Travel insurance

In order to buy a travel insurance, call our customer service

Call +358 10 19 19 19

Choose 9 for service in English

If Travel insurance is convenient and comprehensive. You can enjoy Finland’s best claims services and 24/7 assistance.

  • Compensation for treatment expenses without an upper limit or deductibles

    If you fall ill or get injured during a travel, the costs can amount to tens of thousands of euros.

  • We will compensate the price of your flight if you fall ill before your journey

    Did someone fall ill at the last minute or has a crisis developed at the destination? We will compensate up to EUR 5,000 worth of travel expenses if your journey is cancelled.

  • Transport to Finland in case of serious illness

    We will compensate for patient transfer expenses from abroad to Finland if you fall seriously ill or get seriously injured.


What expenses are covered? Traveller and luggage Traveller
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Benefits of getting your travel insurance from If

When you take If Travel insurance with you on your journey, you can enjoy with a peace of mind. Here are five great reasons for getting your travel insurance from If:

  1. Medical expenses without an upper limit. 
    If’s travel insurance covers your medical expenses when you travel and the deductible is zero euros. This means that you do not have to pay any of the covered treatment expenses.
  2. Physician’s invoices sent directly to If.
    If you show your travel insurance certificate or card when consulting a physician, the health clinic will send the invoice directly to If. You can even download your travel insurance card onto your mobile phone.
  3. Coverage for cancellation of your journey.
    We will compensate up to EUR 5,000 worth of flight and hotel expenses paid in advance if your journey is cancelled due to unexpected illness.
  4. Travel insurance for your child without additional cost.
    When you take out a travel insurance from If, it automatically also covers your children or grandchildren who are under the age of 20 and travelling with you. Your travel insurance covers the luggage of all travellers who live in your household.
  5. Travel insurance for the whole family from our online service.
    You can now go online (in Finnish) to get all the insurances you need at one go and can include all of them under a single invoice.

If also provides Finland’s best claims services and 24/7 assistance in case of illness or injury during travel.

Temporary or continuous travel insurance?

The best travel insurance is not necessarily the cheapest. When choosing your travel insurance, you should take into account how often you travel, what the insurance covers and how much assistance you will receive.

A temporary insurance covers a single journey, while a continuous travel insurance could be better suited for you if you travel multiple times per year. 

You should also consider whether your child needs his or her own travel insurance or if your insurance also covers your child.

Continuous travel insurance - when you travel often or for a longer period

A continuous travel insurance is the best and cheapest choice for you if you travel abroad at least twice per year, make one long journey or travel to a long-haul destination.

  • Continuous travel insurance is valid on journeys lasting up to 45 days. If necessary, you can also buy cover for additional days.
  • You can extend the scope of your insurance to also cover domestic travel.
  • You do not have to worry about insurance matters when planning your journey. This leaves you with more time to concentrate on planning your travel instead of having to think about insurance. You do not have to separately notify us about your travel.

The price of the continuous travel insurance is annual. Our customer service can help you calculate the price of continuous travel insurance. 

Single-trip travel insurance - when you travel abroad only once a year

The single-trip, or temporary, travel insurance is the cheapest travel insurance for you if you travel abroad only once per year. The single-trip insurance is perfect for people of all ages.

You should get the insurance at least three days before you travel. This way we will compensate for your flight ticket if you have to cancel your trip due to illness. The due date of your insurance invoice may be after your trip but your insurance is still valid during the trip.

Your travel destination and the duration of your trip affect the price of the temporary insurance. The insurance is always purchased for a single trip. Our customer service can help you calculate the price of continuous travel insurance.

What to do if I get ill or injured while travelling? 

In an emergency, call the local emergency number.

We can assist you if you are not in acute danger. See instructions and contact details for claims service.

Travel insurance terms and conditions and guides