Europ Assistance S.A. (operating in Finland via Europ Assistance S.A., Irish Branch)
Europ Assistance
Europ Assistance is a travel insurance for the Finland market with online purchase and 24/7 assistance.
Direct payment
Expenses must be pre-authorised by Europ Assistance before being incurred; the insurer directly organises and pays for authorised emergency medical care, hospital transfers, medical repatriation and mortuary transport, while any costs incurred without prior agreement are not reimbursed.
Geographic scope
Schengen Area; Schengen Plus adds Cyprus, Ireland and the United Kingdom
Schengen covers all Schengen area member states (including Germany, Austria, Belgium, Bulgaria, Croatia, Denmark, Spain, Estonia, Finland, France, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Norway, Netherlands, Poland, Portugal, Czech Republic, Romania, Slovakia, Slovenia, Sweden and Switzerland) per the T&C's territorial limits table; Schengen Plus extends cover to Cyprus, Ireland and the UK in addition to the Schengen area. Note: the Schengen Plus IPID uses an older wording listing 'Schengen area plus Bulgaria, Croatia, Cyprus, Ireland, Romania' which predates Bulgaria, Croatia and Romania's accession to the Schengen area; the governing T&C (Article 7) is authoritative.
Unique selling points
- Insurance certificate is issued immediately after purchase and is recognised by embassies, consulates and visa centres for Schengen visa applications.
- No medical pre-screening or medical exam is required to purchase the policy.
- 24/7, 365-days-a-year multilingual emergency travel assistance line for authorisation and support.
- Schengen Plus provides medical expense cover up to 60,000€, double the 30,000€ minimum required for a Schengen visa application.
- Full premium refund is available if the Schengen visa application is refused, subject to providing valid proof of the refusal.
Coverage limits
Medical expenses within territorial limits
€30,000 – €60,000
Covers emergency medical fees and prescribed medication at first assistance, hospitalisation transfer costs, and emergency ambulance costs incurred within the territorial limits, up to 30,000€ per person per claim for Schengen and 60,000€ for Schengen Plus.
Emergency medical fees and first treatment
€30,000 – €60,000
Emergency medical and surgical fees and medication prescribed at the first assistance visit are covered up to the same overall medical expenses limit (30,000€ Schengen / 60,000€ Schengen Plus); ongoing medication for extended or chronic treatment is excluded.
Hospitalisation costs
€30,000 – €60,000
Covers transfer to the nearest hospital or clinic when sudden illness or accidental injury requires immediate medical care and the insured is deemed unfit to travel; costs are covered within the same overall medical expenses limit and cease once the insurer's medical advisor deems repatriation possible.
Outpatient treatment
€30,000 – €60,000
Outpatient emergency medical treatment is covered as part of the overall medical expenses limit (30,000€ Schengen / 60,000€ Schengen Plus); minor conditions treatable locally that do not prevent continuing the trip are excluded.
Emergency dental expenses
€100
Urgent dental expenses are covered up to 100€ per person per claim (same limit in both Schengen and Schengen Plus), excluding root canal treatment, orthodontics, cosmetic reconstruction of prior work, dentures, veneers and implants.
Emergency ambulance transport
€30,000 – €60,000
Covers urgent ambulance transport ordered by a doctor in an emergency, within the same overall medical expenses limit (30,000€ Schengen / 60,000€ Schengen Plus).
Medical repatriation / evacuation
Covered
The insurer organises and covers, at actual cost, the medical transfer of the insured to a hospital closer to their usual place of residence by air ambulance, helicopter ambulance, scheduled airline or rail, as required by medical necessity. Air and helicopter ambulances are only used within the territorial limits. Refusal of the proposed transfer suspends related cover.
Repatriation of mortal remains
Covered
In the event of death during the trip, the insurer organises transport of the body from the place of embalming to a place of burial or cremation within 75km of the insured's legal residence address, at actual cost, covering transport and mandatory administrative procedures only; funeral ceremony, burial/cremation, autopsy, and funeral home viewing costs are excluded. A separate coffin allowance of 800€ (Schengen) / 1,200€ (Schengen Plus) is also provided.
Mountain/sea/cave/desert search and rescue
Excluded
Mountain, cave, sea or desert rescue is explicitly excluded from cover.
COVID-19 / epidemic treatment
Excluded
Epidemics and/or infectious diseases that appear suddenly and spread rapidly, as well as quarantine-related consequences, are explicitly excluded from cover. A separate 130€ trip-cancellation indemnity related to Covid-19 exists under Schengen Plus, but this is a cancellation benefit, not treatment cover.
Pre-existing medical conditions
Excluded
Any pre-existing medical condition is excluded from cover, applying equally to the onset or worsening of an illness and/or injury.
Winter sports cover
Excluded
Consequences arising from the practice of winter sports, competitions or motor sports are explicitly excluded.
Adventure sports cover
Excluded
Adventure sports such as rafting, bungee jumping, hydrospeed and canyoning, as well as boxing, weightlifting, wrestling, martial arts, glacier mountaineering, luge, scuba diving, caving and water ski jumping, and air sports in general, are explicitly excluded.
Pregnancy complications
Conditional
Pregnancy diagnosis and emergency treatment before 16 weeks are covered under the general medical expenses limit, excluding voluntary termination of pregnancy; diagnosis, monitoring and management of pregnancy beyond 16 weeks, including childbirth, newborn care, infertility treatment and IVF, are not covered.
24/7 emergency assistance
Covered
A 24/7, 365-days-a-year emergency travel assistance phone line is provided (+34 91 536 82 96) for authorisation, claims notification and support during the trip.
Key conditions
Assistance call deadline
Europ Assistance must be contacted by phone before incurring any expense so it can be pre-authorised; supporting claim documents must then be sent within a maximum of 7 days from the date of the covered event.
Unauthorized treatment
Any expenses incurred without Europ Assistance's prior agreement will not be reimbursed under any circumstances.
Purchase while abroad
The policy must be purchased before the trip begins; it cannot be taken out once the insured has already departed and started travelling.
Chronic conditions
Costs linked to any condition that has become chronic are excluded from the medical expenses cover, consistent with the general pre-existing conditions exclusion.
Pregnancy
Pregnancy diagnosis and emergency treatment before 16 weeks are covered (excluding voluntary termination); diagnosis, monitoring, childbirth, newborn care beyond 16 weeks, and infertility/IVF treatments are excluded.
Pre-existing condition exclusions
Any pre-existing medical condition, and the onset or worsening of an illness or injury connected to it, is excluded from cover.
Coverage duration limit
A single policy can cover multiple trips and can last from 1 to 365 days, but no individual trip may exceed 4 months; all insured persons must be 74 years or younger at the time of purchase.
Where to buy
Policy specifics
Accommodation for extended stay
Coverage for accommodation expenses if hospitalization prescribed by doctor requires extension of stay
SourceReturn costs of accompanying person
Coverage for return travel costs of a person accompanying the insured person
SourceArrangement for return of unaccompanied child
Europ Assistance organizes and covers return journey for child under 14 to country of residence
SourceCoffin costs
In case of death of the insured during the trip, the cost of the minimum regulatory wooden coffin, handles and identification plate is covered.
SourceCOVID-19 trip cancellation indemnity
A 130 EUR indemnity is paid for non-refundable Schengen visa and related administrative fees if the trip must be cancelled and cannot be rescheduled within 90 days for specific Covid-19-related reasons (official travel restrictions, insured testing positive and unfit to travel, or an immediate family member testing positive and unfit to travel).
SourceAge limit for insured persons
All insured people must be aged 74 or younger at the moment of purchase
SourcePrior agreement requirement for expenses
All expenses engaged without prior agreement from Europ Assistance will not generate any reimbursement
SourceTerritorial limits of coverage
Coverage starts when leaving country of residence and entering Schengen area; ends when leaving territorial limits or at policy end date
SourcePre-existing medical conditions exclusion
Any pre-existing medical conditions are excluded from coverage
SourceOfficial travel advisory compliance requirement
Coverage only applies if insured has respected official travel recommendations issued by government authority of country of residence
Source7-day waiting period
Following subscription, a 7-day waiting period applies during which no compensation is payable for sudden illness or accidental injury arising in that period.
SourceOne covered event per policy and per year
For all guarantees, each insured person may only claim one covered event per policy and a maximum of one covered event per year; additional covered events will not be processed.
Source