Travel insurance

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Feature / category	Fennia May 18, 2026 Open details	If May 18, 2026 Open details	LähiTapiola May 18, 2026 Open details	Pohjola Vakuutus May 18, 2026 Open details
Overview
Insurer	Fennia Mutual Insurance Company	IF P&C Insurance Ltd (publ), branch in Finland	LocalTapiola Group (LähiTapiola Keskinäinen Vakuutusyhtiö / LähiTapiola Keskinäinen Henkivakuutusyhtiö)	Pohjola Vakuutus Oy
Online purchase	Yes	Yes	Yes	Yes
24/7 helpline	Yes	Yes	Yes	Yes
Starting price	—	—	—	€8
Billing basis	annual	annual	per_trip	per_trip
Unique selling points	Medical treatment expenses are covered without any monetary upper limit, a benefit that exceeds the fixed caps common among Finnish competitors. Fennian Reissuapu 24h operates around the clock in cooperation with SOS International, directing insured travellers to facilities that invoice Fennia directly so the insured rarely needs to pay out of pocket. Family travel insurance is priced at a flat rate regardless of the number of family members, making it economical for larger families. A 25% youth discount on continuous travel insurance is available for customers aged 30 or under purchasing online, making it one of the more accessible options for young travellers. Trip cancellation coverage includes no monetary cap on pre-paid trip costs when the cancellation is due to illness before departure, covering even expensive trips in full.	Medical expenses are covered without any monetary upper limit and with zero deductible — even the most serious hospitalisation or air ambulance repatriation will not lead to out-of-pocket costs. Children and grandchildren under 20 are automatically included in the parent's or grandparent's traveller cover at no extra charge when travelling together, covering both medical and luggage components. Crisis cover (Kriisiturva) is included as standard, providing trip cancellation and interruption reimbursement plus up to 5 sessions of physician-ordered psychotherapy in Finland after natural disasters, terrorism, armed conflict, or violent crimes on the trip. If's 24/7 travel assistance (+358 10 19 19 99) directs insured travellers to contracted partner hospitals and clinics worldwide, enabling direct billing so the insured need not pay out of pocket at point of care. For two consecutive years If was ranked as the best insurer in the Finnish Asiakkuusindeksi customer experience survey, evidencing verified service quality above market peers.	Medical expenses covered with no deductible and no monetary ceiling — unlimited benefit for both illness and accident treatment abroad. Children under 18 travelling with the insured are automatically covered at no extra cost under the adult's traveller insurance. 24/7 multilingual Travel Emergency Service (Matkahätäpalvelu) is included as standard, operating in cooperation with SOS International and reachable from abroad at +358 800 0 4531. LähiTapiola is the only insurer in Finland whose travel insurance also earns S-ryhmä Bonus (up to 5%) and loyalty discounts of up to 17% for consolidating policies. The fixed-term policy covers trips from a single day up to 3 months and can be purchased entirely online instantly before departure, with no waiting period for medical coverage.	Medical expenses are covered with no monetary upper limit and zero deductible – one of the most comprehensive medical coverage structures available in the Finnish market. Pohjola Travel Emergency Service is available 24/7 in Finnish, Swedish and English, providing direct payment commitments to hospitals abroad so the insured rarely needs to pay out-of-pocket for major treatments. Children under 15 travelling with a family member or grandparent are automatically covered under that adult's traveller's insurance at no extra charge, covering the same benefits as the policyholder. Coverage for sudden acute deterioration of pre-existing conditions is included as standard (up to 7 days at destination), providing a safety net even for travellers with existing health conditions. Claims can be filed instantly online via op.fi or the OP mobile app without needing to send original receipts by post; receipts only need to be kept for 6 months in case of a request.
IPID	Not available	IPID	IPID	IPID
Terms & conditions	Terms & conditions 1 Terms & conditions 2 Terms & conditions 3	Terms & conditions	Terms & conditions	Terms & conditions
Coverage
Medical expenses	unlimited	unlimited	unlimited	unlimited
Medical transport	unlimited	unlimited	unlimited	unlimited
COVID-19 treatment	Covered	unlimited	unlimited	unlimited
Personal liability	€170,000	Optional	€100,000	Optional
Emergency dental	Covered	€200	€120	€120
Legal assistance	€10,000	Optional	€10,000	Optional
Emergency medical treatment	unlimited	unlimited	unlimited	unlimited
Hospitalization	unlimited	unlimited	unlimited	unlimited
Outpatient treatment	unlimited	unlimited	unlimited	unlimited
Medical evacuation	€2,000	unlimited	unlimited	unlimited
Repatriation of remains	unlimited	unlimited	unlimited	unlimited
Pre existing conditions	Pre-existing conditions are generally excluded: a condition whose symptoms appeared before departure or whose examinations were ongoing is not considered a travel illness. Exception: acute unexpected exacerbation of a pre-existing condition during travel may be covered, but only for acute first-aid treatment at the travel destination for up to one week.	A pre-existing illness that was present before the trip is not classified as a travel illness and is generally excluded. However, if a pre-existing illness worsens unexpectedly and acutely during the trip, acute first-aid treatment costs at the destination are covered for a maximum of one (1) week, provided the worsening was not probable or foreseeable according to general medical knowledge, and the illness was not already under active investigation or treatment (incomplete examinations) at departure. No coverage if an individual exclusion clause for that illness has been added to the policy.	A pre-existing illness or injury that suddenly and unexpectedly worsens during the trip is covered for first-aid equivalent treatment at the destination for up to 10 days from the start of treatment. Treatment for the underlying pre-existing condition itself (i.e. not the acute worsening) is not covered; treatment that was already underway at departure is also excluded.	Illnesses that began before the trip are not considered travel illnesses and are generally not covered. However, if a pre-existing condition suddenly and unexpectedly deteriorates during the trip in a way that was not probable or foreseeable according to general medical understanding, acute first-aid-type treatment at the destination is covered for up to 7 days from the start of treatment. Extra travel costs or repatriation for pre-existing condition deterioration are not covered.
Winter sports cover	Standard recreational winter sports (e.g. downhill skiing on marked pistes, cross-country skiing) are covered under the base policy as ordinary sports activity. Off-piste skiing is explicitly excluded even with the sports extension. The sports extension (additional premium) is required for competitive participation or certain listed dangerous activities. Downhill skating (alamäkiluistelu) and glacier hikes/hikes above 3,000 m require the sports extension.	unlimited	Recreational skiing and other non-competitive winter sports are covered for persons under 18 automatically. For adults (18+), standard recreational skiing is covered unless it falls under the excluded risk sports categories (e.g. freestyle skiing). Competitive winter sports and risk-category winter sports are excluded for adults; the fixed-term (määräaikainen) policy cannot be extended to cover competitive or high-risk sports.	Recreational skiing on marked pistes is covered under the standard policy. Freestyle skiing, speed/downhill racing, off-piste skiing (outside marked pistes), and ski jumping are excluded under clause 5.2. A separate sports extension (urheilulaajennus) is available for risky or competitive winter sports.
Adventure sports cover	Optional	Optional	For persons under 18, all sports and risky activities are automatically covered. For adults (18+), the fixed-term policy does NOT cover competitive sports, professional sports, or activities listed as high-risk in the policy terms (e.g. scuba diving, skydiving, bungee jumping, freestyle skiing). The fixed-term policy cannot be extended to cover these activities. A separate sports extension is available only with the continuous (jatkuva) policy.	Excluded
Pregnancy complications	Normal progression of pregnancy and any associated medical costs are not covered. Only complications of pregnancy classified as an illness (i.e. a medical condition) are covered as a travel illness under the general medical expenses coverage.	Treatment costs arising from pregnancy or childbirth are generally excluded. However, acute first-aid treatment costs at the travel destination caused by the pregnancy are covered for up to one (1) week, but only if the pregnancy has not yet reached week 29 at the time of treatment. Costs arising from childbirth, infertility, contraception, assisted reproduction, sterilisation, or foetal examination are not covered under any circumstances.	Coverage applies only to pregnancy-related incidents occurring before week 29 of pregnancy. If delivery occurs during the trip, the newborn is automatically covered from birth.	Pregnancy, childbirth, termination of pregnancy and infertility treatments are excluded from travel illness coverage. However, a sudden and urgent change in pregnancy condition during the trip that requires immediate treatment is covered, provided the change was not probable or foreseeable according to general medical experience (clause 6.2).
Key conditions
Assistance call deadline	For serious illness or accident abroad where foreign hospitals require a payment commitment before treatment, the insured must contact Fennian Reissuapu 24h (+358 10 503 5503) before or during treatment. Medical repatriation to Finland always requires prior approval from Fennia via Reissuapu 24h.	The insured should contact If's 24/7 travel assistance (+358 10 19 19 99) as soon as possible in the event of a claim. If has the right to direct the insured to a contracted provider. If the insured uses a self-chosen provider without prior approval, reimbursement is limited to what the treatment would have cost at If's contracted provider. Pre-approval from If is required before organising medical evacuation or repatriation.	There is no explicit deadline stated in the sources for calling the Matkahätäpalvelu, but the insurer must pre-approve medically necessary repatriation before it is arranged. Treatment must be sought during the trip or within one week of the trip's end for costs to be eligible.	In non-emergency situations, the insured should contact Pohjola Travel Emergency Service (+358 102 530 011) before seeking treatment abroad to obtain a payment commitment and guidance to a reliable provider. In genuine emergencies, seek immediate medical help first. A payment commitment is required specifically before medical repatriation and certain major procedures.
Purchase while abroad	The insurance must be in force at the start of the trip. For a fixed-term (single-trip) policy, the premium must generally be paid before the policy takes effect. Purchase while already abroad is not mentioned as a permitted option.	The policy documents do not explicitly address purchasing travel insurance while abroad. The continuous travel insurance becomes effective when agreed between the policyholder and If. Fixed-term travel insurance is valid for foreign trips as stated in the policy certificate. Trip cancellation cover requires the policy to be purchased at least 3 days before the trip starts.	The insurance contract must always be concluded before the trip begins. It is not possible to purchase the fixed-term travel insurance after the trip has started.	The fixed-term travel insurance (Pohjola Määräaikainen matkavakuutus) must be purchased and paid before departure from Finland. Coverage begins from the moment payment is made. The insurance cannot be purchased or extended while already abroad under the standard terms.
Chronic conditions	Chronic or ongoing illnesses are not covered as travel illness if their symptoms appeared before departure or if examinations were ongoing before departure. Only an unexpected acute worsening during the trip may be partially covered (acute first-aid at destination, up to one week).	Chronic (pre-existing) diseases are excluded from travel illness cover. An illness that existed before the trip is not classified as a travel illness. Exception: if a known chronic illness worsens unexpectedly and acutely during the trip, acute first-aid treatment at the destination is covered for up to 1 week, provided the worsening was not probable or expected and no investigations or treatments were ongoing at departure. If a policy-specific exclusion clause for the condition exists, even this first-aid cover is excluded.	Chronic or pre-existing conditions that were already being treated or had ongoing treatment at the time of departure are not covered. Only a sudden and unexpected acute worsening of a pre-existing condition is covered, and only for first-aid equivalent treatment for up to 10 days from the start of treatment at the destination.	Chronic illnesses and conditions that started before the trip are not travel illnesses and are not covered under the standard policy. A sudden, unexpected and unforeseeable acute deterioration of a pre-existing chronic condition during the trip is covered only as acute first-aid-type treatment at the destination, for up to 7 days from the start of treatment. No repatriation or extra travel costs are covered for pre-existing condition deterioration.
Pregnancy	Normal pregnancy progression and associated medical costs are not covered. Pregnancy complications classified as an illness (medical condition) are covered under travel illness coverage. Trip cancellation and interruption due to normal pregnancy are not covered.	Treatment costs arising from pregnancy or childbirth are generally excluded. An exception applies: acute first-aid treatment costs at the travel destination arising from pregnancy are covered for up to 1 week, but only before pregnancy week 29. Costs from childbirth, infertility, contraception, assisted reproduction, sterilisation, or foetal examination are never covered.	Pregnancy-related incidents are covered only up to and including week 28 of pregnancy (i.e. only events occurring before week 29). If childbirth occurs during the trip, the newborn is covered from birth. Pregnant travellers should plan travel timing accordingly.	Pregnancy, childbirth, termination of pregnancy and infertility investigations or treatment are excluded from travel illness coverage. Exception: a sudden and urgent change in pregnancy condition requiring immediate treatment during the trip is covered, provided it was not probable or foreseeable according to general medical experience. The insured must belong to the Finnish national health insurance (Kela) to be covered by the traveller's insurance component.
Unauthorized treatment	If treatment is received without prior approval where required (e.g. medical repatriation), Fennia is not obligated to cover those costs. If the insured pays their own treatment costs, original receipts must be kept and a reimbursement claim submitted to Fennia within one year of the event.	If the insured obtains treatment at a provider of their own choice without prior approval from If, If has the right to limit reimbursement to the amount the same treatment would have cost at If's contracted provider. Costs significantly exceeding the normal, generally accepted and locally reasonable level are reimbursed only up to that reasonable level.	Treatment costs are covered only if treatment is sought during the trip or within one week of the trip's end. Costs not pre-approved by LähiTapiola (particularly repatriation and major transport arrangements) may not be reimbursed. Failure to notify LähiTapiola before incurring legal costs under the legal expenses insurance results in non-coverage.	If the insured undergoes repatriation or other approved expensive treatment without prior insurer approval (etukäteishyväksyntä), the insurer is only obligated to pay the amount that would have corresponded to the cost of transporting the insured to Finland and treatment in Finland. The insurer may also require the insured to return to Finland for treatment if local costs would be significantly higher than equivalent Finnish treatment.
Pre existing conditions	Illnesses with symptoms present before departure or undergoing investigation before departure are excluded as travel illness. Acute unexpected worsening of a pre-existing condition during travel is partially covered: only acute first-aid treatment at the destination, for up to one week.	Pre-existing illnesses are not classified as travel illnesses and are excluded from the main travel illness cover. Limited first-aid cover (max 1 week at destination) applies only if the pre-existing condition worsens unexpectedly and acutely, the worsening was not probable or expected under general medical knowledge, and no investigations or treatments were incomplete at departure. If a specific individual exclusion clause has been noted in the policy certificate for the condition, even first-aid cover is excluded.	Conditions that started before the trip are generally not covered. Exception: a sudden and unexpected acute worsening of a pre-existing condition is covered for first-aid equivalent treatment at the destination for up to 10 days from the start of treatment. Treatment already in progress at departure is excluded.	Conditions that started or whose first symptoms appeared before the trip are not travel illnesses and are generally not covered. Coverage is limited to acute first-aid-type treatment at the destination for sudden, unexpected, unforeseeable deterioration, for up to 7 days from the start of treatment. Pre-existing conditions may require a health declaration (terveysselvitys) when applying for continuous travel insurance (jatkuva matkavakuutus).
Coverage duration limit	Continuous policy: valid for trips starting from Finland, maximum 3 months per trip from departure date. Fixed-term policy: valid for the agreed period anywhere in the world. Trips longer than 3 months must be reported to Fennia before departure and require extended coverage.	Continuous travel insurance: each single trip or stay abroad is covered for a maximum of 45 consecutive days. A return to Finland of less than 14 days does not break the continuity of the trip if the insured intends to return to the same destination. For trips longer than 45 days, additional fixed-term cover must be obtained. Fixed-term travel insurance is valid for the duration stated in the policy certificate (up to 365 days possible). Health declaration required if the fixed-term policy period exceeds 45 days. Travel illness cover requires that medical care is sought within 14 days of the end of the trip.	The fixed-term (määräaikainen) policy is valid for a maximum of 3 months per trip. Illness treatment is covered for up to 120 days from the start of medical care; accident treatment for up to 3 years from the accident date. For trips longer than 3 months, the continuous (jatkuva) policy is required.	The fixed-term travel insurance (Pohjola Määräaikainen matkavakuutus) is valid for a maximum of 3 months (approximately 90 days) from the start of the trip. Coverage ends at the latest 3 months after the trip starts even if the trip continues. If return to Finland is delayed due to reasons beyond the insured's control, coverage is extended by 48 hours. A short domestic stay (under 30 days) does not interrupt a trip that has already exceeded 3 months if the intention is to return to the same destination; however, illnesses starting during such a domestic stay are not covered as travel illnesses.
Proof and next steps
Direct payment policy	When using Fennian Reissuapu 24h (+358 10 503 5503), the insured is directed to a treatment facility that invoices Fennia directly; direct payment to the treating facility is arranged by Reissuapu 24h in cooperation with SOS International. In sanctioned countries (Russia, Ukraine, Syria, Afghanistan, Iran, North Korea, Cuba) direct payment is not available and costs must be paid by the insured first.	Medical fees and hospital charges abroad are in most cases billed directly to If by contracted partner clinics and hospitals. If the insured uses a non-contracted provider, the insured must pay first and then claim reimbursement from If. If may also issue a payment guarantee (maksusitoumus) in advance when contacted via the 24/7 helpline +358 10 19 19 99.	LähiTapiola's 24/7 Matkahätäpalvelu (Travel Emergency Service) coordinates care abroad, including pre-authorising medical transport to Finland when medically necessary; the insurer pre-approves repatriation costs. Direct billing arrangements are handled in cooperation with SOS International. For domestic incidents, policyholders can access LähiTapiola health partners without upfront payment once the deductible is satisfied.	For medical repatriation, surgery, hospital treatment and other major procedures, the insured must contact Pohjola Travel Emergency Service (+358 102 530 011, 24/7) in advance to obtain a payment commitment (maksusitoumus). In emergencies, seek immediate help first. For routine outpatient costs, the insured pays upfront and claims reimbursement afterwards via op.fi or OP-mobile.
Last verified	May 18, 2026	May 18, 2026	May 18, 2026	May 18, 2026