Insurance for entry into Estonia: who needs it, rules for obtaining it for different categories of visas, and where to purchase it

Before travelling to Estonia, it is important to take care of medical insurance, as it is mandatory for certain categories of persons. Find out more about who exactly needs insurance, how to take out a policy for different types of visas and where you can purchase appropriate medical insurance

Insurance policy - a guarantee of your safety and peace of mind while travelling outside Ukraine

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When travelling to Europe, it is important not only to consider the entry requirements, but also to take care of your own safety. One of the main things to consider is medical insurance for entry into the Schengen area, including Estonia.

Who needs medical insurance, how to get it for different types of visas, and where to buy the right policy — we'll tell you all about it below.

You can find important info you should know before travelling to Estonia here:

– Entry rules for Ukrainians in Estonia.

– Working in Estonia for Ukrainians.

– Immigration to Estonia for Ukrainians.

– Studying in Estonia for Ukrainians.

– Temporary protection in Estonia for Ukrainians.

Protect yourself while travelling!

Apply for travel insurance online in 5 minutes on Visit Ukraine!

Who needs insurance to enter Estonia?

Medical insurance is mandatory for certain categories of persons planning to travel to Estonia. It is important to remember that without this policy, entry may be denied.

Insurance is required for:

– Tourists. Citizens of Ukraine who are planning a short-term visit to Estonia for up to 90 days. In this case, the policy must cover emergency medical care, as well as the cost of return to Ukraine in the event of serious illness or accident.

– Students. When entering Estonia for study purposes, students must have medical insurance that covers the cost of medical services in Estonia. In addition, it is worth noting that some universities may require additional insurance for visa processing.

– Employees. For people travelling to Estonia for work, insurance is an important requirement for obtaining a work visa or residence permit. This is especially important to ensure access to medical services while working in the country.

When do Ukrainians need a visa to Estonia and how to apply for one — read here.

Do you need insurance to enter Estonia without a visa?

When Ukrainian citizens travel to Schengen countries, including Estonia, without a visa, medical insurance is not mandatory for short-term trips. However, even in such cases, insurance is highly recommended. Insurance will help cover the cost of medical services in case of illness or injury while in another country. Without a policy, you will have to pay for medical expenses out of your own pocket, which can be a significant financial burden, especially if you need hospitalisation or emergency medical care.

It is also worth noting that although the Schengen countries do not require compulsory insurance for Ukrainian citizens, some countries may refuse you entry without medical insurance. Therefore, even when travelling without a visa, it is recommended that you take out insurance to avoid possible problems at customs or in case of unforeseen circumstances during your stay in another country.

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Local insurance for refugees from Ukraine in Estonia

There is a special state health insurance programme for refugees from Ukraine. This insurance covers basic medical services and is provided free of charge or at very low rates. However, such policies do not always cover all possible medical expenses, so it is advisable to have additional private insurance.

Read also: Working in Estonia for expats in 2025: labour market, promising vacancies, conditions and procedure for obtaining a work visa.

Green Card for cars: compulsory insurance for entry into Estonia

If you are travelling to Estonia by car, you must obtain a Green Card insurance policy. This policy covers civil liability within the EU.

You can get a Green Card quickly and conveniently through the Visit Ukraine portal. The policy can be purchased for different periods, for example, for a short trip (from 15 days) or for a year, which allows you to conveniently plan your trip by car.

General requirements for insurance policies for short-term and long-term trips to Estonia

There are certain requirements for medical insurance policies that apply to both short-term and long-term trips to Estonia:

– Short-term trips (up to 90 days). The insurance must cover a minimum of €30,000 in case of medical services, including hospitalisation, outpatient treatment and repatriation costs.

– Long-term trips (90 days or more). The insurance must cover not only basic medical expenses, but also additional risks, including the cost of dental services or emergency medical care abroad.

What kind of insurance can you get in Estonia?

There are several options for medical insurance for travellers to Estonia:

– Local insurance. In Estonia, you can take out insurance through local insurance companies. However, this option has significant drawbacks: the policy will only be valid in Estonia, and it may be significantly more expensive than other options.

– Insurance from Ukrainian insurers through the Visit Ukraine portal. This is a convenient option for citizens of Ukraine. Policies taken out through Ukrainian insurers meet the requirements of the Schengen area, cover basic medical risks and offer several packages allowing you to choose the best cover. In addition, such policies make it easier to travel within the Schengen area, covering medical expenses throughout Europe.

What does the insurance cover that can be issued at Visit Ukraine?

When choosing an insurance policy for a trip to Estonia, it is important to understand what risks are covered by different insurance options. Visit Ukraine offers both medical and travel insurance policies that meet all the requirements of the Schengen Agreement and provide financial protection in case of unforeseen circumstances during your stay in Estonia.

Health insurance on the Visit Ukraine portal

The health insurance policies available on Visit Ukraine provide comprehensive protection during your stay in Estonia, including emergency medical care, COVID-19 treatment, and reimbursement of transportation costs in case of emergency.

The Europe Classic policy provides basic coverage:

- Emergency outpatient and inpatient care.

- Diagnosis and treatment of COVID-19 if medically indicated.

- Coverage for medical transportation to the nearest medical facility.

- Insurance in case of an accident.

- Emergency dental care.

- Costs of repatriation of the body in case of death abroad.

The Europe Classic Plus policy provides extended coverage, including all the benefits of the Classic policy with additional services, such as

burial arrangements abroad and extended protection in case of emergency.

Travel insurance on the Visit Ukraine platform

If you are planning a short-term trip to Estonia, you can choose from a variety of travel insurance options with different levels of protection.

The Europe Basic policy includes:

- Treatment and diagnosis of COVID-19.

- Medical assistance in case of an accident.

- Repatriation of the body in case of death.

- Emergency medical, obstetric and dental care.

- Medical evacuation in case of emergency.

Europe Comfort policy provides extended insurance coverage and additionally includes:

- Expenses for defence of the insured person's rights and legal advice.

- Compensation in case of flight delay or cancellation.

- Coverage of expenses for restoration of documents in case of their loss or theft.

- Protection in case of loss of luggage.

The most comprehensive coverage is offered by the Europe VIP policy, which, in addition to all the above services, includes

- Legal protection in the event of an accident.

- Organisation of delivery to the destination in case of car breakdown.

- Comprehensive support in case of loss or theft of documents.

How much does insurance cost on Visit Ukraine?

Health insurance

Travel insurance

Why is it worth taking out travel insurance for a trip to Estonia on Visit Ukraine?

- A wide range of insurance programmes adapted to the different needs of travellers - from tourist trips to long-term stays.

- Instant online registration.

- Affordable tariff plans with transparent pricing conditions and no hidden fees.

- Round-the-clock customer support to help you solve any situation during your stay in Germany.

- Guaranteed quality of insurance services from trusted companies.

Planning a trip to Estonia?

Get a policy quickly and conveniently on the Visit Ukraine portal! The insurance meets all the requirements for entry into the EU and provides reliable protection during your stay abroad.

Get insurance online in a few minutes and travel without worries!

Reminder! Estonia is a country close to Ukrainians in terms of mentality and cultural traditions, and is also known worldwide for its support of military refugees. How to emigrate to Estonia in 2025 — find out at the link.

Photo: iStock

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We recommend purchasing it for a safe and comfortable trip to Ukraine: 

Visit Ukraine Insurance – insurance covering military risks for entry and travel in Ukraine;

Visit Ukraine Car Insurance – car insurance with extended coverage in Ukraine;

Visit Ukraine Legal Advice – comprehensive legal support on entry to Ukraine;

Visit Ukraine Tickets – bus and train tickets to/from Ukraine;

Visit Ukraine Tours – the largest online database of tours to Ukraine for every taste;

Visit Ukraine Hotels – hotels for a comfortable stay in Ukraine;

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