Pohjola Insurance Ltd

Assistance call deadline

There is no fixed deadline to call, but a payment guarantee (maksusitoumus) must be requested from Pohjola Matkahätäpalvelu before hospital care or expensive procedures; claims must be reported within one year of becoming aware of the loss, and in any case within 10 years of the event.

Unauthorized treatment

If the insured refuses insurer-directed transport to Finland when local treatment would be significantly more expensive than equivalent care in Finland, or receives expensive treatment without prior approval, the insurer pays at most the amount equivalent to transport to Finland and treatment there.

Purchase while abroad

Fixed-term travel insurance cannot be purchased or extended while already abroad; it must be bought and paid for before departure from Finland, and at least 3 days before departure to be eligible for cancellation cover.

Chronic conditions

Chronic illnesses that started before the trip are not covered as travel illnesses; only a sudden, unexpected acute worsening during the trip may be covered, and then only as emergency first-aid treatment for up to one week.

Pregnancy

Pregnancy, childbirth or termination of pregnancy and related illnesses or complications are not covered, unless there is a sudden, unexpected change in the pregnancy during the trip requiring immediate treatment that was not foreseeable.

Pre-existing condition exclusions

Illnesses or symptoms that started before the trip are not travel illnesses; only an acute, unforeseeable worsening during the trip is covered, limited to emergency first-aid treatment for a maximum of one week.

Coverage duration limit

Fixed-term travel insurance is valid for a maximum of three months per trip; medical expenses for travel illness are covered for up to 120 days from the start of treatment, and travel-accident treatment for up to 3 years from the accident.

Medical expense reimbursement without upper limit

Travel illness and travel accident medical treatment costs are reimbursed without an upper limit in euros

Trip cancellation coverage

Reimburses advance payment and prepaid travel costs if trip is cancelled due to unforeseen circumstances

Baggage insurance

Covers damage, loss, and theft of baggage and personal belongings during travel

Medical repatriation

Covers cost of medical repatriation of the insured patient and travel/accommodation costs of accompanying person if hospitalization required abroad

Trip interruption coverage

Covers costs arising from unexpected interruption of trip, such as serious illness or death of family member

Age limit - upper

Travel insurance available for persons under age 86

Residence requirement

Insured person must have permanent residence in Finland

Domestic travel coverage area

For domestic travel in Finland, coverage applies when distance is at least 50 km straight line from home, workplace, study place, or holiday home

Maximum coverage duration - fixed-term

Fixed-term travel insurance is valid for maximum 3 months from start of trip

Travel illness definition and time limit

Travel illness is illness requiring medical treatment that started or first symptoms appeared during trip, with treatment given during trip or within 14 days of trip end

Prior approval requirement for expensive treatment

Expensive treatment such as repatriation requires prior insurer approval (etukäteishyväksyntä)

Automatic child coverage

Children under age 15 are automatically included in parent/grandparent's travel insurance when traveling together

Purchase timing requirement

Fixed-term travel insurance must be purchased and paid before departure from Finland