Turva
Turva is a travel insurance for the FI market with online purchase and 24/7 assistance.
Direct payment
The insured must normally pay medical costs themselves, then claim the Kela (National Health Insurance) portion from Kela and submit the remainder to Turva. For overseas travel claims handled by Turva's travel emergency service (Matkahätäpalvelu), the insured must provide Turva with a Kela power-of-attorney. Turva may deduct any Kela portion the insured fails to claim on time.
Geographic scope
FI
Worldwide on trips starting from Finland; not valid in uninhabited areas outside the Nordic countries (deserts, jungles, wilderness, glaciers) when more than one day's walk from permanent settlement and road connections. Greenland, Arctic Ocean islands and Svalbard excluded from Nordic countries.
Unique selling points
- No deductible on the traveler's medical expense cover — all eligible treatment costs from the first euro are reimbursed.
- Turva has been ranked Finland's most satisfied insurance customers for 14 consecutive years in the EPSI Rating study (2025 result).
- 24/7 SOS emergency assistance abroad via dedicated helpline (+358 1019 5111) and the TaskuTurva mobile app, which includes a medical facility finder and digital insurance card.
- Children under 18 travelling with the insured are automatically covered at no extra cost, without needing to be named on the policy certificate.
- A permanent 10% discount is available to members of Finnish trade unions, providing ongoing savings on the travel insurance premium.
Coverage limits
Medical expenses
Covered
Turva covers treatment costs of illnesses and injuries incurred while traveling with no upper limit in euros (ilman euromääräistä ylärajaa).
Emergency medical treatment
Covered
Emergency and acute medical treatment at the destination is covered as part of the traveler's medical expense cover. Turva has the right to direct treatment location and may require the insured to be transported to Finland for treatment if local costs would be significantly higher than equivalent Finnish treatment.
Hospitalization (daily fees)
Covered
Hospital daily fees are covered as part of medical expenses under the traveler's medical expense cover. The amount is subject to the overall insured sum stated on the policy certificate.
Outpatient treatment
Covered
Costs of examinations, treatments, and procedures performed by a licensed physician, dentist, or other healthcare professional are covered as outpatient treatment under the traveler's medical expense cover. Necessary travel costs at the destination related to these visits are also covered.
Emergency dental (sudden toothache / biting injury)
Covered
Costs of necessary emergency first-aid treatment for sudden toothache or a chipping/biting injury to a tooth, dental prosthesis, or jaw joint occurring during an international trip are covered up to a maximum of EUR 120 including travel costs. Treatment must have been received during the trip or within 7 days of returning to Finland. Dental disease treatment is otherwise excluded; only emergency first-aid treatment (e.g. opening an abscess, starting root canal, filling, or extraction) is covered.
Medical transport (ambulance transport to Finland)
Covered
Reasonable costs of Turva-pre-approved medical evacuation transport to Finland and a medically necessary escort are covered when the insured has received medical treatment at the destination and medical grounds compel return to Finland. Travel costs at the destination to reach medical facilities are also covered.
Medical evacuation
Covered
Medical evacuation is covered as part of the ambulance transport (sairaankuljetus) benefit when a serious travel illness or travel accident requires medically justified return to Finland and Turva has approved the evacuation in advance. If the insured refuses transfer to another facility or to Finland, only the costs corresponding to that transfer are reimbursed.
Repatriation of remains / funeral costs abroad
Covered
If the insured dies during a trip while coverage is in force, reasonable costs of repatriating the remains to Finland or, alternatively, reasonable and necessary funeral costs abroad are covered based on original invoices.
Search and rescue
Excluded
Search and rescue costs as a standalone benefit are not mentioned or covered in the policy terms. The policy excludes coverage in uninhabited areas outside the Nordic countries when more than one day's walk from permanent settlement and roads.
COVID-19 treatment
Covered
COVID-19 is not explicitly excluded from the policy. A travel illness (matkasairaus) is defined as an unexpected and sudden illness requiring medical care that is medically considered to have originated during the trip. COVID-19 acquired during travel would therefore generally qualify as a travel illness subject to standard policy conditions. Diseases with an incubation period longer than 7 days are not subject to the 7-day post-trip treatment deadline.
Pre-existing conditions (acute sudden deterioration)
Conditional
For an illness or injury existing before the trip, only acute, first-aid-type treatment given at the destination is covered, and only for a maximum of 10 days from the start of treatment. No other costs (e.g. repatriation transport) are covered under this provision. An unexpected deterioration is assessed on medical grounds. A condition whose treatment or investigations were already ongoing at departure is not considered unexpected deterioration.
Winter sports cover
Conditional
Recreational skiing and snowboarding on marked slopes is covered under the standard policy. Off-piste skiing/snowboarding (outside marked slopes), speed and downhill racing, and freestyle skiing are listed as high-risk sports excluded for persons aged 18 and over unless a separate sports extension is purchased. Competitive winter sports are also excluded for those 18 and over.
Adventure / high-risk sports cover (persons 18+)
Excluded
For persons aged 18 and over, the policy explicitly excludes a long list of high-risk sports including: strength sports (weightlifting, powerlifting, bodybuilding), combat/contact sports (boxing, wrestling, martial arts, fencing), motor sports (rally, motocross), climbing (mountain, rock, ice, wall climbing except indoor wall climbing with safety equipment), aviation sports (skydiving, paragliding, hang-gliding, hot-air balloon, parasailing, base jumping, wind tunnel, ultralight aircraft), wing- and kite-sailing, kite-surfing, kite-skiing, off-piste/freestyle skiing/speed skiing, American/Australian football, rugby, lacrosse, bungee jumping, sports/equipment/free diving, roller derby, downhill cycling/skating, parkour, and ocean sailing. One-off trials of these sports are also excluded. A separate sports extension (urheiluturva) may be purchased.
Pregnancy complications (before week 29)
Conditional
Emergency first-aid medical costs at the destination arising from a sudden and unexpected deviation from normal pregnancy before gestational week 29 are covered for a maximum of 10 days from the start of treatment. All other pregnancy-related costs (normal pregnancy, childbirth, miscarriage, fertility treatment, termination) are excluded.
Personal liability
—
Turva's matkavastuuvakuutus (travel liability) terms exist in their 2025 policy document (section 14) but no specific EUR coverage amount was publicly retrievable via web search.
Legal assistance
€8,500
The most common travel legal assistance insurance amount in Finland is EUR 8,500 per incident (FINE). Turva's matkaoikeusturvavakuutus is expected to follow this industry standard, but a Turva-specific confirmed figure was not found in public sources.
https://www.fine.fi/oppaat/julkaisu/perustietoa-oikeusturvavakuutuksista.html
24/7 SOS emergency assistance abroad
Covered
A 24/7 SOS emergency assistance helpline for overseas travel emergencies is available at +358 1019 5111. The TaskuTurva mobile application provides access to emergency instructions, nearest medical facility locator, and the insurance card. The insurer (Turva) runs its own travel emergency service (Matkahätäpalvelu) for overseas travel claims.
Key conditions
Assistance call deadline
The insured must contact Turva before undergoing examination or treatment if Turva so requires. Turva has the right to direct where examinations and treatment are carried out. Treatment and examination may also be performed via remote services if medically possible.
Unauthorized treatment
If the insured refuses medically indicated transfer to another facility or repatriation to Finland that Turva has ordered, reimbursement will be limited to the costs that would have been incurred at the alternative facility or in Finland. Costs exceeding the country's general price level are reimbursed only at that general price level.
Purchase while abroad
The insurance must be purchased and paid before the start of the trip. A fixed-term travel insurance becomes effective only when the invoice is paid by the due date. Trip cancellation cover does not apply if the insurance is purchased and paid later than 3 days before the trip departure, or if the reason for cancellation arose before the insurance was taken out, paid, or before the trip was booked.
Chronic conditions
Pre-existing illnesses and injuries are not covered as travel illnesses. However, acute, sudden, and unexpected deterioration of a pre-existing condition that occurs during the trip is covered for emergency first-aid treatment at the destination only, for a maximum of 10 days from the start of treatment. Deterioration of a condition whose treatment or investigations were already ongoing at departure is not considered unexpected.
Pregnancy
Normal pregnancy, childbirth, miscarriage, infertility treatment, and termination of pregnancy are excluded. Acute, sudden, and unexpected complications deviating from normal pregnancy before gestational week 29 are covered as emergency first-aid treatment at the destination for a maximum of 10 days from the start of treatment.
pre_existing_conditions
Travel illness coverage applies only to conditions that have started during the trip while coverage is in force. A condition whose symptoms appeared before the start of the trip, or whose investigations or treatments were already ongoing at departure, is not a travel illness even if diagnosed during the trip. For a pre-existing condition, only acute emergency first-aid treatment at the destination is covered for a maximum of 10 days (see 'chronic_diseases').
coverage_duration_limit
A fixed-term travel insurance is valid for trips starting from Finland for the agreed period, but for a maximum of three months. The insurance must be purchased before the start of the trip. Medical expense cover for travel illness is reimbursed up to a maximum of 120 days from the commencement of medical treatment. Travel accident medical costs are covered up to 3 years from the accident.
Where to buy
Policy specifics
Trip cancellation
Compensation for prepaid travel and accommodation costs if trip is cancelled due to covered reasons such as sudden illness or family member death
Trip interruption
Compensation for additional travel and accommodation costs and lost travel days when ongoing trip is interrupted due to sudden illness, injury, or death of insured or family member
Late departure
Compensation for travel costs when insured misses connecting transport due to unexpected reasons, preventing completion of original travel plan
Baggage insurance
Optional separate coverage for theft, loss, or damage to belongings during trip; can also cover costs of purchasing necessities if baggage is delayed
Pre-existing illness limitation
For illness existing before trip, only acute emergency first aid treatment at destination up to 10 days is covered, not ongoing treatment
Trip duration limit
Fixed-term travel insurance is valid for trips starting from Finland for the agreed period, up to a maximum of three months from the start of the trip.
Domestic coverage area
Domestic trip coverage applies when trip destination is more than 50 km from home, workplace, study location, or holiday home; transit between these locations not covered
Competitive sports exclusion
Travel insurance does not cover competitive sports (organized competitions requiring license or disclaimer), nor training for competitive purposes
Policy purchase timing
Insurance should be purchased at least 3 days before trip departure for trip cancellation coverage to apply