Travel insurance

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

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

Choose 9 for service in English

Your deductible is EUR 0
We reimburse medical expenses for illnesses and accidents occurring during travel without an upper limit.
Fair compensation for cancelled journeys
We will compensate up to EUR 5,000 worth of travel expenses if you fall ill before your journey.
Children included
The insurance also covers your children and grandchildren under 20, who are traveling with you.

Travel insurance brings peace of mind when travelling around the world and domestically

Our comprehensive travel insurance can help you even in difficult situations, whether you fall ill just before or during your trip or even if you lose your luggage.

If travel insurance can also be extended to cover domestic trips when you choose our continuous travel insurance. It may be cheaper to insure an individual trip abroad with a fixed-term travel insurance policy.

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Temporary and continuous travel insurances

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

A temporary travel insurance, or fixed-term insurance, is usually cheaper when you travel abroad only once a year and do not travel domestically. Insurance is always purchased for one trip at a time, and the price is affected by the destination and the duration of the trip.

Temporary travel insurance has no age restrictions, which means that people aged 80 or over can also get one.

When you travel often or for a longer period

Continuous travel insurance is the most convenient and affordable solution for travelling abroad or domestically at least twice a year. It leaves you with more time to concentrate on planning your travel instead of having to think about insurance, since you do not have to notify us about your trips.

The insurance is valid on journeys lasting up to 45 days. If necessary, you can also buy cover for additional days and extend the scope of your insurance to also cover costs of treating illnesses and accidents happening during domestic travel.

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

What are the benefits of getting your travel insurance from If?

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

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.
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.
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.
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.
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.

Can I get travel insurance for longer trips?

Continuous travel insurance is valid for a maximum of 45 days for long journeys, and for trips longer than that you will need a temporary travel insurance.

You can also buy temporary travel insurance for student exchange or other long trips from our customer service if you are under 27 years old or if you have home insurance provided by us.

Otherwise, you should contact our customer service. If you already have continuous travel insurance, you can also purchase coverage for periods exceeding 45 days as necessary.

How early should I take out a travel insurance policy?

It is advisable to take out a travel insurance policy no later than three days before the start of the trip in order to ensure that you can get compensated in case the trip is cancelled due to illness for example.

In other respects, the travel insurance is immediately valid even if you get it at the very last minute at the airport.

Is travel insurance valid in Finland?

When you purchase a continuous travel insurance policy, it will also cover cancellations or interruptions of domestic travel due to illness and similar reasons.

If you wish, you can also extend your continuous travel insurance to cover the costs of treating illnesses and accidents happening during domestic trips.

Is it possible to participate in high-risk sports and events while travelling?

Travel insurance is valid when participating in the following high-risk sports:

Diving (trial dive or basic diving course, e.g. open water diver course)
Climbing or glacier trekking (guided session lasting no more than 4 hours)
Bungee jumping, hot-air ballooning, tandem parachuting, tandem hang-gliding or tandem parachute gliding

If you are already involved in the aforementioned or other risky sports, you will need a separate sports insurance policy for the trip. You will also need one when participating in a competitive event for any sport while travelling.

Get sports insurance for your trip through our customer service.

Insured persons under the age of 18 do not need additional cover, as the travel insurance will be valid for all sports even when participating in competitions.

How can I terminate my insurance policy?

You can terminate your continuous travel insurance through customer service. If you terminate your insurance, the premium will be charged for the validity period of the insurance.

If you terminate a continuous insurance policy during the first insurance period, an additional processing fee of EUR 30 will be charged. In this case as well you will pay no more than the annual insurance premium in total.

The insurance is available to cover passengers and luggage

Traveller’s insurance covers doctor's appointments and trip cancellations, and, if you wish, you can extend your travel insurance to cover baggage and domestic travel as well.

What expenses are covered?	Continuous	Fixed-term
Medical appointments if you fall ill or get injured during your trip	Ingår	Ingår
Ambulance flights to Finland in case of emergency	Ingår	Ingår
If on-call service 24 h will help you e.g. in case of illness	per Ingår	Ingår
Treatment of sports injuries, also downhill skiing and diving are covered	Ingår	Ingår
Travel insurance for children or grandchildren are included in the price	Ingår	Ingår
Journeys abroad - in case of cancellation or interruption we will compensate flights, accommodation and activities paid in advance	Ingår	Ingår
Domestic travel - if your trip is cancelled or interrupted, we will compensate e.g. train or flight tickets, hotel nights and concert tickets	Ingår	Ingår inte

Optional additional covers	Continuous	Fixed-term
Luggage insurance If your luggage is not included in your home insurance, you should get additional travel insurance coverage to cover theft and breakage. If your luggage is delayed, you will receive essential supplies at your destination. The additional coverage also includes legal expenses and liability insurance for the trip.	Ingår	Ingår
Costs of treating illnesses and accidents occurring during domestic trips You and your family can get treatment without having to queue at a private medical centre in a foreign locality. For example, for a person in their thirties, the extension of treatment cost coverage to domestic travel may cost less than 20 euros per year. In any case, the cancellation cover for domestic trips is included in the continuous travel insurance.	Ingår	Ingår inte

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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.

Contact claims