Australian wildfires and traveller's insurance

Wildfires continue to ravage Australia after several months, and the Ministry for Foreign Affairs of Finland has advised against unnecessary travel in areas affected by fires. Changes in travel plans are possible as the result of wildfires. We have summarised important information about traveller's insurance below.

Cancelling a trip

Traveller’s Crisis Cover included in Pohjola Traveller’s Insurance covers the costs of cancelling a trip due to a natural catastrophe in the travel destination when the trip is planned to begin in less than 60 days. Travel Cancellation Cover included in OP-Visa Platinum cards may also cover cancellation costs. Before claiming compensation with us, you must cancel the trip with the tour operator or service provider and file a claim for any refunds to which you are entitled. You can claim compensation for the costs of a cancelled trip in OP eServices.

Our other travel insurance products do not cover the costs of a cancelling a trip due to conditions at the travel destination.

Evacuation expenses

Traveller’s Crisis Cover included in Pohjola Traveller’s Insurance and Evacuation Cover included in Corporate Travel Cover cover the costs of evacuating from a natural catastrophe. If the Australian authorities advise travellers to leave an area affected by fire or its vicinity, we may cover additional travel and accommodation costs resulting from the evacuation. For detailed information on coverable expenses, see your insurance terms and conditions. If you have any questions about your insurance coverage, call the Pohjola Insurance telephone service.

Our other travel insurance products do not cover evacuation expenses or the costs of interrupting a trip due to conditions at the travel destination.

If you need medical assistance

Injuries suffered due to wildfires may be covered as a travel accident. Psychological symptoms due to wildfires may be covered as travel illness, provided that no symptoms existed before the trip.

When travelling abroad, Pohjola Insurance’s 24h Travel Emergency Service provides

  • help in finding a reliable doctor or hospital
  • personal assistance in case of illness or injury
  • a payment commitment for hospital treatment, surgery or other procedure
  • contact with a doctor to discuss your situation, such as the treatment proposed to you.

Pohjola Travel Emergency Service: +358 (0)10 253 0011

For detailed instructions, see Pohjola Claim Help. Claim Help also helps you find the nearest doctor or hospital recommended by our partner.

Delayed departure

If your flight (or some other mode of transport with a booking) is unable to depart on time due to wildfires and the delay lasts for four hours or longer, you can claim compensation for the costs of the alternative route under Pohjola Traveller’s Insurance. Most of our other traveller’s insurance products offer reimbursement of expenses after a qualifying period, as specified in the insurance terms and conditions.

Missed departure

If you miss a connection due to wildfires, you can claim compensation for the resulting additional travel and accommodation costs under your Traveller’s Insurance. However, you must always first claim compensation from your tour operator or service provider.

Filing a claim

For more instructions on how to proceed in a loss situation and the link to the loss report, visit Pohjola Claim Help. 

Follow changes in the situation on the Ministry for Foreign Affairs website