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Continuous travel insurance

  • The most inexpensive option when you travel at least twice a year.
  • Valid on journeys in Finland and abroad.
  • Tailor to your needs: Choose traveller's insurance, luggage insurance or both.
  • Buy continuous travel insurance easily online, and have it become valid today if needed.

Continuous travel insurance protects you and your luggage

Do you want to travel without worries, whether on a short or long trip? Continuous travel insurance covers you all year round everywhere in the world. It consists of two parts that you can tailor to your needs:

  • Traveller’s insurance: Covers treatment expenses resulting from accidents and sudden illnesses and expenses caused by the cancellation or interruption of a trip, for example.
  • Luggage insurance: Covers your luggage for breakage, theft, disappearance and other unexpected damage.

Traveller's insurance is taken out separately for each family member, but luggage insurance can cover the luggage of the whole family. Luggage insurance also automatically includes travel liability and legal expenses insurance. The insurance is always valid on continuous trips that last less than 45 days. If you take a long trip, you can choose 90 or 120 days as the length of the trip.  

For more information on the coverage of continuous travel insurance, see the continuous travel insurance product guide.

Help is available 24/7

You can travel without worries, knowing that help is always available. Pohjola Travel Emergency Service will help you with all loss events abroad, whether you fall ill, have an accident or need to find a reliable doctor. The service is available in Finnish, Swedish and English.

Pohjola Claim Help offers clear instructions for dealing with loss events, such as filing a claim or handling damaged luggage. You can easily handle all claims on OP-mobile or at op.fi.

Price of continuous travel insurance

Continuous travel insurance is often a more inexpensive option than fixed-term insurance if you travel at least twice a year. It provides cover for all your trips all year round – you will not need to buy a new insurance policy for each trip separately. 

The pricing of continuous travel insurance is flexible and is determined by the choices you make. You can tailor the insurance by choosing traveller's insurance, luggage insurance or both. In addition, you can extend the coverage of the insurance according to the length of your trip – to 45, 90 or 120 days, for example. You can easily calculate the price of continuous travel insurance on our online service.

Frequently asked questions about continuous travel insurance

For whom is continuous travel insurance suitable?

Continuous travel insurance is well suited for everyone who wants comprehensive cover for their trips. You can apply for the insurance if you are less than 100 years old and live permanently in Finland for more than half the year. The insurance can also be granted to an unborn child during pregnancy. It is suitable for both those who travel alone and families because the luggage insurance can be extended to cover the belongings of the whole family, including the luggage of children and grandchildren.

Continuous travel insurance is well suited for everyone who wants comprehensive cover for their trips. You can apply for the insurance if you are less than 100 years old and live permanently in Finland for more than half the year. Remember that traveller's insurance must be taken out separately for each family member, including children. The insurance can also be granted to an unborn child during pregnancy. 

Luggage insurance is suitable for both those who travel alone and families because it can be extended to cover the belongings of the whole family, including the luggage of children and grandchildren.

What does the insurance cover?

Continuous traveller's insurance covers treatment expenses resulting from accidents and sudden illnesses and expenses caused by the cancellation or interruption of a trip, for example. Luggage insurance covers your belongings for breakage, theft and disappearance. The insurance also automatically includes travel liability and legal expenses insurance that provides additional security in unexpected situations.

Where is continuous travel insurance valid?

The insurance is valid during travel in Finland and abroad, everywhere in the world. A trip abroad begins when you depart on the trip from your home, place of work or study, or holiday home in Finland. The trip abroad ends when you return directly to any of these locations. Domestic trips are covered by the insurance when the trip extends to more than 50 kilometres away from your home. 

How long will the insurance be valid?

The insurance covers continuous trips of a maximum of 45 days. If you travel for a longer time, you can extend the coverage to 90 or 120 days.  This flexibility makes the insurance an excellent option for both short and long trips.

How can I get continuous travel insurance?

It is quick and easy to obtain a continuous travel insurance policy. You can calculate the prices on our online service and choose the coverage that suits your needs. When you buy continuous travel insurance on OP's online service, the decision on granting the insurance is often made automatically. You will get the decision immediately when buying the insurance, without having to wait. Remember to take out the insurance at least three days before your journey to ensure that the Cancellation Cover is valid. 

Are you looking for fixed-term travel insurance?

Fixed-term travel insurance is an excellent choice if you make no more than one trip a year.

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 service

Move to Omat vakuutukset section (in Finnish)
Product descriptions, insurance terms and conditions, and forms