Fennia
Fennia is a travel insurance for the FI market with online purchase and 24/7 assistance.
Direct payment
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.
Geographic scope
FI
Worldwide (kaikkialla maailmassa); continuous policy valid for trips starting from Finland up to 3 months per trip; optional domestic coverage (Finland) for trips at least 50 km from home/workplace/study place/holiday home
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.
Coverage limits
Medical and treatment expenses (illness and accident)
Covered
Covers costs of medical treatment during travel without a monetary upper limit, including doctor fees, hospital charges, and medication. Travel illness treatment costs covered for up to 90 days from start of treatment; travel accident treatment costs covered for 3 years from the accident. Does not cover treatment costs arising from illness whose symptoms appeared before departure, nor stays at rehabilitation, spa or equivalent facilities.
Emergency medical treatment
Covered
Emergency medical treatment abroad is covered without monetary limit as part of the travel medical expenses coverage. For acute exacerbation of a pre-existing illness, only acute first-aid treatment given at the destination is covered, for up to one week.
Hospitalization costs
Covered
Hospital charges are covered as part of the unlimited medical expenses coverage for travel illness (up to 90 days from start of treatment) and travel accident (up to 3 years from accident). No separate monetary cap stated for hospitalization.
Outpatient treatment
Covered
Outpatient treatment costs (doctor fees and medication) are covered without monetary limit as part of the travel medical expenses coverage.
Emergency dental treatment
Covered
Acute dental first-aid treatment (e.g. toothache or chipped tooth causing pain) given at the travel destination is covered as a travel illness or accident. Follow-up or continuing dental treatment after return to Finland is not covered.
Medical transport (repatriation to Finland)
Covered
Costs of medically necessary transport back to Finland are covered in addition to treatment costs, provided the transport is pre-approved by Fennia. Reissuapu 24h arranges and approves the transport in cooperation with SOS International.
Evacuation and crisis coverage
Covered
Covers insurer pre-approved evacuation costs to the nearest safe location up to EUR 2,000 per insured, when Finland's Foreign Ministry recommends leaving an area due to sudden natural disaster, armed conflict or terrorist act. Also covers up to 5 psychotherapy sessions in Finland per insured event following qualifying crisis events during travel abroad.
Repatriation of remains
Covered
If the insured dies during travel, reasonable costs for repatriation of remains to Finland are covered according to invoices, or alternatively reasonable burial costs abroad.
Search and rescue costs
Not offered
Search and rescue costs as a standalone benefit are not mentioned in the policy documents. The evacuation cover (up to EUR 2,000) addresses evacuation in crisis situations but does not explicitly cover mountain/sea rescue costs.
COVID-19 treatment
Covered
Covered as a travel illness (matkasairaus) for up to 90 days from the start of treatment. Asymptomatic testing and certificates are not covered. Trip cancellation due to destination epidemic situation, quarantine without illness, or travel restrictions/advisories is not covered.
Pre-existing conditions
Conditional
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.
Winter sports coverage
Conditional
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.
Adventure / dangerous sports extension
Optional
An optional sports extension (additional premium via separate agreement) is required for: competitions/matches organized by sports federations/clubs, and listed dangerous sports including combat sports, motor sports, aviation sports, climbing sports, downhill skating, glacier/high-altitude hikes (>3,000 m), wilderness treks outside Nordics, ocean sailing, scuba/free diving. Permanently excluded even with extension: American football, rugby, MMA, off-piste skiing.
Pregnancy complications
Conditional
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.
Traveller's personal liability
Covered
Included when the policy includes baggage insurance. Covers personal injury and property damage caused to a third party for which the insured is legally liable. Coverage amount EUR 170,000 per event. Deductible EUR 150 per event. Does not cover pure financial losses, damage to property in the insured's custody, or damage caused by traffic accidents.
Traveller's legal expenses insurance
Covered
Included when the policy includes baggage insurance. Covers reasonable and necessary legal fees in dispute, criminal and petition matters related to travel. Coverage amount EUR 10,000 (EUR 20,000 with extended legal expenses option). Deductible: 15% of legal costs, minimum EUR 170. Extended option (20,000 EUR) available to contract customers, deductible 25% min EUR 340.
24/7 emergency assistance (Reissuapu 24h)
Covered
Fennian Reissuapu 24h service available 24/7 at +358 10 503 5503. Operated in cooperation with SOS International. Directs insured to treatment, arranges direct billing where possible, gives pre-approval for medical transport to Finland, and assists with travel arrangements in case of trip interruption.
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.
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.
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.
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).
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.
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.
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.
Documents
Fenniaturvan matkavakuutukset - tuote-esite (voimassa 1.1.2023 alkaen)
other
Fenniaturvan matkavakuutukset - esite PDF (voimassa 1.1.2023 alkaen)
other
Fenniaturvan vakuutusehdot F400-F300 (matkustajan vastuu- ja oikeusturvavakuutus)
terms_and_conditions
Fenniaturvan vakuutusehdot F20-F100 (matkatavaravakuutus)
terms_and_conditions
Fenniaturvan yleiset sopimusehdot
terms_and_conditions
Henkilöasiakkaiden tuote-esitteet ja vakuutusehdot - hakemistosivu
other
Policy specifics
Trip cancellation coverage
Covers costs of cancellation if trip needs to be cancelled due to illness, injury, or death before departure
Trip interruption coverage
Covers additional travel and accommodation costs if trip must be cut short due to illness, injury, or hospitalization
Emergency medical repatriation
Covers emergency medical transport to Finland in serious illness or injury situations
Baggage and luggage coverage
Covers theft, damage, and loss of travel luggage and personal items
Delayed baggage coverage
Covers costs of essential items if baggage is delayed minimum 5 hours after arrival
Continuous vs. temporary coverage
Continuous insurance is always active for up to 3 months per trip; temporary insurance covers single specific trips
Domestic and international coverage options
Coverage can be limited to international travel outside Finland or extended to include domestic travel within Finland (minimum 50 km from residence)
Age limits for coverage
Travel insurance available to all individuals under 85 years of age
24-hour emergency assistance service
Fennian Reissuapu 24h service provides round-the-clock emergency assistance internationally for medical situations and travel emergencies
Family coverage option
Can be purchased for individual or entire family at same price regardless of family size (2+ members)