Travel insurance

We’re here to help, no matter where you are in the world.

Reasons why our customers have chosen us

Why get your travel insurance from If?

Treatment costs are reimbursed without an upper limit if you are injured or fall ill

We reimburse medical expenses for illnesses and accidents occurring during travel without a deductible or an upper limit. This way, you can be sure that even a serious unexpected illness on the other side of the world won't ruin your finances.
We reimburse costs up to 5 000 euros if your trip is cancelled due to an illness

When you choose If’s travel insurance, you don’t have to worry that the money you spent on a vacation goes to waste if you fall ill. We will reimburse you for prepaid tickets and accommodation to up to 5 000 euros if you become ill or injured before your trip.

Travel insurance must be taken at least 3 days before the start of the trip in order for cancellations to be covered.

If you choose the continuous travel insurance, it also covers cancellations of domestic trips in addition to foreign ones.
Fast access to help and advice if you get sick or injured while travelling

When you need assistance while travelling, there’s no time to waste looking for the right information. As our customer, help is always just one phone call away, 24 hours a day.

When you call If travel care, we will help you solve the issue, explain what your insurance covers and where you can get help quickly at the destination.

Insurance for your travels

Insure yourself and your luggage

Traveller’s insurance covers medical costs and travel cancellations and interruptions. For the most comprehensive cover, select continuous / long term traveller’s insurance with additional cover for luggage and domestic trips.

Continuous Continuous	Temporary Temporary
Included	Included	Travel insurance covers treatment costs without a deductible or upper limit if you become injured or ill while travelling abroad (outside of Finland). Travel insurance also covers your children and grandchildren under age 20 travelling with you. Travel insurance also covers injuries suffered during physical exercise. For insured persons under the age of 18, travel insurance applies in all sports.
Included	Included	For If’s travel insurance customers, help is always just one phone call away. Get 24/7 assistance with travel-related problems in Finnish, English and Swedish. Our experts will answer your questions, help you find the nearest medical provider and explain what is covered by your insurance.
Included	Included	If's travel insurance includes crisis cover. For example, in the event of a natural disaster or terrorist attack, we will reimburse the cancellation and interruption of your trip. We reimburse the costs of cancelling the trip up to 5 000 euros per trip and per insured person. For example, for a family of four, the maximum amount of compensation could be as high as 20 000 euros. Crisis cover is included in continuous travel insurance and in temporary travel insurance taken out three days before the start of the trip. Travel insurance also reimburses medical flights to Finland in case of emergency.
Included	Included	Travel insurance reimburses if you miss the departure for a pre-booked bus, ferry, train or flight (including connecting flights). You will be reimbursed for any additional and necessary travel and accommodation costs caused by the delay. If you are unable to begin the trip at all due to a missed departure, the cost of the lost trip is covered. Reasons for the missed departure entitling to compensation include a delay or obstacle involving a means of transport (public or private) due to weather, technical failure, traffic accident, criminal act or orders issued by the authorities.
Included	Included	We will compensate you for up to 5 000 euros for prepaid or additional travel and accommodation costs if your trip abroad is cancelled or interrupted due to illness. Travel insurance can also cover the costs of travel cancellation or interruption due to the death of the insured person or their close relative or a serious accident or serious, sudden and unexpected illness of the insured person or their close relative.
Included	Not included	When you choose continuous travel insurance, prepaid or additional travel and accommodation expenses are covered in Finland as well if your trip is cancelled or interrupted due to an illness.

Additional optional covers	Continuous Continuous	Temporary Temporary
	Included	Included	If your luggage is not covered by your home insurance, you should take out additional travel insurance against theft and breakage of luggage. If your luggage are delayed, the insurance also covers the cost of buying necessities at the destination. The additional coverage also includes legal expenses and liability insurance for the trip. We recommend that you check your home insurance to see whether it covers luggage. If's home insurance covers luggage. If you choose to take the additional coverage it also includes children and grandchildren travelling with you.
	Included	Not included	When you choose a policy that also covers travel illnesses and accidents in Finland, you get smooth access to private medical clinics while visiting another town or city. For example, for a person in their thirties, choosing the insurance to also cover treatment expenses in Finland may increase the premium by less than 20 euros a year. The additional coverage also includes children and grandchildren under age 20 travelling with you. In any case, the cancellation cover for domestic trips is included in the continuous travel insurance.

Terms and conditions and guides

Travel insurance will not break your budget

When travelling abroad, it is important to be comprehensively insured so that you can get access to medical care flexibly without needing to worry about costs.

We want to offer high-quality travel insurance for all our customers in Finland. It is an affordable insurance that does not break the budget of even economical vacationers.

The price of travel insurance mostly depends on the scope of coverage and the age of the insured due to health reasons. In temporary travel insurance, the destination country also affects the price.

Frequently asked questions about travel insurance

Should I choose temporary or continuous travel insurance?

Continuous travel insurance is the most convenient and affordable solution for travelling abroad or domestically at least twice a year. The continuous insurance is valid all year round for trips that last for no longer than 45 days, and you do not need to notify us of your trips separately.

Temporary travel 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.

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.

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 online 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.

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 or leave a call-back request to our personal insurance specialist.

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.

Do I need travel insurance in Europe?

The Finnish Ministry of Foreign Affairs recommends travel insurance also in the EU, as the European Health Insurance Card does not cover costs for specialised medical care or transportation back to Finland.

We cover your medical expenses when you travel, and your deductible is always 0 euros. With travel insurance, you also get to choose your medical treatment provider. You can quickly access a trusted doctor through our extensive network of partners, and when you use the services of our partner doctor, you may not need to pay anything out of pocket.

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