Fennia Mutual Insurance Company
Fennia
Fennia is a travel insurance for the Finland market with online purchase and 24/7 assistance.
Direct payment
Show the Fennia insurance card or English-language insurance certificate to the doctor so the treatment facility can bill Fennia directly; if you pay yourself, keep the original receipts and submit a claim after the trip.
Geographic scope
Worldwide (fixed-term policy) or Finland plus abroad up to 3 months per trip (continuous policy)
A fixed-term travel insurance is valid worldwide for the agreed period. A continuous travel insurance is valid for a maximum of three months per trip starting from Finland; domestic cover requires travel at least 50 km from home.
Unique selling points
- Medical expenses abroad are reimbursed without any euro-denominated upper limit.
- Traveller insurance has no deductible at all for medical claims.
- A single policy can cover the whole family at the same price as one named person.
- Free 24/7 Reissuapu emergency assistance line arranges hospital payment guarantees and repatriation.
- Evacuation and crisis cover includes up to five sessions of psychotherapy in Finland after a crisis event abroad.
Coverage limits
Medical expenses
unlimited
Traveller insurance covers medical costs arising from illness or accident during the trip without a euro-denominated upper limit; illness costs are covered for up to 90 days from the start of treatment and accident costs for up to three years from the accident.
Emergency medical treatment
unlimited
Traveller insurance always includes cover for medical treatment costs caused by an unexpected illness or accident during the trip, with no upper monetary limit.
Hospitalization
unlimited
Hospital costs are part of the uncapped medical expenses cover; hospitalisation during a trip also triggers trip-interruption compensation for lost travel days.
Outpatient treatment
unlimited
Doctor's fees and medicine costs incurred during outpatient treatment abroad are reimbursed as part of the uncapped medical expenses cover, based on original receipts.
Emergency dental treatment
No limit stated
Not addressed as a distinct benefit in the reviewed sources.
Emergency medical transport
Conditional
In addition to medical expenses, Fennia covers costs of transport back to Finland approved in advance by Fennia; approval must always be obtained before repatriation transport is arranged.
Evacuation and crisis cover
€2,000
Covers pre-approved evacuation costs to the nearest safe location, up to EUR 2,000 per insured, when the Finnish Ministry for Foreign Affairs recommends leaving the area due to a natural disaster, armed conflict or act of terrorism, or in cases of life-threatening traffic accidents or violent crime.
Repatriation of remains
Covered
If the insured dies during the trip, reasonable repatriation costs or, alternatively, burial costs abroad are reimbursed according to invoices.
COVID-19 treatment
No limit stated
No named COVID-19 benefit is stated; only a general death benefit for a legally notifiable infectious disease contracted during the trip is described.
Pre-existing conditions
Conditional
An illness whose symptoms appeared before the trip started is not covered, but sudden worsening of a pre-existing condition during the trip is covered only for up to one week of acute first-aid-type treatment at the destination if the worsening was not medically foreseeable.
Winter sports cover
Conditional
Ordinary skiing on marked slopes is covered as normal sporting activity, but downhill speed skating and glacier trekking require a separate sports extension agreement and extra premium, and off-piste skiing outside marked slopes is never covered even with the extension.
Adventure/dangerous sports cover
Optional
Dangerous activities such as combat sports, motorsports, air sports, climbing, glacier or wilderness trekking, ocean sailing, and scuba/free-diving are only covered with a separate agreement and additional premium; American football, rugby and free fighting are excluded even with the extension.
Pregnancy complications
Conditional
Medical costs from the normal progression of pregnancy are not covered; only complications regarded as a disease condition under the policy terms are reimbursed.
Traveller's personal liability
€170,000
Automatically included when the policy contains baggage insurance; covers, up to EUR 170,000 per event with a EUR 150 deductible, personal injury and property damage caused to a third party for which the insured is legally liable.
Traveller's legal expenses insurance
€10,000 – €20,000
Automatically included when baggage insurance is included; covers necessary and reasonable lawyer/court costs up to EUR 10,000 (deductible 15% of costs, min EUR 170), or up to EUR 20,000 under the extended version which also covers the opposing party's awarded court costs (deductible 25%, min EUR 340).
24/7 assistance service (Reissuapu)
Covered
Fennia's Reissuapu 24h service is available around the clock at +358 10 503 5503 to arrange payment guarantees to hospitals and organise medically approved repatriation; partner SOS International also assists in emergencies.
Key conditions
Assistance call deadline
For serious travel illnesses or accidents where a foreign hospital requires a payment guarantee before treatment begins, the insured must contact Fennia's Reissuapu 24h service (+358 10 503 5503) beforehand; repatriation transport always requires Fennia's prior approval.
Unauthorized treatment
Emergency transport back to Finland is only reimbursed if approved in advance by Fennia; costs for treatment at rehabilitation centres, spas or similar institutions are never reimbursed.
Purchase while abroad
The insurance must already be in force when the trip begins; cancellation cover additionally requires the policy to have started at least three days before departure, so cover cannot be purchased retroactively while already abroad on the same trip.
Chronic conditions
Sudden worsening of a pre-existing (chronic) illness during the trip is covered only for up to one week of acute first-aid-type treatment at the destination, and only if the worsening was not medically foreseeable.
Pregnancy
Costs arising from the normal course of pregnancy are not covered; only complications regarded as a disease condition under the policy terms are reimbursed.
Pre-existing condition exclusions
An illness is not considered a covered travel illness, and is excluded, if its symptoms appeared, or examinations were pending, before the trip started, even if diagnosed during the trip.
Coverage duration limit
Medical expenses caused by a travel illness are reimbursed for up to 90 days from the start of treatment; medical expenses caused by a travel accident are reimbursed for up to three years from the accident.
Where to buy
Policy specifics
Trip interruption coverage
Covers costs incurred when trip is interrupted due to illness or injury
SourceBaggage and luggage coverage
Covers loss, theft, or damage to luggage and baggage during travel
SourceEmergency repatriation
Covers emergency medical transport back to Finland for serious illness or injury
SourceTrip delay coverage
Covers costs from missing a connection due to weather, technical fault, or accident
SourceMinimum travel distance requirement
Domestic coverage valid only for trips at least 50 km from residence
SourceClaims submission period
Claim must be submitted within 1 year of damage; maximum 10 years from event
Source24/7 assistance service (Reissuapu)
Free 24-hour emergency assistance for medical problems, injury, or travel emergencies abroad
SourceFamily coverage available
Can purchase traveller insurance for one named person or entire family at same rate
Source