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Travel Insurance for Estonia, Estonian visa travel insurance

Procedure to get the Instant Estonia visa letter for application as required by the European consulates

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Estonia visa insurance quote

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Before traveling to Estonia, it is necessary to buy Schengen visa travel insurance to meet the Estonia visa requirements. On American Visitor Insurance, you can easily buy the travel insurance online to get the visa letter to submit to the Estonia consulate for your visa application. Once your travel insurance is purchased, you will receive the insurance details with the toll-free number, a virtual ID card, and the Schengen insurance letter for your visa application, which serves as proof of coverage.

groupAre you traveling as a Group?
You can get cheaper Group Travel Insurance quotes! Contact us for best cost of Estonia travel insurance for groups!

What are the different types of travel insurance for Estonia?

Insure the health of the traveler due to accidental injuries or illness.

  • Estonia travel medical insurance is ideal for travelers who want comprehensive coverage for their medical expenses.
  • It offers coverage for sudden hospitalization, medical expenses due to accidental injuries or illness.
  • It also offers coverage for pre-existing conditions, emergency medical evacuation.
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Insure your vacation expenses along with health of traveler.

  • Travel insurance for Estonia is ideal for travelers who have invested a lot of money on a trip which is planned many months in advance.
  • It offers coverage when a trip is cancelled or interrupted due to unforeseen circumstances will protect travelers against financial losses. It will reimburse non-refundable costs like flights, hotels, cruise or tours bookings.
  • It also offers coverage for emergency medical expenses due to sudden sickness or injuries while on a trip.
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Insurance required while applying for Schengen visa for Estonia.

  • Travel medical insurance for Estonia visa is ideal for travelers applying for visa as it is mandatory to buy a 30,000 Euro medical insurance.
  • It offers coverage for sudden hospitalization, medical expenses due to accidental injuries or illness.
  • It also offers coverage for pre-existing conditions, emergency medical evacuation.
Get quote »

Do I need travel insurance for Estonia?

Travel insurance for Estonia is mandatory if you need a Schengen visa and must meet specific coverage criteria. 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?

Individuals who are not citizens of the European Union (EU), European Economic Area (EEA), or Switzerland and who plan to stay in Estonia for up to 90 days within a 180-day period for tourism, business, or family visits need to apply for Estonia Schengen Visa. This visa allows travel to Estonia and other Schengen Area countries. Exceptions may apply depending on the nationality of the traveler, as some countries have visa exemption agreements with the Schengen Zone.

How do I apply for a 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 Italian 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.

What are the Estonia travel insurance requirements?

According to article 15 of regulation (EC) No 810/2009, of the European Parliament, the travel insurance requirements for the Estonian visa are:

  • Minimum coverage of at least €30,000 in medical expenses (around US $30,950 as of Jan 2025).
  • Validity across all Schengen area member states.
  • Coverage for medical repatriation and emergency medical care.
  • The policy must be valid for the entire duration of your stay.
  • Policy must have a $0 deductible with 100% Coverage.
Medical insurance for Estonia
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Schengen visa insurance letter

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Estonian visa travel documents

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Nationalities who need Estonian visa

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How much does Estonia Schengen travel insurance cost?

Europe Schengen travel insurance Cost in 2025

All the insurance plans listed below meet the Schengen visa requirements and are recognized by Schengen/EU embassies and consulates globally. Additionally, each provider allows you to download your Schengen visa letter on buying the policy. Travel medical insurance plans for Schengen countris can start at just $1 per day.

Insurance Plans Provider Network Cost* How to download Visa letter
Atlas International WorldTrips United Healthcare Provider Network $8 WorldTrips insurance ID cards via Client Zone
Patriot International Lite IMG United Healthcare Provider Network $10 IMG insurance ID cards from My IMG
Atlas Premium International WorldTrips United Healthcare Provider Network $11 WorldTrips insurance ID cards via Client Zone
Safe Travels International Cost Saver Trawick International United Healthcare Provider Network $11 Trawick International insurance ID cards via Client Zone.
Travel Medical Global Choice Seven Corners United Healthcare Provider Network $11 Seven Corners insurance ID cards via Client Zone
Safe Travels International Trawick International United Healthcare Provider Network $15 Trawick international insurance ID cards via Client Zone.

* The average cost of travel insurance for Schengen visa per week for 25 years old traveler.

Which is the cheapest Estonia Schengen visa travel insurance?

The cheapest travel insurance for Estonia cost starts from just $10 for a week. Schengen visa insurance cost depends on factors, such as the provider, the length of stay, the applicant's age, and the level of coverage required.

What is the best travel insurance Estonia visa insurance?

The best Estonia visa travel insurance plans will vary from traveler to traveler depending on their unique needs. While some travelers will look for the cheapest Estonia visa insurance cost specifically to satisfy the visa requirements, others will look for the most comprehensive Estonia travel insurance coverage.

  • Coverage includes Emergency Medical Evacuation, Hospital Room and Board...
  • Policy maximum covers up to 1M
  • Offers coverage for acute onset of pre-existing conditions for visitors aged under 70 years
  • Provides comprehensive medical coverage, emergency evacuation, and repatriation...
  • Policy maximum covers up to 2M
  • Offers coverage for acute onset of pre-existing conditions for visitors aged under 79 years

Safe Travels International
Trawick International

  • Coverage includes travel delay, emergency medical evacuation, repatriation, emergency services...
  • Policy maximum covers up to 1M
  • Unexpected recurrence of a pre-existing condition is covered up to $20k for ages up to 65

Europe Travel Insurance for Senior citizens

Insurance for older travelers for visiting the Schengen countries

What does Schengen visa travel insurance cover?

  • Satisfies Visa requirements: Schengen visa insurance satisfies consulate requirements.
  • Doctor visit: Schengen travel insurance covers Doctor visits in case of sudden injury or sickness.
  • 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.

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Travel insurance for Estonia visa

If you are a non-U.S. citizen or a U.S. Green card holder traveling to Estonia , you may need an Estonia visa that satisfies Estonia travel insurance requirements which are the Schengen visa requirements, depending on your nationality. Do check the specific requirements based on your citizenship. Travelers from the USA visiting Estonia will in any event need to apply for a Schengen visa if their visit is for tourism, business, or family reasons and they plan to stay for up to 90 days. When applying for a visa to Estonia (or any other Schengen Area country), travel insurance is a mandatory requirement. The purpose of this travel insurance for the Estonia visa is to cover unexpected expenses related to medical emergencies, accidents, or trip disruptions during your time in Estonia .

The policy must cover emergency medical expenses of at least €30,000 (around US $50,000). It must include coverage for emergency medical evacuation which is transporting you to the nearest hospital or even back to your home country if needed. The insurance must cover the entire period of your stay in the Schengen Zone, from the date you enter Estonia until you leave. American Visitor Insurance offers international travel insurance that meets the Estonia travel insurance requirements, providing the necessary proof of travel health insurance required when applying for an Estonia visa. You can call us at (877)-340-7910 if you need any help to buy travel insurance for Estonia which satisfies visa requirements.

Do US Green card holders need Estonia visa?

US Green Card holders will need an Estonia visa to travel there 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.

Why should I buy Schengen visa insurance on American visitor insurance?

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Satisfy Schengen visa requirements to apply for visa

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Compare several plans to find what fits your needs best

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Travel medical insurance protection for health emergency

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Travel to Europe in peace with good insurance coverage

What are the factors considered for the cost of best travel insurance to Estonia?

The cost of Estonian 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.

How do I buy Estonia visa travel insurance online?

search 1: Finding all available Estonian visa insurance plans

Complete the Estonian visa insurance quote request form by providing details of the traveler and insurance requirements.

balance 2: Compare different visa insurance options

Compare the price and the benefits of the different Estonian visa insurance options to identify what fits your needs best.

attach_money 3: Buy the Estonian visa insurance and review documents

Buy the plan that fits your requirements and budget best by using a credit card and completing the online application.

description 4: Review Estonian insurance & download visa letter

Review the insurance documents & download visa letter is required.

Estonia travel insurance
Age
Spouse's Age
Start Date
End Date
  • Policy Maximum#1 
  • Deductible#2 
  • Schengen visa letter
    Sent immediately after purchase
  • Does not offers coverage for pregnancy
  • Acute onset of pre-existing condition coverage is available within the age of 70
  • Policy Maximum#1 
  • Deductible#2 
  • Schengen visa letter
    Available from client zone
  • Covers complications of pregnancy in the first 26 weeks of gestation
  • Acute onset of pre-existing condition coverage is available within the age of 79
  • Policy Maximum#1 
  • Deductible#2 
  • Europe visa letter
    Sent immediately after purchase
  • Covers Emergency Medical Treatment of Pregnancy
  • Covers unexpected recurrence of pre-existing conditions up to the age of 89 years
  • Policy Maximum#1 
  • Deductible#2 
  • Europe visa letter
    Sent immediately after purchase

#1  Policy Maximum is the maximum eligible medical expenses that the plan will cover.

#2  Deductible is the amount of expenses that must be paid out of pocket before an insurer will pay any expenses.

#3  Europe travel insurance for US residents Click here to read more »

Which is the cheap Europe travel medical insurance?

What are the different Estonia Visas?

Short-Stay Visas (Schengen Visa)

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)

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.

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Is it mandatory to buy Long term Estonia visa for US citizens?

US citizens are advised to buy travel insurance for Estonia 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. Given the pandemic, some European consulates are in fact insisting on Covid quarantine travel insurance while issuing travel visas.

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.

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What is the health insurance requirement for Estonia long stay visa?

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 (or the equivalent in US dollars) 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).

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What is the Estonia travel insurance for older US travelers with Medicare coverage?

US senior citizens who have Medicare coverage should buy international travel health insurance while traveling outside the United States. Good travel health insurance is required since Medicare offers very limited coverage outside the US.

International travel always involves risks. This is especially true for older travelers and given that the costs of medical evacuation and health care outside the United States is expensive, buying good Medicare Supplemental international Travel insurance coverage is prudent.
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Travel insurance Estonia, Estonia travel insurance - FAQ's

1. Is travel insurance necessary for Estonia? Do I need travel insurance for Estonia?

If you need a visa for traveling to Estonia (Schengen visa), then - Yes, Estonia travel insurance is necessary for applying for the Schengen visa. The Estonian visa travel insurance requirement is a minimum coverage of 30,000 Euros.

If you a citizen of a country which does not need a visa for traveling to Estonia , then buying travel insurance for Estonia is not mandatory for visits of less than 90 days. However given the cost of healthcare in Estonia , and that domestic health insurance offers little health insurance outside your home country, it is strongly recommended to buy travel insurance for Estonia.

2. What is the procedure to get a visa letter for Estonia?

Estonia visa medical insurance can be purchased online quickly and easily.
The traveler has to provide relevant information (age, travel dates, total amount of coverage desired) in a simple travel insurance for Estonian visa form and click the 'get quote' button.

A list of affordable travel insurance plans with the premium (cost), medical coverage details, and the name of the underwriter will be displayed. The applicant can then buy the best Estonia visa insurance plan they like by clicking on the corresponding 'BUY' button. Complete the simple application online and pay using a credit card.

On purchasing the Europe travel insurance for Estonia , a traveler will be provided with the insurance details that include a toll free number, a virtual ID card, and a Estonian visa letter that may be presented to the consulate as proof of coverage.

3. 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.

4. 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.
            

5. 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

6. 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.

7. 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.

8. 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.

9. 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.

10. Can I cancel my Estonia travel insurance?

Yes, you can cancel your Estonia travel insurance, but the terms and conditions and refund policy will vary depending on the insurance provider and the specific policy you purchased. If you ask for cancellation after the insurance start date, you may only receive a partial refund depending on how long you have had the policy and if you've already made any claims.

If you need to cancel your Schengen travel insurance, you should contact your insurance provider directly to inquire about the cancellation process and refund policy.

Travel health insurance for Estonia visa

Estonia, along the Baltic Sea in Northern Europe is an unexplored tourist gem. The country has over 1500 islands with an extensive coastline, having a diverse terrain including rocky beaches, forests and lakes. The capital Tallinn is a captivating city, has the UNESCO tag and is known for its well preserved medieval old town. Tallinn creates a fairy tale atmosphere full of castles, forts, medieval houses and serpentine paths and alleyways which will take tourists on an unforgettable adventure. One can also see traces of the Soviet era which it was a part of till 1991.

While leaving behind the mundane and exploring new destinations is always exciting, US and International tourists should remember to buy good travel medical insurance.The US Medicare and other domestic health insurance plans provide little coverage while traveling overseas. Travel insurance provides a very useful shield in the event of a medical or a logistical emergency.International travel insurance plans that we offer on American Visitor Insurance are designed by US insurance providers specifically for the custom needs of international travelers.

Buying travel insurance Estonia or any other European nation on Americanvistorinsurance.com may appear contradictory, however while we offer travel insurance for visiting the United States, we also provide international travel insurance plans that insures travelers in Europe. These travel insurance plans also satisfy Schengen visa requirements if required.

Travel insurance for EstoniaEstonia - General Information

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Capital
Tallinn
language
Language
Estonian
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Currency
Euro
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Location
Northeastern Europe
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Population
Around 1.4 million
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Best time to visit
Between June and Sept
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Vacation spots
Ida-Virumaa, Kuressaare, Parnu, Tartu, Old Town, Toompea Hill, Rocca-al-Mare Open Air Museum, Dome Church, Navitrolla Galerii.

Which are the popular tourist destinations in Estonia?

Health insurance for travel to Tallinn

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.

Medical insurance for visiting Lahemaa National Park

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.

Tourist Insurance for Parnu

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.

Best vacation insurance for travel to Narva Castle

Narva Castle

Inside the castle is the Narva Museum as well as a collection of handicrafts workshops where you can watch and even learn the skills used in medieval times.

Tourist information about Estonia

account_circle How do I get visa for Estonia?

  • Schengen visa is required for you to travel to any of the 26 states in the Schengen territory. You can apply for the Estonia visa from the country of your residence by visiting the Estonia consulate or embassy.
  • The short period visa issued for travelers to Estonia may be issued for a period of 6 months for a period of validity up to 12 months.
  • Insurance Plans available at American Visitor Insurance are applicable for
    • Schengen Visa A (Airport Transit Visa)
    • Visa B (Transit Visa)
    • Visa C (Travel Visa)
    • Visa D (Long Stay Visa).

description What are the documents required for Estonia Visa?

  • A valid passport with validity at least 3 months after the visa expiration
  • Filled and signed application form
  • Recent photographs
  • Documents showing purpose of visit
  • Estonia Travel medical insurance of EUR 30,000 maximum benefits.
  • Estonian visa insurance letter

event What is the best time to visit Estonia?

The best time is between June and September.

location_on What are the famous vacation spots in Estonia?

Ida-Virumaa, Kuressaare, Parnu, Tartu, Old Town, Toompea Hill, Rocca-al-Mare Open Air Museum, Dome Church, Navitrolla Galerii, Narva Joesuu, Kadriorg Park...

restaurant What are the popular Cuisines in Estonia?

Headcheese, Blood dumplings, Blood bread, Blood pancakes, Blood sausage, Smoked lamb shank, Meat and potatoes, Sweet and sour fresh cabbage, Mulgi sauerkraut, Pea spread, Hempseed spread or jurss, Potato salad with red beets...

language Which are the popular Languages spoken in Estonia?

Estonian.

What are the main 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

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Tourism and travel insurance information for visiting Schengen countries.

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US citizens traveling to Europe

Vacation and travel insurance information for US citizens visiting Europe.

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Long term Europe visa medical insurance

Insurance Information for Long term Europe Visa.

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Tools to find the best Schengen visa travel insurance.

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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 Estonian Schengen Visa insurance. These include:

1. Pre-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.

2. Treatment 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.

3. Non-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.

4. Extreme 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.

5. Mental 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.

List of travel insurance companies for Schengen visa Europe from USA

You can find reliable Schengen visa insurance providers like International Medical Group(IMG), Seven Corners, WorldTrips, Trawick International insurance.

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