Digital Nomad Visa health insurance

Yes. Estonia asks for health insurance that guarantees payment of medical costs from illness or injury for your entire visa period. Our policy covers new conditions with an unlimited annual limit on the Newcomer plan, includes hospitalization and repatriation, and is valid in Estonia and across the Schengen Area. That also clears the €30,000 minimum that applies to the short-stay C-type.

For the 90-day C-type, a Schengen travel policy can technically qualify. For a year-long D-visa, it usually isn't the right tool: Estonia expects coverage that guarantees your medical costs for the full validity of the visa. Feather is health insurance built for living abroad, which is what a year in Estonia calls for.

They're completely separate programs. e-Residency is a government-issued digital identity that lets you run an Estonian company online. It's not a visa: it gives you no right to enter, stay, or travel. The Digital Nomad Visa is the one that lets you physically live in Estonia, and it's the one that requires health insurance. You can hold both, but neither replaces the other.

If your visa is denied, this will happen before your planned arrival in Estonia, and therefore before your policy start date. You can cancel the policy in one click from your Feather account, and you'll be fully refunded automatically.

The visa itself can't be extended, but you can apply for a new one. The rule to know: you can stay a maximum of 548 days within any 730-day period. So after a full year, a second visa can cover up to six more months. Your Feather certificate works for the second application just like the first.

No. Estonian public health insurance (Tervisekassa) is tied to social tax paid by an Estonian employer, and your employer is abroad by definition. Emergency care is provided to everyone, but you'd be billed for it. Private health insurance is what covers you for your whole stay.

Pre-existing conditions are not covered. Any illness, symptoms, or treatments that existed before your policy start date won't be reimbursed. This is standard across expat health insurance policies and has no impact on your visa eligibility: the insurance is still fully accepted for Digital Nomad Visa applications. If you have a significant pre-existing condition, talk to our team before signing up so we can walk through your situation.

No. You can sign up before you arrive in Estonia. No Estonian address, bank account, or ID code required.