit your application, biometric data, and documents at the consulate.
Pay the visa application fee.
Processing usually takes around 15 days.
Pick up your approved visa from the consulate.
How Do I Get the Right Insurance for the Estonia Schengen Visa?
At American Visitor Insurance, finding the best Estonia Schengen visa insurance is quick and easy.
Compare top plans instantly using our online quote engine.
Schengen visa letter included – download it within minutes of purchase to show proof of coverage for your visa application.
Flexible policies – change your dates, push back travel, or cancel before the policy start date for a full refund.
For senior travelers
If both travelers are over 70, you can still be quoted together on American Visitor Insurance (though some insurers require separate applications – total cost remains the same).
What Are the Estonia Travel Insurance Requirements?
Travelers who need an Estonia visa should buy travel insurance satisfying Estonia visa requirements:
💡 Tip: Always carry a digital and printed copy of your policy, as you may be asked for proof at border checks or during visa processing.
❓ What Travel Insurance Mistakes Should You Avoid When Applying for an Estonia Schengen Visa?
Avoid these common errors that lead to Schengen visa rejections:
Coverage Below €30,000
Schengen rules require minimum €30,000 medical coverage (approx. $50,000) (this includes emergency medical treatment & repatriation).
Travel insurance for Europe policies with lower coverage than this €30,000 are automatically rejected.
Not Covering All Schengen Countries
The travel insurance must be valid in all 29 Schengen states.
Some travelers buy country-specific insurance (e.g., only for Germany), which is not accepted in the Schengen states consulates.
Traveler insurance Not Covering Entire Stay
The Europe travel insurance policy must match the correct entry and exit dates.
If your travel insurance for Europe ends even 1 day earlier than your return ticket, your Schengen visa application can be refused.
Buying Non-Schengen Compliant Plans
Some cheap travel for Europe plans exclude repatriation (return of remains in case of death) or exclude pre-existing emergency treatment.
Schengen visa officers check for these exclusions carefully.
Unrecognized / Non-Approved Insurance Providers
Consulates prefer international insurance companies that are well recognized in the Schengen region.
Unfamiliar or unapproved providers may cause rejection.
Submitting Fake or Cancelled Policies
Some travelers submit “dummy” insurance and cancel it after printing.
Consulates cross-check this data, and if invalid, the visa is denied and can even lead to a travel ban.
Mismatch Between Travel Dates & Insurance Dates
Even a 1–2 day mismatch between flight booking and travel insurance validity can lead to rejection.
It is recommended to add a buffer day before arrival and after departure.
Not Carrying Proof of Travel Insurance
Sometimes applicants forget to attach the Schengen visa compliant Travel insurance certificate with the application.
Only payment receipt is not enough—you need the official Schengen visa travel insurance confirmation letter.
Which Is the Cheapest Estonia Schengen Visa Travel Insurance?
The cheapest travel insurance for Estonia is Atlas International Insurance plan, starting at just $1 for a day. Estonia visa travel insurance cost depends on factors, such as the provider, the length of stay, the applicant's age, and the level of coverage required. It is advisable to compare the benefits of cheapest Schengen travel insurance before buying a plan that meets Schengen consulate requirements.
Which Are the Best Travel Insurance Plans for Estonia Visa?
* The price shown is for a 7-day trip with a $50,000 maximum coverage and a $0 deductible for a 30-year-old traveler.
How Much Does Estonia Schengen Travel Insurance Cost?
Europe Schengen travel insurance Cost in 2025
Schengen insurance cost ranges between $8 to $15 per week for a 25-year-old traveler with a $50,000 medical maximum and $0 deductible. All the insurance plans listed below
Meet Schengen visa requirements
Are accepted by Schengen embassies/consulates worldwide
Include a downloadable visa letter immediately after purchase
The policy maximum options available with this plan are $50K to $2M for people up to the age of 65 For people in the age range of 65 to 79, the options are $50K and $100K and for people above 80 the only option is $10K.
Plan pays Coinsurance 100% after the deductible up to the overall limit.
Atlas International Insurance satisfies Schengen visa requirements and offers comprehensive Europe medical insurance for travelers.
Covers acute onset of pre-existing condition covers up to overall maximum limit, under age 80.(excludes chronic and congenital conditions)
The policy has a medical maximum options available $50k, $100k, $500k and $1M for ages 14 days to 69 years.
The length of coverage is 5 days to 364 days.
Travel Medical Global Choice satisfies Schengen visa insurance requirements.
For the acute onset of pre-existing condition coverage for age range of 14 days to 69 years, $50k coverage is available and for age range of 70 to 79 years, $5k coverage is available .
How do I get a certificate showing I have travel insurance when applying for a Schengen Visa?
To get a certificate showing you have travel insurance when applying for a Schengen Visa, follow these steps:
Choose a Travel Insurance Provider: Select a travel insurance policy on American Visitor Insurance that meets the Schengen visa requirements (coverage of at least €30,000 for medical emergencies, including repatriation).
Buy the Insurance: Buy the policy on American Visitors Insurance online which provides Schengen-compliant travel insurance.
Receive the Certificate: After purchasing, you will receive a travel insurance certificate, which includes details like the policy number, coverage dates, and coverage amounts.
Download or Request the Certificate: You can download the certificate from the insurance provider. Ensure the certificate is issued in English or the official language of the country you’re applying to, and that it clearly meets the Estonia visa travel insurance requirements.
What Does Schengen Visa Travel Insurance for Estonia Cover?
Satisfies Visa requirements: Schengen visa insurance satisfies consulate requirements.
Medical evacuation: Emergency medical evacuation expenses to nearest available facility if needed.
Health care expenses: Covers emergency medical expenses for accidental injury or illness.
Repat of remains: Offers coverage for repatriation of remains expenses to home country in case of death.
Pre-existing conditions: Travel insurance offers coverage for acute onset of pre-existing conditions.
What Is the Best Travel Insurance for Seniors Vacationing in Estonia?
The best travel insurance for seniors vacationing in Estonia depends on age and visa requirements. At American Visitor Insurance, you can compare top-rated Schengen visa plans designed specifically for older travelers.
Best choice for US seniors if you need at least $50,000 coverage (required for a Long-Term Europe visa).
All of these plans include a Schengen visa letter, which you can instantly download and print after purchase.
💡 Tip: Prices above are based on a $50,000 policy maximum with $0 deductible to meet Schengen visa requirements. If you don’t need to meet those requirements, you can lower the cost by choosing a higher deductible.
Why Should I Buy Schengen Visa Insurance on American Visitor Insurance?
We serve as a trusted marketplace for Schengen travel insurance with over 20 years of experience, helping you easily compare top-rated plans that meet Schengen visa requirements.
Side-by-Side Plan Comparison: With American Visitor Insurance, you can easily compare Schengen visa travel medical insurance plans, costs and benefits from top insurers - all in one place.
Visa-Compliant & Comprehensive Protection: All plans meet Schengen visa requirements and include coverage for medical emergencies, hospitalization, accidents, repatriation, and unforeseen health issues abroad.
Affordable & Transparent Pricing: Get the best price directly from the insurer — no hidden fees. Receive an instant quote and purchase your policy online quickly and hassle-free.
Expert Support & Assistance: Our licensed customer support team is available 24/7 to
Guide you through plan selection and online applications
Help with policy renewals or extensions
Assist with cancellations if travel plans change
Support filing insurance claims
Peace of Mind While Traveling: Enjoy your trip to the Schengen Area knowing you are protected with trusted insurance coverage.
What Factors Influence the Cost of Best Travel Insurance to Estonia?
The cost of Estonia health insurance for travelers depends on the following:
Age of the traveler: The older the traveler, the more expensive the cost of travel health insurance to Estonia.
The maximum medical coverage selected: The options range from $50,000, up to $1,000,000, the higher the coverage amount, the higher the premium.
The selected deductible: A 'deductible' or ‘excess’ is the amount of the medical costs the customer pays before the insurance plan provides any coverage. Most plans provide several options ranging from $0 to $2500 (travelers over age 60 years may not have the $0 deductible option). The lower the deductible, the higher the premium.
The co-insurance on the plan: 'Co-insurance' is the percentage on medical expenses borne by the customer AFTER the deductible is paid. The cheapest travel health insurance for Estonia visa will have the highest co-insurance.
The Insurance underwriter: There are different underwriters such as AIG, Lloyds, Nationwide, etc. Premium will vary for different underwriter.
Tip: While the cheapest plan may save money upfront, it’s important to balance affordability with adequate protection—especially for medical emergencies abroad.
How Can I Buy the Best Travel Insurance for Estonia?
search Find the Best Plans
Complete the Estonia Schengen visa insurance quote request form by providing details of the traveler and insurance requirements.
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Compare the price and the benefits of the different Estonia visa insurance options to identify what fits your needs best.
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Buy the plan that fits your requirements and budget best by using a credit card and completing the online application.
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Review the insurance documents & download visa letter is required.
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🛫 Short-Stay Visas (Schengen Visas – Up to 90 Days)
1. Type A Visa (Airport Transit Visa):
This allows travelers to transit through the international zone of Estonian airports without entering the country.
Required for travelers from non-Schengen countries who have connecting flights in Estonia.
2. Type A Visa (Airport Transit Visa):
For stays of up to 90 days within a 180-day period.
This is issued as a single-entry, double-entry, or multiple-entry visa.
🏠 Long-Stay Visas (National Visa – Over 90 Days)
1. Type D Visa (Long-Stay Visa)
For stays longer than 90 days in Estonia.
Issued for purposes such as study, work, or family reunification.
This allows the holder to stay in Estonia for the duration specified on the visa.
2. Temporary Residence Permit
Required for stays longer than 90 days in Estonia.
Issued to individuals who have a long-stay visa or are exempt from the visa requirement.
This allows the holder to stay and work in Estonia for a specified period.
3. Permanent Residence Permit
Issued to individuals who have legally resided in Estonia for at least 5 years.
Grants the holder the right to live and work in Estonia permanently.
What Are the Documents Required for Estonia Visa?
Completed and signed application form
Valid Passport
Photographs that are taken recently
Documents of travel itinerary
Confirmation of health insurance coverage for Estonia
Closed round trip ticket
Current bank statement
Estonia visa insurance letter
Schengen Visa Insurance Estonia, Estonia Travel Insurance - FAQs
1. Who must buy travel medical insurance for Estonia visa?
A traveler from any of the Schengen visa required countries visiting Estonia for less than 90 days is required to buy short term travel medical insurance to apply for Estonian visa. It may be individuals, business travelers, family members. For travelers from Schengen visa exempted countries, planning to stay in Estonia for more than 90 days need to buy long term travel medical insurance for Long stay Europe visa.
2. Which insurance provider is best for a Schengen visa to Estonia?
We work with many popular and top rated US insurance providers. These insurance companies offer best travel medical insurance coverage for Schengen visa. These Schengen visa insurance plans satisfy requirements as mandated by the consulate and offer comprehensive travel medical insurance coverage. The top insurance providers that offer popular Schengen visa insurance for Estonia are International Medical Group, Seven Corners, WorldTrips and Trawick International.
3. What is covered under Estonia visa travel insurance?
Best travel medical insurance for Estonia visa covers the cost incurred from
Hospitalization expenses dues of sickness of injuries
Emergency medical evacuation
Repatriation of remains
Trip cancellation or interruption
Flight delay
Baggage delay or loss
Acute onset of pre-existing conditions
Maternity in first 26 weeks
4. How do I get cheap Schengen visa travel insurance for Estonia?
This is surely dependent of the travelers’ requirements. The travel will have to do a research online based on his or her requirements. It is advisable to compare Estonia visa insurance products before buying the cheap travel medical insurance for Estonia visa.
5. Which are the EU countries that are not part of the Schengen region?
The following European countries are not part of the Schengen zone : Albania, Andorra, Armenia, Azerbaijan, Belarus, Bosnia & Herzegovina, Cyprus, Georgia, Ireland, Kosovo, North Macedonia, Moldova, Monaco, Montenegro, Russia, San Marino, Serbia, Turkey, Ukraine, The United Kingdom and the Vatican.
6. What is the difference between European Union (EU) and the Schengen states?
The Schengen region is a travel zone of several European countries where citizens can travel freely within this region without a visa, while the European Union is an economic and political union of several European countries.
7. If my Estonia visa is denied, can I cancel my travel insurance plan?
Yes, you can cancel your travel insurance plan if your Estonia visa is denied. There should be full reimbursement if you cancel before the travel dates.
However, if you cancel after the start date, the premium may be refunded on a prorated basis with a cancellation fee, but only if no claims have been submitted.
It is important to carefully review the terms and conditions of the policy while buying it, and to contact the insurance provider if you have any questions or concerns. If you need to cancel your policy due to a visa denial, you may need to provide proof of your visa denial to the insurance provider.
8. Can I travel to multiple Schengen countries with one Schengen visa?
Yes, the standard Schengen visa allows you to travel between all 29 Schengen member countries as long as you don’t exceed the maximum stay period of the visa.
9. When is the best time to book an appointment for my Schengen visa application?
Earliest You Can Apply
Up to 6 months before your travel date (9 months for seafarers).
This is especially helpful if you’re traveling during busy tourist seasons (summer or Christmas).
Latest You Should Apply
At least 15 calendar days before travel (this is the legal minimum).
But embassies strongly recommend applying 3–4 weeks before travel to avoid last-minute issues.
Ideal Timing
6 weeks to 2 months before travel → This balances processing time, document prep, and appointment availability.
Some consulates (France, Spain, Italy, Germany) have long appointment waiting lists, so booking early is key.
10. How do I know if my travel insurance for Europe will be accepted for a Schengen visa?
The plans available on American Visitor Insurance satisfy Schengen visa requirements. Here’s a simple guide to show you the kind of insurance that gets approved versus the mistakes that often lead to rejections:
Visa-Friendly Insurance
Risky Insurance Choices
Starts on the exact date of departure
Starts after arrival in Schengen
Comes with an official PDF certificate showing policy number & coverage dates
Only a screenshot or incomplete confirmation email
Clearly states “Schengen Area” coverage + repatriation clause
Missing repatriation, hospitalization, or territorial coverage wording
Provides minimum €30,000 ($50,000) medical coverage
Coverage is below €30,000 (or $50,000) or not specified
Certificate available in English
Certificate only in a non-EU language without translation
Always double-check that your Europe travel insurance certificate clearly mentions the Schengen Area, and meets the €30,000 ($50,000) minimum coverage amount, territory (Schengen Area), and dates that match your full trip before submitting your visa application. The Schengen travel plans on American Visitor Insurance satisfy Schengen visa requirements.
Estonia Travel Insurance Reviews
See what travelers are saying about their insurance experience for Estonia. Real reviews from real visitors.
Karen
"I am always appreciating good business conduct and when I am coming back here for the longer time span."
Margaret
"Thank you for your prompt response. Your prompt response will be highly appreciated."
Connie
"Thank you American Visitor Insurance! You went way beyond what I would expect from an insurance company."
Do US Citizens Need ETIAS to Travel to Estonia?
US citizens traveling to Estonia should apply for ETIAS (European Travel Information and Authorization System).
ETIAS is not a visa, but a pre-travel clearance, similar to the US ESTA (Electronic System for Travel Authorization).
It allows short stays of up to 90 days within a 180-day period for tourism, business, or transit.
The application is completed online and is usually approved quickly.
⚠️ Important: While ETIAS itself does not mandate travel insurance, it is strongly recommended to buy travel insurance for Estonia on American Visitor Insurance, as most US health insurance plans do not provide coverage outside USA.
Do US Citizens Need a Visa for Estonia?
US citizens are advised to buy travel insurance Estonia visa even if it is not mandatory for short travel, it is mandatory only for travel of more than 90 days to Estonia and need a travel visa.
Travel insurance with trip cancellation coverage will protect the traveler in the event of trip delay, cancellation of flights, loss of baggage as well as any medical emergency or accident that the US citizen can face while in Estonia.
Some US citizens travel insurance plans also have the option of 'Cancel for Any reason' (CFAR) by providing a refund of up to 75% of the trip cost if one cancels the trip for any reason. Having reliable travel insurance will ensure that the travelers can recoup the trip expenses which can be significant in the case of cruises, airline ticketing and hotel reservations should they face adverse circumstances during travel.
Do US Citizens Need a Long Term Visa to Stay in Estonia?
US citizens who want to stay in any of the 29 Schengen countries for more than 90 days in a 180 day period need a Long Stay Visa. One of the requirements for this visa is proof of medical insurance with medical expenses coverage up to €30,000 (~USD $34,035 as of May 2025) which is valid during the whole stay in the Schengen countries.
The insurance company should provide a visa letter stating coverage amounts for medical expenses, emergency medical evacuation and repatriation while in Europe (or 'unlimited' if there is no limit of coverage).
American Visitors Insurance offer the best Europe long stay travel insurance for US citizens designed by top US insurance providers. International travel insurance plans vary based on the different coverage benefits offered. Travelers can compare coverage benefits and buy the plan that best fits their coverage needs. Get Quote »
Do US Green Card Holders Need Estonia Visa?
Yes, US Green Card holders may need a visa to travel to Estonia, if the country of their passport requires a visa for travel to the Schengen countries. Green Card Holders travel insurance for Estonia is required while applying for an Estonia visa. US Green Card Holders can buy travel insurance to satisfy Estonia visa requirements for their visa application on American Visitor Insurance.
Which Is the Best Estonia Travel Insurance for US Seniors With Medicare?
US senior citizens with Medicare need international travel insurance as Medicare offers limited or no coverage outside USA.
Travelling overseas involves risks especially for older travelers and costs of medical evacuation and health care outside the United States is expensive.
Buying Medicare Supplemental International Travel Insurance coverage for older US travelers is strongly recommended.
🌏 GlobeHopper Travel Insurance for Older US Travelers Visiting Estonia
US citizens should realise that Medicare and its supplements provide very little coverage outside US borders.
There is a travel health insurance plan specifically designed for older American travelers.
Indianapolis based International Medical Group (IMG) offers GlobeHopper Senior an affordable overseas travel medical insurance option for US citizens and US permanent residents 65 years and older.
The GlobeHopper Senior plan is available either as
Provides $1 million coverage up to the age of 79 years
Provides $100,000 coverage for travelers 80 years and older
Includes $2,500 cover for sudden unexpected recurrence of a pre-existing condition
Includes $25,000 coverage for emergency medical evacuation
Travel Health Insurance for Estonia Visa
🗺️ Why Visit Estonia?
Planning a trip to Estonia? Nestled along the Baltic Sea in Northern Europe, Estonia is often called a hidden gem for travelers. With more than 1,500 islands, a long scenic coastline, rocky beaches, lush forests, and peaceful lakes, Estonia is a paradise for nature lovers. The capital city, Tallinn, is especially famous for its UNESCO-recognized medieval old town, where castles, forts, winding alleys, and historic houses create a true fairy-tale atmosphere. Visitors can also explore fascinating traces of the Soviet era, making Estonia a destination full of history and charm.
While exploring new destinations like Estonia is exciting, it’s important for US and international tourists to remember the importance of travel medical insurance. Most domestic health insurance plans, including US Medicare, provide little to no coverage while traveling abroad. That’s where travel health insurance for Estonia visa becomes essential. It acts as a safety shield in case of unexpected medical expenses or logistical emergencies, giving you peace of mind throughout your journey.
At American Visitor Insurance, we offer international travel insurance plans designed by top US insurance providers to meet the needs of global travelers. These plans not only cover you while visiting Estonia and other European countries but also meet Schengen visa requirements if needed. Buying travel insurance for Estonia from us is simple, reliable, and ensures that you’re well protected during your European adventure.
With the right Estonia travel health insurance, you can explore this Baltic treasure worry-free, knowing that you’re covered every step of the way.
General Information About Estonia
location_cityCapital: Tallinn
location_onLocation: Northeastern Europe
euroCurrency: Euro
languageLanguage: Estonian
groupsPopulation: Around 1.4 million
eventBest time to visit: Between June and Sept
mapVacation spots: Ida-Virumaa, Kuressaare, Parnu, Tartu, Old Town, Toompea Hill, Rocca-al-Mare Open Air Museum, Dome Church, Navitrolla Galerii.
What Are the Popular Tourist Destinations in Estonia?
Tallinn
The most popular place to visit in Estonia is Tallinn, the capital and the hub of medieval architecture. The heart of the city is called Toompea, a hill that retains a historic atmosphere.
Lahemaa National Park
One of the most popular national parks in Estonia is Lahemaa. Since it is just an hour’s drive from the capital, it is the ideal day trip. Viru Raba, or Viru Bog, is a must-see part of the park.
Parnu
Where the Parnu River meets the Gulf of Riga, you’ll find the coastal resort city of Parnu. Parnu is known as the summer capital, because it is where so many Estonians choose to take their summer vacations.
International Airports in Estonia
City
Airport Name
IATA Code
Kärdla (Hiiumaa)
Kärdla Airport
KDL
Kuressaare (Saaremaa)
Kuressaare Airport
URE
Pärnu
Pärnu Airport
EPU
Tartu
Tartu Airport
TAY
Tallinn
Tallinn Airport
TLL
Schengen Travel Insurance With 30,000 Euro Coverage
What Does Travel Insurance for Estonia Visa Usually Not Cover?
Travel health insurance for Estonia visa usually provides coverage for injury, sickness and unplanned medical expenses, emergency medical evacuation, and repatriation of remains in case of death. However, there are certain situations and items that are not covered by Estonia Schengen Visa insurance. These include:
1Pre-existing medical conditions Schengen Visa insurance usually excludes or provides limited coverage for any medical conditions that existed prior to the start of the policy. This means that if you have a pre-existing medical condition, any medical treatment related to that condition may not be covered.
2Treatment for chronic illnesses Most Schengen Visa medical insurance plans do not cover ongoing treatment for chronic illnesses, such as diabetes or heart disease. These conditions are generally excluded from coverage, so if you require ongoing treatment for a chronic illness, you may need to look for a specialized insurance policy.
3Non-emergency medical treatment Schengen travel insurance is designed to cover medical emergencies and unexpected illnesses. It typically does not cover preventive care such as routine medical check-ups, vaccinations, or elective treatments.
4Extreme sports and adventure activities Many Schengen Visa health insurance policies exclude coverage for extreme sports and adventure activities, such as bungee jumping, skydiving, or scuba diving. If you plan to participate in these activities during your trip, you may need to buy additional coverage.
5Mental health conditions Schengen visa insurance generally do not cover mental health conditions, such as depression or anxiety. If you require treatment for a mental health condition during your trip, you may need to seek out specialized coverage.
Best US Travel Insurance companies for Schengen Visa insurance
You can find reliable Schengen visa insurance providers like International Medical Group(IMG), Seven Corners, WorldTrips, Trawick International insurance.