• After an accident or in the case of an illness, quickly visit a doctor.
• Follow the doctor’s instructions.
• If you pay for the medicinal products, doctor's visits, etc., yourself, keep all original documents certifying your expenses.
• If you have become the victim of a crime, please contact the local police and ask them to prepare a report.
• After you have returned Estonia, submit a travel insurance indemnity application and other required documents to Seesam within one month.

If you require hospital care or repatriation, then contact our international medical assistance partner OPS:

OPS 24h : +372 634 7363; seesam@ops24.eu; www.eclaims.eu

For Luminor credit card customers: luminor@ops24.eu

To have medical treatment expenses indemnified, please submit:

• a travel insurance indemnity application;
• a copy of the policy that was valid during your trip;
• a document certifying the incident (doctor's certificate, indicating a diagnosis, initial visit and time of treatment);
• documents certifying the costs (original invoices for treatment expenses, transportation and the purchasing of medicinal products)

Upon cancellation of a trip, please submit the following:

• a travel insurance indemnity application;
• a copy of the policy that was valid during your trip;
• a document certifying the incident (doctor's certificate upon illness, on which the diagnosis, initial visit and time of treatment are marked);
• a copy of the certificate of incapacity for work submitted to the Health Insurance Fund for compensation (in case the insured person is an employed person);
• documents certifying the expenses (payment receipts, tickets, etc. If you do not have the original invoices, you can submit a bank account statement);
• a certificate from a travel company regarding the reservation, its cancellation and refunded/unrefunded expenses (fines).

If you are late for your trip or if your trip is interrupted, please submit:

• a travel insurance indemnity application;
• a copy of the policy that was valid during your trip;
• a document certifying the event (a certificate of the transportation company regarding the causes of cancellation of the trip or the delay thereof, a document certifying the reason for interruption of the trip);
• documents certifying the expenses (payment receipts, tickets, etc. If you do not have the original invoices, you can submit a bank account statement instead);
• the planned and actual travel schedule (including precise departure and arrival times, destinations) in free form;
• tickets for the planned and actual trip;
• a certificate from a travel company regarding the reservation, its cancellation and refunded/unrefunded expenses (fines).

Luggage damage

• Notify the local police of the robbery or theft of your luggage and ask for a certificate regarding the accident.
• If your luggage has broken or been damaged during transport, immediately contact the transportation company, i.e. the guilty party, and demand compensation for the damage caused.
• The insurance covers the portion of the damage that is not compensated by the transportation company.
• Ask the organiser of transport for a certificate regarding the damage caused to the luggage.

To have luggage losses indemnified, please submit:

• a travel insurance application for indemnity;
• a copy of the insurance policy that was valid during your trip;
• copies of your travel tickets;
• a document certifying the event (a transportation company certificate, a police certificate)
• a detailed letter of explanation prepared in free form, regarding what happened (in the event of the theft or robber of luggage);
• a detailed list of lost or acquired items and documents certifying your expenses (purchase receipts; if you do not have the original documents, you may also submit your bank statement);
• a transportation company certificate regarding the compensation that was paid