Pending review

Chubb European Group SE, branch in Finland

Chubb

Chubb is a travel insurance for the Finland market with online purchase and 24/7 assistance.

Last verified Aug 29, 2026Reviewed by: Boleron EUUnderwritten by: Chubb European Group SE, sivuliike Suomessa
Online purchase24/7 helpline

Direct payment

Chubb's travel emergency service SOS International can arrange direct billing to the treatment facility as well as medical transport home when needed

Geographic scope

Worldwide, in more than 200 countries; the insured selects the covered country/region at purchase, including Finland (domestic trips)

Covers travel in the country/area chosen at purchase; does not cover travel to Cuba, and coverage may be limited in sanctioned destinations

Unique selling points

  • Medical and hospital costs during travel are covered without an upper euro limit and without a deductible
  • 24/7 global emergency assistance through SOS International, including direct billing to treatment facilities
  • Coverage available for trips to more than 200 countries
  • Insurance can be purchased right up until departure, even at the airport
  • Choice between a single-trip policy or an annual policy covering unlimited trips during the year

Coverage limits

Medical expenses during travel

unlimited

Travel insurance covers medical and hospital costs incurred during the trip without an upper euro limit and without a deductible

Source

Emergency medical treatment

unlimited

Doctor and hospital costs arising from acute illness or accident during travel are covered without an upper euro limit and without a deductible

Source

Hospitalization costs

unlimited

Hospital costs incurred while abroad are covered as part of the medical expenses benefit without an upper euro limit

Source

Outpatient/doctor visit costs

unlimited

Doctor visit costs during travel are covered without an upper euro limit and without a deductible

Source

Emergency dental treatment

Not established from the reviewed documents

No retail-product source specifies an emergency dental benefit amount

Medical transport to home country

Covered

Chubb's travel emergency company SOS International arranges medical transport home when necessary

Source

Medical evacuation

Covered

The 24/7 travel emergency company organizes necessary medical transport/evacuation of the insured back to their home country

Source

Repatriation of remains

Not established from the reviewed documents

No retail-product source confirms this benefit or its amount

Search and rescue

Not established from the reviewed documents

No retail-product source addresses search and rescue coverage

COVID-19 treatment

Not established from the reviewed documents

No retail-product source specifically addresses COVID-19 treatment coverage

Pre-existing conditions

Excluded

No compensation is paid if the illness or injury existed at the time the trip was booked or when the trip began

Source

Winter sports cover

Not established from the reviewed documents

No retail-product source specifically quantifies winter sports coverage

Adventure/high-risk sports cover

Conditional

Insurance does not cover accidents or injuries from certain high-risk sports and competitive athletic activities requiring a license or liability waiver; a detailed exclusion list is in the policy terms

Source

Pregnancy complications

Not established from the reviewed documents

No retail-product source addresses pregnancy-related complication coverage

Personal liability

Not established from the reviewed documents

No retail-product source confirms a personal liability benefit amount

Legal assistance

Not established from the reviewed documents

No retail-product source confirms a legal assistance benefit amount

24/7 travel emergency assistance

Covered

SOS International provides round-the-clock assistance in serious emergencies anywhere in the world and arranges direct billing and medical transport as needed

Source

Key conditions

Assistance call deadline

For an acute emergency, contact Chubb's travel emergency company SOS International (+45 70 10 50 50); for reimbursement of medical costs already paid, a claim must be submitted to Kela within six months of paying the costs

Unauthorized treatment

Not specifically quantified in the reviewed retail-product sources

Purchase while abroad

The policy can be bought right up until departure, even at the airport, but trip cancellation cover only becomes valid if the insurance is purchased at least 3 days before the trip starts

Chronic conditions

General exclusions apply to conditions that existed before the trip; the retail FAQ does not give a separate chronic-disease definition beyond the pre-existing condition exclusion

Pregnancy

Not specifically addressed in the reviewed retail-product sources

Pre-existing condition exclusions

No compensation is paid for medical costs if the illness or injury existed when the trip was booked or when it began

Coverage duration limit

A single-trip policy covers a maximum of 30 days from the start of the trip; an annual policy covers unlimited trips during the year but each individual trip may last at most 30 days, and the insured must return home between trips

Where to buy

Buy Chubb Travel Insurance online

Documents

Pre-contractual information for distance selling

Other document

Open

Policy specifics

Trip cancellation coverage

Coverage for cancellation costs; must be purchased at least 3 days before trip start; does not cover if reason arose before insurance purchase or trip booking

Source

Baggage and personal property coverage

Protection for luggage delays, lost baggage, stolen or damaged personal items and electronics

Source

Travel delay coverage

Coverage for costs incurred due to travel delays

Source

Age eligibility

Insurance available for persons aged 18-79 who reside permanently in Finland (over 6 months per calendar year) and are covered by Finnish national health insurance

Source

Pre-existing condition exclusion

No compensation is paid if the illness or injury existed at the time of trip booking or trip start

Source

High-risk sport activities exclusion

Insurance does not cover accidents or injuries from certain high-risk sports and competitive athletic activities requiring license or liability waiver

Source

Leisure travel only

Coverage applies only to leisure travel; does not cover accidents or injuries occurring at workplace or during work commute

Source

Conflict zone exclusion

Insurance does not cover travel to countries with war, war-like conditions, sabotage, terrorism, revolution or civil unrest

Source

Trip duration limits

Single trip insurance: maximum trip duration is 30 days from the start date; annual insurance covers unlimited trips

Source

Secondary coverage

Travel insurance operates as secondary coverage; policyholder must first seek compensation from any other applicable insurance

Source

Medical treatment timing requirement

For acute illness during travel, insured must seek medical care during the trip or within 2 days of trip end; compensation claim must be submitted to Kansaneläkelaitos (Finnish National Health Insurance) within 6 months

Source

Sources