If you travelled to Ukraine, Russia, Moldova or Belarus before the Finnish Ministry for Foreign Affairs gave its recommendation to avoid travel to the country or to leave the country, the travel insurance is also valid for loss events and accidents caused by war for ten days from the day the recommendation was given.
If you travel to these countries after the Ministry for Foreign Affairs gave its recommendation to avoid travel to the country or to leave the country, the travel insurance does not cover loss events or accidents caused by war. If you were in the country at the time of the Finnish Ministry for Foreign Affairs’ recommendation, and you decide to stay in the country after the aforementioned ten-day period, the travel insurance does not cover loss events or accidents caused by war.
If your insurance also includes cover for high-risk areas for an additional fee, the insurance also covers loss events and accidents caused by war in Ukraine, Russia, Moldova and Belarus. However, if the insured person themself participates in war or an armed conflict, loss events or accidents caused by such events is not covered. Loss or damage due to nuclear accidents is also not covered.
The travel insurance has normal coverage for travel accidents and travel illnesses occurring in high-risk areas caused by reasons other than war.
Travel Emergency Service
If you are travelling in Russia, be prepared to pay for the treatment expenses yourself first and apply for compensation afterwards on OP-mobile or on the op.fi service. The Travel Emergency Service can help you with, for example, finding a reliable doctor or hospital.
At the moment, the Travel Emergency Service is very limited in Ukraine. Assistance may be available through neighbouring countries.
Travel Emergency Service 24/7 in case of an illness or accident abroad +358 10 253 0011.