Travel insurance claim


Report the loss to Seesam immediately after the occurrence of the insured event. A loss adjustment form can be completed directly on the Seesam homepage, by calling the contact telephone 628 1700, or by writing to kahjud@seesam.ee. From the menu selection below you will also find information about how to act following the occurrence of an insured event.

What to do in case of an accident or illness:
  • 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

Necessary documents for applying for a travel insurance indemnity

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

This is a financial service, insurance is offered by Seesam Insurance AS. Before making a purchase, review the
contract terms and conditions at www.seesam.ee and, if necessary, ask for additional information from an insurance specialist.