"Is that Estonian or Hungarian?"
Translation:Onko tuo viroa vai unkaria?
As a native speaker, if I were to say "Onko tuo viroa tai unkaria" you present 2 options (viro or unkari) but you don't close to option of "it" being something else.
If you say "Onko tuo viroa vai unkaria" you expect "it" being either viroa or unkaria and nothing else.
I think both are fine in spoken language.
I suggest reading this (specifically 2. The difference between tai and vai in questions) : https://uusikielemme.fi/finnish-vocabulary/interesting-words/the-difference-between-tai-and-vai/´