Travel insuranceCover for passengers and luggage
In case of travel illness or accident
The Traveller's insurance Medical Treatment Cover compensates treatment expenses for an illness or injury that began or occurred during the trip without any upper limit in euros. If you wish, the insurance policy will also cover travel illness treatment during domestic trips.
Excellent cover also for luggage
By adding luggage insurance to your travel insurance, you can apply for compensation if your luggage is broken, damaged, lost or stolen during the trip.
Cover for the costs of cancellation
The Traveller's insurance Travel Cancellation Cover compensates expenses caused by cancellation of a journey that the tour operator is not obliged to return, up to the maximum amount of compensation.
Choose a continuous or fixed-term travel insurance
If you travel in Finland or abroad more frequently than once a year, we recommend choosing a continuous travel insurance as the more convenient option. Then your insurance will always be valid when travelling.
Pohjola Claim Help and Travel Emergency Service at your service at all times
The Pohjola Claim Help service provides instructions on what to do in case of loss while travelling, and the Travel Emergency Service assists in all matters related to travel illness or injury 24/7/365.
Travel insurance discount for prime customers
When you are a Pohjola Insurance prime customer, you receive a discount on our continuous travel insurance. Learn more about the discounts and benefits of our prime customers and request an offer of multiple insurance policies conveniently online.
Travel insurance for yourself and your family
When on holiday, you should forget about your daily troubles and just enjoy yourself. And should there be trouble, Pohjola Travel insurance is there for you. Traveller's insurance coverage includes:
- medical treatment expenses for travel illnesses and accidents without an upper limit or deductible
- costs arising from the cancellation or interruption of the trip
- medical flights to Finland that have been approved in advance by the insurance company, if the medical condition of the passenger so requires.
If a family travels a lot, each family member, including children, should have continuous traveller’s insurance.
Luggage insurance can be taken out either for your whole family or individually. Depending on your choice, the insurance will cover the following:
- When you take out an insurance policy that covers the whole family, the policy covers the luggage of all family members living in the same household, even if they travel separately from the rest of the family.
- If you take out personal Luggage Insurance, the policy covers the luggage of all family members living in the same household when you travel together in addition to your own luggage.
Read more: Covid-19 and travel insurance – How does insurance cover you in different situations?
Continuous or fixed-term travel insurance
If you travel several times a year, travel insurance that is continuously valid is often the cheaper alternative. Continuous travel insurance is especially useful if you also travel within Finland, since by adding your travel insurance to cover domestic journeys, it will also cover visits to grandparents and ski trips.
You can tailor a continuous insurance policy to your needs, and it will be valid until you turn 100. As your continuous travel insurance is always valid when booking new trips, you will get the most out of its extensive cancellation cover.
The best travel insurance is the kind that meets your needs exactly. If you only travel occasionally, a fixed-term travel policy taken for each trip is a good and inexpensive option.
|When is it best?||When travelling several times each year in Finland or abroad.||When travelling only around once a year.|
|Where is it valid?||On trips outside Finland. Domestic travel can also be included in the policy.||In the country or countries you have selected.|
|For how long
it is valid?
|On all trips of up to the maximum duration you have selected. We recommend a maximum duration of at least 45 days, and it may be up to 4 months depending on your selection. If you need insurance for a longer trip or are going abroad on exchange, contact our customer service.||According to your selected start and end dates.|
|Are children insured?||Children require their personal traveller's insurance.||Children under the age of 15 are included in the insurance when travelling with parents or grandparents.|
|How does it cover cancellations?||Cancellations are covered up to the maximum compensation you have selected. Depending on your travel habits, you can select a maximum compensation higher than 3,000 euros.||Covers cancellation costs up to 3,000 euros.|
|How adjustable is it?||The maximum trip duration and content of insurance can be adjusted extensively to suit your needs.||Offers mostly fixed cover that can’t be adjusted. You may choose to include cover in case of permanent disability or death.|
|Is there a minimum or maximum age?||The insurance may be granted to babies already during pregnancy and up to persons aged 99. Expires at age 100.||May be granted to ages 0–85, expires at age 86.|
I value the ease of continuous travel insurance: I do not have to separately purchase insurance for each trip and fill in the required forms. A continuous policy also comes in handy if I opt for a last minute deal – I have much less to prepare before the trip since insurance is already taken care of.
Travel insurance - a small price for comprehensive cover
If you fall ill or have an accident while abroad, the cost of travel insurance is small compared to the cover it provides. The costs of medical treatment provided abroad and possible medication may rise to several hundreds or even thousands of euros, many times the price of even the most comprehensive travel insurance.
When comparing travel insurance policies and their prices, be sure to also look at what the travel insurance covers. We also recommend you to consider how to get the most comprehensive cover against illness or injury during foreign and domestic trips. Continuous travel insurance is also valid for domestic trips if you wish. This allows you to travel in Finland without any worries.
The Traveller's insurance Travel Cancellation Cover compensates costs caused by cancellation of a journey. Remember to take out and pay for the insurance at least three days before your trip to ensure that the cancellation cover is valid.
The prices of travel insurance policies also vary depending on whether you also insure your luggage or what sum you select as the maximum compensation for cancellation cover, for example. A cheap travel insurance may not always be the best option for your needs.
Be sure to take into account the services included in the travel insurance. When selecting Pohjola Travel Insurance, you will have access to the Travel Emergency Service, Pohjola Health Advisor and Pohjola Claim Help.
Travel Emergency Service assists when abroad, Pohjola Health Advisor when in Finland
In an emergency, you can visit any doctor or hospital for first aid. Visit Pohjola Claim Help to find our partner doctors close to you, whether you are in Finland or abroad.
When travelling outside Finland, you can also call the Pohjola Travel Emergency Service for assistance in finding a trusted doctor or hospital at your destination. The Travel Emergency Service provides assistance in Finnish, Swedish and English from the number +358 102 530 011.
When travelling within Finland, the Pohjola Health Advisor service provides assistance in the event of an illness or accident. Call or use the app to chat with the Health Advisor, and they will evaluate your symptoms and refer you to the correct treatment if necessary. The service is free of charge for Pohjola Insurance customers.
Remember to also insure your luggage
It is recommended that you include luggage insurance in your travel insurance to cover your luggage throughout the world. We compensate, for example, if your luggage is delayed, your camera is broken or your wallet is stolen.
Travel liability insurance and legal expenses travel insurance are also always incorporated in luggage insurance. Travel liability insurance provides compensation if, during your journey, you cause loss to others for which you are liable by law. Legal expenses insurance, on the other hand, helps you with legal expenses related to disputed civil cases, criminal cases or non-contentious civil cases.
Planning on trying out high-risk sports?
Travelling is an excellent way to experiencing and trying out new things. However, travel insurance does not automatically cover, for example, competitive sports or high-risk sports; for them, you need to take out an extension. So please contact our customer service if your journey involves, for example, combat sports, parachuting, scuba diving or off-piste skiing.
At the moment, travelling requires special measures and circumstances can change suddenly. You should take care of your travel insurance already when booking the trip to maximise the coverage, for example, in the case of cancellation. Pohjola Traveller’s insurance provides cover in case of illness and accidents during your trip, and it also covers expenses of the trip if cancelled due to an illness, for example.
How does travel insurance cover Covid-19 medical treatment expenses abroad?
Pohjola Traveller’s Insurance covers the medical treatment expenses of a Covid-19 infection contracted while travelling without a monetary upper limit. The insurance covers the costs of hospitalisation and hospital isolation, for example.
Does my travel insurance cover Coronavirus testing?
Coronavirus testing can be compensated when ordered by a doctor to examine symptoms that have started during the journey. Coronavirus testing is not covered, for example, if you want to be able to board a flight or enter a country, or to be granted a Covid-19 certificate. Coronavirus testing based solely on exposure to a Covid-19 infection will not compensated.
How are costs arising from isolation and quarantine covered by travel insurance?
Necessary extra travel and accommodation costs may be covered if, during the trip, you are, for example, ordered to isolate due to a Covid-19 infection and have to buy a new return ticket to replace the original one. In the case of mere exposure to the coronavirus, the travel insurance does not cover quarantine costs.
Cancellation of a trip – does travel insurance cover a trip that was cancelled due to Covid-19?
Traveller's insurance covers the costs of a cancelled trip, for example, if you or your next of kin fall ill after booking the trip and have to cancel the trip. The Traveller’s Crisis Cover available for Pohjola Traveller's insurance also provides cover in the event of unexpected crisis situations, such as a natural disaster or terrorist attack at the travel destination.
Crisis Cover does not cover the costs of a cancelled trip if the cancellation is due to a change in circumstances related to the Covid-19 pandemic. This is because the Covid-19 pandemic is no longer considered an unforeseen or unexpected situation. However, cancellation costs can be compensated if the insurance has been taken out and the trip booked before the Covid-19 pandemic broke out.
More information on travel insurance
- What does travel insurance cover?
- What is luggage insurance?
- Travel insurance for travel within Finland
- Travel insurance for a child
- When to favour continuous travel insurance?
- When to favour fixed-term travel insurance?
- Travelling to a high-risk area
- 5 loss situations that surprise travellers
- Pohjola Claimhelp - Travel losses
- Coronavirus and traveller's insurance
Where can I get a travel insurance card?
We deliver a travel insurance card for continuous traveller's insurance to your home address by post. If your card is lost or broken, you can order a new one from op.fi on your traveller's insurance page. We will send you a new travel insurance card by post within two weeks.
OP-mobile is handy also when travelling: your travel insurance card will readily available electronically in OP-mobile.
For fixed-term traveller's insurance, the insurance policy qualifies as proof of valid traveller's insurance.
How can I get a certificate of travel insurance for a visa?
If you a travelling to a country for which a visa is required, the certificate of travel insurance does not have to include the insurance company’s stamp or signature, so you can print out the certificate right away from the op.fi service at: Insurance ‒ Traveller's insurance ‒ Order certificate of travel insurance for a visa. Alternatively, you can order it to be delivered by post to your home address free of charge.
What does travel insurance cover?
Travel insurance covers unexpected loss or damage to both the traveller and luggage. Traveller's insurance covers illness or injury during travel, for example. Luggage insurance provides protection against loss or breakage of luggage, for example.
- Read examples of coverage situations
- Read how travel insurance covers situations related to Covid-19
What does travel insurance cost?
The price of travel insurance is affected, for example, by whether the travel insurance is continuous or fixed-term. The price is also affected by the maximum amount of compensation you choose and whether you only insure yourself with traveller’s insurance or whether you also include luggage insurance in your travel insurance.
Do you need travel insurance when travelling in Finland?
Unexpected situations can also occur during travel in Finland. You can easily prepare for these with travel insurance. Travel insurance for travel within Finland is your protection against illness and accidents and, if you wish, it also covers your belongings. When you add travel within Finland to the scope of your continuous travel insurance, you cover your trips comprehensively both at home and abroad.
What is good travel insurance like?
At its most extensive coverage, travel insurance provides protection against travel illness, cancellation of journey and loss of luggage, for example. You can easily customise the scope of travel insurance to suit your own needs on the op.fi service.
You should choose travel insurance based on your own travel habits and needs. Continuous travel insurance is often the easiest and cheapest option if you travel many times a year. If you only need travel insurance for one trip at a time, fixed-term travel insurance is often a good and cheap option.
Does travel insurance have a deductible?
There is no deductible at all for Traveller’s Medical Treatment Cover, Disability Cover and Death Cover. You can choose the appropriate deductible for luggage insurance; the deductibles are fixed for travel liability insurance and legal expenses travel insurance.
The deductible for Travel Cancellation Cover is trip-specific, while for Traveller’s Crisis Cover, Delayed Departure Cover, Travel Interruption Cover and Missed Departure Dover, the deductible is specific to the insurance event.
In Traveller’s Daily Allowance Cover, a qualifying period for benefit applies. A qualifying period for benefit refers to those days for which no compensation is paid after the accident has occurred.
- Traveller's insurance and luggage insurance, Product description (pdf)
- Fixed-term travel insurance, Product description (pdf)
- Fixed-term travel insurance, Terms and conditions (pdf)
- Traveller's insurance, Terms and conditions (Insurance for yourself and your loved ones, p. 30) (pdf)
- Luggage insurance, terms and conditions (Insurance for your home and home contents, s. 23) (pdf)
- Traveller's Insurance, Insurance Product Information Document (pdf)
- Luggage insurance, Insurance Product Information Document (pdf)
- Fixed term travel insurance, Insurance Product Information Document (pdf)
The product details on this page apply to the presently offered travel insurance. The insurance is issued by Pohjola Insurance Ltd.
To view the terms and conditions of your travel insurance, visit the Omat vakuutukset (in Finnish) section in the op.fi serviceMove to Omat vakuutukset section (in Finnish)