Finnish P&C Insurance Ltd. (Suomen Vahinkovakuutus Oy)
POP Vakuutus
POP Vakuutus is a travel insurance for the Finland market with online purchase and 24/7 assistance.
Direct payment
Many holiday destinations have medical clinics and hospitals that bill POP Insurance directly when the traveller presents their travel insurance card; otherwise the insured pays the costs and claims reimbursement afterwards.
Geographic scope
Worldwide coverage; a continuous (annual) policy is valid for a maximum of 3 months per continuous trip
Valid worldwide on leisure and business trips. In Finland the policy is valid only when the destination is more than 50 km from the insured's home, workplace, study place or holiday residence, and never between such places regardless of distance.
Unique selling points
- Medical expenses from a travel illness or accident are reimbursed with no deductible and no euro ceiling.
- The traveller insurance carries a zero-euro deductible.
- A dedicated 24/7 POP Emergency Travel Service phone line assists with urgent medical situations abroad.
- Many holiday-destination clinics and hospitals bill POP Insurance directly, so the traveller often avoids paying up front.
- Children under 18 travelling with a parent or grandparent are automatically insured without needing a separate policy.
Coverage limits
Medical expenses (illness and accident)
unlimited
Travel medical expenses arising from an acute, unexpected illness or accident during the trip are covered with no deductible and no euro ceiling. Illness-related treatment costs are reimbursed for up to 90 days from the first doctor visit; accident-related treatment costs are reimbursed for up to 3 years from the accident.
Emergency medical treatment
unlimited
Reasonable fees for examinations and treatment by a doctor or healthcare professional are covered without a monetary ceiling, subject to the 90-day (illness) / 3-year (accident) time limits.
Hospitalization
unlimited
Hospital daily treatment fees are covered as part of the uncapped medical expenses benefit, subject to the 90-day (illness) / 3-year (accident) time limits.
Outpatient treatment
unlimited
Outpatient doctor visits, prescribed pharmacy medicines and related tests are covered without a euro ceiling, subject to the 90-day (illness) / 3-year (accident) time limits.
Emergency dental treatment
€200
Sudden toothache first-aid treatment and travel costs are covered up to EUR 200; damage from biting on a tooth/denture is covered up to a separate EUR 200. Dental injury caused by a covered travel accident is instead reimbursed without this cap under ordinary medical-expenses cover.
Transport to treatment during the trip
unlimited
Necessary travel costs incurred during the trip to reach treatment are covered without a ceiling; use of a private car is reimbursed at EUR 0.25/km.
Medical evacuation to Finland
unlimited
Medically necessary transport to Finland (including ambulance flight) and an accompanying escort, plus up to 7 days of travel/accommodation costs for one close relative if the insured is in a life-threatening condition, are covered without a euro ceiling. Cover requires POP Insurance's prior consent before arrangements begin.
Repatriation of remains / burial costs
Covered
If the insured dies during a trip abroad, reasonable transport costs of the deceased to Finland, or equivalent burial costs at the destination, are covered regardless of the cause of death. No numeric ceiling is stated; costs must be reasonable.
Search and rescue
No limit stated
No dedicated search-and-rescue benefit is described in the reviewed terms and conditions or product brochure.
COVID-19 treatment
No limit stated
No explicit COVID-19 clause appears in the reviewed documents (both predate the pandemic); a COVID-19 illness would presumably fall under the general matkasairaus definition but this is not confirmed by the sources.
Pre-existing illness or injury
Conditional
A sudden, medically unforeseeable acute worsening of a pre-existing illness or injury during the trip is covered only for first-aid-type acute treatment for a maximum of 7 days. Not covered if the worsening was probable/expected, or if investigations/treatment were still ongoing when the trip started.
Winter sports cover
Conditional
Recreational skiing/snowboarding on marked slopes, done to maintain fitness, is covered under the general sports rule. Speed/downhill racing, freestyle skiing, and skiing/riding off marked slopes are explicitly excluded.
Adventure / high-risk sports cover
Excluded
The policy is not valid during a long list of high-risk activities: mountain/wall/rock/ice climbing (except wall climbing with safety gear), glacier trekking, combat/contact sports, weightlifting/bodybuilding, motorsports, sport/scuba/freediving, aviation sports (skydiving, hang-gliding, paragliding, ballooning, base/bungee jumping, wind-tunnel training, ultralight flying), American/Australian football, rugby, lacrosse, downhill skating/cycling, ocean sailing, and expeditions into unpopulated wilderness abroad.
Pregnancy complications
Conditional
Pregnancy, childbirth, termination and related complications are excluded, except a sudden, medically unforeseeable acute change in the pregnancy that requires immediate treatment.
Personal liability (Matkavastuuvakuutus)
€200,000
Available within the optional matkatavaravakuutus (baggage insurance add-on), covers personal/property damage the insured or a family member causes to a third party during the trip for which they are legally liable, up to EUR 200,000 per insurance period, with a EUR 200 deductible.
Legal expenses (Matkaoikeusturvavakuutus)
€10,000
Available within the optional matkatavaravakuutus, covers necessary and reasonable legal/court costs of the insured and household members in dispute, criminal and petition matters connected to the trip, up to EUR 10,000, with a 15% deductible (minimum EUR 200).
24/7 emergency assistance
Covered
POP Emergency Travel Service is available 24 hours a day at 0800 950 30 to help with urgent medical needs arising from injury or illness during the trip.
Key conditions
Assistance call deadline
The terms do not set a specific deadline for calling POP's emergency service, but prior consent from POP Vakuutus is required before ambulance-flight evacuation, plastic surgery, a relative's travel to the insured, or crisis therapy is arranged. All claims must in any case be submitted to the insurer within 1 year of the costs arising.
Unauthorized treatment
If the insured refuses a medically justified transfer to Finland or another local facility recommended by the insurer, only the costs corresponding to the alternative facility or to Finland-transport-and-treatment are reimbursed. If the 6-month Kela reimbursement application deadline is missed, the Kela share is deducted from the insurer's payment.
Purchase while abroad
The policy can be taken out mid-trip, but the cover begins at the earliest from the moment the insurance is taken out. Trip-cancellation cover additionally requires the policy to have been purchased at least 3 days before the trip starts, and the cancellation reason must not have arisen before that.
Chronic conditions
A chronic or pre-existing illness is not itself covered as a travel illness; only its sudden, medically unforeseeable acute worsening during the trip is covered, and only for up to 7 days of first-aid-type treatment.
Pregnancy
Pregnancy, childbirth, termination of pregnancy, contraception, infertility treatment/investigation and related complications are excluded, except a sudden, unexpected change in the pregnancy that requires immediate treatment and was not medically probable or expected.
Pre-existing condition exclusions
An illness or injury whose symptoms existed before the trip, or whose investigation/treatment was still ongoing when the trip started, is not treated as a new travel illness even if it is diagnosed during the trip. Only a genuinely unforeseeable acute worsening is covered, and then only for up to 7 days of first-aid-type treatment.
Coverage duration limit
A continuous policy is valid worldwide for a maximum of 3 months per continuous trip. Illness treatment costs are reimbursed only up to 90 days from the first doctor visit, and accident treatment costs only up to 3 years from the accident. The policy expires at the end of the insurance period during which the insured turns 80.
Where to buy
Policy specifics
Unlimited medical expenses
Travel medical expenses covered without monetary limit during trip illness or injury
SourcePre-approved emergency evacuation
Coverage for approved ambulance flights for serious travel illness/injury requiring return to Finland
SourceNatural hazard coverage
Coverage for extra travel and accommodation costs caused by unforeseen natural phenomena or natural disasters affecting journey
SourceTrip cancellation maximum
Trip cancellation coverage for serious illness of close relative maximum compensation EUR 4000
SourceLuggage delay daily allowance
Daily allowance for essential necessities when luggage arrives more than 8 hours late, maximum EUR 100 per day
SourceAge eligibility range
Travel insurance available for ages 0-79 years, valid until end of policy period when insured turns 80
SourcePermanent residence requirement
Must permanently reside in Finland and have valid Kela social security entitlements to be eligible
SourceDomestic trip minimum distance
Travel to destination more than 50 km from home, workplace, study place or vacation residence required
SourceTrip cancellation coverage timing
Trip cancellation coverage only valid if insurance purchased at least 3 days before trip start
SourceCompetitive sports exclusion
No coverage for illness/injury from participation in sports federation competitions, organized matches, training for competitions, or high-risk sports listed in terms
SourcePre-existing condition wording
If prior illness or injury worsens unexpectedly during trip, first aid treatment provided at destination is covered
SourceDirect billing arrangement
Many vacation destinations have medical facilities that bill POP Insurance directly when traveller presents insurance card
Source24-hour emergency service availability
POP Emergency Travel Service available 24 hours for immediate assistance with travel injury/illness requiring care
SourceSources
- https://www.popvakuutus.fi/korvaukset/matka
- https://www.popvakuutus.fi/vakuutukset/henkilovakuutukset/matkavakuutus
- https://www.popvakuutus.fi/vakuutukset/henkilovakuutukset/matkavakuutus/matkavakuutuksen-kilpailutus
- https://www.popvakuutus.fi/vakuutukset/henkilovakuutukset/matkavakuutus/matkustajavakuutus
- https://www.popvakuutus.fi/vakuutukset/henkilovakuutukset/matkavakuutus/mita-matkavakuutus-korvaa