if travel insurance finland

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Travel Insurance – peace of mind for trips abroad as well as domestic travel

If Travel Insurance provides protection if something were to happen to you on your trip. You are covered whether the issue is personal possessions, health, a cancelled trip or travel interruption. The comprehensive travel insurance policy protects you whatever the circumstances.

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• - Travel Insurance

Travel insurance – the secret to a carefree holiday

• Generous cancellation cover. We will reimburse flights and hotels you have paid for in advance up to EUR 5,000, if your trip is cancelled due to you becoming ill.
• Travel insurance for children or grandchildren is included in the price. The insurance automatically covers any children or grandchildren under the age of 20 accompanying you on the trip. Luggage cover also includes the luggage of everyone living in the same household.
• Force majeure cover is included in the basic package . The insurance includes force majeure protection, which means that we will refund a trip that has been cancelled due to e.g. natural disaster or terrorist attack. You will also receive a refund if the trip is cut short and, where necessary, for psychotherapy sessions.
• Unlimited medical expenses . We will reimburse your medical expenses on the trip and there is no excess to pay. Our extensive network of partners gives you rapid access to a reliable doctor if you should need treatment.
• Children can do sports and you are covered if you want to try new activities . For insured persons under the age of 18, travel insurance covers all sports. Adults are also covered if they want to try certain new sports. If you regularly participate in more challenging sports, you can take out add-on cover to remove any sports restrictions!

Travel insurance options

Travel insurance for a single trip or continuous travel insurance .

Continuous travel insurance is the easiest and most affordable solution for those who travel abroad or take domestic trips at least twice a year.

• When you buy continuous travel insurance you can also add on low-cost cover for domestic travel.
• Continuous travel insurance is valid all year round and in all the countries in the world. You do not need to notify us separately when you travel.
• Valid for trips lasting up to 45 days.
• A single trip insurance policy, i.e. travel insurance for a set amount of time, is the most cost-effective option if you travel abroad only once a year and you do not travel in your own country.
• The price of one-off insurance depends on the destination and the duration of the trip. Insurance is taken out separately for each individual trip.
• It is best to arrange for the policy to start at least three days before you travel. This means we will refund your airline ticket if you fall ill and are unable to travel.

Optional add-on cover for travel insurance

You can also add cover for luggage and domestic travel to your travel insurance.

Luggage insurance

If you have If Home Insurance, it always includes luggage. If luggage is not included in your home insurance, you can purchase comprehensive add-on protection for your travel insurance.

• Luggage insurance includes theft and damaged items.
• If your luggage is delayed, you can get essential items at your destination.
• Luggage insurance also includes legal expenses and third party liability insurance for the trip. This reimburses legal expenses in connection with the trip and any damage to a third party caused by you on the trip.

Domestic travel

• Add-on cover for domestic travel also provides protection for any trips you make in Finland.
• Add-on cover includes cancellation, which means you will receive a refund if your domestic trip has to be cancelled because you or a member of your family is ill.
• This cover gives you and your family access to care without waiting times at private medical centres around the country.

Eligibility for travel insurance and policy period

Travel insurance is provided for a future trip and is only available to persons covered by the Finnish Health Insurance Act who are Finnish residents and also ordinarily live in Finland. Personal accident and health insurance cover in a continuous travel insurance policy is available to persons under the age of 80. Cover for personal possessions in a travel insurance policy is available regardless of the age of the insured. Travel insurance for a set period of time is available regardless of the age of the insured person. If the policy period is over 45 days, a health declaration is always required.

Travel Insurance is valid as follows:

• Continuous travel insurance is valid until the insured reaches the age of 90.
• A one-off travel insurance policy is valid for the dates stated in the insurance policy.

Guide and conditions

Matkavakuutusopas (pdf, 196 KB) Opens new window (only in Finnish)

Henkilövakuutusehdot Opens new window (only in Finnish)

Kotivakuutusehdot Opens new window (only in Finnish)

LaajaPlus Irtaimistovakuutusehdot Opens new window (only in Finnish)

Matkan Oikeusturvavakuutusehdot Opens new window (only in Finnish)

The insurance provider is the Finnish branch office of If Skadeförsäkring AB (publ) of Sweden.

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Top Travel Insurances for Finland You Should Know in 2024

Byron Mühlberg

Monito's Managing Editor, Byron has spent several years writing extensively about financial- and migration-related topics.

Links on this page, including products and brands featured on ‘Sponsored’ content, may earn us an affiliate commission. This does not affect the opinions and recommendations of our editors.

Home to the sauna and the famous Lapland region in the north, Finland is a country with stunning natural landscapes such as forests, lakes, rivers, and glaciers. Although travelling to Finland can be an accessible holiday destination for many people, out-the-pocket healthcare costs in the country tend to be expensive, so it's a very good idea to arrive there with travel insurance under your belt.

Luckily, online global insurances (known as 'insurtechs') specialize in cost-savvy travel insurance to Finland and other countries worldwide. Our list below explores the four services we believe provide the best deals for young travellers, adventurers, everyday holidaymakers looking for comprehensive but affordable coverage, and longer-term expats.

Finland Insurance Profile

Here are a few of the many factors influencing the scope and cost of travel insurances for Finland:

Best Travel Insurances for Finland

• 01. Should I get travel insurance for Finland? scroll down
• 02. Best medical coverage: VisitorsCoverage scroll down
• 03. Best trip insurance: Insured Nomads scroll down
• 04. Best mix for youth and digitial nomads: SafetyWing scroll down
• 05. FAQ about travel insurance to Finland scroll down

Heading to Finland soon? Don't forget to check the following list before you travel:

• 💳 Eager to dodge high FX fees? See our picks for the best travel cards in 2024.
• 🛂 Need a visa? Let iVisa take care of it for you.
• ✈ Looking for flights? Compare on Skyscanner !
• 💬 Want to learn the local language? Babbel and italki are two excellent apps to think about.
• 💻 Want a VPN? ExpressVPN is the market leader for anonymous and secure browsing.

Do I Need Travel Insurance for Finland?

Yes, travel insurance is mandatory when travelling to Schengen countries, including Finland. If you're entering the Schengen Area from a non-Schengen country, you must show a valid passport and travel insurance that covers the duration of their stay and a minimum coverage of 30,000 euros. Being insured is one of the necessary steps to secure a visa and enter the Schengen Area, and failure to comply may result in a denial of entry.

However, regardless of whether or not it's legally required, it's always a good idea to take our health insurance before you travel — whether to Finland or anywhere else. For what's usually an affordable cost , taking out travel insurance will mitigate most or all of the risk of financial damage if you run into any unexpected troubles during your trip abroad. Take a look at the top five reasons to get travel insurance to learn more.

With that said, here are the top three travel insurances for Finland:

VisitorsCoverage: Best Medical Coverage

Among the internet's best-known insurance platforms,  VisitorsCoverage  is a pioneering Silicon Valley insurtech company that offers comprehensive medical coverage for travellers going abroad to Finland. It lets you choose between various plans tailored to meet the specific needs of your trip to Finland, including coverage for medical emergencies, trip cancellations, and travel disruptions. With its easy online purchase process and 24/7 live chat support, VisitorsCoverage is a reliable and convenient option if you want good value and peace of mind while travelling abroad.

• Coverage 9.0
• Quality of Service 9.0
• Pricing 7.6
• Credibility 9.5

VisitorsCoverage offers a large variety of policies and depending on your needs and preferences, you'll need to compare and explore their full catalogue of plans for yourself. However, we've chosen a few highlights for their travel insurance for Finland:

• Policy names: Varies
• Medical coverage: Very good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, mental health-related conditions, and many others.
• Trip coverage: Excellent - but only available for US residents.
• Customer support: FAQ, live chat and phone support
• Pricing range: USD 25 to USD 150 /traveller /month
• Insurance underwriter: Lloyd's, Petersen, and others
• Best for: Value for money and overall medical coverage

Insured Nomads: Best Trip Coverage

Insured Nomads is another very good travel insurance option, especially if you're adventurous or frequently on the go and are looking for solid trip insurance with some coverage for medical incidents too. With Insured Nomads, you can choose the level of protection that best suits your needs and enjoy a wide range of benefits, including 24/7 assistance, coverage for risky activities and adventure sports, and the ability to add or remove coverage as needed. In addition, Insured Nomads has a reputation for providing fast and efficient claims service, making it an excellent choice if you want peace of mind while exploring the world.

• Coverage 7.8
• Quality of Service 8.5
• Pricing 7.4
• Credibility 8.8

Insured Nomads offers three travel insurance policies depending on your needs and preferences. We go through them below:

• Policy names: World Explorer, World Explorer Multi, World Explorer Guardian
• Medical coverage: Good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, and many others.
• Trip coverage: Good. Includes coverage for trip cancellation and interruption, lost or stolen luggage (with limits), adventure and sports activities, and many others.
• Customer support: FAQ, live chat, phone support
• Pricing range: USD 80 to USD 420 /traveller /month
• Insurance underwriter: David Shield Insurance Company Ltd.
• Best for: Adventure seekers wanting comprehensive trip insurance

SafetyWing: Best Combination For Youth

SafetyWing is a good insurance option for younger travellers or digital nomads because it offers flexible but comprehensive coverage at a famously affordable price. With SafetyWing, you can enjoy peace of mind knowing you're covered for unexpected medical expenses, trip cancellations, lost or stolen luggage, and more. In addition, SafetyWing's user-friendly website lets you manage your policy, file a claim, and access 24/7 assistance from anywhere in the world, and, unlike VisitorsCoverage, you can even purchase a policy retroactively (e.g. during a holiday)!

• Coverage 7.0
• Quality of Service 8.0
• Pricing 6.3
• Credibility 7.3

SafetyWing offers two travel insurance policies depending on your needs and preferences, which we've highlighted below:

• Policy names: Nomad Insurance, Remote Health
• Medical coverage: Decent. Includes coverage for doctor and hospital visits, repatriation, and many others.
• Trip coverage: Decent. Includes attractive coverage for lost or stolen belongings, adventure and sports activities, transport cancellation, and many others.
• Pricing range: USD 45 to USD 160 /traveller /month
• Insurance underwriter: Tokyo Marine HCC
• Best for: Digital nomads, youth, long-term travellers

How Do They Compare?

Interested to see how VisitorsCoverage, SafetyWing, and Insured Nomads compare as travel insurances to Finland? Take a look at the side-by-side chart below:

Data correct as of 4/1/2024

FAQ About Travel Insurance to Finland

Travel insurance typically covers trip cancellation, trip interruption, lost or stolen luggage, travel delay, and emergency evacuation. Some travel insurance packages also cover medical-related incidents too. However, remember that the exact coverage depends on the insurance policy.

Yes, medical travel insurance is almost always worth it, and we recommend taking out travel insurance whenever visiting a foreign country. Taking out travel insurance will mitigate some or all of the risk of covering those costs yourself in case you need medical attention during your stay. In general, we recommend VisitorsCoverage to travellers worldwide because it offers excellent value for money and well-rounded travel and medical benefits in its large catalogue of plans.

Health insurance doesn't cover normal holiday expenses, such as coverage for missed flights and hotels, but in case you run into medical trouble while abroad, it may cover some or all of your doctor or hospital expenses while overseas. However, not all health insurance providers and plans offer coverage to customers while abroad, and that's why it's generally best to take out travel insurance whenever you travel.

Although there's overlap, health and travel insurance are not exactly the same. Health insurance covers some or all of the cost of medical expenses (e.g. emergency treatment, doctor's visits, etc.) while travel insurance covers non-medical costs that are commonly associated with travelling (e.g. coverage for missed flights, stolen or lost personal belongings, etc.).

The cost of travel insurance depends on several factors, such as the length of the trip, the destination, the age of the traveller, and the level of coverage desired. On average, travel insurance can cost anywhere between 3% and 10% of the total cost of the trip.

A single-trip travel insurance policy covers a specific trip, while an annual one covers multiple trips taken within a one-year period. An annual policy may be more cost-effective for frequent travellers.

Yes, you can sometimes purchase travel insurance after starting your trip, but it is best to buy it before the trip begins to ensure maximum coverage. If you do need to buy insurance after you've started your trip, we recommend VisitorsCoverage , which offers a wide catalogue of online trip and medical insurance policies, most of which can be booked with immediate effect. Check out our guide to buying travel insurance late to learn more.

Yes, you can most certainly purchase travel insurance for a trip that has already been booked, although we recommend purchasing insurance as soon as possible aftwerwards to ensure all coverage is in place before your journey begins. Check out our guide to buying travel insurance late to learn more.

See Our Other Travel Insurance Guides

Looking for Travel Insurance to Another Country?

See our recommendations for travel insurance to other countries worldwide:

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Finland Travel Insurance

Traveling is thrilling, but it’s essential to prioritize your safety. One key way to ensure a worry-free journey is by getting comprehensive travel insurance. This guide explores travel insurance in detail, covering important considerations and steps to take before your next adventure.

Understanding the Importance of Comprehensive Coverage

Know your insurance.

Before traveling abroad, it’s crucial to thoroughly understand your travel insurance coverage. While the European Health Insurance Card is helpful, it may not cover all medical costs, especially transportation back to Finland. Review your insurance policy’s terms and conditions to ensure you’re fully protected.

Special Considerations for Specific Travelers

For travelers going to high-risk areas, pregnant individuals, or those with existing medical conditions, a detailed review of insurance is vital. Some insurance policies may not fully cover medical expenses for pre-existing conditions abroad, and coverage limits may apply if your health worsens during your trip.

Tailoring Insurance for Adventure Enthusiasts

Covering high-risk activities.

For adventure enthusiasts participating in sports like scuba diving, climbing, aviation, or martial arts, having adequate insurance coverage is crucial. Standard policies may not cover these high-risk activities, so it’s important to explore specialized coverage options.

Responding to Health Emergencies Abroad

Prompt action in case of illness.

If you become ill while traveling, act quickly. Contact your insurance company’s emergency services immediately. They will assist with necessary steps, such as coordinating with medical professionals and arranging for your safe return home if needed.

Diplomatic Support in Difficult Situations

Finnish diplomatic missions and honorary consuls abroad provide valuable assistance in challenging situations. If there’s no Finnish mission in your location, EU Member State missions can also help. This network ensures you have support when facing difficulties during your travels.

In summary, ensuring your well-being during international travel starts with understanding travel insurance. Whether you’re an adventure seeker or a frequent traveler, choosing the right insurance coverage is crucial for a safe journey.

• Business customers
• FAQ about expatriate travel insurance

Expatriate insurance FAQ

Frequently asked questions about business expatriate insurance. Are you a business traveller? See FAQ about Business travel insurance

Questions and answers

How can I prepare for expatriation?

Look in to the material handed to you by your employer. Make sure to save the necessary contact information in case of incidents during your foreign assignment. Save the direct number to the assistance partner and your insurance policy number.

We always recommend that you check the current travel restrictions for your destination. In Finland, you may check current travel restrictions on the webpage for the  Ministry for Foreign Affairs of Finland.

We also offer a training course for Travel safety at our  Learning Hub.  

Where do I find my insurance policy number?

In order to find your insurance number you can contact your employer. You will need your policy number e.g. when you file a claim to If or when you are in contact with our assistance partner.

Your employer may have activated your access to see your insurances at our digital log-in service  Employee Pages . Employee pages is a digital service for you who have insurance through your employer. Check with your employer to get it activated.

How can I get the insurance card?

Please ask for a expatriate insurance card from your employer. The card includes your company name, policy number and contact information of our travel assistance partner. You will need your policy number e.g. when you file a claim to If or when you are in contact with the assistance partner.

Where can I find information of my expatriation coverage?

You will find general information about the expatriate insurance here.   For more detailed information about your assignment insurance, please contact your employer or you can log on to our digital log-in service  Employee Pages . Employee pages is a digital service for you who have insurance through your employer. Check with your employer to get it activated.

I need a medical check-up before I start my assignment. Is this covered by the insurance?

Expatriate insurance does not cover e.g. medical check-ups or vaccinations made before your assignment has begun.

Is it safe to travel to the travel destination?

We advise you to check the recommendations set by the  Ministry of Foreign Affairs in Finland  to get information about your destination country. Follow also for you employer's travel guidelines.

Travelling to war risk areas

In addition to recommendations set by the Ministry of Foreign Affairs we recommend you to see the  risk areas defined by If that are listed here.

Covid-19 tests, certificates and vaccination

The Covid-19 vaccination is covered by the expatriate insurance. The expatriate assignment insurance covers Covid-19 testing for persons with symptoms compatible with the infection as a part of the medical treatment of a travel illness. It is also covered when it's required by an airline/government upon business travel. The insurance does not cover costs for any medical certificates (or tests to acquire a certificate), reports, statements or alike, which authorities or other instances require e.g. when travelling. 

How is my insurance valid during the expatriation?

The expatriate insurance is valid for the entire expatriation and for business journeys during the assingment. The insurance is also valid for leisure trips all over the world, for example if you come to visit your home country during holidays. The insurance may also cover your family members on the assingment if agreed with your employer. Please check this directly with your employer. Please note, that you or your family member are not covered while you work for or do business journeys for another company. During your assingment, if you participate in high-risk sports (such as climbing, diving or off piste skiing) or compete in sports, please check in advance how you are covered in these activities.

You will find general information about the  expatriate insurance here.   For more detailed information about your assignment insurance, please contact your employer or you can log on to our digital log-in service  Employee Pages . Employee pages is a digital service for you who have insurance through your employer. Check with your employer to get it activated.

Changes in the family situation

Your employer maintains a list of your company's expatriates in a portal and in case of claim If checks the validity of the expatriation from the portal. It is important that you keep your employer updated if there are any changes in your family situation, such as new babies or a family member moves back home from the assignmnet. If the information is not updated If checks if the expatriation is active with the employer, which may delay the claim handling.

I have a chronic condition. Am I covered by the travel insurance?

Your expatriate insurance may include cover for pre-existing illnesses and injuries. Check your insurance coverage with your employer. If you have an existing illness or injury prior to the assignment, it acutely and unexpectedly deteriorates during your assingment and you need medical treatment in a hospital, please contact our assistance partner for further assistance. The assistance partner will guide you to a suitable facility and check if the treatment is covered by your insurance. Find more health related FAQ below in the Sick or injured- tab.

When do I contact If and when do I contact assistance partner?

In emergency always call the local emergency number.

Contact our assistance partner +358 10 19 15 99 , if you need medical assistance while abroad. They are available 24/7. They will assist you to get treatment and monitor your situation as necessary and arrange a guarantee of payment to the clinic/hospital.

If you have questions regarding your claim, please contact our claims department . If you want to report a claim, you can do it online .

What should I do if I get sick or injured abroad?

In an emergency, contact the local emergency number.

Once the situation is calm and you need further assistance, please contact our assistance partner. Our assistance partners offer immediate help 24/7. They have a wide global network of medical providers that they cooperate with. They can refer you to a hospital close by and make arrangement for payment guarantees for the visit/treatment. They offer service and advice in English and possibly Nordic languages.

You can also arrange your medical visit yourself and pay for it. Make sure to get your receipts and medical reports - then report a claim afterwards. You can report your claim easily on our website .

Do I need to pay the medical expenses at the clinic?

If you are in contact with our assistance partner, they might be able to place a gurantee of payment or pay the hospital/doctor directly. However, in some countries the clinics and doctors will not accept payment from others and you will have to pay yourself, and claim the costs by submitting a claim form to If.

Unless you have contacted our assistance partner, you should prepare to pay for the costs for the examinations and treatment yourself. You will need to buy the medication from a pharmacy. You can show your insurance card at the clinic, and they may be able to contact our assistance partner for billing. If you have the European Health Insurance Card (EHIC) from your European home country’s authorities and you go to a public hospital in Europe, show the card at the hospital and you will get the treatment for the local price.

If you belong to the Finnish social security system (KELA) and visit a clinic in Finland, you should show the card, so that they can deduct the social security cover directly from the cost. Only examinations and treatment prescribed by a physician and performed by a health care professional are compensated. Treatment must be necessary, based on medical evidence and in accordance with generally accepted medical knowledge, for the examination or treatment of the travel accident or illness in question.

Which clinics can I use abroad?

We recommend contacting our travel assistance partners. The standard of the hospitals/clinics can vary between countries and our assistance partners will help you find the best preferred clinic in their quality controlled network. They can also, in most situations, place a guarantee of payment for your treatment. The contact information for our partner is on your insurance card.

Does the insurance cover transport to and from the hospital?

The expatriate insurance covers necessary and reasonable expenses for transport to/from doctor and or hospital. We also cover acute transportation by ambulance.

What should I do if I need treatment while I am in my home country?

The expatriate insurance also covers medical expenses while on vacation in your homeland. You can arrange the medical visit by yourself and claim for the cost afterwards. When in Finland, you can use our wide network of clinics, such as Terveystalo, Mehiläinen, or Aava. 

I am sick or hurt in an accident during my trip in my home country, and I am not able to return as planned to my assignment destination - what to do?

Please contact us or our assistance partner, whose contact information you will find in your insurance card. Our assistance partner will help you to get treatment and assist you with a new journey home once you're able to travel. You should first claim compensation for the unused part of your journey from the tour or transport operator, and only then from the insurance company. The insurance can cover additional costs incurred by the new travel arrangements. After you have received compensation from the tour or transport operator, please make a claim report for the additional costs.

Does the assignment insurance cover dental treatment?

The expatriate insurance covers necessary first-aid natured dental treatment to remove acute tooth ache during the journey in the travel destination. In addition, the assignment insurance may include covers for regular, basic dental check-ups and basic treatment of dental illnesses considered reasonable for maintaining dental health to a certain amount. The insured is responsible for costs exceeding the maximum amount. It also covers reasonable costs incurred from the correction of dental irregularities for children under 18 years of age if the orthodontic treatment is an unavoidable part of dental care. Please always contact your assistance parner in advance in case of a child's orthodontic treatment.

Does the insurance cover pregnancy related costs?

The assignment insurance may include cover for pregnancy and delivery related costs, such as normal maternity clinic check-ups and other comparable follow-up appointments. Reasonable expenses arising from childbirth are covered, either in the country of assignment or in your home country, including the travel costs to and from the home country but excluding living or travel expenses while there. We recommend you contact our assistance partner to find a suitable clinic for you and they are able to arrange a guarantee of payment for the treatment and examination costs. You will find the contact information in the insurance card. After the delivery, please contact your employer regarding the new family member to add him or her to the assignment insurance.

Does the insurance cover vaccinations?

If the expatriate insurance includes a health care cover, medically necessary vaccinations during the assignment are covered.

How about Covid-19 tests, certificates and vaccination?

My flight has been delayed, can I get new tickets refunded by the insurance?

When a flight is delayed it is the airline company's responsibility to re-book you on a later flight or offer you a refund. The insurance may include coverage for delayed departure which means you can get some reimbursement if the delay exceeds four hours. The policy letter states the maximum sum insured.

I can't travel as planned. Does the insurance cover tickets if I cancel my trip?

Cancellation of a journey means that a departure on a journey is prevented altogether. The cancellation may be covered, if the reason for cancellation is your or your next of kin’s sudden and unexpected illness, injury or death or an authority regulation to avoid unnecessary or all travel to the travel destination. Cancellation costs may be covered up to a certain sum. Cancel the trip without delay and first claim compensation from the tour or transport operator, and only then from the insurance company. The insurance can cover the part that the tour or transport operator does not cover. After you have received compensation from the tour or transport operator, please  report a claim to us.

My flight has been cancelled, can I get this refunded by the insurance?

The insurance does not cover the cost of the ticket if the airline has cancelled the flight. When the airline company cancels the flight they are obliged to offer you a new departure, and if this is not possible, they should offer you a refund.

A close relative back home has become ill, does the insurance cover my expenses for travelling home?

The insurance covers extra expenses for a travel ticket to your home country when a person in your immediate family becomes unexpected and seriously ill or injured or dies. We cover economy flight tickets. You should arrange your travel tickets yourself and claim from If afterwards.

What should I do in case of a crisis situation abroad?

If there has been a terror attack or other crisis or catastrophe is going on in your travel destination, you should first check the instructions from your employer. Follow closely also the instructions from the relevant authorities. If you need medical attention, always contact our 24/7 assistance partner – you will find the contact information on your insurance card.

What is regarded as luggage?

Luggage means your own or your employer's items that you bring with you on your travel. Money or securities are not covered unless you get robbed or due to burglary. Your luggage is covered up to a certain sum which you can check from your employer or from us. You must carry all valuables in your hand luggage. Property must be attended to avoid theft or kept in a locked and secure place. Do not leave your items in e.g. a locked vehicle, caravan, or boat without surveillance.

My luggage has been stolen - what to do?

Contact the police and report the theft. Make sure to collect the police report. File your claim to If and attach a list of the stolen items. If personal documents (such as ID) has been stolen, file a police report also in your home country. In your claim, specify the price, model and date of purchase for each stolen item individually. If you have the original receipts of the items you can attach these together with the police report.  Report a luggage claim here.

My check-in luggage is damaged - what to do?

If you have given your luggage for transportation, such as checked it in for a flight, you will need to report it to the transport company or handling agent. You should make the Property Irregularity Report (PIR report) at the airport's counter at the arrivals hall, if you notice damage to your luggage during the flight. If the airline doesn’t compensate the damage of your luggage in full, you can claim the exceeding amount up to the maximum amount stated in the insurance letter. You should first have it evaluated, if it can be repaired. Please note that valuable items should be carried in the hand luggage.  Report a luggage claim here.

My check-in luggage is delayed - what to do?

If your luggage is delayed on your outbound journey, you must contact the airline and make a Property Irregularity Report. You can buy the most essential clothes and hygiene articles in the destination to manage until you get your luggage again. Make sure to keep the receipts. They are compensated according to the insurance policy. The maximum cover amount is on stated on the policy document. There is no coverage for purchases if the luggage is delayed on the flight back home. Report a luggage claim here.

My check-in luggage is lost - what to do?

If your check-in luggage hasn’t arrived and the airline confirms that it is lost, usually after 21 days, primarily the airline or tour operator is responsible for compensation. You must make the PIR report (Property Irregularity Report) at the airport if your luggage doesn’t arrive on time. If the airline doesn’t compensate the loss of luggage in full, you can claim the exceeding amount up to the maximum amount stated in the insurance letter. Please note that valuable items should be carried in the hand luggage. Report a luggage claim here.

Does the insurance cover treatment after the assignment has ended?

When your expatriation ends, your expatriation insurance also ends. We recommend that you find out in good time in advance how you and your family members will receive medical care after returning home. When assignment ends and the insured person returns to home country, we will still cover the costs of medical care in home country for 30 days, provided that the treatment of the illness has already started at the place of expatriation and there is still remaining indemnity period.

How do I file a claim?

If you have already paid the costs for your treatment or have other costs due to travel claim, you can fill in a claim form and find more information about what information you need and what documents you may need to send us. If you are seeking compensation for other persons covered by the insurance, you need their full name, date of birth and contact information. Please keep all medical documentation like medical reports, prescriptions and receipts, we may ask them for you if needed. If handles your claim without any delay but at least within 30 days. We will send you the decision by email or via your If own Pages. Claim If within one year from date of the cost. Link to claim report.

Expatriation in China

Treatment in China can very expensive depending on the place of treatment. Therefore, it is essential that you contact our assistance partner before you seek medical assistance China. Our assistance partners have a wide network of clinics where the quality has been controlled and the price levels are reasonable. You will find their contact information on your insurance card. They are on duty 24/7 and will advise you the nearest co-operative physician and assist in arranging a guarantee of payment to the clinic.

Expatriation in USA

When you start your assignment in the USA, you should contact our local assistance partner and register yourself as a member in their system (you find the information in your insurance card). This makes the process smoother, when you contact them again if you need a medical appointment. Treatment in the USA in general is very expensive and the insurance field works in a different way than what many of us are used to. Therefore, it is essential that you contact our assistance partner before you seek medical assistance in the USA, when you are on assignment. You will find their contact information on your insurance card. Our assistance partners have a wide network of clinics where the quality has been controlled and the price levels are reasonable. They are on duty 24/7 and they will advise you on the nearest co-operative physician and assist in arranging a verification of benefits (guarantee of payment) to the clinic.

With business travel insurance, your employees are covered on all trips. Contact us and we will get you the travel insurance that suits your company's needs.

• Schengen Visa Insurance

Travel Insurance for Finland, Finland visa travel insurance

Finland visa insurance quote, finland travel insurance requirements.

Finland, which is famous for the Northern Lights is the land of the midnight Sun! Its capital Helsinki is a charming city with a happening nightlife, with a fashionable design district, impressive contemporary architecture and many museums. Beyond Helsinki,the charm of Finland lies in its pristine wilderness, its thousand beautiful lakes and rivers and lush thick forests. Finland is also known for its cottage homes and many saunas which is a way of life for the Finnish. While taking a break from hectic work schedules in urban center’s and exploring pristine natural landscapes is exciting, US and International visitors to Finland must buy good travel insurance.

Buying travel Insurance for any European country on Americanvistorinsurance.com might seem contradictory, but even though we offer travel insurance for Finland residents for visiting the United States, we also provide international travel insurance plans that insures travelers in Europe. These Finland Travel Insurance plans also satisfy Schengen visa requirements if required.

Finland visa travel insurance requirements

International travelers who needs a Finland visa for Finland will have to buy travel insurance which satisfies Schengen visa requirements

• Travel insurance for Finland of Euro30,000 (about $50K USD)
• Policy must have a $0 deductible with 100% Coverage
• A repatriation benefit.
• An emergency medical evacuation benefit.
• The insurance provider must have an office in Europe.

Schengen visa insurance letter

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Finland visa travel documents

Nationalities who need Finland visa

Travel health insurance Finland, Travel insurance for visiting Finland

Visiting Finland

Travel Insurance for US citizens visiting Finland

Long term visa

Travel medical insurance for long term Europe visa

Visiting USA

Travel Insurance for Finland residents visiting USA

Group Travel

Finland visa group travel insurance quote

What does Schengen visa travel insurance cover?

Satisfies visa requirements, doctor visit, medical evacuation, health care expenses, repat of remains, pre-existing conditions, testimonials - from our customers.

I had a no-problem trip but Seven corners was easy to deal with in the securing of the travel insurance and dealing with a few issues prior to departure.

I have always gotten a quick response with a live person. I placed a claim, we will see it their payment to me is as good as their customer service is.

Good policy options and pricing. Like to purchase high coverage for medical without covering full cost of trips - like the options Seven Corners provides.

How much does Finland Visa travel insurance cost?

Europe schengen travel insurance cost, patriot international lite.

• The policy maximum options available are $50k to $1M.
• The deductible options available are $0 to $2.5k.
• Coinsurance is available 100% up to the maximum limit.
• IMG Patriot International Lite insurance for Schengen visa is very popular among travelers visiting European countries and applying for Schengen Visa.
• Covers acute onset of pre-existing condition covers up to the period of coverage limit or $1M (whichever is lower)

Safe Travels International Cost Saver

• The policy provides the medical maximum options of $50K to $1M for emergency medical and hospitalization.
• The deductible options on this plan are $0 to $5K.
• Coverage period of the plan is from 5 days to 364 days and the plan is extendable.
• Co-insurance percentage is 100% up to the policy maximum after the deductible is met.
• Available for Non US Citizens and Non US Residents applying for Schengen visa.
• Covers unexpected recurrence of a pre-existing medical condition.

Safe Travels International

• Safe Travels International offers primary comprehensive travel medical insurance coverage in Europe.
• Covers unexpected recurrence of a pre-existing medical condition up to $20K of covered expenses up to age 65 or the first $10K for age 65 or over

Atlas International

• The policy maximum options available with this plan are $50K to $2M for people up to the age of 65 For people in the age range of 65 to 79, the options are $50K and $100K and for people above 80 the only option is $10K.
• Plan pays Coinsurance 100% after the deductible up to the overall limit.
• Atlas International Insurance satisfies Schengen visa requirements and offers comprehensive Europe medical insurance for travelers.
• Covers acute onset of pre-existing condition covers up to overall maximum limit, under age 80.(excludes chronic and congenital conditions)

Travel Medical Choice

• The policy maximum is available up to $5M for people up to 79 years and reduces to $10K for people above 80 years.
• The maximum lifetime of the plan is 365 days and is renewableThere is a co insurance factor applicable to this insurance which pays 100% for outside of the US.
• Travel Medical Choice satisfies Schengen visa insurance requirements.
• Acute onset of pre-existing conditions are covered up to $50K up to the age of 64 years and a coverage of $10K is available for people above the age 65 to 79 years.

Factors for the cost of Schengen visa travel insurance

The cost of Schengen visa insurance depends on the following:

The older the Schengen visa applicant, the more expensive the cost of travel insurance.

The higher the coverage amount, the higher the premium, options ranging from $50,000, up to $1 Million.

A 'deductible' or 'excess' is the amount the customer pays before the insurance plan kicks in.

'Co-insurance' is the percentage on medical expenses borne by the customer after the deductible is paid.

The Schengen insurance cost is directly proportional to the length of travel insurance.

There are different underwriters such as AIG, Lloyds, Nationwide, etc. Premium will vary for different underwriter.

Advantages of buying Schengen visa insurance on American visitor insurance

Satisfy Schengen visa requirements to apply for visa

Compare several plans to find what fits your needs best

Travel medical insurance protection for health emergency

Travel to Europe in peace with good insurance coverage

What are the types of Schengen visas?

1 schengen visa type a.

Non Schengen country citizens who are transiting through or waiting from a connecting flight in the international terminal in a Schengen nation airport is issued an A visa. It is also commonly known as the airport transit visa

2 Schengen visa Type B

The Schengen type B visa is for trips of less than five days and is with the qualifier “transit”.

3 Schengen visa Type C

• A single-entry visa which entitles the visa holder to a single entry into the Schengen region.
• A double-entry visa entitles the visa holder to two entries to the Schengen region during the visa’s periods validity.
• A multiple-entry visa entitles the visa holder to as many entries and exits from the Schengen region as desired.

4 Long Stay visa or Type D Schengen visa

The following are valid reasons for the Type D Schengen visa : vacations or personal visits, work-related travel, study related travel, to participate in a training program, to complete an internship

Finland travel insurance for covid19

Finland tourist insurance with Covid coverage

Steps to buy Finland visa travel insurance online

  1: finding all available finland visa insurance plans.

Complete the Finland visa insurance quote request form by providing details of the traveler and insurance requirements.

  2: Compare different visa health insurance options

Compare the price and the benefits of the different Finland visa insurance options to identify what fits your needs best.

  3: Buy the Finland visa insurance and review documents

Buy the plan that fits your requirements and budget best by using a credit card and completing the online application.

  4: Review Finland insurance & download visa letter

Review the insurance documents & download visa letter is required.

Compare Schengen visa plans

Email these results, patriot international lite insurance.

• Policy Maximum #1   $50,000
• Deductible #2   $0
• Schengen visa letter Sent immediately after purchase
•  COVID19 coverage

Atlas International Insurance

• Schengen visa letter Available from client zone

Safe Travels International Cost Saver Insurance

• Europe visa letter Sent immediately after purchase

Travel Medical Choice Insurance

#1   Policy Maximum is the maximum eligible medical expenses that the plan will cover.

#2   Deductible is the amount of expenses that must be paid out of pocket before an insurer will pay any expenses.

NEED HELP for Schengen insurance? Contact our customer service team We are here to help you!

(877)-340-7910, click to send an email, us citizen travel insurance for finland.

Along with the Covid pandemic and the Ukraine war are seeing severe labor related disruptions in flights and rail services which is adding to the uncertainty of travel in Europe.US citizens are advised to buy travel insurance for Finland even if it is not mandatory for short travel, it is mandatory only for travel of more than 90 days to Finland and need a travel visa.

Travel insurance with trip cancellation coverage will protect the traveler in the event of trip delay, cancellation of flights, loss of baggage as well as any medical emergency or accident that the US citizen can face while in Finland. Some travel insurance also provide coverage for quarantine expenses should one test positive for Covid19 while traveling. Given the pandemic, some European consulates are in fact insisting on Covid quarantine travel insurance while issuing travel visas.

Some US citizens travel insurance plans also have the option of Cancel for Any reason (CFAR) by providing a refund of up to 75% of the trip cost if one cancels the trip for any reason. Having reliable travel insurance will ensure that the travelers can recoup the trip expenses which can be significant in the case of cruises, airline ticketing and hotel reservations should they face adverse circumstances during travel.

Long term Europe Visa Insurance for US citizens

US citizens who want to stay in any of the 27 Schengen countries for more than 90 days in a 180 day period need a Long Stay Visa. One of the requirements for this visa is proof of medical insurance with medical expenses coverage up to €30,000 (or the equivalent in US dollars) which is valid during the whole stay in the Schengen countries.

The insurance company should provide a visa letter stating coverage amounts for medical expenses, emergency medical evacuation and repatriation while in Europe (or 'unlimited' if there is no limit of coverage).

Finland travel insurance for older US travelers with Medicare coverage

US senior citizens who have Medicare coverage should buy international travel health insurance while traveling outside the United States. Good travel health insurance is required since Medicare offers very limited coverage outside the US.

International travel always involves risks. This is especially true for older travelers and given that the costs of medical evacuation and health care outside the United States is expensive, buying good Medicare Supplemental international Travel insurance coverage is prudent. Get Quote »

Europe Travel Insurance for Senior citizens

Insurance for older travelers for visiting the Schengen countries

Travel medical insurance Finland, Finland travel insurance - FAQ's

01. does finland travel insurance cover covid19.

Most Finland travel insurance plans available on American Visitor Insurance now cover Covid as a new illness. International travelers can compare best Covid Finland travel insurance compare and buy the best Finland travel insurance plans on American Visitor Insurance. These plans also offer Finland visa letter which can also be translated to different languages as requested.

02. Is travel insurance necessary for Finland?

If you need a visa for traveling to Finland (Schengen visa), then - Yes, Finland travel insurance is necessary for applying for the Schengen visa. The Finland visa travel insurance requirement is a minimum coverage of 30,000 Euros.

If you a citizen of a country which does not need a visa for traveling to Finland , then buying travel insurance for Finland is not mandatory for visits of less than 90 days. However given the cost of healthcare in Finland , and that domestic health insurance offers little health insurance outside your home country, it is strongly recommended to buy travel insurance for Finland .

03. How can I get travel medical insurance for Finland?

Travelers to Finland who need the Schengen visa can buy Finland visa travel insurance on our website. Our Schengen visa travel insurance quote facility displays the travel insurance that satisfy Finland visa consulate requirements. Once you complete buying the Finland visa travel insurance online, you can download the required Finland visa letter which you can submit while applying for the Schengen visa.

04. How much is travel insurance for Finland visa?

The cost for the Finland visa travel insurance varies depending on the age of the traveler and the duration of coverage required. The older the traveler the higher is the cost. The longer the duration of Finland travel insurance required, the greater will be the cost. Our Finland visa insurance application quote facility lists the travel insurance that satisfy Finland visa consulate requirements.

05. What is the procedure to get a visa letter for Finland?

Finland visa medical insurance can be purchased online quickly and easily. The traveler has to provide relevant information (age, travel dates, total amount of coverage desired) in a simple travel insurance for Finland visa form and click the 'get quote' button.

A list of affordable travel insurance plans with the premium (cost), medical coverage details, and the name of the underwriter will be displayed. The applicant can then buy the best Finland visa insurance plan they like by clicking on the corresponding 'BUY' button. Complete the simple application online and pay using a credit card.

On purchasing the Europe travel insurance for Finland , a traveler will be provided with the insurance details that include a toll free number, a virtual ID card, and a Finland visa letter that may be presented to the consulate as proof of coverage.

06. Who must buy travel medical insurance for Finland visa?

A traveler from any of the Schengen visa required countries visiting Finland for less than 90 days is required to buy short term travel medical insurance to apply for Finland visa. It may be individuals, business travelers, family members. For travelers from Schengen visa exempted countries, planning to stay in Finland for more than 90 days need to buy long term travel medical insurance for Long stay Europe visa.

07. Who offers Schengen visa Insurance for Finland?

We work with many popular and top rated US insurance providers. These insurance companies offer best travel medical insurance coverage for Schengen visa. These Schengen visa insurance plans satisfy requirements as mandated by the consulate and offer comprehensive travel medical insurance coverage. The top insurance providers that offer popular Schengen visa insurance for Finland are International Medical Group , Seven Corners , WorldTrips and Trawick International .               

08. What is covered under Finland visa visa travel insurance?

• Hospitalization expenses dues of sickness of injuries
• Emergency medical evacuation
• Repatriation of remains
• Trip cancellation or interruption
• Flight delay
• Baggage delay or loss
• Acute onset of pre-existing conditions
• Maternity in first 26 weeks

09. How do I get cheap Schengen visa travel insurance for Finland?

This is surely dependent of the travelers’ requirements. The travel will have to do a research online based on his or her requirements. It is advisable to compare Finland visa insurance products before buying the cheap travel medical insurance for Finland visa.

10. Which are the EU countries that are not part of the Schengen region?

The following European countries are not part of the Schengen zone : Albania, Andorra, Armenia, Azerbaijan, Belarus, Bosnia & Herzegovina, Bulgaria, Cyprus, Georgia, Ireland, Kosovo, North Macedonia, Moldova, Monaco, Montenegro, Romania, Russia, San Marino, Serbia, Turkey, Ukraine, The United Kingdom and the Vatican.

11. What is the difference between European Union (EU) and the Schengen states?

The Schengen region is a travel zone of several European countries where citizens can travel freely within this region without a visa, while the European Union is an economic and political union of several European countries.

12. If my Schengen visa is denied, can I cancel my travel insurance plan?

Yes, you can cancel your travel insurance plan if your Schengen visa is denied. There should be full reimbursement if you cancel before the travel dates. However, if you cancel after the start date, the premium may be refunded on a prorated basis with a cancellation fee, but only if no claims have been submitted. It is important to carefully review the terms and conditions of the policy while buying it, and to contact the insurance provider if you have any questions or concerns. If you need to cancel your policy due to a visa denial, you may need to provide proof of your visa denial to the insurance provider.

13. Can I cancel my Schengen travel insurance?

Yes, you can cancel your Schengen travel insurance, but the terms and conditions and refund policy will vary depending on the insurance provider and the specific policy you purchased. If you ask for cancellation after the insurance start date, you may only receive a partial refund depending on how long you have had the policy and if you've already made any claims. If you need to cancel your Schengen travel insurance, you should contact your insurance provider directly to inquire about the cancellation process and refund policy.

  Finland - General Information

Popular tourist destinations in finland.

Helsinki is home to many churches, the three most important of which include the Lutheran Cathedral, the Church in the Rock and the Uspenski Cathedral.

Savonlinna is a charming historic destination. Located in the middle of Lake Saimma on a series of islands, the area’s biggest attraction is unquestionably Olavinlinna.

Kemi is a city in Finnish Lapland that is known best for its pulp mills. Travelers, however, know Kemi best as the location of the iconic snow castle.

Turku is still a major destination in Finland, and it is home to countless historic attractions and cultural landmarks. Some of the top things to see in Turku include the 13th century Turku Castle.

Tourist information about Finland

How do i get visa for finland .

• Travelers visiting Finland require visa from the consulate. You can apply for Finnish visa at the Finnish embassy or consulate in the country of your residence.
• Travelers have to pay fees for processing of visa at the time of submitting the application and the same is non refundable.
• Travelers should inquire the fees for visa process from the embassy as it can change whenever there is alteration in the exchange rate of Euro.
• The processing time required for Finnish visa will be 10-12 days.
• The payment receipt will provide the date for collection of passport.
• All your queries regarding the status of your Visa Application will be answered on the collection day of passport.
• Schengen Visa A (Airport Transit Visa)
• Visa B (Transit Visa)
• Visa C (Travel Visa)
• Visa D (Long Stay Visa)

What are the documents required for Finland Visa?

• Travel Insurance of EUROS 30,000 and the coverage should be taken for 15 days more than the period of stay and should cover the entire Schengen territory.
• Valid Passport
• Personal Appearance of the applicant (First time visitors to Schengen Country)
• Schengen Visa Application duly completed and signed by applicant
• Foreign nationals residing in India must furnish their work permit/residence permit
• Photos copies of all the documents along with the Visa Application
• Finland Travel medical insurance of EUR 30,000 maximum benefits.
• Finnish visa insurance letter

What is the best time to visit Finland?

What are the famous vacation spots in finland, what are the popular cuisines in finland, which are the popular languages spoken in finland , schengen travel insurance plans, schengen travel insurance with covid coverage.

There are pandemic related travel restrictions in any of the Schengen countries. However, irrespective of Schengen consulate visa requirements it is very important to have the best travel insurance for Europe given the pandemic, the war in Ukraine, the Israel-Hamas war as well as extreme weather related travel disruptions, all of which can impact international travel adversely.

Trawick International, WorldTrips, International Medical Group, GeoBlue and Seven Corners are the top US based Schengen visa travel insurance providers offering Europe travel insurance with Covid coverage . Trawick International offers Safe Travels International Insurance and Safe Travels Outbound Insurance . The Safe Travels International Insurance are available for Non US citizens and Non US residents while the Safe Travels Outbound Insurance is available for available for US citizens and US residents.

WorldTrips offer Atlas Travel insurance while International Medical Group (IMG) offers Patriot International Lite insurance . Seven Corners offers Travel Medical Choice Insurance .These plans also provide a Schengen visa letter which can be used while applying for the Schengen visa. The visa letter can also be translated to different languages as requested.

Schengen insurance for Coronavirus - Available plans

• International travelers traveling outside their home country not to the USA.
• Coverage for accommodations due to a covered Trip Delay $2,000/$150 per person per day (12 hours) is included in the basic coverage.
• Optional Quarantine Benefit Upgrade at additional price Trip Delay Max Upgrade - including Accommodations (12 Hours) $4000 ($300/day) or $7000 ($500 per day).
• US Citizens and US residents traveling outside the United States.
• This plan is available for US Citizens and US residents traveling outside the United States
• Coverage for accommodation due to a covered Trip Delay $3,000/$250 per person per day (6 hours or more) is included in the basic coverage.
• Available for both US citizens and non US Citizens traveling to Europe up to 65 years.
• Available for both US and Non US citizens at moderate price with required benefits.
• Available for both US and Non US citizens at affordable price with premium benefits.
• Available for both US and Non US citizens at affordable price with fewer benefits
• Coverage for travelers traveling outside their home country whose destination excludes the U.S. and its territories.
• Travel SE plan offers Coverage for accommodations due to a covered Trip Delay $2,000/$125 per person per day is included in the basic coverage.
• Travel LX plan offers Coverage for accommodations due to a covered Trip Delay $2,500/$250 per person per day is included in the basic coverage.

List of Popular Schengen countries

Schengen travel insurance with 30,000 euro coverage, cheapest schengen health insurance for travel faqs.

Cheap travel medical insurance for Schengen Visa FAQs.

Best Schengen travel insurance blogs

Best insurance for schengen visa blogs and articles

Best schengen travel insurance forum

Travel insurance for Schengen visa, Schengen insurance forum.

Europe travel medical insurance

Cheapest europe travel insurance.

Cheapest Europe travel insurance for Schengen visa.

Travel tips for schengen visa

Best Schengen Visa Europe Travel Insurance Tips.

Schengen Visa Requirements

Schengen Visa Travel Insurance Requirements.

Europe group travel insurance

Europe group travel insurance for Schengen visa.

Europe trip cancellation insurance

Trip cancellation travel insurance for Europe

Schengen visa travel insurance cost

Cost of travel insurance for Schengen visa.

Schengen Visa insurance blogs and articles

Traveling to Schengen states

Tourism and travel insurance information for visiting Schengen countries

US citizens traveling to Europe

Vacation and travel insurance information for US citizens visiting Europe

Long term Europe visa medical insurance

Insurance Information for Long term Europe Visa

Best travel insurance for Schengen visa

Tools to find the best Schengen visa travel insurance

What does Finland Schengen Visa insurance usually not cover?

1. Pre-existing medical conditions: Schengen Visa for Finland insurance usually excludes or provides limited coverage for any medical conditions that existed prior to the start of the policy. This means that if you have a pre-existing medical condition, any medical treatment related to that condition may not be covered.

2. Treatment for chronic illnesses: Most Finland Visa medical insurance plans do not cover ongoing treatment for chronic illnesses, such as diabetes or heart disease. These conditions are generally excluded from coverage, so if you require ongoing treatment for a chronic illness, you may need to look for a specialized insurance policy.

3. Non-emergency medical treatment: Finland travel insurance is designed to cover medical emergencies and unexpected illnesses. It typically does not cover preventive care such as routine medical check-ups, vaccinations, or elective treatments.

4. Extreme sports and adventure activities: Many Finland Visa health insurance policies exclude coverage for extreme sports and adventure activities, such as bungee jumping, skydiving, or scuba diving. If you plan to participate in these activities during your trip, you may need to buy additional coverage.

5. Mental health conditions: Finland visa insurance generally do not cover mental health conditions, such as depression or anxiety. If you require treatment for a mental health condition during your trip, you may need to seek out specialized coverage.

Related Schengen visa insurance pages

Schengen visa insurance

Schengen visa letter

Schengen covid19

Europe trip from USA

Long term Europe visa

30,000 Euro travel

Schengen visa forum

Schengen visa Blogs

Schengen visa FAQ

Schengen visa factors

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• Best overall
• Best for exotic trips
• Best for trip interruption
• Best for medical-only coverage
• Best for family coverage
• Best for long trips
• Why You Should Trust Us

Best International Travel Insurance for June 2024

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

If you're planning your next vacation or trip out of the country, be sure to factor in travel insurance. Unexpected medical emergencies when traveling can drain your bank account, especially when you're traveling internationally. The best travel insurance companies for international travel can step in to provide you with peace of mind and financial protection while you're abroad.

Best International Travel Insurance

• Best overall: Allianz Travel Insurance
• Best for exotic travel: World Nomads Travel Insurance
• Best for trip interruption coverage: C&F Travel Insured

Best for medical-only coverage: GeoBlue Travel Insurance

• Best for families: Travelex Travel Insurance
• Best for long-term travel: Seven Corners Travel Insurance

How we rate the best international travel insurance »

Compare the Best International Travel Insurance Companies

As a general rule, the most important coverage to have in a foreign country is travel medical insurance , as most US health insurance policies don't cover you while you're abroad. Without travel medical coverage, a medical emergency in a foreign country can cost you. You'll want trip cancellation and interruption coverage if your trip is particularly expensive. And if you're traveling for an extended period of time, you'll want to ensure that your policy is extendable. 

Here are our picks for the best travel insurance companies for international travel.

Best overall: Allianz

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Good option for frequent travelers thanks to its annual multi-trip policies
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Doesn't increase premium for trips longer than 30 days, meaning it could be one of the more affordable options for a long trip
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Some plans include free coverage for children 17 and under
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Concierge included with some plans
• con icon Two crossed lines that form an 'X'. Coverage for medical emergency is lower than some competitors' policies
• con icon Two crossed lines that form an 'X'. Plans don't include coverage contact sports and high-altitude activities
• Single and multi-trip plans available
• Trip cancellation and interruption coverage starting at up to $10,000 (higher limits with more expensive plans)
• Preexisting medical condition coverage available with some plans

Allianz Travel Insurance  offers the ultimate customizable coverage for international trips, whether you're a frequent jetsetter or an occasional traveler. You can choose from an a la carte of single or multi-trip plans, as well as add-ons, including rental car damage, cancel for any reason (CFAR) , adventure sport, and business travel coverage. And with affordable pricing compared to competitors, Allianz is a budget-friendly choice for your international travel insurance needs. 

The icing on the cake is Allyz TravelSmart, Allianz's highly-rated mobile app, which has an average rating of 4.4 out of five stars on the Google Play store across over 2,600 reviews and 4.8 out of five stars from over 22,000 reviews on the Apple app store. So, you can rest easy knowing that you can access your policy and file claims anywhere in the world without a hassle.

Read our Allianz Travel Insurance review here.

Best for exotic trips: World Nomads

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Coverage for 200+ activities like skiing, surfing, and rock climbing
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Only two plans to choose from, making it simple to find the right option
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. You can purchase coverage even after your trip has started
• con icon Two crossed lines that form an 'X'. If your trip costs more than $10,000, you may want to choose other insurance because trip protection is capped at up to $10,000 (for the Explorer plan)
• con icon Two crossed lines that form an 'X'. Doesn't offer coverage for travelers older than 70
• con icon Two crossed lines that form an 'X'. No Cancel for Any Reason (CFAR) option
• Coverage for 150+ activities and sports
• 2 plans: Standard and Explorer
• Trip protection for up to $10,000
• Emergency medical insurance of up to $100,000
• Emergency evacuation coverage for up to $500,000
• Coverage to protect your items (up to $3,000)

World Nomads Travel Insurance  offers coverage for over 150 specific activities, so you can focus on the adventure without worrying about gaps in your coverage. 

You can select its budget-friendly standard plan, starting at $79. Or if you're an adrenaline junkie seeking more thrills, you can opt for the World Nomads' Explorer plan for $120, which includes extra sports like skydiving, scuba diving, and heli-skiing. And World Nomads offers 24/7 assistance, so you can confidently travel abroad, knowing that help is just a phone call away. 

Read our World Nomads Travel Insurance review here.

Best for trip interruption: C&F Travel Insured

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers 2 major plans including CFAR coverage on the more expensive option
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Cancellation for job loss included as a covered reason for trip cancellation/interruption (does not require CFAR coverage to qualify)
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Frequent traveler reward included in both policies
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Up to $1 million in medical evacuation coverage available
• con icon Two crossed lines that form an 'X'. Medical coverage is only $100,000
• con icon Two crossed lines that form an 'X'. Reviews on claims processing indicate ongoing issues
• C&F's Travel Insured policies allow travelers customize travel insurance to fit their specific needs. Frequent travelers may benefit from purchasing an annual travel insurance plan, then adding on CFAR coverage for any portions of travel that may incur greater risk.

C&F Travel Insured offers 100% coverage for trip cancellation, up to 150% for trip interruption, and reimbursement for up to 75% of your non-refundable travel costs with select plans. This means you don't have to worry about losing your hard-earned money on non-refundable travel costs if your trip ends prematurely. 

Travel Insured also stands out for its extensive "reasons for cancellation" coverage. Unlike many insurers, the company covers hurricane warnings from the National Oceanic and Atmospheric Administration (NOAA).

Read our C&F Travel Insured review here.

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. A subsidary of Blue Cross Blue Shield
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers strong medical plans as long as you have a regular health insurance plan, but it doesn't have to be through Blue Cross
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers long-term and multi-trip travel protection
• con icon Two crossed lines that form an 'X'. Multiple complaints about claims not being paid or being denied
• con icon Two crossed lines that form an 'X'. Does not provide some of the more comprehensive coverage like CFAR insurance
• con icon Two crossed lines that form an 'X'. Buyers who do get claims paid may need to file multiple claim forms

GeoBlue Travel Insurance offers policies that covers emergency medical treatments when you're abroad. While GeoBlue lacks trip cancellation coverage, that allows it to charge lower premiums than the other companies on this list. 

GeoBlue plans can cover medical expenses up to $1 million with several multi-trip annual plans available. It offers coinsurance plans for trips within the U.S. and 100% coverage for international trips. It also has a network of clinics in 180 countries, streamlining the claims process. It's worth noting that coverage for pre-existing conditions comes with additional costs. 

Read our GeoBlue Travel Insurance review here.

Best for family coverage: Travelex Travel Insurance

Trip cancellation coverage for up to 100% of the trip cost and trip interruption coverage for up to 150% of the trip cost

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Options to cover sports equipment
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Option to increase medical coverage
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Can cancel up to 48 hours before travel when CFAR option is purchased
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable coverage for budget-conscious travelers
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Includes generous baggage delay, loss and trip delay coverage
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Optional "adventure sports" bundle available for riskier activities
• con icon Two crossed lines that form an 'X'. Only two insurance plans to choose from
• con icon Two crossed lines that form an 'X'. Medical coverage maximum is low at up to $50,000 per person
• con icon Two crossed lines that form an 'X'. Pricier than some competitors with lower coverage ceilings
• con icon Two crossed lines that form an 'X'. Some competitors offer higher medical emergency coverage

Travelex travel insurance is one of the largest travel insurance providers in the US providing domestic and international coverage options. It offers a basic, select, and America option. Read on to learn more.

• Optional CFAR insurance available with the Travel Select plan
• Trip delay insurance starting at $500 with the Travel Basic plan
• Emergency medical and dental coverage starting at $15,000

Travelex Travel Insurance offers coverage for your whole crew, perfect for when you're planning a family trip. Its family plan insures all your children 17 and under at no additional cost. The travel insurance provider also offers add-ons like adventure sports and car rental collision coverage to protect your family under any circumstance. Got pets? With Travelex's Travel Select plan, you can also get coverage for your furry friend's emergency medical and transportation expenses. 

Read our Travelex Travel Insurance review here.

Best for long trips: Seven Corners

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Diverse coverage options such as CFAR, optional sports equipment coverage, etc.
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Available in all 50 states
• con icon Two crossed lines that form an 'X'. Prices are higher than many competitors
• con icon Two crossed lines that form an 'X'. Reviews around claims processing are mixed
• Trip cancellation insurance of up to 100% of the trip cost
• Trip interruption insurance of up to 150% of the trip cost
• Cancel for any reason (CFAR) insurance available

Seven Corners Travel Insurance offers specialized coverage that the standard short-term travel insurance policy won't provide, which is helpful if you're embarking on a long-term trip. You can choose from several plans, including the Annual Multi-Trip plan, which provides medical coverage for multiple international trips for up to 364 days. This policy also offers COVID-19 medical and evacuation coverage up to $1 million. 

You also get the added benefit of incidental expense coverage. This policy will cover remote health-related services and information, treatment of injury or illness, and live consultations via telecommunication. 

Read our Seven Corners Travel Insurance review here.

How to Find the Right International Travel Insurance Company 

Different travelers and trips require different types of insurance coverage. So, consider these tips if you're in the market to insure your trip. 

Determine your needs 

Your needs for travel insurance will depend on the type of trip you're taking. You'll need to consider your destination and what you'll be doing there, either business, leisure, or adventure traveling. Policies covering adventure sports and activities will cost more. Longer, more expensive trips will also cost more. 

Research the reputation of the company 

When researching a company, you'll want to closely review the description of services. You'll want to see how claims are handled, any exceptions, and limitations.

You'll also want to look at the company's customer reviews on sites like Trustpilot, BBB, and Squaremouth, as this will provide insight on the quality of customer service and the claims process. You should also take note of whether companies respond to customer reviews.

Compare prices

You can get quotes through a company's website or travel insurance aggregators like InsureMyTrip and VisitorsCoverage. You'll need to be prepared to provide the following information about your trip:

• Trip destination(s)
• Travel dates
• Number of travelers
• Traveler(s) age/birthday
• State of residence
• Total trip cost

For companies that offer travel medical insurance, you'll also want to play around with the deductible options, as they can affect your policy premium. 

Understanding International Travel Insurance Coverage Options

Travel insurance can be confusing, but we're here to simplify it for you. We'll break down the industry's jargon to help you understand what travel insurance covers to help you decide what your policy needs. Bear in mind that exclusions and limitations for your age and destination may apply. 

Finding the Best Price for International Travel Insurance

Your policy cost will depend on several factors, such as the length of your trip, destination, coverage limits, and age. Typically, a comprehensive policy includes travel cancellation coverage costs between 5% and 10% of your total trip cost.

If you're planning an international trip that costs $4,500, you can expect to pay anywhere from $225 to $450 for your policy. Comparing quotes from multiple providers can help you find a budget-friendly travel insurance policy that meets your needs.

Why You Should Trust Us: How We Reviewed International Travel Insurance Companies

We ranked and assigned superlatives to the best travel insurance companies based on our insurance rating methodology . It focuses on several key factors, including: 

• Policy types: We analyzed company offerings such as coverage levels, exclusions, and policy upgrades, taking note of providers that offer a range of travel-related issues beyond the standard coverages. 
• Affordability: We recognize that cheap premiums don't necessarily equate to sufficient coverage. So, we seek providers that offer competitive rates with comprehensive policies and quality customer service. We also call out any discounts or special offers available. 
• Flexibility: Travel insurance isn't one-size-fits-all. We highlight providers that offer a wide array of coverage options, including single-trip, multi-trip, and long-term policies.
• Claims handling: The claims process should be pain-free for policyholders. We seek providers that offer a streamlined process via online claims filing and a track record of handling claims fairly and efficiently. 
• Quality customer service: Good customer service is as important as affordability and flexibility. We highlight companies that offer 24/7 assistance and have a strong record of customer service responsiveness. 

We consult user feedback and reviews to determine how each company fares in each category. We also check the provider's financial rating and volume of complaints via third-party rating agencies. 

Read more about how Business Insider rates insurance products here.

International Travel Insurance FAQs

The best insurance policy depends on your individual situation, including your destination and budget. However, popular options include Allianz Travel Insurance, World Nomads, and Travel Guard. 

You should pay attention to any limitations regarding covered cancellations, pre-existing conditions, and adventure activities. For example, if you're worried you may have to cancel a trip for work reasons, ensure that you've worked at your company long enough to qualify for cancellation coverage, as that is a condition with some insurers. You should also see if your destination has any travel advisories, as that can affect your policy. 

Typically, your regular health insurance won't cover you out of the country, so you'll want to make sure your travel insurance has adequate medical emergency coverage. Depending on your travel plans, you may want to purchase add-ons, such as adventure sports coverage, if you're planning on doing anything adventurous like bungee jumping.

Travel insurance is worth the price for international travel because they're generally more expensive, so you have more to lose. Additionally, your regular health insurance won't cover you in other countries, so without travel insurance, you'll end up paying out of pocket for any emergency medical care you receive out of the US.

You should purchase travel insurance as soon as possible after making payment on your trip. This makes you eligible for add-ons like coverage for pre-existing conditions and CFAR. It also mitigates the chance of any losses in the days leading up to your trip. 

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Warnings and insurance

The Foreign, Commonwealth & Development Office ( FCDO ) provides advice about risks of travel to help British nationals make informed decisions. Find out more about FCDO travel advice .

Before you travel

No travel can be guaranteed safe. Read all the advice in this guide as well as support for British nationals abroad which includes:

• advice on preparing for travel abroad and reducing risks
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Follow and contact FCDO travel on Twitter , Facebook and Instagram . You can also sign up to get email notifications when this advice is updated.

Travel insurance

If you choose to travel, research your destinations and get appropriate travel insurance . Insurance should cover your itinerary, planned activities and expenses in an emergency.

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Key Benefits:

• Medical Sum Insured - $500,000
• Personal Accident - $30,000
• Personal Liability - $250,000
• Medical Sum Insured - $250,000
• Personal Accident - $25,000
• Personal Liability - $200,000
• Medical Sum Insured - $100,000
• Personal Accident - $20,000
• Personal Liability - $100,000
• Medical Sum Insured - $30,000
• Covers Loss of Passport & checked baggage
• Covers trip delay
• Medical Sum Insured - $25,000
• Covers loss of passport & checked baggage
• Covers Loss of passport & checked baggage
• Daily Hospitalisation Allowance
• Medical Sum Insured - $50,000
• Personal Accident - $15,000
• Compassionate visit
• Medical Sum Insured - €30,000
• Personal Accident - €10,000
• Medical Sum Insured - €50,000
• Personal Accident - €15,000
• Personal Liability - $50,000
• Personal Liability - $150,000 & more ...
• Personal Liability - $100,000 & more ...
• 2 way Compassionate visit

Travel Insurance for Finland

Plan details.

Ho me to beautiful mountains, waterfalls, bays, and the stunning area known as Lapland, Finland is the nation where you can find Santa Clause and see reindeer! It stretches from the Baltic Sea to the Arctic Circle and covers 303, 8152 km in Europe. Russia, Sweden, and Norway surround it, and it is also the eight largest countries in the continent of Europe. Apart from wildlife fanatics, you can also see the ever-stunning Northern Lights in the winter while you are on an adventurous excursion or relaxing your mind and body in a hot sauna. If you are an outdoor enthusiast, then this country is the best spot for you. You can explore the untouched beauty of nature or go for a hike. Finland is the land of unique experiences. You can visit this country every season; however, keep in mind that the winter days of Finland are freezing. Due to its extraordinary location and the fact that visiting this nation can be a little expensive – many people remove it from their travel bucket list. You don't have to be one of them as Finland has to offer a plethora of exposure to the beauty of nature and the advancement of technologies.

If you want to see more wildlife than what Helsinki Zoo has to offer, then you should visit the countryside of Finland. You can find a wide range of animals, including- wolves, bears, elks, lynx and beavers are just a few. But most animals are timid, and many are limited in number so that you won't have much luck without a guide. 

Finland isn't just enormous expanse of unspoiled wilderness. Vivacious cities stock the country's southern areas, headed by the capital, Helsinki, exhilarating urban space with famous design and music scenes. Baltic has a spectacular collection of modern and imperial architecture, island restaurants and chic and quirky bars. And the 'new Suomi' gourmand scene is blooming, with locally foraged flavours. Beyond Helsinki, Tampere and Turku, in particular, are lively, engaging cities with active university-student populations.

If you like adventures and want to experience the inexperienced, then save some Euros and get the most out of your stay! Secure your trip to Finland with a comprehensive travel plan that offers various benefits. A travel insurance policy  covers lost passport, checked-in baggage, and much more. So, wait no more, and plan your trip now!

If you purchase our policy, you will receive the following benefits.

• Compensation for lost or delayed baggage.
• Cover against illness, personal accidents, and medical expenses.
• Loss of passport.
• Cover for trip delay.
• No medical checkups until the age of 80 years to receive a policy.
• Cover for up to 182 days, extendable to another 183 days.
• Cashless medical treatment at your hospital. Now you can also purchase a travel insurance policy online. Please fill out the form on the left side of this page to get an instant travel insurance quote. Check out some more travel insurance plans- •  Argentina Travel Insurance •  Ecuador Travel Insurance •  Spain Travel Insurance •  Portugal Travel Insurance •  Greece Travel Insurance •  Turkey Travel Insurance ​
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Find the Right Travel Insurance Plan for You

Whether you're traveling for leisure or business, you'll appreciate the benefits and coverage Allianz Travel Insurance plans can provide. With 24/7 support from our travel professionals around the world, we helped over 70 million people last year to protect themselves from the unpredictable.

OneTrip Prime

AllTrips Executive

OneTrip Rental Car Protector

OneTrip Basic

OneTrip Premier

OneTrip Emergency Medical

OneTrip Cancellation Plus

AllTrips Basic

AllTrips Prime

AllTrips Premier

Terms, conditions, and exclusions apply. Please see your plan for full details. Benefits/Coverage may vary by state, and sublimits may apply.

Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best's 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at  800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or [email protected] .

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Travel Insurance Finland

Finland country guide.

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Quick Facts

Region: Europe Full Name: Republic of Finland Capital City: Helsinki Language Spoken: Finnish 92% (official), Swedish 5.6% (official), other 2.4% (small Sami- and Russian-speaking minorities) (2003)

Finland Travel Insurance

Get travel insurance to Finland from Direct Travel Insurance. We offer low cost and high quality travel insurance to Finland and most of the world.

Geographic data

64 00 N, 26 00 E

Elevation Extremes

lowest point: Baltic Sea 0 m highest point: Haltiatunturi 1,328 m

Land boundaries

total: 2,681 km border countries: Norway 727 km, Sweden 614 km, Russia 1,340 km

Natural hazards

Natural resources.

timber, iron ore, copper, lead, zinc, chromite, nickel, gold, silver, limestone

arable land: 6.54% permanent crops: 0.02% other: 93.44% (2005)

Environmental current issues

air pollution from manufacturing and power plants contributing to acid rain; water pollution from industrial wastes, agricultural chemicals; habitat loss threatens wildlife populations

Temperate climate, but with considerable temperature variations (see below). Summer is warm with relatively mild weather in spring and autumn. Winter, which lasts from November to mid-March, is very cold. In the north (see the chart for Sodankyla), the snow cover lasts from mid-October until mid-May, but, in the brief Arctic summer, there may be up to 16 hours of sunshine a day. Rainfall is distributed throughout the year with snow in winter, but the low humidity often has the effect of making it seem warmer than the temperature would indicate (even in Lapland, the temperature can rise to over 30°C). During warm weather, gnats and mosquitos can be a hazard, particularly in the north of the country. Bring a good supply of insect repellant. The Twilight season lasts for two months in the north during winter. Required clothing Light- to mediumweights in warmer months. Medium- to heavyweights in winter, with particularly warm clothing needed for the Arctic north. Waterproofing is essential throughout the year.

Time difference

time difference: UTC+2 daylight saving time: +1hr, begins last Sunday in March; ends last Sunday in October

5,231,372 (July 2006 est.)

Age structure

0-14 years: 17.1% (male 455,420/female 438,719) 15-64 years: 66.7% (male 1,766,674/female 1,724,858) 65 years and over: 16.2% (male 337,257/female 508,444) (2006 est.)

total: 41.3 years male: 39.7 years female: 42.8 years (2006 est.)

Population growth rate

0.14% (2006 est.)

10.45 births/1,000 population (2006 est.)

9.86 deaths/1,000 population (2006 est.)

Net migration rate

0.84 migrant(s)/1,000 population (2006 est.)

at birth: 1.04 male(s)/female under 15 years: 1.04 male(s)/female 15-64 years: 1.02 male(s)/female 65 years and over: 0.66 male(s)/female total population: 0.96 male(s)/female (2006 est.)

Life expectancy at birth

total population: 78.5 years male: 74.99 years female: 82.17 years (2006 est.)

Total fertility rate

1.73 children born/woman (2006 est.)

Business Practices

Businessmen are expected to dress smartly. Most Finnish business people speak English and/or German. Punctuality is essential for business and social occasions. The exchange of business cards is common. Overall business protocol is similar to that in the Europe and North America. Relationships are important within the social and business world, as Finns prefer to deal with people they know and trust. Office hours are 0800-1615 Monday to Friday.

The crime rate in Finland is low compared to most countries. While crime has increased in recent years, Finland remains quite safe. Foreigners visiting Finland are seldom the victims of crime, but visitors should not be complacent regarding personal safety or the protection of valuables. The same precautions employed in any large cities should be followed in Finish cities. Finnish police services are excellent; however, some police officers speak little English. The telephone number for police and other emergency services throughout Finland is (112). All forms of public transportation are considered safe and taxi service is normally honest. Street crimes such as muggings are uncommon, but pickpocketing occurs occasionally. It is wise to restrict walking trips to well-traveled areas until familiar with local conditions.

Hotels and other accommodations are plentiful in Finland. The price level varies from district to district, being higher in Helsinki and some areas of Lapland. Many hotels and motels usually include breakfast in their rates.

Communications

Full telephone IDD is available. Country code: 358. Outgoing international code: 999 or 990. Finland is in the forefront of development and usage of telecommunications. Telephone calls can be made from Finland to almost 200 countries, and Finland has one of the most extensive mobile phone networks in the world. The Central Post Office is open 0800-2100 Monday to Friday; 0900-1800 Saturday; and 1100-2100 Sunday. Generally, post offices are open 0900-1700 Monday to Friday, closed Saturday. During winter many town offices are open 0900-1800.

Electricity

is 220 volts AC, 50Hz. Continental 2-pin plugs are standard. Electricity 220 (230) volts AC, 50Hz. Continental two-pin plugs are standard.

Food And Dining

Potatoes, meat, fish, milk, butter and rye bread are the traditional mainstays of the Finnish diet, but food in Finland has been greatly influenced both by Western (French and Swedish) and Eastern (Russian) cooking. Tourists can expect excellent fresh fish dishes such as pike, trout, perch, whitefish, salmon and Baltic herring. All are in abundance most of the year. Each region has its own traditional dishes. In restaurants (ravintola), the menu is continental with several Finnish specialties. Inexpensive lunches are served at places called kahvila and baari (the latter is not necessarily a licensed bar). Things to know: Restaurants are divided into two classes: those serving all kinds of alcohol and those serving only beers and wines. Waiter service is common although there are many self-service snack bars. Bars and cafes may have table and/or counter service and all internationally known beverages are available. In restaurants, beer is served from 0900 and other liquor from 1100. All alcohol is served until half an hour before the restaurant closes. Nightclubs are open to serve drinks until 0200 or 0400. Service begins at 1100 and continues until the restaurant closes. The age limit for drinking is 18 years, but consumers must be 20 before they can buy the stronger alcoholic beverages. There are strict laws against drinking and driving. National specialties: ? The province of ?land has Sk?rg?rdssmak, or 'Island flavors', and features mainly local fish. ? Karelia ? la carte focuses on the Karelian buffet traditions and wholesome stews and casseroles. ? Lapland ? la carte features reindeer meat, smoked or in other forms, fish and Lapp puikula potatoes, with cloudberries for desert, often served with hot toffee sauce. ? Kalakukko, a kind of fish and pork pie, baked in a rye flour crust, and karjalan piirakat, a pastry of rye flour stuffed with rice pudding or potato and eaten with egg butter. ? Various kinds of thick soups are also popular. ? Crayfish is available from July to August. National drinks: ? Koskenkorva or Finlandia vodka schnapps, traditionally drunk with lamprey, Baltic herring or other cold fish. ? The Finnish berry liqueurs, mesimarja (arctic bramble), lakka (cloudberry) and polar (cranberry). ? Finnish vodka, usually served ice-cold with meals. ? Finnish beer is of a high quality and mild beers are served in most coffee bars. Tipping: Tipping, once non-existent in Finland, is becoming common. A 15 per cent service charge is included in the bill in hotels. Restaurants and bars have a 14 per cent service charge weekdays and 15 per cent on weekends and holidays. The obligatory cloakroom or doorman fee is usually clearly indicated. Taxi drivers are not normally tipped. Restaurant classification Prices for alcohol vary according to the restaurant's classification. E: Elite price category. G: General price category. S: Self-service price category. A: Fully licensed. B: Licensed for beer and wine.

Entry departure requirements

Note Finland is a signatory to the 1995 Schengen Agreement.

Visa immigration information

Passport valid for at least three months beyond length of stay required by all except: 1. EU/EEA nationals (EU + Iceland, Liechtenstein, Norway) and Swiss nationals holding a valid national ID card. Note: EU and EEA nationals are only required to produce evidence of their EU/EEA nationality and identity in order to be admitted to any EU/EEA Member State. This evidence can take the form of a valid national passport or national identity card. Either is acceptable. Possession of a return ticket, any length of validity on their document, sufficient funds for the length of their proposed visit should not be imposed. (b) nationals of San Marino holding a valid national ID card.

Required by all except the following for a period of up to 90 days: (a) EU nationals and all nationals listed in the chart and under passport exemptions (with national ID cards) above; (b) nationals of Andorra, Argentina, Bolivia, Brazil, Brunei, Bulgaria, Chile, Costa Rica, Croatia, El Salvador, Guatemala, Honduras, Hong Kong (SAR), Israel, Korea (Rep), Macau (SAR), Malaysia, Mexico, Monaco, New Zealand, Nicaragua, Panama, Paraguay, Romania, Singapore, Uruguay, Vatican City and Venezuela. Visas are required for stays exceeding 90 days and by all who wish to work during their stay except nationals of Denmark, Iceland, Norway and Sweden; (c) holders of a UN or EU laissez-passer.

Types of visa and cost

The Schengen visa, is issued for tourist, business and private visits. All visas are US$41 (US$41 ), regardless of duration of stay or whether single-, double- or multiple-entry. Visa fees may vary with the rate of exchange. The transfer of a visa costs US$24

Spouses and children of EU nationals (providing spouse's passport and the original marriage certificate/children's full birth certificate is produced), and nationals of some other countries, receive their visas free of charge (enquire at Embassy for details).

Transit visas are valid for up to five days. Single-entry and double-entry visas are valid for up to 90 days within a six-month period. Multiple-entry visas are valid for up to one year. Applications for renewal or extension should be made to the Embassy or Authorities in Finland.

Application to

Consulate (or Consular section at Embassy); see Passport/Visa Information. Visas must be applied for in person at Embassy of Schengen country visited. If visiting more than one Schengen country, apply to the Embassy of the main destination or to the Embassy of the country entered first (if there is no main destination).

Nationals must apply in person at the London Embassy if they are applying for a visa in the UK and reside in the vicinity of London.

Application requirements

(a) One completed, signed application form. (b) One passport-size photo. (c) Passport valid for at least three months from the date of return. An alien's spouse and children under 16 years may travel with passport holder if their names and dates of birth are in the passport, plus photo of spouse and photos of any children under seven years. (d) Re-entry permit into the UK valid for at least 90 days (for applicants applying at the Finnish Embassy in London). (e) Valid travel insurance other than EHIC. (f) Hotel reservation or original invitation from either a family or company in Finland. (g) Reservation of travel tickets (possibly original return tickets also) and proof of funds. (h) Fee (non-refundable; payable in advance in cash or by postal order only). (i) For minors under 18 years, letter from college/university and written permission from both parents, plus copy of parents' passports. (j) Proof of funds (eg bank statement, credit card). Business: (a)-(j) and, (k) Letter of invitation from the Finnish company confirming length and purpose of stay and a letter from current employer. If Student, letter from educational institution.

All documents should be submitted both in their original form and with photocopy attached.

Working days required

Up to two weeks, although sometimes longer.

Temporary residence and work

Apply to Finnish Embassy. Work permits and Residence permits should be arranged well in advance. EU nationals and nationals of Iceland, Liechtenstein, Norway and Switzerland are allowed to live and work in Finland without visas or permits for up to 90 days; for periods exceeding 90 days, they can obtain a residence permit (a work permit is not required) from the local police station. Contact the Directorate of Immigration for more information (website: www.uvi.fi ).

Those wishing to visit the CIS from Finland are advised to obtain their visa in their country of origin; applications made in Helsinki take at least eight working days.

HIV entry requirements

No Test required

Departure tax

Embassy of finland in the uk.

38 Chesham Place, London SW1X 8HW, UK Tel: (020) 7838 6200. Website: www.finemb.org.uk Opening hours: Mon-Fri 0830-1230, 1330-1630; 0900-1200 (consular affairs in person), 1400-1600 (consular telephone enquiries).

Embassy of Finland in the USA

3301 Massachusetts Avenue, NW, Washington, DC 20008, USA Tel: (202) 298 5800. Website: www.finland.org

Travel Advice

Most visits to Finland are trouble-free but you should be aware of the global risk of indiscriminate international terrorist attacks, which could be against civilian targets, including places frequented by foreigners. This advice is based on information provided by the Foreign, Commonwealth & Development Office in the UK. It is correct at time of publishing. As the situation can change rapidly, visitors are advised to contact the following organizations for the latest travel advice:

British Foreign, Commonwealth & Development Office

Tel: (0845) 850 2829. Website: www.gov.uk/foreign-travel-advice

US Department of State

Website: https://travel.state.gov/content/travel.html

The Euro is now the official currency of 12 EU member states (including Finland). The first Euro coins and notes were introduced in January 2002; the Finnish Markka was still in circulation until 28 February 2002, when it was completely replaced by the Euro. Euro (?) = 100 cents. Notes are in denominations of ?500, 200, 100, 50, 20, 10 and 5. Coins are in denominations of ?2 and 1, and 50, 20, 10, 5, 2 and 1 cents.

Currency restrictions

Unrestricted export and import of local and foreign currency.

Banking hours

Mon-Fri 0915-1615 (regional variations may occur).

Currency exchange

Foreign currency and traveller's cheques can be exchanged in banks and at bureaux de change at ports, stations and airports.

Credit cards

American Express, Diners Club, MasterCard and Visa are widely accepted, as are Eurocheque cards. Check with your credit or debit card company for details of merchant acceptability and other services which may be available. Up-to-date information is available in Helsinki from American Express (tel: (9) 6132 0400) or Diners Club (tel: (9) 693 991).

Travellers cheques

Traveller's cheques are also accepted in banks and some shops. To avoid additional exchange rate charges, travelers are advised to take traveller's cheques in Euros, Pounds Sterling or US Dollars.

• Health Information
• Recent Disease Outbreak
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Dental care

A high standard of dental care is available in Finland

Medication Availability

Medication is available via pharmacies throughout Finland

Blood supplies

Blood supplies are considered safe and screened to international standards

Medical facilities

Medical facilities are widely available for emergency services. The public hospital system and many private hospitals honor foreign credit cards.

General caution

Recent medical and dental exams should ensure that the traveler is in good health. Carry appropriate health and accident insurance documents and copies of any important medical records. Bring an adequate supply of all prescription and other medications as well as any necessary personal hygiene items, including a spare pair of eyeglasses or contact lenses if necessary.

Specific concerns

Helsinki's winter is cold and long and, for those staying for long periods, may aggravate conditions such as neuralgia, rheumatism, and sinus disorders. Since long periods pass without much sunlight, vitamins are recommended.

Immunization

Disease risk summary.

The general level of community sanitation is high. Public cleanliness and controls are adequate to prevent serious outbreaks of disease. The sanitation standards and safety of locally purchased goods are comparable to those in the United States. The incidence of communicable diseases in most areas is such that they are unlikely to prove a hazard to the international traveler greater than that found in his own country. There are, of course, health risks, but in most areas the precautions required are minimal. High levels of immunization coverage have reduced the incidence of diseases such as measles and diphtheria. Influenza risk extends from November to April.

Entry requirements

Recent disease outbreaks.

No recent disease outbreaks

Finland has embarked on a comprehensive digitization program. Analogue TV transmissions are expected to cease in 2007. Public service YLE provides national radio and TV programming. Newspapers are privately owned and reflect a broad spectrum of political views. Press: There are over 200 daily newspapers, with the most popular including: Aamulehti, Helsingin Sanomat (contains English-language pages), Ilta-Sanomat and Iltalehti. Apu and Seura are weekly illustrated news magazines. Kauppalehti is one of the leading daily business newspapers. There are no English-language newspapers published in Finland, but most UK and US daily newspapers are available, as well as international papers in many different languages. TV: Yleisradio Oy (YLE) is a public service broadcaster that operates several channels in Finnish and Swedish. MTV3 and Nelonen (Channel 4) are private stations. Radio: Yleisradio Oy (YLE) is a public service broadcaster that operates radio channels in Finnish, Swedish and Sa'mi (Lappish).

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How much should you spend on long-term care insurance? What experts say

By Tim Maxwell

Edited By Angelica Leicht

May 27, 2024 / 9:58 AM EDT / CBS News

The high cost of long-term care can significantly impact seniors' finances at a time when many older Americans can least afford it. According to Genworth's 2023 Cost of Care Survey, the average cost for a private room in a nursing home is $116,800 , representing a 4.9% increase over 2022 costs. While getting assistance from a home health aid is substantially lower, its $75.500 average annual cost still represents an outlay of nearly $6,300 per month.

These expenses can wreak havoc on your finances if you're a senior living on a fixed income from Social Security or a pension. And, long-term care costs are only getting more expensive due to greater demand and increased labor costs.

While Medicare generally won't cover these expenses, the right long-term care insurance plan will. Of course, the same factors that drive up long-term care also impact the price of the insurance to cover it. As such, it's important to understand the costs of long-term care (LTC) insurance and how much you should spend on a policy.

Find out how much a long-term care insurance policy could cost you here .

We asked several experts to weigh in on long-term care insurance costs for seniors. Here's what they had to say:

The cost of long-term care insurance varies by your situation

One idea the experts agree on is that the appropriate amount you might pay for long-term care insurance depends on your personal circumstances. The type of insurance you get, age, coverage options and other factors also weigh heavily in your premium amount.

" The amount seniors should spend on long-term care insurance should align with their personal financial situation, health status, coverage needs and age," says Skip Skolnik, founder and senior estate planner at Skolnik Retirement Solutions. "Seniors should also be aware that many policies are 'use it or lose it,' meaning you could easily pay on a policy for 10 or 20 years, pass in your sleep and have no benefit from the long-term insurance coverage."

Todd Wolfe, a senior insurance associate at Telemus, agrees that your long-term care insurance premium amount depends on your financial situation, goals and needs. 

"It's all about finding a balance that they can afford and be comfortable with. Traditional long-term care costs really does vary because there are so many different design options in addition to the increasing cost with age. The top three that drive the cost are daily or monthly benefit amount, length of coverage and if there is an inflation option selection," Wolfe says.

One of the downsides of long-term care is that its cost can strain your finances, especially if you don't have coverage for it. Insurance can help you protect yourself financially, but determining what and how you should pay for it is challenging.

"There is no perfect formula," says Kevin Patrick Peters, a certified life underwriter and wealth advisor at XML Financial Group. "Typically, a senior considering LTC insurance should own their own home and have assets of $100,000 or more to protect," says Peters, who adds that seniors should also want to protect those assets and remain independent in their home for as long as possible. "Many seniors may consider using a portion of the interest of those assets to pay for LTC insurance if that interest is not required for their day-to-day living expenses."

Explore your long-term care options and compare policies here .

Costs could be lower with employer-provided insurance

As with other types of insurance, it's wise to compare rates from multiple insurers to find the best combination of coverage and costs for your situation. While policy choices play a significant role in the amount of your long-term care insurance premiums, who provides your policy is equally important.

Chris Orestis, president of Retirement Genius, recommends getting coverage through your employer if you have that opsion. 

"People can also obtain coverage through a hybrid life and LTC insurance policy, or they can purchase an annuity that offers LTC coverage. Each option offers unique benefits that will impact what they cost, but the overall average cost of a standard long-term care insurance policy for someone age 60 is about $1,200 and by age 65 increases to $1,700," Orestis says.

How to secure cost-effective long-term care insurance

Premiums for long-term care insurance tend to be lower for younger applicants, so it often pays to take out a policy early if you anticipate needing care later in life. Another way to keep your insurance costs in check is to avoid purchasing more coverage than necessary. Consider your financial means to make payments, how much family support you might expect and what coverage options are essential versus what you may do without.

One of the most significant factors to play a role in your long-term care insurance premiums is the amount of coverage you purchase. That's why, if your goal is to make long-term care insurance more affordable, you may want to take the time to consider how much coverage you'll need and what financial assets and resources will be available to you if you need long-term care.

Skolnik recommends looking into hybrid insurance products, which may address your needs better. 

"There are hybrid-joint policies that will pay out a multiple as high as three times the premium to cover the needs of care," he says. "Many of these are also 100% return of premium, which means if you or your spouse never need to go to a nursing home, the initial premium is returned with a guaranteed compounded interest rate to the insured estate."

The bottom line

While it's not something we like to think about or plan for, statistics show that we should prepare for our care in our later years. According to the Center for Retirement Research at Boston College, roughly 80% of 65-year-olds will need some form of long-term care at some point. As such, it's wise to prepare for long-term care before age 65 , although planning later is still beneficial.

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