Do I need travel insurance for Estonia?

Estonia is a beautiful country with plenty of picturesque castles, churches and hilltop fortresses. Its capital, Tallinn, is known for its well-preserved Old Town, a UNESCO World Heritage Site, and is one of the best preserved medieval Old Towns in Europe. Tallinn is also home to several museums and the 314m-high Tallinn TV Tower, which was built in the Soviet era, rises above the city and features an observation deck.

If you are traveling to Estonia, AXA’s Schengen travel insurance offers extensive protection - as it can cover medical expenses up to €100,000 in Schengen Area countries. It also allows you to obtain the travel insurance certificate required with your visa application. 

What does AXA Schengen travel insurance for Estonia cover?

Starting at €33 per week of your trip, our Europe Travel insurance covers:

  • Up to €100,000 coverage in medical expenses 
  • Medical repatriation & transport 
  • 24/7 medical assistance in English or French in case of urgency
  • Up to 180 days of coverage
  • All Schengen, European Union countries as well as the United Kingdom (depending on the chosen insurance)
  • Insurance certificate issued immediately and approved by the embassies
  • No age limit
  • Zero deductible - which will allow you to avoid some upfront and early costs with your claim

Is a travel insurance required for Estonia?

Travel insurance is mandatory if you need a Schengen visa for Estonia. If you don’t need a visa, travel insurance is optional but strongly recommended as medical costs can be high for foreigners, especially as you will need to pay for any prescriptions.

Do you cover emergency medical costs related to coronavirus? 

We will cover your medical costs related to coronavirus provided you haven't traveled against World Health Organization advice, personal medical advice from your doctor, or any other government body’s advice in your home country or the country you are traveling to. Emergency and additional travel costs are also covered providing you have stuck to this advice. All issued electronic certificates purchased on the axa-schengen site include this disclaimer: “Medical fees related to COVID-19 are covered in the terms, conditions & exclusions established in the insurance policy”. This will satisfy any embassy rules that state you must get an insurance certificate with coronavirus protection. 

Will AXA Schengen travel insurance be accepted with my Estonia visa application?

Yes! For over 10 years, AXA has been delivering insurance certificates that meet Schengen countries’ requirements to obtain a visa. All you need to do is print the electronic form of the health insurance certificate and enclose it with your visa application. Each AXA Schengen insurance certificate is individualized and bears a number which is verifiable on our website. Estonia is also one of the countries with the largest acceptance rate for visa applications. Only 1.6% of the applications lodged were turned down, while 98.4% of those applying were granted a short-term visa to the Schengen Area.

What are the requirements for travel insurance for my Estonia visa?

To obtain a Schengen visa to Estonia your insurance must meet the following criteria:

  • Minimum coverage for at least €30,000 in medical expenses
  • It should cover all member states of the Schengen Area.
  • It should cover any expenses which might arise in connection with repatriation for medical reasons

I don’t need a Schengen visa to visit Estonia - can I still purchase your insurance to cover my possible health expenses?

Even though Schengen travel insurance is not mandatory for some travelers, that doesn’t mean you won’t be injured or get ill. A broken wrist or nasty infection can happen to anyone! We therefore strongly recommend that you subscribe to our insurance for travelers visiting Europe to make sure your trip is as safe and peaceful as possible. This is especially true if you are attempting risky activities or sports during your visit.

What are the main advantages of AXA Schengen insurance?

  1. Compliant with European requirements for Schengen visa - 10 years of existence
  2. Immediate coverage. Your insurance covers you from the first day you need it
  3. No age restriction, zero deductible 
  4. No price variation because of nationality or age
  5. Refund if your Schengen visa application is denied

Why should you trust us?

  • Medical files processed by AXA Schengen in 2021: 2292
  • Medical calls processed by our agents in 2021: 3845

Which insurance plans to consider?

  Coverage duration Max.
Countries Covered Average price 
Europe Travel Up to 180 days  €100,000
Austria, Belgium, Bulgaria, Croatia, Cyprus, the Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, the Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland, United Kingdom
33€ per week
(approx. US$ 35)
Multi Trip  Illimited number of stays of 90 days max.
during 1 year 
€100,000 328€ per year
approx. US$ 349)
Low Cost Up to 180 days  €30,000
Austria, Belgium, Croatia, the Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, the Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, Switzerland

22 € per week
(approx. US$ 23)

What should I do if I am injured or ill while in Estonia?

Don’t worry - AXA’s Schengen insurance is here to guide, help, and protect you. In case of a medical emergency, you must contact the AXA Schengen call center at the number provided on your insurance policy. Medical assistance professionals will answer your questions and advise you 24/7 to help you find the medical center best suited to your situation and the closest to your location.

The following information must be given to the call center:

  • The number of your policy, which begins with “SCH”
  • The address and telephone number at which you can be reached and the details of the people that can be contacted locally
  • The dossier number, which is communicated at the time of the first call

IMPORTANT: Remember to always keep bills/ invoices and enclose them with your file.

What should I know when preparing for my trip to Estonia?

Security: It is recommended that you remain constantly vigilant with regards to pickpockets, particularly in Tallinn and other cities and in dense tourist areas such as stations and markets. It is also advised that you exercise caution in certain outlying areas of Tallinn: the industrial sub-district of Kopli, the neighborhood of Lasnamaë, and the areas surrounding the port and railway station, especially at night.

Public transport: Public transport operates from 5 a.m. to midnight and tickets can be bought on the vehicle or via prepaid advanced cards - which may be more economical. For historic reasons, Estonian railways run on a Russian gauge system rather than the more regular European one. Train connections to the rest of Europe run through Latvia.  

Opening hours: In Tallinn the major shopping centers are generally open from 10 a.m. until 9 p.m. daily. Smaller shops are open on weekdays 10 a.m. - 7 p.m., Saturdays 10 a.m. - 5 p.m.

Driving license: In Estonia, driving licenses issued by most foreign states are valid under international agreements. You will need to make sure your motor insurance is up to date and that you have not received any driving bans.

Restaurants: The vast majority of cafés, bars and restaurants in Estonia are table service only, often even those that look like you should order at the bar. It can be considered rude to do otherwise. Most will open for lunch and dinner service.

Visa: Although many countries have visa-free travel with Estonia and the Schengen Area, if you think you do need a visa to you can find out more, here.

Will my travel insurance cover repatriation if I get injured?

Yes AXA’s insurance will cover your repatriation in case of injury or illness.

Will my travel insurance fees be refunded if my visa is refused?

If your visa is refused AXA will refund your insurance fees in most cases. But you must provide documentation from officials showing the reason for your refusal.

Are my children covered on AXA’s Schengen travel insurance?

Yes AXA’s insurance provides coverage for your family on your trip - providing you with peace of mind throughout your stay.