Compare Travel Insurance in Finland

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19 live offers compared from 16 providers, from €30 /year. Updated daily.

What is travel insurance in Finland?

Travel insurance, or matkavakuutus, covers the financial risks of trips — medical treatment abroad, trip cancellation, delays, and lost or stolen luggage. While the European Health Insurance Card gives Finns access to public healthcare within the EU and EEA, it does not cover repatriation, private treatment or non-medical losses, so a matkavakuutus fills the gap. Cover can be bought per trip or as an annual multi-trip policy for frequent travellers, and it is often bundled into home insurance or premium payment cards.

How the Finnish market works

Travel cover in Finland is sold by the major composite insurers, banks and specialist travel insurers, and many households already hold some cover through a home insurance add-on or a card benefit without realising it. Policies distinguish between travel within Europe, where the EHIC helps, and worldwide trips, where full medical and repatriation cover matters most. Insurers commonly separate the travellers' cover (medical, cancellation) from baggage cover, and premiums scale with destination, trip length and traveller age.

Benefits

Medical abroad — pays for treatment and, crucially, repatriation the EHIC does not cover.

Cancellation cover — refunds prepaid costs if you must cancel for a covered reason.

Baggage protection — compensates for lost, stolen or delayed luggage.

Annual option — multi-trip policies suit frequent travellers at a fixed yearly cost.

How to choose

First check what you already hold — home insurance and premium cards often include travel cover, so avoid paying twice. Match the policy region to your destinations and ensure medical and repatriation limits are high enough for long-haul or costly-healthcare countries. Compare deductibles, cancellation triggers, and whether existing medical conditions and adventure activities are covered. For frequent travellers an annual multi-trip policy usually beats buying single-trip cover each time.

Leading providers in Finland

If and OP (Pohjola) — major insurers with comprehensive travel policies.

LähiTapiola and Fennia — mutual insurers offering annual and single-trip cover.

Nordea and S-Pankki — banks bundling travel cover with cards or as add-ons.

POP Pankki — regional provider offering travel insurance to members.

What it costs

Travel insurance in Finland broadly ranges from around 30 euros for a single short trip to 500 euros or more for comprehensive annual worldwide cover for a family or older travellers. Price is driven by destination region, trip length, age, and whether high-cost healthcare countries or risky activities are included. Because much cover may already sit inside your home policy or card, the marginal cost of adequate protection is often lower than a standalone quote suggests.

Protections and regulation

Travel insurers in Finland are authorised and supervised by Finanssivalvonta (the FIN-FSA), and standard consumer insurance protections apply, including clear pre-contract information and a complaints route. The EHIC remains a public entitlement for EU and EEA travel but is not a substitute for private cover. Policy terms define covered cancellation reasons and excluded activities, and the Finnish insurance ombudsman services can assist with disputed claims.

Common questions

Do I need it if I have an EHIC? Yes for anything beyond basic EU public care — the EHIC excludes repatriation and non-medical losses.

Might I already be covered? Often — check your home insurance and premium payment cards first.

Are pre-existing conditions covered? Sometimes with declaration; check the terms carefully.

Single-trip or annual? Annual multi-trip is usually cheaper if you travel more than a couple of times a year.

Travel Insurance in Finland — FAQ