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12 Best Travel Insurance Policies in Finland for Tourists, Students, and Visitors

Last updated on December 19, 2023

Finland is a popular travel destination in Northern Europe known for its breathtaking natural landscapes, vibrant cities, and high quality of life. Travel insurance policies in Finland offer comprehensive coverage for various travel needs. However, getting appropriate travel insurance is essential for any trip to Finland to cover medical expenses, trip cancellations, lost luggage, and other unforeseen incidents.

This comprehensive guide will explore the best travel insurance policies and options in Finland for tourists, students, and other visitors along with tips for choosing the right policy.

An Overview of Travel Insurance in Finland

Finland has a high-quality healthcare system, but medical costs can still be expensive for visitors. Health insurance that covers medical evacuation is highly recommended. Other risks like lost baggage or trip interruptions also need coverage.

Here are some key things to know about travel insurance for Finland:

  • Schengen Visa Requirements – Visitors from certain countries need Schengen visa insurance that provides a minimum coverage of €30,000 for medical emergencies and repatriation.
  • EU Health Insurance Cards – Thesecards only cover basic state healthcare so supplementary insurance is still required.
  • Winter Sports Coverage – Many policies exclude winter sports so check for coverage if you plan to ski, snowboard, or snowmobile.
  • Adventure Activities – High-risk activities like mountain climbing, scuba diving, etc may require additional coverage.

Keep these factors in mind when choosing a suitable travel insurance policy for your trip.

12 Best Travel Insurance Providers in Finland

1. SafetyWingTravel Insurance Policies in FinlandSafetyWing provides global travel medical insurance starting at $37 per month. It covers emergency medical treatment, prescriptions, and hospitalizations abroad.

Key Features:

  • Coverage amounts up to $250,000 or $500,000
  • Deductible options from $250 to $1000
  • Covers COVID-19 and pandemic illnesses
  • No upper age limit

SafetyWing is a great budget option for visitors looking for basic emergency medical coverage in Finland.

2. AXA Schengen Visa Insurance

AXA offers Schengen visa compliant insurance plans starting from €58.90. It covers emergency medical treatment, repatriation, and trip cancellations or interruptions.

Key Features:

  • Covers up to €30,000 medical expenses
  • €50 deductible
  • Valid in all Schengen countries
  • Trip cancellation up to €5,000
  • 24/7 multilingual assistance

AXA is one of the top choices for Schengen visa holders traveling to Finland due to its comprehensive coverage and reputable service.

3. Europ Assistance

Europ Assistance offers Schengen compliant plans starting from €68.25 with worldwide coverage. It covers hospitalization, urgent dental care, repatriation, and loss of luggage.

Key Features:

  • Covers up to €30,000 medical expenses
  • €50 deductible
  • Trip cancellation up to €5,000
  • Lost baggage up to €1,000
  • 24/7 assistance services

Europ Assistance is another leading option for Schengen visa travelers that provides robust medical and trip cancellation protections.

4. World Nomads

World Nomads provides flexible travel insurance for individuals and groups. Plans start from $9 per day and cover emergency medical, evacuations, trip cancellations, and lost luggage.

Key Features:

  • Covers up to $500,000 medical expenses
  • Can be bought after leaving home
  • Covers adventure sports and activities
  • Trip cancellation up to total trip cost
  • 24-hour emergency assistance hotline

World Nomads is ideal for adventurous travelers in Finland looking for comprehensive coverage and flexible plans.

5. Allianz Travel Insurance

Allianz provides travel insurance plans starting at $7.77 per day. It covers trip interruptions, lost baggage, and emergency medical expenses abroad.

Key Features:

  • Covers up to $50,000 medical expenses
  • Trip cancellation up to $10,000
  • Trip delays up to $250 per day
  • Lost baggage coverage included
  • Available as single or multi-trip plan

Allianz is a reputable choice for travelers seeking protection for medical emergencies, baggage, or canceled trips in Finland.

6. Insubuy

Insubuy offers customizable visitor health insurance plans for travel to Finland starting at $1.25 per day. It covers hospitalization costs, doctor visits, prescriptions, and medical evacuations.

Key Features:

  • Covers up to $2,000,000 medical expenses
  • $0 deductible options available
  • Covers emergency dental care
  • 90-day coverage period
  • Pre-existing conditions waiver available

Insubuy is an affordable option tailored specifically for international visitors traveling to Finland.

7. IMG EuropeTraveler

IMG provides international visitor health insurance plans starting at €0.77 per day. It offers coverage for hospitalization, outpatient treatment, prescriptions, and emergency medical evacuations.

Key Features:

  • Covers up to €1,000,000 medical expenses
  • €0 deductible options available
  • Covers cancer treatment abroad
  • 90-day coverage period
  • 24/7 multilingual support

IMG is designed specifically for visitors traveling to European countries like Finland seeking robust medical coverage.

8. STA Travel Insurance

STA Travel offers comprehensive travel insurance plans starting from $25 for students and other travelers. It covers trip interruptions, delays, medical emergencies, and lost baggage.

Key Features:

  • Covers up to $500,000 medical expenses
  • Trip cancellation and interruption up to total trip cost
  • Trip delay benefits up to $2,000
  • Emergency medical transportation
  • 24/7 travel assistance services

STA insurance provides strong protections for student travelers and young adults on trips to Finland.

9. April Travel Insurance

April Travel Insurance offers comprehensive travel plans starting from $30. Core benefits include emergency medical coverage, trip cancellation, lost checked baggage, and 24/7 assistance services.

Key Features:

  • Covers up to $2,000,000 medical expenses
  • Trip cancellation up to $10,000
  • Lost luggage up to $3,000
  • No maximum age limit
  • Pre-existing conditions waiver available

April Travel is ideal for Finland travelers seeking robust medical and trip cancellation coverage.

10. GeoBlue Xplorer

Travel Insurance Policies in Finland

GeoBlue Xplorer offers international health insurance for travelers going abroad. Plans start at $2.48 per day and provide coverage for hospitalizations, doctor visits, prescriptions, and medical evacuations.

Key Features:

  • Covers up to $500,000 medical expenses
  • $0 deductible options
  • Covers COVID-19 expenses
  • 180-day maximum coverage
  • 24/7 multilingual assistance

GeoBlue Xplorer is optimized for extended international trips needing comprehensive medical protections.

11. Seven Corners

Seven Corners provides travel medical insurance for visitors going abroad. Plans start from $1.35 per day and cover hospital bills, doctor visits, emergency medical transportation, and 24/7 travel assistance.

Key Features:

  • Covers up to $500,000 medical expenses
  • Trip cancellation/interruption benefits available
  • Emergency dental care covered
  • Pre-existing conditions waiver available
  • 24-hour travel assistance services

Seven Corners visitor insurance plans provide robust medical coverage and travel protections for visitors to Finland.

12. Battleface

Battleface offers flexible travel insurance plans starting from $30 per trip. It covers emergency medical treatment abroad, trip cancellations or interruptions, lost checked baggage, and travel delays.

Key Features:

  • Covers up to $500,000 emergency medical expenses
  • Trip cancellation up to $30,000
  • Lost baggage coverage included
  • 24/7 emergency assistance services
  • Policies can be bought up to 24 hours after departing

Battleface is ideal for travelers seeking comprehensive coverage and flexible purchase options for trips to Finland.

Choosing the Best Travel Insurance for Finland

Here are some tips for choosing suitable travel insurance for your trip to Finland:

  • Compare levels of medical coverage – Look for policies with emergency medical coverage of at least $50,000 to $100,000. Higher amounts preferred for visitors with health issues.
  • Check trip cancellation coverage – Pick a policy with cancellation coverage equal to the total value of your trip expenses.
  • Consider sports coverage – If you plan on winter sports, check for coverage of skiing, snowboarding, etc.
  • Look for lost baggage coverage – Lost luggage protection starts from $500 to $3000 for checked bags.
  • Check Schengen visa requirements – If you need a Schengen visa, make sure to choose an approved provider that meets minimum policy requirements.
  • Compare deductibles – Average deductibles range from $200 to $500. Higher deductibles can lower premiums.
  • Read policy exclusions – Be aware of exclusions for pre-existing conditions, high-risk activities, certain travel purposes, etc.
  • Check insurer reputation – Pick a travel insurance company known for reliable service and claims processing.

In Conclusion: Having adequate travel insurance is a must for any trip to Finland to protect against costly medical bills or lost trip expenses beyond your control. Comprehensive policies that bundle medical, evacuation, cancellation, lost baggage, and other protections provide peace of mind.

For visitors requiring Schengen visa coverage, be sure to select an approved insurance provider that meets minimum policy requirements for your visa approval. Ultimately, the best travel insurance for your trip depends on your specific needs and budget.

Frequently Asked Questions (FAQs)

Here are answers to some common questions about travel insurance for trips to Finland:

Is travel insurance required for Finland?

Finland does not legally require travel insurance for visitors. However, having emergency medical coverage and other protections is highly recommended for your safety and protection. Some Schengen visa holders are required to have specific levels of insurance.

What is the average cost of travel insurance for Finland?

For basic medical-only coverage, expect rates starting from $1.50 to $5 per day of travel. Comprehensive plans with medical, trip cancellation, and lost luggage coverage range from $7 to $20 per day on average.

Should I buy travel insurance from home or in Finland?

It is typically recommended to purchase travel insurance as soon as you book your trip. This locks in pre-existing medical condition coverage and cancellation protections immediately. However, you can buy supplemental coverage after arriving in Finland as well.

What medical care is covered by travel insurance in Finland?

Most policies will cover emergency hospitalizations, doctor visits, ambulance transportation, emergency dental care, and prescription medications. Evacuations for life-threatening emergencies are also included. Outpatient care may have limits.

How much trip cancellation or interruption coverage should I get?

Look for cancellation and interruption coverage equal to the total prepaid, non-refundable trip expenses subject to cancellation penalties, such as flights, hotels, tours, cruise, etc. Higher coverage amounts provide greater protection.

What is the best travel insurance for Finland visa?

If you need a Finland or Schengen visa, make sure to choose an approved travel insurance company that meets minimum policy requirements such as emergency medical coverage of €30,000 and repatriation coverage.

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