On this page, we will keep you updated with the latest information on how the coronavirus situation affects your travel insurance.
Updated on 12 March, 2020.
Many of our travel insurance customers are currently worried about travelling due to the novel coronavirus.
We here at If understand your concerns and are closely monitoring the situation.
If you become infected with the coronavirus while travelling, the travel insurance will cover costs of illness as usual.
What should I do if my trip is cancelled?
If you are travelling to ay destination abroad or in Finland you might be eligible for compensation from your travel insurance. The trip must start on the 25th of March or before excluding the areas, that were declared as epidemy areas before, listed in this the table below.
Travel insurances purchased after WHO declared coronavirus as a pandemic outbreak do not cover trips cancelled if the reason for cancellation is coronavirus.
If your flight is cancelled by the airline please apply for compensation from the airline. You should also apply compensation from the tour operator or discuss the possibility to postpone your trip before submitting a claim to us.
You can submit your claim via My Pages (in Finnish) and we will do our best to handle your claim quickly.
We will reimburse additional costs incurred through return travel to Finland
On 17 March 2020, the Ministry for Foreign Affairs of Finland urged Finnish tourists to return to Finland as soon as possible. IF will cover all reasonable and necessary additional travel and accommodation costs for passengers up to a maximum of EUR 2,000 per trip and per policy holder.
Please contact your tour operator or airline urgently to arrange your return.
The return journey needs to have taken place on or after 17 March 2020. No compensation is payable if you have travelled after the Ministry of Foreign Affairs of Finland made its recommendation to avoid traveling to the area in question.
Both the original and any additional travel tickets and other receipts must be made available in order to process the claim for compensation.
Coronavirus information for our health insurance customers
We urge our customers to follow the latest information issued by the Finnish Institute for Health and Welfare (THL) on coronavirus and to follow THL's guidelines.
If you have serious symptoms, you should contact you local healt centre according to THL. Non-serious symptoms should be treated at home.
Any treatment costs incurred by coronavirus will be covered by health insurance as usual. This also applies to public healthcare costs and prescription medicines (e.g. painkillers). Corona tests will only be covered if the doctor has referred to it and THL criteria is met.
If Health Insurance customers have access to If Health services such as health advice and the remote doctor service. The remote doctor service can provide you with advice and assistance from a doctor or nurse without needing to book an appointment. Illnesses that do not require a physical examination, such as the common cold, allergies, stomach complaints, and skin conditions, or renewing a prescription can all be handled via the remote doctor service.
Read more about If Health services
||Journey begins no later than
Other countries and Finnish destinations (excluding the areas mentioned below)
North Rhine-Westphalia, Germany
||Excluding regions of Veneto, Lombardy, Piemonte, Emilia-Romagna (trips to these destinations should have starter 9 March)
South Korea, Iran
China, Hong Kong, Macao
||Journey must have been cancelled by 3 March.
FAQ: Coronavirus and travel insurance
Will costs incurred through illness be compensated if I travel against the recommendations of the Ministry of Foreign Affairs of Finland?
The Ministry of Foreign Affairs of Finland recommends that travel be avoided but has not yet issued a travel ban. Currently, if you contract coronavirus and become ill while traveling, the healthcare costs associated with treating this illness will be compensated through your travel insurance just as with any other case of travel-related illness. The cost of repatriating a body to Finland will also be covered in cases of death.
Can I be compensated for evacuation costs?
Any costs associated with an evacuation resulting from coronavirus are not covered by travel insurance.
Will I be compensated for costs incurred as a result of quarantine measures in Finland or abroad?
Any additional travel and/or accommodation costs associated with quarantine measures are not covered by travel insurance. Kela has stated that it will pay quarantined Finns an infectious disease sickness allowance that covers loss of income.
I have plans to travel at a later date, during spring or summer: will I receive compensation if I have to cancel these plans?
Currently, If provides travel-related compensation as per this table. This information will be updated should any changes to these provisions be made. We recommend that you regularly check this website to stay informed of the current situation.
When should my continuous or temporary travel insurance start?
Compensation requires that travel insurance has been taken out no later than three days before the commencement of the journey and that the reason for the cancellation of the journey has not emerged prior to the insurance having been taken out or the journey having been booked.
New travel insurance taken out after the WHO declaration of a coronavirus pandemic will no longer cover costs incurred as a result of coronavirus.
An airline is not operating flights or is not reimbursing the cost of flight tickets: will I be compensated?
If the airline has cancelled your flight due to coronavirus or for commercial reasons, compensation should be sought from the airline and not from the insurance company.
Even if your flight departs normally, compensation should still be sought from the airline in the first instance. However, in this case, it is also possible to obtain compensation via your travel insurance as per this table.
In addition to the costs of flights and hotels, are the costs of any pre-purchased excursions and airport transfers compensated?
If your journey has to be cancelled, you will also be compensated for prepaid expenses such as those for excursions or for transport from the airport to your hotel or other similar place of travel accommodation. In the first instance, compensation should be sought from the service provider.
Does my travel insurance also cover my travel partner?
If you are travelling with another adult, he or she must submit a contributory claim for compensation on the basis of their own travel insurance. If travel insurances only covers your own children or grandchildren aged 20 years or under.
What should I do if I get sick during the journey?
What you should do if you get sick during your journey:
- If you fall ill or have an accident while on holiday, first contact a doctor with whom If has a direct compensation agreement (in Finnish). The doctor will send the invoice directly to If.
- At the doctor, please present your travel insurance card or certificate. You will find it on My Pages (in Finnish). The easiest way to use My Pages while travelling is via the If Mobile application (in Finnish).
- If you pay the expenses yourself, please keep the receipts. After returning to your home country, you should immediately submit the claim – either online or by contacting our customer service.
- You can also request a payment commitment during your journey by calling +358 10 19 19 19 . Select option 1 bodily injury or illness > 1 emergency abroad.
- Did you know that you can use our HelpMe application free of charge as an If customer? The app provides answers to questions on health wherever you are in the world and helps you find a doctor when you need it.
If you did not find the answer you were looking for, please contact our customer service.