travel medical insurance finland

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Do I need Travel Insurance for Finland?

With its stunning lakes and frozen woodland, as well as the capital, Helsinki, Finland is a perfect tourist trip for both nature lovers and those who want to experience a different culture and let their hair down in a welcoming city with plenty of varied nightlife options. Among the top five attractions in Finland is the stunning architecture of the Old Rauma World Heritage site, an outstanding example of an old Nordic city constructed in wood. There’s also Lapland and its beautiful capital, Rovaniemi, the official Finnish home to Santa Claus, and St. Olaf’s Castle - a picturesque water-bound castle at the heart of Finland’s lakeland. Porvoo, Finland’s second oldest town, is a destination known for its unique and picturesque wooden homes - and a must-see. The city of Kemi is also known for its iconic snow castle, which serves as a venue for weddings and live musical performances. Guests can even stay overnight in the snow hotel. Aside from these attractions, there are the vast expanses of Finland’s national parks - which are perfect for winter and outdoor sports - or even, at the right time of year, viewing the Northern Lights.

To travel to Finland for a short trip lasting fewer than 90 days you will need a Finland Schengen Visa, as it is part of the Schengen Area of European countries that have abolished border controls between each other. If you are traveling to Finland, AXA’s Schengen travel insurance offers extensive protection - as it can cover medical expenses up to €100,000 in Finland and other Schengen Area countries. It also allows you to obtain the travel insurance certificate required with your visa application. 

What does AXA Schengen travel insurance for Finland cover?

Starting at €33 per week (approx. US$36) of your trip, our Schengen Travel insurance covers

• Up to €100,000 coverage in medical expenses 
• Medical repatriation & transport 
• 24/7 medical assistance in English or French in case of urgency
• Up to 180 days of coverage
• All Schengen and European Union countries as well as the United Kingdom (depending on the chosen insurance)
• Insurance certificate issued immediately and approved by the embassies
• No age limit
• Zero deductible - which will allow you to avoid some upfront and early costs with your claim

Is travel insurance required for Finland?

Travel insurance is mandatory if you need a Schengen Visa for Finland. If you don’t need a visa, travel insurance is optional but strongly recommended as medical costs can be high for foreigners, especially as you will need to pay for any prescriptions.

Do you cover emergency medical costs related to coronavirus? 

We will cover your medical costs related to coronavirus provided you haven't traveled against World Health Organization advice, personal medical advice from your doctor, or any other government body’s advice in your home country or the country you are traveling to. Emergency and additional travel costs are also covered providing you have stuck to this advice. 

All issued electronic certificates purchased on the axa-schengen site include this disclaimer: “Medical fees related to COVID-19 are covered in the terms, conditions & exclusions established in the insurance policy”. This will satisfy any embassy rules that state you must get an insurance certificate with Covid protection. 

Will AXA Schengen travel insurance be accepted with my Finland visa application?

Yes! For over 10 years, AXA has been delivering insurance certificates that meet Schengen countries’ requirements to obtain a visa. All you need to do is print the electronic form of the health insurance certificate and enclose it with your visa application. Each AXA Schengen insurance certificate is individualized and bears a number that is verifiable on our website.

What are the requirements for travel insurance for my Finland visa?

To obtain a Schengen Visa to Finland your insurance must meet the following criteria:

• Minimum coverage for at least €30,000 in medical expenses
• It should cover all member states of the Schengen Area
• It should cover any expenses which might arise in connection with repatriation for medical reasons.

I don’t need a Schengen Visa to visit Finland - can I still purchase your insurance to cover my possible health expenses?

As the saying goes "Better safe than sorry". Even though Schengen travel insurance is not mandatory for some travelers, that doesn’t mean you won’t be injured or get ill. A broken wrist or nasty infection can happen to anyone! We thus strongly recommend that you subscribe to our insurance for travelers visiting Europe to make sure your trip is as safe and peaceful as possible.

What are the main advantages of AXA Schengen insurance?

• Compliant with European requirements for Schengen Visa. 10 years of existence
• Immediate coverage. Your insurance covers you from the first day you need it
• No age restriction, zero deductible
• No price variation because of nationality or age
• Refund if your Schengen Visa application is denied

Why should you trust us?

• Medical files processed by AXA Schengen in 2021: 2292
• Medical calls processed by our agents in 2021: 3845

Which insurance plans to consider?

What should i do if i am injured or ill while in finland.

Don’t worry - AXA’s Schengen insurance is here to guide, help, and protect you. In case of a medical emergency, you must contact the AXA Schengen call center at the number provided on your insurance policy. Medical assistance professionals will answer your questions and advise you 24/7 to help you find the medical center best suited to your situation and the closest to your location.

The following information must be given to the call center:

• The number of your policy, which begins with “SCH”.
• The address and telephone number at which you can be reached and the details of the people that can be contacted locally.
• The dossier number, which is communicated at the time of the first call.

IMPORTANT: Remember to always keep bills/ invoices and enclose them with your file.

What should I know when preparing for my trip to Finland?

Security : Crime levels are low in Finland. The tourist season attracts pickpockets in crowded areas. Take sensible precautions and keep your personal belongings, including passports and money, secure.

Public transport: Finland's coach (or bus) network is one of the most comprehensive in Europe, covering more than 90 percent of public roads. If the rail network doesn't reach your Finnish destination, a coach most likely will. Plus, with Finland’s amazing scenery, riding a coach is a good way to relax during your trip.

Opening hours : Most shops are open until 6 pm or 8 pm on weekdays and close between 3 pm and 6 pm on Saturdays. Some are open until 6 pm on Sundays, while others are closed.

Driving license : All driving licenses issued in states recognized by Finland are valid for driving on the country’s mainland.

Restaurants : Restaurant opening times were restricted at the height of the Covid-19 pandemic but bars and restaurants are now allowed to open again until midnight - or in some cases, especially in cities, later. Meals in restaurants are served from 6 pm onwards.

Visa : Although many countries have visa-free travel with Finland and the Schengen Area, if you think you do need a visa to Finland you can find out more, here .

Will my travel insurance cover repatriation if I get injured?

Yes. AXA’s insurance will cover your repatriation in case of injury or illness.

Will my travel insurance fees be refunded if my visa is refused?

Yes. If your visa is refused AXA will refund your insurance fees. But you must provide documentation as to why your visa was refused.

Can I travel to Romania or Bulgaria with my Schengen Visa?

AXA’s Low Cost insurance does not provide coverage for these countries as they are currently outside of the Schengen Zone. However- more bespoke options may do.

Get Schengen insurance

Copyright AXA Assistance 2023 © AXA Assistance is represented by INTER PARTNER ASSISTANCE SA/NV, a public limited liability company governed by Belgian law with registered office at Regentlaan 7, 1000 Brussel, Belgium – Insurance company authorized by the National Bank of Belgium under number 0487 and registered with the Crossroads Bank for Enterprises under number 0415 591 055 – RPR Brussels- VAT BE0415 591 055

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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.

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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

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.

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.

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.

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.

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.

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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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

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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

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12 Best Travel Insurance Policies in Finland for Tourists, Students, and Visitors

Last updated on December 19, 2023

Finland is a popular travel destination in Northern Europe known for its breathtaking natural landscapes, vibrant cities, and high quality of life. Travel insurance policies in Finland offer comprehensive coverage for various travel needs. However, getting appropriate travel insurance is essential for any trip to Finland to cover medical expenses, trip cancellations, lost luggage, and other unforeseen incidents.

This comprehensive guide will explore the best travel insurance policies and options in Finland for tourists, students, and other visitors along with tips for choosing the right policy.

An Overview of Travel Insurance in Finland

Finland has a high-quality healthcare system, but medical costs can still be expensive for visitors. Health insurance that covers medical evacuation is highly recommended. Other risks like lost baggage or trip interruptions also need coverage.

Here are some key things to know about travel insurance for Finland:

• Schengen Visa Requirements  – Visitors from certain countries need Schengen visa insurance that provides a minimum coverage of €30,000 for medical emergencies and repatriation.
• EU Health Insurance Cards  – Thesecards only cover basic state healthcare so supplementary insurance is still required.
• Winter Sports Coverage  – Many policies exclude winter sports so check for coverage if you plan to ski, snowboard, or snowmobile.
• Adventure Activities  – High-risk activities like mountain climbing, scuba diving, etc may require additional coverage.

Keep these factors in mind when choosing a suitable travel insurance policy for your trip.

12 Best Travel Insurance Providers in Finland

1. safetywing safetywing provides global travel medical insurance starting at $37 per month. it covers emergency medical treatment, prescriptions, and hospitalizations abroad..

Key Features:

• Coverage amounts up to $250,000 or $500,000
• Deductible options from $250 to $1000
• Covers COVID-19 and pandemic illnesses
• No upper age limit

SafetyWing is a great budget option for visitors looking for basic emergency medical coverage in Finland.

2. AXA Schengen Visa Insurance

AXA offers Schengen visa compliant insurance plans starting from €58.90. It covers emergency medical treatment, repatriation, and trip cancellations or interruptions.

• Covers up to €30,000 medical expenses
• €50 deductible
• Valid in all Schengen countries
• Trip cancellation up to €5,000
• 24/7 multilingual assistance

AXA is one of the top choices for Schengen visa holders traveling to Finland due to its comprehensive coverage and reputable service.

3. Europ Assistance

Europ Assistance offers Schengen compliant plans starting from €68.25 with worldwide coverage. It covers hospitalization, urgent dental care, repatriation, and loss of luggage.

• Lost baggage up to €1,000
• 24/7 assistance services

Europ Assistance is another leading option for Schengen visa travelers that provides robust medical and trip cancellation protections.

4. World Nomads

World Nomads provides flexible travel insurance for individuals and groups. Plans start from $9 per day and cover emergency medical, evacuations, trip cancellations, and lost luggage.

• Covers up to $500,000 medical expenses
• Can be bought after leaving home
• Covers adventure sports and activities
• Trip cancellation up to total trip cost
• 24-hour emergency assistance hotline

World Nomads is ideal for adventurous travelers in Finland looking for comprehensive coverage and flexible plans.

5. Allianz Travel Insurance

Allianz provides travel insurance plans starting at $7.77 per day. It covers trip interruptions, lost baggage, and emergency medical expenses abroad.

• Covers up to $50,000 medical expenses
• Trip cancellation up to $10,000
• Trip delays up to $250 per day
• Lost baggage coverage included
• Available as single or multi-trip plan

Allianz is a reputable choice for travelers seeking protection for medical emergencies, baggage, or canceled trips in Finland.

Insubuy offers customizable visitor health insurance plans for travel to Finland starting at $1.25 per day. It covers hospitalization costs, doctor visits, prescriptions, and medical evacuations.

• Covers up to $2,000,000 medical expenses
• $0 deductible options available
• Covers emergency dental care
• 90-day coverage period
• Pre-existing conditions waiver available

Insubuy is an affordable option tailored specifically for international visitors traveling to Finland.

7. IMG EuropeTraveler

IMG provides international visitor health insurance plans starting at €0.77 per day. It offers coverage for hospitalization, outpatient treatment, prescriptions, and emergency medical evacuations.

• Covers up to €1,000,000 medical expenses
• €0 deductible options available
• Covers cancer treatment abroad
• 24/7 multilingual support

IMG is designed specifically for visitors traveling to European countries like Finland seeking robust medical coverage.

8. STA Travel Insurance

STA Travel offers comprehensive travel insurance plans starting from $25 for students and other travelers. It covers trip interruptions, delays, medical emergencies, and lost baggage.

• Trip cancellation and interruption up to total trip cost
• Trip delay benefits up to $2,000
• Emergency medical transportation
• 24/7 travel assistance services

STA insurance provides strong protections for student travelers and young adults on trips to Finland.

9. April Travel Insurance

April Travel Insurance offers comprehensive travel plans starting from $30. Core benefits include emergency medical coverage, trip cancellation, lost checked baggage, and 24/7 assistance services.

• Lost luggage up to $3,000
• No maximum age limit

April Travel is ideal for Finland travelers seeking robust medical and trip cancellation coverage.

10. GeoBlue Xplorer

GeoBlue Xplorer offers international health insurance for travelers going abroad. Plans start at $2.48 per day and provide coverage for hospitalizations, doctor visits, prescriptions, and medical evacuations.

• $0 deductible options
• Covers COVID-19 expenses
• 180-day maximum coverage

GeoBlue Xplorer is optimized for extended international trips needing comprehensive medical protections.

11. Seven Corners

Seven Corners provides travel medical insurance for visitors going abroad. Plans start from $1.35 per day and cover hospital bills, doctor visits, emergency medical transportation, and 24/7 travel assistance.

• Trip cancellation/interruption benefits available
• Emergency dental care covered
• 24-hour travel assistance services

Seven Corners visitor insurance plans provide robust medical coverage and travel protections for visitors to Finland.

12. Battleface

Battleface offers flexible travel insurance plans starting from $30 per trip. It covers emergency medical treatment abroad, trip cancellations or interruptions, lost checked baggage, and travel delays.

• Covers up to $500,000 emergency medical expenses
• Trip cancellation up to $30,000
• 24/7 emergency assistance services
• Policies can be bought up to 24 hours after departing

Battleface is ideal for travelers seeking comprehensive coverage and flexible purchase options for trips to Finland.

Choosing the Best Travel Insurance for Finland

Here are some tips for choosing suitable travel insurance for your trip to Finland:

• Compare levels of medical coverage  – Look for policies with emergency medical coverage of at least $50,000 to $100,000. Higher amounts preferred for visitors with health issues.
• Check trip cancellation coverage  – Pick a policy with cancellation coverage equal to the total value of your trip expenses.
• Consider sports coverage  – If you plan on winter sports, check for coverage of skiing, snowboarding, etc.
• Look for lost baggage coverage  – Lost luggage protection starts from $500 to $3000 for checked bags.
• Check Schengen visa requirements  – If you need a Schengen visa, make sure to choose an approved provider that meets minimum policy requirements.
• Compare deductibles  – Average deductibles range from $200 to $500. Higher deductibles can lower premiums.
• Read policy exclusions  – Be aware of exclusions for pre-existing conditions, high-risk activities, certain travel purposes, etc.
• Check insurer reputation  – Pick a travel insurance company known for reliable service and claims processing.

In Conclusion: Having adequate travel insurance is a must for any trip to Finland to protect against costly medical bills or lost trip expenses beyond your control. Comprehensive policies that bundle medical, evacuation, cancellation, lost baggage, and other protections provide peace of mind.

For visitors requiring Schengen visa coverage, be sure to select an approved insurance provider that meets minimum policy requirements for your visa approval. Ultimately, the best travel insurance for your trip depends on your specific needs and budget.

Frequently Asked Questions (FAQs)

Here are answers to some common questions about travel insurance for trips to Finland:

Is travel insurance required for Finland?

Finland does not legally require travel insurance for visitors. However, having emergency medical coverage and other protections is highly recommended for your safety and protection. Some Schengen visa holders are required to have specific levels of insurance.

What is the average cost of travel insurance for Finland?

For basic medical-only coverage, expect rates starting from $1.50 to $5 per day of travel. Comprehensive plans with medical, trip cancellation, and lost luggage coverage range from $7 to $20 per day on average.

Should I buy travel insurance from home or in Finland?

It is typically recommended to purchase travel insurance as soon as you book your trip. This locks in pre-existing medical condition coverage and cancellation protections immediately. However, you can buy supplemental coverage after arriving in Finland as well.

What medical care is covered by travel insurance in Finland?

Most policies will cover emergency hospitalizations, doctor visits, ambulance transportation, emergency dental care, and prescription medications. Evacuations for life-threatening emergencies are also included. Outpatient care may have limits.

How much trip cancellation or interruption coverage should I get?

Look for cancellation and interruption coverage equal to the total prepaid, non-refundable trip expenses subject to cancellation penalties, such as flights, hotels, tours, cruise, etc. Higher coverage amounts provide greater protection.

What is the best travel insurance for Finland visa?

If you need a Finland or Schengen visa, make sure to choose an approved travel insurance company that meets minimum policy requirements such as emergency medical coverage of €30,000 and repatriation coverage.

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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 – 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

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

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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.

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Healthcare System in Finland

Understanding the healthcare system in finland.

Finland is a Northern European country with the capital in Helsinki. It is also one of the most expensive countries to live in the euro area, however, the high costs of living may outweigh the fact that Finland is also named the Happiest Country in the World. Known to have the best education system in the world, the cleanest air, and when it comes to health and safety, Finland is regarded as one of the safest countries to live in Europe. The country also offers free or discounted healthcare services to all its permanent residents.

Public Healthcare System in Finland

In Finland, the public healthcare system offers services to everyone residing in the country, also called universal healthcare. Healthcare in Finland is publicly funded by taxes and social security payments. The Ministry of Social Affairs and Health focuses on policymaking while enforcing the country’s direction in healthcare policies with a focus on disease prevention and health promotion.

However, while the government-level initiatives focus on health promotion and social welfare policies, the healthcare system is highly decentralized, and individual municipalities (local governments) organize and deliver the actual healthcare to Finland’s residents.

Finnish public healthcare is considered of good quality. While waiting times for secondary medical care can be lengthy (up to 3 months, and then extended by another 3), as is the case with any public health system in the world, all primary health centers offer a telephone consultation. There you can describe your ailments and seek immediate advice before your family doctor appointment.

Access to Finland’s Healthcare System

Kela card: finnish social security & health insurance card.

All residents of Finland have their Kela Card issued to prove their eligibility for social security and National Health Insurance in Finland. Kela Card also gives discounts for buying medicines. However, it is only available to persons moving to Finland on permanent status.

EHIC Card in Finland

Finland is in the European Union; therefore, citizens of the EU, Iceland, Liechtenstein, Norway, and Switzerland are entitled to public healthcare upon provision of a European Health Insurance Card ( EHIC ).

If you are not from the European Union, you should obtain either travel or international health insurance before visiting Finland to use private healthcare services. European Union citizens moving to Finland can also obtain international insurance if they prefer to use private services.

Private Healthcare System in Finland

The private sector in Finland consists of primary care centers, dental offices, and specialist care, however, since the public healthcare system is excellent, the private sector is relatively small. Nevertheless, expats living in Finland still prefer private healthcare facilities as they offer shorter waiting times, especially for secondary or specialist care in Finland, dentistry, and physiotherapy services. Except this, expats often choose international health insurance to use all over Europe or the world when they travel abroad.

Read: Health Insurance in Finland

Getting Medical Treatment in Finland

The procedure to make a medical treatment in Finland, if you choose to use public healthcare, can be time-consuming. This is because not in all health centers you can make an online or even a phone appointment. Remember, to receive specialized care in Finland, you need to obtain a primary doctor’s referral letter first. So how do you make a family doctor appointment in Finland?

• You usually have to go to your registered health center in person and take a number to speak to the receptionist.
• You will see a nurse, who determines the priority of an appointment with a doctor.
• If it is determined you can see a doctor, you will get an appointment. You may wait a few hours before seeing a doctor.

Making a doctor appointment in a private healthcare sector is way more straightforward, as it can be done either by the phone or online, without wasting hours in the public healthcare center. To learn more about private health insurance options for expats living in Finland, please contact us for a free quote and consultation, or learn more about expatriate health plans presented below:

Private International Insurance in Finland

Cigna Global Insurance Plan

• The flexibility to tailor a plan to suit your individual needs
• Access to Cigna Global’s trusted network of hospitals and doctors
• The convenience and confidence of 24/7/365 customer service

Best Health Insurance for US Citizens Living in Finland

Xplorer Worldwide Medical Plan

• Premium Benefits, Coverage and Service
• Define your deductible and prescription benefits
• For Foreigners in the US or US citizens abroad

Healthcare Costs in Finland

Public healthcare in Finland is not free, and even if it is mainly funded by taxation, some small charges are still in place. However, maternity and child health clinic visits, nurse reception, laboratory and X-ray examinations (except if done privately), and emergency care are the only free of charge services in the public healthcare system.

In the year 2020-2021, the maximum out-of-pocket fee for treatment in primary healthcare are explained as follow:

Family Doctor’s Visit

The one-time fee is a maximum of EUR 20,60. The payment can be charged up to three times a calendar year. Alternatively, an annual fee of up to EUR 41,20 per calendar year may be charged. If the patient does not pay the annual fee, he or she may be charged a one-time fee of EUR 20,60 more than three times.

Other Medical Services

Dental, outpatient specialist care, or imaging services such as X-ray, ultrasound, or magnetic resonance imaging fee is a maximum of EUR 50,80 and can be charged to those over 15 years of age.

Maximum Hospital Fees in 2020-2021

• Outpatient fees cost up to EUR 41,20 per visit.
• Day surgery costs up to EUR 135,10.
• Hospital daycare fees cost up to EUR 48,90 per day.
• Series of treatments, including continuous dialysis, radiotherapy or cytostatic therapy, and medical rehabilitation, cost EUR 11,40 per treatment.
• Series of treatments for persons under 18 years old are always free.

Private Health Care Fees in Finland

To compare, private health care fees in Finland can be approximately 3 x higher than in public healthcare. An example private clinic price list goes as follows:

• Primary doctor consultation: EUR 60,00
• Midwife appointment: EUR 153,00
• MRI scan: EUR 633,90
• Specialist appointment: EUR 109,00 – EUR 192,00

Primary Care and Specialized Care in Finland

Health services are divided into primary health care and specialized medical care. Primary health care services are provided at municipal health centers. These municipalities have the right to buy services from other municipalities or from the private sector, or even from abroad.

Finland’s Municipality Health Centers

Finnish primary care is based on a family doctor system, and each family doctor is responsible for approximately 2,000 patients. Residents can choose to be registered with a family doctor of their choice that is located within their area. When you move to Finland and register your address, you will automatically be registered as a patient in the health center near your Finnish address. You won’t be able to make a doctor’s appointment at a different health center than the one at which you are registered.

Besides family doctor services, health center services include medical consultations, dental and preventive care, and access to maternity and child health services. The health centers also arrange school and occupational health services. In Finland, employers must arrange occupational healthcare for employees, which can be obtained through municipal health centers or private practitioners.

Seeing a Specialist in Finland

If you require hospital admission or specialist care in Finland, it is subject to a referral letter from your family doctor. Finland is divided into 21 hospital districts. Each district provides more specialized care for the municipalities within its region. Finland also has a network of five university hospitals that contain the most advanced medical equipment and facilities in the country. These hospitals are located in Helsinki, Turku, Tampere, Kuopio, and Oulu.

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Author: Joe Cronin , Founder and President of International Citizens Insurance . Mr. Cronin, a former expat, is an authority in the areas of international travel, and global health, life, and travel insurance, with expertise in advising individuals and groups on benefits for today's global workforce. Follow him on LinkedIn or Twitter .

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Finland Travel Insurance

Traveling to Finland is a journey filled with awe-inspiring landscapes, vibrant cities, and rich cultural experiences. To make your trip worry-free, it’s essential to have reliable Finland travel insurance. “So Easy Travel Insurance” offers a straightforward and comprehensive solution, ensuring you can fully enjoy your Finnish adventure.

With our user-friendly application process, customizable plans, and extensive coverage options, protecting your travel investment has never been easier. Discover how Finland Travel Insurance can provide peace of mind and safeguard your travels in Finland.

Why You Need Finland Travel Insurance?

Travelling to Finland is an exciting adventure, whether you’re visiting the vibrant city of Helsinki, exploring the natural beauty of Lapland, or experiencing the unique culture and traditions. To ensure your trip goes smoothly, it’s essential to have reliable Finland travel insurance. “So Easy Travel Insurance” makes securing comprehensive travel coverage simple and hassle-free. Here’s why you should consider it for your Finnish journey.

Medical Coverage

• Emergency Medical Expenses: Covers costs related to sudden illness or injury.
• Medical Evacuation: Includes transport to the nearest medical facility or repatriation if necessary.
• Hospital Daily Allowance: Compensation for each day you’re hospitalized abroad.

Trip Cancellation and Interruption

• Cancellation Costs: Reimbursement for non-refundable trip expenses if you need to cancel due to covered reasons (e.g., illness, injury, or family emergencies).
• Interruption Coverage: This covers additional costs if you must return home early due to covered reasons.

Baggage and Personal Belongings

• Lost, Stolen, or Damaged Baggage: Compensation for personal items.
• Delayed Baggage: Coverage for purchasing essential items if your luggage is delayed.

Travel Delays

• Accommodation and Meals: Compensation for additional expenses incurred due to travel delays.
• Missed Connections: Coverage for missed flights or connections caused by delays.

Personal Liability:

• Legal Assistance:
• Coverage for legal expenses in case you’re held liable for causing injury or property damage to others.

24/7 Assistance Services:

• Emergency Assistance: Round-the-clock support for medical emergencies, travel issues, and more.
• Travel Information : Pre-trip advice and assistance with travel arrangements.

Why Choose So Easy Travel Insurance?

• Simple Application Process: Easy online application with instant policy issuance.
• Affordable Premiums: Competitive pricing to suit various budgets without compromising on coverage.
• Customizable Plans: Flexible options to tailor the insurance plan according to your travel needs.
• Trusted Support: Reliable customer service and comprehensive assistance, ensuring peace of mind during your trip.

How To Purchase This Travel Insurance?

• Visit Our Website: Go to So Easy Travel Insurance to get a quote and purchase your policy.
• Enter Your Trip Details: Provide information about your travel dates, destination, and personal details.
• Choose Your Coverage: Select the level of coverage that best suits your needs.
• Complete the Payment: Secure online payment options for a hassle-free transaction.
• Receive Your Policy: Instant policy issuance via email for immediate coverage.

best places to visit in finland

Helsinki is the capital, primate, and most populous city of Finland. Helsinki’s harbor is an integral part of the city, whose important landmarks overlook it.

The harbor is also a popular gathering point, with an open-air market of local farmers, craftsmen, food producers, and fishermen, who sell directly from their boats. The historic 1889 market hall shelters more food vendors, but the outdoor market is a year-round tradition, protected by tarps and tents in the winter. Stretching from one side of the Market Square, the open area of the Esplanadi is where the entire city seems to gather on summer evenings. The tree-lined seafront is bordered by elegant buildings and the Kappeli Restaurant, whose terrace is especially popular on summer evenings.

Rovaniemi is a city and municipality in Finland.  The Arctic Circle runs across northern Finland, right through the town of Rovaniemi, giving it claim to be the Gateway to the Arctic.

In the summer, this means the famous Midnight Sun. Additionally, from late May to early August the sun never drops far enough for it to get dark. Locals are out enjoying their great outdoors throughout these “White Nights” and welcome tourists to join them. Rovaniemi is in the center of a vast natural area of rushing rivers for canoeing, swimming, or fishing, with trails alongside them for hiking and cycling. The city is best known as the home of Santa Claus, right beside the Arctic Circle at Santa Claus Village.

Travel Insurance

Travel Insurance, Schengen visa travel insurance, Europe and Worldwide Single Trip and Multi-Trip Insurance policies.

• By Niko Suominen 23 May 2024 - 9 min read
• Tags: travel insurance , travel tips , credit card
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• Read in Finnish

Common Questions

Travel insurance - why every traveller needs one.

• By Niko Suominen
• 23 May 2024 - 9 min read

The content on this page includes affiliate links. While clicking on these links won't cost you anything extra, we may earn a modest commission from any purchases you make.

We travel multiple times a year and that is why we have continuous travel medical insurance even though it is not necessarily required by anyone. Our travel medical insurance is always valid whenever we exit Finland. In this article, we describe why it is important to have insurance even if you are visiting only your neighbouring country. Read this article and learn what you should know about travel insurance.

Covered in the Article

Short-term trips, limitations, why you should never travel without medical insurance, our incidents during journeys, european health insurance card vs travel medical insurance, bottom line, what is travel medical insurance.

Travel medical insurance is a way to limit your unexpected health-related expenses. When an accident or illness happens on a journey, it usually comes with costs. These unexpected costs arising from needed treatments and other related costs can be so high that you probably can't easily afford to pay them from your pocket. This is when travel medical insurance becomes so important to have one. It will help you to cover the majority of the extra costs of any related sudden illness or accidents while travelling abroad. Even though most trips are incident-free, travel medical insurance is a way to prepare for the worst providing you peace of mind throughout your journey.

Travel medical insurance covers unexpected health-care costs and sometimes also an insurance holder's belongings to a certain amount. The exact terms vary between the insurance plans so it is important to understand what is the real coverage of certain travel insurance before purchasing one.

Majority of leisure travellers have only short-term trips lasting only a few days to a few weeks. Choosing the right type of travel medical insurance for you is affected by how often you travel abroad in a year. If you do a trip only once a year, it may be wise to have fixed-term insurance covering only that certain trip period. On the other hand, if you travel multiple times a year, having continuous travel medical insurance is the best option. Continuous travel medical insurance is always valid whenever you are travelling and there is no need to renew the plan every time before every single journey. For example, we have continuous travel medical insurance valid always when we are outside Finland.

Nomad life is a special case of travelling. You are not anymore just travelling but living abroad in different destinations. Since remote working is becoming hugely common worldwide, there are more and more people living a nomadic lifestyle. Your "trip" may last for years in a foreign country and you need travel medical insurance that is valid all the time.

Curve - Digital Wallet for Nomads

Many usual travel medical insurances have a limit for the maximum duration of the journey but some insurances are suitable also for nomads. SafetyWing's Nomad Insurance is a very good example. Regardless of which kind of traveller you are, it covers both short-term trips and nomadic travel journeys.

Understanding Insurance Terms

You should never buy any insurance abruptly without first understanding fully what the insurance covers. Especially, pay attention to the following things when buying travel medical insurance:

Good travel medical insurance covers costs related to accidents and unexpected medical conditions such as sudden illness. The upper limit must be high enough to cover even the most expensive treatments. Pay attention if the consequences of natural disasters are covered and if the insurance covers an ambulance flight back to your home of residence.

Less important things to be covered are your belongings and delays during your travel period. It is a common fact that the majority of travellers nowadays are travelling with expensive phones, laptops and drones. What if any of these valuable devices get stolen? . With this in mind, it is therefore a wise decision to have travel insurance that covers also your belongings.

Insurances always come with limitations. Typically, travel medical insurance has geographical restrictions. Insurance is not valid in certain areas of the world. Pre-existing health conditions are usually excluded. Accidents caused by taking alcohol, drugs or other similar behaviours are probably excluded.

When buying travel medical insurance, read the terms carefully to understand what is covered.

Sometimes, insurance's compensation amounts include an excess part. This is part of the costs that you must pay yourself in the case of an incident. For example, think of a situation where your medical incident costs are 5,000 euros and the excess is 50 euros. Your part of the cost will be 50 euros and the insurance company will pay the rest of the bill.

Excess may be charged from every incident or once on the insurance term. Refer to the terms of your insurance plan.

Excess is a way to limit incidents. When a small part of the costs is to be shouldered by the traveller, the travel insurance holder will be more careful while travelling which technically means, minimizing the chance of any untoward incidents. This factor will lead to a lower insurance price.

With the information already presented, it is becoming obvious why you should never travel without valid travel medical insurance. You probably just can't afford a serious health issue. Depending on your country of destination, hospital treatments can cost more than 100,000 euros and an ambulance flight back home 50,000 euros. Most likely, you won't even get treatment if you do not have valid medical insurance. So it can be a matter of life and death.

It is also mandatory to have travel medical insurance to enter certain countries. Because travel insurance costs less than 100 euros per month, there is no need to consider whether to buy one. You just need to select the best travel medical insurance which has the most suitable coverage according to your needs.

Our trips are covered by continuous travel medical insurance. We have been lucky not to have serious issues up to this time but because we travel a lot, small incidents did happen. For example, our laptop got serious water damage in Bali and got broken. The event was caused by the bad lighting near a water pool in the hotel's restaurant. We have also got flu-like symptoms during journeys in Cape Verde. It is always wise to have doctor's checkups even if you have basic symptoms while abroad like diarrhoea or flu-like symptoms just to confirm you don't have any serious conditions. For instance, you might think you just have a common cold presenting a fever as initial symptoms but it could be even more serious, say malaria or dengue fever if you're destination has this disease being endemic. With travel medical insurance, costs related to your medical treatment stay low.

Travel medical insurance gives us peace of mind.

Where to Buy Travel Insurance?

Countless insurance companies sell well-covering travel medical insurance. Every country has their own local insurance companies but there are also global travel medical insurance providers which target specially to nomads and frequent travellers.

SafetyWing is our favourite global travel medical insurance provider. It is a travel medical insurance that was created by nomads for nomads. You can purchase a policy even if your trip has already started, and pause and resume coverage with flexibility. You’re covered in 185 countries and don’t need to inform them about your itinerary in advance.

Even though the insurance was created by nomads, it is also suitable for infrequent travellers. If you travel only once or a few times a year, you can buy fixed-term plans to cover just your travel date.

In our opinion, SafetyWing has a few pros that make it suitable for travellers and nomads. The insurance is inexpensive compared to other similar products. Still, it covers the most important parts of your journey. Because the people behind SafetyWing are nomads, they know what kind of protections nomads and travellers need. SafetyWing no longer has an excess, so they will reimburse all eligible expenses.

SafetyWing also has some drawbacks. It is primarily suited for individuals with proficient English skills, and as a digital product, it lacks physical offices for claim processing. However, given the familiarity of digital nomads and travellers with online services, SafetyWing remains well-suited for the majority of active travellers

We recommend reading reviews of SafetyWing on TrustPilot and Product Hunt . Check out also an interesting vlog how SafetyWing covered costs caused by Measles and Pneumonia .

EU citizens who travel only in the EU area may apply for a free European Health Insurance Card . It guarantees health care in the EU area in the same terms as locals would get.

Even though the European Health Insurance Card is practical, it is not enough. It does not cover belongings, ambulance flights, delays and many other things. In addition, you need real travel medical insurance like SafetyWing to get the gaps covered.

How to Book Cheap Flights

Holiday trips may cost you a lot of money. Travel medical insurance is just a small extra cost which gives you peace of mind while you are travelling abroad. The majority of the trips go perfectly fine but you must be prepared for any unexpected events, too.

The most important thing is to have coverage for health-related issues like sudden illness and accidents. Secondly, you should protect your belongings and protect yourself from extra costs caused by possible delays during your travel period. As smart travellers, we always have valid, well-covering travel insurance while travelling giving us peace of mind!

We hope you ound this travel medical insurance information helpful. What are your tips for other travellers? Share them in the comment section!

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Travel Insurance For Finland

Please note that this policy is not applicable for more than 90 days on an immigrant visa. Kindly ensure your travel duration is 90 days or less.

Please note that this policy is not applicable for more than 180 days on a non-immigrant visa. Kindly ensure your travel duration is 180 days or less.

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EXPLORE FINLAND – THE LAND OF SANTA CLAUS

ICICI Lombard international travel insurance lets you plan your ideal holiday without any worries about unforeseen events. Offering a wide range of benefits to suit every individual's need, it provides for your trip’s safety as well as care for your loved ones back home.

Considering the currency exchange rate and differences in standard of living between India and other foreign nations, unexpected medical expenses abroad can prove to be a nightmare and even burn a hole in your pocket. However, ICICI Lombard extends support during these worries with benefits such as worldwide cashless hospitalisation , personal liability cover, and compensation for total loss of checked-in baggage.

Travel insurance is mandatory visa requirement if you are travelling to Finland. ICICI Lombard International Travel Insurance is Schengen-approved.

The snow-covered forests coupled with spectacular Northern Lights make Finland one of those magical storybook places that one should visit at least once in their lifetime. The perfect mix of its impossibly picturesque natural beauty and the cutting-edge design of its modern architecture transform a trip to Finland into a magical experience.

Enjoy your travel to the deep northern beauty of Finland with the safety net ICICI Lombard International Travel Insurance offers.

Benefits of Travel Insurance in Finland

No Medical Tests Required up to 85 Years of Age

Cashless Hospitalisation Worldwide

Political Risk and Catastrophe Evacuation

Value Added Services for Dependents in India

Daily Allowance in Case of Hospitalisation

Coverage for Personal Accident

Coverage for Dental Treatment

Things to Do in Finland

Finland offers a gamut of interesting places and enchanting destinations that can make your heart rush. Whether you are travelling solo or with your loved ones, make sure not to miss:

Finland offers one of the best views of the Aurora Borealis, commonly known as the Northern Lights. The wilderness and windswept beauty of Lapland adds to the mythical charm of this powerfully unique natural phenomenon.

Finland is known for its Savonlinna Opera Festival, which is hosted in the covered courtyard of Olavinlinna Castle usually around the months of June to August. The excitement buzzing through the town during the time of this festival, not to mention the sumptuous post-show feasts, is enough reason to visit this far north!

Most of its towns and cities boast of modern architecture and lifestyle complete with cosy pubs, roadside cafés and sophisticated lounges. If shopping happens to be on your travel agenda, then make sure to visit the innovative design shops in Helsinki to get your hands on unique artefacts.

Lazy days spent at waterside cottages, visiting the bountiful farmer's market, art exhibitions, lake cruises – there is no dearth of fun experiences here.

Each season lends a special beauty to the landscapes of Finland. Winter blankets the snow-covered frozen lakes, pine trees, and rustic homes in a pristine hush. It truly becomes a winter wonderland complete with snowmobiles, a team of sled-carrying dogs and reindeers!

Summer brings its own magic as the country bursts into life and folks step out as a community to celebrate the bounty of nature. Participate in the festivals, exhibitions and events to enjoy merriment and exhilaration.

In the end though, it doesn't matter which season you choose to visit Finland, there is just something about its wilderness that invokes a profound calming effect. Try out hiking, ice fishing, skiing, camping or even nature trails to complete the experience.

Embassy Information

Being aware of the location of your home embassy can prove to be a big help in different situations, like loss of identification, medical emergencies or any other kind of crises.

The details for the Embassy of India are given below:

List of International Airports in Finland

Schengen visa procedure.

To apply for Schengen Visa or Finland Visa:

• Submit your application to the embassy or consulate of the Schengen state you intend to visit.
• If you intend to visit more than one Schengen state, you should submit your application to the embassy or consulate of the Schengen state that will be your main destination. For example, if Finland is your main destination, submit your application to a Finnish embassy or consulate.
• If you intend to spend an equal length of time in several Schengen states, you should submit your application to the embassy or consulate of the Schengen state that you will arrive in first.
• Passport or other travel document, issued within the last ten years
• Completed and signed Schengen visa application form
• Photographs
• Travel health insurance coverage within Finland, and the entire Schengen area
• Cover letter stating the purpose of visit to Finland and itinerary
• Flight Itinerary with dates and flight numbers specifying entry and exit from Finland
• Hotel booking for the whole duration of the intended stay in Finland
• Proof of civil status (marriage certificate, birth/ death certificate of children or spouse)
• Proof of sufficient financial means for the period of stay
• Pay visa fee if you submit the application at an embassy or consulate, or a service fee if you submit your application at the offices of an external service provider.
• Your application will be processed in the embassy or consulate and you can be contacted for an interview, if necessary.
• Even after you are issued the visa, make sure that you carry copies of the documents you submitted when you applied for the visa. This will help make the border control procedure easier and avoid delays.

Embassy information for Finland is listed below:

List of Well-known Indian Restaurants in Finland

While you may like to experiment the Finnish cuisine, vegetarians can find it hard to get variety in Finland, where most dishes include meat or fish. Here are some popular Indian restaurants where you are bound to get a flavour of India.

Customer Reviews

Gaurav Bedi

Visited Finland a few weeks back with my wife. But as soon as we reached the hotel, I discovered that the pouch containing all our travel money was lost! We would be in a complete fix but due to ICICI Lombard Travel Insurance, we got the benefit of Emergency Cash Advance. We are really thankful for ICICI Lombard’s prompt and friendly service.

Bhagyashree Joshi

I have been frequently travelling to Schengen countries over the years but this was my first visit to Austria. On my last day, I had a train to catch and having reached the station late, I ran, slipped and dislocated my shoulder. I felt helpless and panicky. Once I calmed down, I informed ICICI Lombard about my condition and they promptly helped me out; would highly recommend ICICI Lombard to friends.

International Travel Insurance

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Travel Insurance Finland

Get comprehensive coverage for your trip to Finland with the Tata AIG TravelGuard Policy.

If you are planning to visit Finland anytime soon, you will be mesmerised by its beauty! Cities like Oulu, Helsinki, Loviisa and Kitee are a few names that attract the attention of many tourists. Finland, to say the least, is one of the most beautiful destinations in the world.

And if you wish to go on a safe and secure trip to the land of the Finnish, it’s important to have the right tools in place! And in this regard, a travel insurance policy is advisable.

Travelling to Finland from India is not a big deal if you are prepared well. And here, we are not talking about booking the tickets on time or arranging for the accommodation. Rather, this is about getting the right travel insurance Finland plan before departure!

With Tata AIG, you can get some of the most affordable travel insurance plans for your Finland trip. And with the help of our online premium calculator, you can also calculate the premium prices online, go through the policy exclusions and inclusions, and then pick a plan that suits your needs the best.

Even our online policy buying, renewal, and claim processes are easy and hassle-free. With us, you can make a travel insurance claim in minutes and get the compensated amount upon approval.

Our travel insurance Finland policy will start at just ₹45.5 a day*.

Advantages of Buying a Travel Insurance Finland Plan

Our comprehensive travel insurance policy for Finland offers baggage coverage, journey coverage, third party coverage, flight cancellation and delay coverage, death and repatriation coverage, and much more. Here are a few benefits of opting for a travel insurance Finland plan with Tata AIG -

Travel assistance

Flight delay/cancellation Cover

Personal Liability Cover

Covid-19 Cover

Passport Loss

Assistance during the trip

Hijack Cover

Check-in Baggage Cover

Accident and Illness Cover

Choice of travel insurance plans, starting at ₹45.5 a day*

Automatic extension of your Finland travel insurance -

for up to 60 days or date of discharge, in the event of hospitalisation close to the expiry of the policy.

for upto 7 days in the event of flight delay from Finland & not alternative air transport is made available to the insured

Travel Insurance Finland from India

Travelling to Finland could be a dream come true for you. And in the recent past, Finland has seen an upsurge in travellers from India. Believe it or not, beholding the Northern Lights and taking a road trip in Finland can be truly mesmerising for every travel lover. And when it’s about travelling from India, one should always be mindful of potential emergencies that can come your way in a foreign country.

And in order to stay financially secure during your Finland trip, we suggest you opt for a Tata AIG travel insurance policy that’s specifically curated for your trip. And the best part? Well, the policies are absolutely affordable! So, if you have always thought that investing in a travel policy is unnecessary, we must tell you that it isn’t if you really understand the benefits of the same.

For entering Finland, a Schengen visa is required. And in order to get a Schengen visa from India, one needs to have a valid travel insurance policy in hand. With Tata AIG, you can purchase traveller insurance for your Finland trip from the comfort of your office or home. The online purchase, renewal and claim processes for our insurance plans are absolutely hassle-free and swift.

Major Benefits of a Tata AIG Travel Insurance Finland Plan

Here are some of the major benefits of having a Tata AIG Finland travel insurance policy:

COVID-19 Benefits : If you are still worried about the lurking threat of the coronavirus, know that with Tata AIG’s travel insurance policy, you can get coverage for every single treatment-related cost if you get affected with the virus and need to be hospitalised.

Medical Benefits : Your travel insurance Finland plan from Tata AIG offers coverage against hospitalisation expenses you may face during your stay in Finland. The plan also covers medical evacuation if you need to come back to India for treatment. Also, in case of accidental death of the insured, the repatriation costs will be taken care of by the policy.

Baggage Delay/Loss : Your travel insurance Finland policy will also provide extensive financial coverage against your baggage loss or delay during the trip. The lost or delay items in your baggage will be covered by the policy, subject to terms and conditions.

Journey Cover : At the onset of your the Finland travel or during your trip, if you happen to lose your passport, suffer losses due to flight delays, or cancelled flights and reservations that cannot be refunded, or need a policy extension in the face of an emergency, the journey cover offers coverage against these damages.

Travel Insurance Finland is Essential to Get a Schengen Visa

For visitors from third nations, it is essential to get a Schengen visa to be able to travel to Finland. And in order to get a Schengen visa from India, a travel insurance policy is mandatory as well. The visa will help you to move around Finland with ease. And for that, you need to have travel insurance for Finland with a minimum coverage amount of €30,000.

So, once you visit the Embassy to opt for a Schengen visa from India for your Finland trip, you will be required to show a valid travel insurance plan. Therefore, you could opt for one from Tata AIG prior to your trip to Finland.

Also, as mentioned above, apart from obtaining a visa for your Finland travel, a travel insurance Finland plan will also be useful for you in case of an illness or accident. Also, if you are travelling with children and other family members, you can opt for a family travel insurance from Tata AIG. This plan will keep every member of your family financially secure during the trip, and also, you will be able to receive extensive coverage in just a single premium payment.

Travelling to Finland from India – Visa Information

Schengen visa for a Finland trip is required for every traveller from India. This will be a short stay visa which will be valid for 90 days. You will have to get in touch with the Finnish Embassy in India in order to be able to get a Finland visa in hand.

Here is what you need to do -

• First, you will have to visit the nearest Embassy to apply for the Finland Schengen visa.
• You will get a visa application form that you will need to fill up accurately with all the details.
• After filling up the form, you will be asked to submit a few essential supporting documents along with the form.
• You can make the visa application payment online and submit the duly filled visa application at the Embassy of Finland.
• Once the Embassy approves your visa, they will notify you through an email.
• You will be given a date and time to pick up your passport and your visa from the Finland Embassy.

Finland Visa Requirements from India – Documents Needed

Here is a list of all the documents that you need to provide to the Finland Embassy in order to get a valid Schengen visa for your Finland trip –

• A duly filled visa application form
• Passport size photographs of the travellers(s) that’s not more than 6 months old.
• A negative RT-PCR text report, stating that you haven’t contracted the virus. The report should not be more than 72 hours old.
• A recent bank statement as proof of funds during the Finland trip.
• A copy of a valid travel insurance Finland plan.
• Round-trip tickets to Finland.
• Accommodation proof in Finland.
• Current employment details.
• Income Tax Return of the past 3 years.

The Indian Embassy in Finland

In case of any emergency during your stay in Finland, you can get help from the Indian Embassy in Finland. Below are all the details regarding the same. It’s prudent to keep their address and number handy while touring in the country –

Finland Trip: Safety and Travel Tips

Here are a few safety tips that will surely help you during your stay in Finland –

• Keep your passport safe with you at all times.
• You can drink tap water in Finland as it’s very clean and hygienic. And several past studies have also shown that it is as pure as bottled water.
• Always treat the locals with respect. Wear a smile whenever you come across a local.
• Do not litter as Finland is extremely beautiful, and littering is punishable.
• Do not be a part of protests.
• Always keep a tab on the local news channels and travel advisories by the Finnish government.
• Take local transport to move around as it will give you the sense of being a part of the Finnish culture.

Safety Tips for COVID-19

Beware of the ruthlessness of the pandemic and follow all the COVID-19 rules while travelling in Finland.

• If you are surrounded by people, do not forget to cover your mouth and nose with a surgical mask.
• As far as possible, always keep some distance from others in public places.
• Wash your hands frequently and use hand sanitisers.
• Stay hydrated, eat well, and watch out for any COVID-19 related symptoms. Self-isolate immediately and get checked if you see any symptoms.
• Follow all the local COVID-19 rules and regulations.

Your travel insurance Finland policy from Tata AIG will offer extensive coverage against COVID-19-related treatment costs if you are hospitalised.

A Few Major International Airports in Finland

• Tampere Pirkkala Airport
• Oulu Airport
• Joensuu Airport
• Kruunupyy Airport
• Helsinki vantaa Airport
• Kuopio Airport

Currency and Foreign Exchange

The markka was the original monetary unit of Finland until February 2012; currently, the Euro is the only official currency of Finland. Though a lot of international debit and credit cards are widely used in Finland, the economy also functions on cash. Since the exchange rates from INR to € fluctuate quite regularly, it is advisable to check the present exchange rates before you plan your trip to Finland and also before purchasing your travel insurance plan.

You can find the exchange rates from INR to EURO here - https://www.xe.com/currencyconverter/convert/ ?

Amount=1&From=INR&To=EUR.

A Few Things to Experience When in Finland

Finland is a dreamy destination. And once you book your tickets for Finland, you need to create a bucket list of all the things you would like to experience there. To make it easier for you, we have curated a simple listicle with some of the must-do things in Finland. Read below!

• Behold the Northern Lights

Finland will offer you the best view of the Aurora Borealis, normally known as the Northern Lights, even better than Iceland. The beauty of Lapland will mesmerise you, to say the least. Hence, you should book your tickets during the time when you would be able to get a clear glimpse of the Northern Lights.

• Be a Part of the Wildernes

Each season in Finland is unique. It will offer you a special experience no matter when you are planning your trip there. From snow-covered frozen lakes, reindeers, pine trees, and rustic homes in the winter, Finland is a perfect Christmas destination!

• Relish the Local Culture

If you wish to experience your trip to Finland like a local, try to be a part of its Savonlinna Opera Festival. This one is hosted on the covered patio of the Olavinlinna Castle. It takes place from June to August. Here, you will also get to experience the delectable local cuisines as well.

Best Time to Visit Finland

The months between May to August are ideally the best time to make a trip to Finland from India. The weather during these months is absolutely comfortable, without too many chills! Also, the local festivities will make you feel at home, and you will come back with loads of experiences.

All the information mentioned above is well-researched and sourced from reliable sources. Since this information is subject to change, it is advisable to check the latest travel guidelines and other location-specific information before planning a trip to any location.

*Subject to change based on the nature and extent of the coverage.

Disclaimer / TnC

Your policy is subjected to terms and conditions & inclusions and exclusions mentioned in your policy wording. Please go through the documents carefully.

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1. is a visa necessary for indian travellers to finland.

Yes. Every Indian traveller to Finland needs to have a valid Schengen visa in place.

2. With a Schengen tourist visa, how long will I be able to stay in Finland?

The Schengen tourist visa for Finland is valid for 90 days. So, you will be able to stay there for a maximum of 90 days.

3. How much does a Finland travel insurance cost from India?

The price of your Finland visa from India will depend upon the types of coverage you will choose. With Tata AIG, however, you can get most of the policy inclusions at a very affordable price.

4. How to buy a Finland travel insurance from India?

With Tata AIG, the process is simple.

• Visit Tata AIG’s official website and go to the travel insurance page.
• You can pick a travel insurance policy with the coverage options that you need.
• Fill in your personal information and make the online payment for the insurance plan.

That’s it! Your chosen travel insurance Finland plan will be sent to your registered email ID.

5. How early should I buy a Finland travel insurance?

You should purchase your Finland travel insurance at least a few days before your visit to the country. The main reason for doing so are the currency exchange rates which will help you determine the most suitable premium rates and coverage for your travel insurance plan. If you purchase your policy closer to the date of departure, you can enjoy the policy coverage as per the duration of your trip.

6. Can my travel insurance policy help me if I need to extend my stay in Finland due to an emergency?

Yes, in case of a medical emergency leading to hospitalisation, your travel insurance plan can be automatically extended by up to 60 days or until you are discharged. Moreover, if your flight from Finland is delayed or cancelled, an automatic policy extension of 7 days will be granted.

7. What can I do if my trip needs to be cancelled due to an emergency?

Your Tata AIG Finland travel insurance plan has a provision where you can be covered against losses resulting from trip cancellations that includes flight bookings and accommodation reservations that cannot be refunded.

Other Destinations

BEWARE OF SPURIOUS PHONE CALLS AND FICTIOUS / FRADULENT OFFERS IRDAI or its officials do not involve in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint. Insurance is the subject matter of the solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure / policy wording carefully before concluding a sale. Trade logo displayed above belongs to TATA Sons Private Limited and AIG and used by TATA AIG General Insurance Company Limited under License. 2008, TATA AIG General Insurance Company Limited, all rights reserved. Registered Office : Peninsula Business Park, Tower A, 15th Floor, G.K.Marg, Lower Parel, Mumbai - 400 013, Maharashtra, India. CIN: U85110MH2000PLC128425. IRDA of India Regn. No. 108. Toll Free Number : 1800 266 7780 / 1800 22 9966 (only for senior citizen policy holders). Email Id – [email protected] . Category of Certificate of Registration: General Insurance.

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Going on a trip abroad is exciting, but emergencies can happen, and if they do, it can be expensive and challenging affair. You can take some of your stress away by booking a travel medical insurance policy with Covid-19 coverage at competitive pricing from global insurers. Don't forget that for Schengen visa applications, travel insurance is mandatory.

Travel Medical Insurance

Emergency medical coverage, including COVID-19 treatment costs.

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Cancellation and trip delay coverage.

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Frequently asked questions

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1 . What is Travel Medical Insurance?

Travel Medical Insurance is designed to cover your emergency medical expenses while traveling abroad. In the event of an unexpected illness, injury, or medical condition during your trip, your travel medical insurance plan will reimburse you for the treatment costs, up to the limits specified in the plan.

2. Why do I need Travel Medical Insurance?

Travel Medical Insurance provides coverage for various risks that may arise during your overseas travel, including medical emergencies, COVID-19, and loss of passport. The coverage offered ensures an additional layer of protection against potential financial losses. For more detailed information on the coverage, please refer to the Travel Medical Insurance policy documents.

3. Why should you buy Travel Medical Insurance online?

Purchasing overseas travel insurance online is a convenient way to access a wide range of best plans at competitive prices from global insurers. This allows you to choose a suitable plan without incurring any extra commissions.

4. How much will overseas Travel Insurance cost?

The cost will depend on the kind of overseas Travel Medical Insurance policy you opt for, and it will vary from country to country. Multiple underlying health conditions will determine the final insurance premium you will have to pay.

5. How far in advance should I purchase Travel Medical Insurance?

It's best to purchase travel insurance within the first 14 days of your initial trip.

With Travel Medical Insurance assistance provided by VFS Global, you can book your insurance and submit your visa application together.

Even if you missed purchasing the insurance plan before or during the visa application process, you can still buy Travel Medical Insurance by visiting our website.

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Travel insurance

Travel insurance for vacations to Italy

Timothy Moore

Heidi Gollub

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Published 5:00 a.m. UTC July 4, 2024

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• Comprehensive travel insurance for Italy should bundle together several types of insurance, including trip cancellation, delay and interruption insurance.
• You’ll also want a policy with medical and medical evacuation coverage while in Italy, as your health insurance likely will not cover you abroad.
• Baggage insurance is particularly important in Italy, where it’s possible to be pickpocketed or have your luggage stolen on a train.

Planning a trip to Italy requires a lot of work. Between researching the must-see sites and out-of-the-way small towns, booking flights and train tickets, finding accommodations and possibly getting an International Driving Permit, it’s easy to forget about buying travel insurance for Italy.

But don’t skip this important step. Though my family did not need to use our Italy travel insurance during a month-long trek around the world’s biggest boot last year, we slept much easier knowing we were covered in the event of an emergency.

Below, we’ll review how travel insurance for Italy vacations works, how much it costs and how to pick the best policy for your once-in-a-lifetime trip.

Understanding travel insurance for Italy vacation

The best travel insurance for Italian vacations should be comprehensive, covering everything from trip cancellation or delay to lost luggage to medical costs. Traveling to Europe can be expensive, so a travel insurance policy with the right coverages is important to ensure you won’t lose your entire vacation savings should something go wrong.

While a comprehensive travel insurance plan is your best bet when traveling anywhere, some coverages, including travel medical insurance , are especially prudent for travel to Italy.

“From hurting an ankle on Rome’s cobblestone streets to a more serious ski accident in the Italian Alps, purchasing a travel insurance policy with emergency medical benefits is a smart move while overseas,” said Daniel Durazo, director of external communications at Allianz Partners.

Meghan Walch, director of product for InsureMyTrip, points out that the Rome and Milan airports are particularly busy “and therefore vulnerable for flight disruptions.” She said, “Travelers should prepare for an uptick in flight delays and cancellations ,” especially during Italian travel strikes at the airport and on railways.

Key coverage considerations for travel insurance in Italy

Travel insurance plans bundle together several types of coverage, which can vary by plan. Below, we’ve broken down the major types of travel insurance coverage you should have when traveling to Italy.

Trip cancellation insurance for an Italy vacation

As soon as you start booking flights, hotels and activities for Italy, you’ll want to consider buying a travel insurance plan that includes trip cancellation insurance . This coverage lets you file a claim for reimbursement when you have to cancel your upcoming trip for a covered reason, such as injury, illness, a death in the family, natural disasters or terrorist activities.

In this case, you can file a claim for any nonrefundable expense you’ve prepaid ahead of your trip. Given how far out families often plan for Italy vacations — and how expensive they can be — this is a helpful coverage to include in your policy.

Trip delay insurance for Italy trips

Your vacation may not be canceled, but a missed connection, flight delay or even canceled flight could mean your trip doesn’t get off on the best foot. When you have trip delay insurance in your travel insurance plan, you can get help with covered meals, hotels and transportation if you get stranded somewhere after a delayed or canceled flight.

This is good coverage to have, as direct flights into Italy are expensive. Such coverage will be helpful if you have trouble at your departure airport or any airports in between you and your destination.

“Generally, the most common claims that are filed by travelers are trip cancellation or delay due to flight issues or health/medical reasons.” Meghan Walch, Director of Product, InsureMyTrip

Trip interruptions on an Italy vacation

You’ve been plotting your vacation to Italy for months or maybe even years. Perhaps you have a spreadsheet with your full itinerary, or you log onto Facebook every day to get tips from your favorite travel groups. There’s no way anything could go wrong, is there?

Even when we’re far across the Atlantic, living out our dream vacation, life goes on. If you need to end your trip early and come home for a family emergency or because you got sick during your vacation, trip interruption insurance will help you recover any prepaid portions of the trip that you didn’t yet get to experience.

While my husband and I didn’t have to use trip interruption insurance during our Italy vacation, it came in handy years ago during a trip to Maine when our dog back home became terminally ill.

Baggage insurance for Italy trips

You might think of baggage insurance as simply coverage for if the airline loses your luggage during travel. That’s one important aspect of it — though I recommend trying to limit yourself to a carry-on for European travel ; it makes taking the train so much easier. But there’s another important component of baggage insurance that’s particularly important in Italy.

Baggage insurance covers lost, damaged and stolen personal items. Though this type of insurance is called “baggage insurance,” it extends to any items you bring with you, whether or not they’re in your luggage, backpack or purse at the time of the incident.

Why is this important in Italy? Last year, an Italian woman went viral on TikTok for calling out pickpockets, because the country has a widespread problem with them. Thieves often steal wallets, purses and jewelry in crowded tourist areas, but it’s also common for tourists to return to their rental car and discover their luggage has been stolen.

Trains are another concern; if you can’t keep your bags with you where you’re sitting, there’s a chance someone could get off the train with your bag before you even know it’s gone. And if you’re touring multiple Italian cities and regions, it’s easy enough to forget something in a hotel or Airbnb.

Having baggage insurance won’t keep this from happening (safe, smart, vigilant traveling will ), but it can help you recoup the cost of the items lost, stolen or damaged. Just make sure to file a report with the Italian police. You’ll need this when filing your insurance claim.

 Expert tip: Baggage insurance is considered secondary coverage, so if you experience a theft while traveling, you may need to file a claim with your homeowners insurance or renters insurance before you can turn to your travel insurance for help. Likewise, if an airline loses your bag, you’ll first need to file a claim with the airline for reimbursement.

Travel medical insurance for Italy trips

If you have health insurance , it’s easy to assume you’re always covered. That’s often not the case when you leave the country. Check your health insurance policy before taking a gamble and leaving the country uninsured.

“One of the biggest reasons to buy travel insurance is in case of a medical emergency,” said Durazo. “If you or a family member on the policy end up in a situation that requires emergency medical care, you may find that your domestic health care plan isn’t accepted and you have to pay on the spot, especially if you’re being treated overseas, where it’s common to have to pay out of pocket for services before leaving the hospital. That’s why choosing a travel insurance policy with appropriate medical benefits is an important consideration.”

“When it comes to travel medical coverage limits, travelers will likely find coverage amounts starting around $50,000 and go up from there,” said Jonathan Nichols, vice president of underwriting for WorldTrips.

Because treatment can be more challenging and expensive in remote locations and on cruises, it may be prudent to get at least $100,000 of coverage if you’ll be hiking in the Italian Dolomites or taking a Mediterranean cruise. The best cruise travel insurance plans should provide ample medical coverage.

Expert tip: Look for emergency medical benefits with primary coverage . If your plan only has secondary medical coverage, you’ll have to file a claim with your health insurance (even if you know it will be denied), before you can file a travel insurance claim.

Medical evacuation for serious medical issues 

My husband and I spent two full days hiking in the Dolomites during our trip to Italy — and saw just as many helicopter evacuations from the top of a mountain. But it’s not just hikers (and skiers) who risk needing evacuation. At any point during your travels, you may need to be transported to a medical facility by some type of ambulance or helicopter, and it can be extremely expensive.

“Look for at least $100,000 in emergency medical evacuation benefits,” said Nichols. “Without proper coverage, the out-of-pocket expense for emergency transportation during a health-related crisis can easily run thousands of dollars.”

Travel insurance upgrades for trips to Italy

You can enhance your Italy travel insurance with a number of upgrades, including:

• “Cancel for any reason” coverage: Trip cancellation coverage is helpful if you need to cancel for a reason listed in your policy, like getting sick, needing to attend a funeral or not being able to travel because of a natural disaster. However, you won’t get reimbursed if you simply cancel because you forgot to request off at work or your pet sitter falls through. That’s where “cancel for any reason” (CFAR) coverage comes in. With this upgrade, you can get reimbursed (usually 50% or 75%) of your prepaid, nonrefundable expenses as long as you cancel at least 48 hours before your scheduled departure time. The best “cancel for any reason” coverage is expensive but may be worth the cost if your plans aren’t fully set in stone. 
• “Interruption for any reason” coverage: Similar to CFAR, “interruption for any reason” typically lets you recoup up to 75% of nonrefundable trip expenses if you have to change or end your itinerary during the trip. This upgrade is not available with all plans. 
• Car rental insurance: If you want to see some of Italy’s countryside or mountainous areas, you may need to rent a car. Even the best car insurance policies typically don’t extend to European roads. You can get car rental insurance directly through the rental agency, but you may also be able to get it as part of your comprehensive travel insurance plan.
• Winter sports liability insurance: If you plan to ski in the Italian Alps during your trip, Italy requires that you have winter sports liability insurance. You’ll typically need to buy this directly from a ski resort in Italy. It should cost about 3€ a day.

What is the best travel insurance for Italy?

The best travel insurance for Italy or any international travel is WorldTrips , according to our analysis. In fact, two WorldTrips policies (Atlas Journey Preferred and Atlas Journey Premier) rank high in our rating of the best travel insurance.

Choosing the best travel insurance for your Italy trip depends on what you want covered, including upgrades, and your budget. Take the time to research and compare multiple policies to ensure you get the best coverage for your trip.

How much is Italy travel insurance?

According to SquareMouth, a travel insurance comparison site, Italy travel insurance has an average premium of $381.71 to cover a trip that costs $5,843.27. However, your age and the cost (and length) of your trip will impact your total cost of travel insurance .

The table below shows how much the cost of Italy travel insurance can vary by age, trip cost and length of stay. The premiums for each traveler profile are based on 45 quotes from 19 major travel insurance companies. No quotes include CFAR coverage.

Average cost of Italy travel insurance

Benefits of having travel insurance for your italy trip.

There are several benefits of having traveling insurance for Italy, including:

• Travel changes: Whether your trip is canceled due to illness, cut short due to an emergency back home or delayed due to flights, you can file a claim for reimbursement of lost prepaid expenses.
• Medical costs: Your health insurance policy usually does not extend to European countries such as Italy. Whether you sprain an ankle while walking through Roman ruins or get COVID-19 while traveling in a packed airport or train station, you’ll be able to get the medical help you need.

“Something people may not know is that in addition to financial protection, another major benefit of travel insurance is access to assistance services, wherever you are in the world at any time of day or night. For example, Allianz’s team of travel and medical experts can locate medical treatment in an emergency, monitor customers’ care, relay updates to family members, serve as interpreters, help with payment and billing, replace lost passports and more — which can really provide peace of mind, especially when traveling in an unfamiliar place.” Daniel Durazo, Director of External Communications, Allianz Partners

Tips for picking the right travel insurance provider for your Italy trip 

Ready to purchase travel insurance for Italy? Here are a few tips to help you make your selection:

• Compare multiple quotes: Don’t just go with the first travel insurance company you research. Get at least three quotes to compare coverage levels and costs.
• Check your other coverages: Between car insurance, homeowners or renters insurance , health insurance and even your credit card, you may already have some financial protection when you travel abroad. See what you do and don’t already have covered in Italy so you can fine-tune the additional coverage you purchase.
• Review the policies in depth: Know what you’re paying for. Review the policy details, including deductibles and exclusions, to determine what is and isn’t covered.
• Buy early: You may book your Italy vacation months or even years out. If you’re starting to make nonrefundable deposits or payments, purchase travel insurance ASAP. It won’t cost you any extra and you’ll be covered for a longer period of time. Buying early may also make you eligible for a pre-existing conditions exclusion waiver, meaning these conditions would be covered. 

Italy travel tips and safety information

Traveling to Italy is a rewarding adventure, but it can also be stressful and sometimes dangerous. Make sure your Italian getaway is safe and stress-free with the following tips:

• Protect your belongings: We wore money belts under our shirts for the duration of our trip to Italy. We kept our passports, credit cards and cash there, so we never had to worry about them being stolen. We also packed light so we could always keep our luggage with us when traveling by train.
• Plan ahead: Italians are famously laid-back, and it’s a good idea to embrace that way of life when in Rome (or Florence, or Venice, or …). Even so, you’ll need to do a lot of planning. Research how trains and buses work in the cities you’re visiting, buy tour tickets before they sell out and secure lodging and plane tickets far enough in advance.
• Learn the language: We got by with a limited vocabulary, a few key phrases and Google Translate. In most popular parts of Italy, the locals, especially in the service industry, will speak some English — but speaking their language can go a long way.
• Get off the beaten path: Italy’s big three (Rome, Venice and Florence) are lovely, and there’s so much to see. But the country has a wealth of things to experience outside these three cities. Even when you’re in the bigger tourist spots, walk farther to find yet-to-be-discovered restaurants, museums and architecture.
• Wear comfortable shoes: You’re going to be walking a lot !

Italy travel insurance FAQs

You should purchase travel insurance for Italy trips. These vacations can be expensive and carrying travel insurance means you won’t be out a lot of money if something cancels, delays or interrupts your trip. Medical insurance for Italy is also important, as your health insurance likely does not extend to Europe.

If you’re traveling to Italy, we recommend getting comprehensive travel insurance that includes:

• Trip cancellation insurance.
• Trip delay insurance. 
• Trip interruption insurance. 
• Baggage insurance. 
• Travel medical insurance.
• Emergency medical evacuation coverage.

Depending on the trip, you may also need rental car insurance and winter sports liability insurance.

The extent of Italy travel insurance coverage depends on the policy you buy. Comprehensive travel insurance for Italy vacations should include trip cancellation , delay and interruption, as well as baggage insurance, travel medical insurance and emergency medical evacuation . You should also purchase rental car insurance if you’re renting a car, and if you plan to ski, you’ll need winter sports liability insurance, which you can purchase directly from the resort.

Travel insurance to Italy is worth the cost . Italian travel — and any type of foreign travel — comes with high costs, many of which are nonrefundable. Should something happen before or during your trip, carrying the right Italy travel insurance means you’ll recoup those costs.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Timothy Moore is a writer and editor covering personal finance, travel, autos, and home renovation. He's written financial advice for sites like LendEDU, LendingTree, Forbes Home and The Penny Hoarder; edited complex ROI analyses for B2B tech companies like Microsoft and Google; served as managing editor at a print magazine; led content creation for a digital marketing agency; and written for brands like Chime, Angi and SoFi.

Heidi Gollub is the USA TODAY Blueprint managing editor of insurance. She was previously lead editor of insurance at Forbes Advisor and led the insurance team at U.S. News & World Report as assistant managing editor of 360 Reviews. Heidi has an MBA from Emporia State University and is a licensed property and casualty insurance expert.

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Best travel insurance for seniors 2024

T raveling can be an exciting adventure, but it also comes with risks. As we age, unexpected health issues or accidents become more likely when away from home. Travel insurance provides seniors coverage for medical emergencies, trip cancellations or interruptions, lost luggage, and other travel mishaps. Having a policy can provide peace of mind and financial protection.

This guide was compiled after analyzing statistics from over 50 companies. We’ve meticulously compared the top travel insurance providers for seniors, delving into the most critical coverage options, discussing pre-existing conditions and age limits, examining costs, the claims process, COVID-19 considerations, and more. With this information, seniors can confidently find an affordable policy that aligns with their needs and embark on their travels with assurance.

Best Senior Travel Insurance Companies

When buying travel insurance for seniors, finding a reputable provider that offers comprehensive coverage options tailored to your needs is essential. Here are some top providers to consider:

Travel insurance for seniors

– Emergency Medical Coverage 

– 24/7 Emergency Assistance 

– Cancel for Any Reason 

Travel insurance for seniors provides comprehensive coverage tailored to their needs, including COVID-19 coverage, overseas emergency assistance, and medical/hospital coverage. The policy has an AA+ rating and fast online processing. The best annual travel insurance plans offer unlimited medical expense coverage, safe transportation, and 24-hour emergency assistance. With dedicated customer service, seniors can enjoy a seamless travel experience worldwide.

• Comprehensive coverage for medical emergencies and trip cancellations/interruptions.
• Policies designed specifically for senior travelers, including coverage for pre-existing conditions.
• No age limit on many AARP travel insurance plans, providing options for those over 70 and 80.

Cons: 

• Limited coverage for pre-existing conditions may leave some seniors unprotected.
• Restrictions on trip duration or destinations may limit travel flexibility for seniors.
• Exclusions for certain adventurous activities or extreme sports may only suit some senior travelers’ preferences.

Additional Services:

• Emergency Evacuation
• Single Trip Travel Insurance
• Domestic Travel Insurance

Ready to safeguard your travels with reliable coverage? Explore our comprehensive travel insurance plans for seniors today for peace of mind and financial protection for your next adventure. 

– Trip Cancellation – Baggage Loss 

– Emergency Evacuation 

– Repatriation

AARP offers travel insurance specifically designed for seniors, catering to the unique requirements of older travelers. Their insurance plans include coverage for medical emergencies, trip cancellations, lost luggage, and other unexpected events that may occur during travels. This insurance is crucial for seniors as it provides peace of mind and financial protection in case of health emergencies or unforeseen circumstances while abroad.

• Comprehensive coverage for medical emergencies and trip cancellations/interruptions
• Policies tailored to the needs of senior travelers, including coverage for pre-existing conditions
• No age limit on many AARP travel insurance plans, providing options for those over 70 and 80
• AARP life insurance products, including final expense policies, may be more expensive than other providers
• AARP term and whole life insurance plans can be problematic for seniors to qualify for due to health questions and waiting periods
• Some negative customer feedback on sites like ConsumerAffairs, though AARP’s underwriter, New York Life, has average complaint ratios
• Concierge Services 
• Medical Assistance Hotline 
• Travel Planning Assistance

– Adventure Sports Coverage 

– Global Network Assistance

International Medical Group (IMG) is a reputable provider of international medical and travel insurance, serving customers for over 20 years in more than 190 countries. They offer various plans catering to various needs, including coverage for students, travelers, expats, seniors, and more. IMG stands out for providing up to $8 million in emergency care and medical evacuation coverage, significantly higher than many competitors. Their policies offer extensive coverage limits, with medical limits reaching up to $8 million, surpassing what most other providers offer. IMG also provides additional coverages like benefits for missed flights and pet kennel bills, although these may vary by plan.

• Extensive experience in the industry, serving customers for over 20 years.
• Coverage available in over 190 countries.
• Offers up to $8 million in emergency care and medical evacuation coverage.
• Provides a diverse range of plans for seniors and other needs.
• There are several bad customer reviews concerning claims processing and customer service.
• Some basic plans do not include baggage delay benefits.
• Travel Assistance Beyond Emergencies 
• Medical Referrals

– Senior-Friendly Policies 

– Trip Cancellation Benefits

Allianz Global Assistance offers a range of travel insurance products designed for seniors, catering to travelers up to 85 years old. Their policies cover various needs, including trip curtailment, delayed personal possessions, and missed departures. Allianz’s senior travel insurance is available for both inbound and outbound travel, with options for single trips and annual coverage. The company’s age limit allows seniors to travel safely and with peace of mind, covering them in Europe and the rest of the world.

• Offers a range of products, including single trip and annual coverage.
• Provides coverage for trip curtailment, delayed personal possessions, and missed departures.
• Available for both inbound and outbound travel.
• Covers Europe and the rest of the world.
• Some policies may have strict age restrictions, limiting coverage for older seniors.
• The cost of premiums may be higher for older travelers.
• The availability of certain policies may be limited due to travel restrictions.
• Trip Interruption Coverage 
• Concierge Services

Seven Corners

– Flexible Coverage Options

Seven Corners is a well-known travel insurance provider offering a variety of plans tailored for seniors. These plans provide comprehensive coverage for medical emergencies, trip cancellations, and lost belongings. Their plans are popular among senior travelers due to their competitive prices and generous coverage limits, including pre-existing conditions and medical evacuation options. Seven Corners stands out for its efficient claims process and excellent customer service, making it a reliable choice for older travelers. 

• Comprehensive coverage for medical emergencies, trip cancellations, and lost belongings.
• Competitive prices and generous coverage limits.
• Options for pre-existing conditions and medical evacuation.
• Efficient claims process and excellent customer service.
• There are age restrictions or limited coverage for certain conditions in some policies.
• Higher premiums for older travelers.
• Seniors need to review plan details carefully to ensure coverage meets their needs.
• Legal Assistance
• Medical Translation Services

– Enhanced Medical Coverage

Tin Leg offers a variety of travel insurance plans tailored for seniors, providing comprehensive coverage for medical emergencies, trip cancellations, and lost belongings. Their policies are known for high coverage limits, particularly in medical and medical evacuation coverage. Tin Leg’s customer service operates 24/7, offering assistance for various issues beyond medical emergencies. Additionally, they offer a range of deductible options, allowing seniors to customize their coverage to fit their budget.

• High coverage limits, especially for medical and medical evacuation.
• Competitive premiums and budget-friendly plans.
• Comprehensive coverage at a lower cost compared to other providers.
• 24/7 customer service for various travel-related issues.
• Limited customizability in plans.
• Limited rental car coverage.
• Trip Delay Benefits
• Emergency Reunion

Trawick International

– Customizable Plans 

– Comprehensive Benefits

Trawick International offers senior travel insurance plans with higher benefits than other senior travel insurance options, making it an excellent choice for non-U.S. travelers over 70. Their policies provide comprehensive coverage for medical emergencies, trip cancellations, and lost belongings, catering to the unique needs of older travelers. Trawick International stands out for its competitive prices and generous coverage limits, including pre-existing conditions and medical evacuation options.

Pros of Trawick International Travel Insurance for Seniors:

• Higher benefits than other senior travel insurance plans.
• Limited availability to insureds up to age 65.
• Some policies may have restricted coverage for certain conditions.
• Seniors must review plan details carefully to ensure coverage meets their needs.
• Medical Evacuation
• Medical Monitoring Services

What Does Travel Insurance For Seniors Cover?

Travel insurance for senior citizens usually covers medical emergencies, trip cancellations or interruptions, and baggage loss or delay.

Regarding medical coverage, international travel insurance for seniors often includes travel medical insurance, which covers emergency medical expenses, hospitalization, and emergency medical evacuation. Seniors need to prioritize the medical coverage aspect of their travel insurance policy.

Travel insurance for seniors also covers trip cancellations or interruptions due to unforeseen circumstances such as illness, injury, or death of a family member. This coverage can reimburse non-refundable expenses like prepaid flights, accommodation, and tour fees.

Moreover, seniors can expect baggage loss or delay coverage, which provides compensation for replacing essential items and covers the cost of purchasing necessary clothing and toiletries while waiting for delayed baggage.

It’s essential for seniors to carefully review travel insurance policies to ensure that their specific needs and requirements are adequately covered during their trips.

Please note that the coverage and specific terms of travel insurance policies for seniors may vary depending on the insurance provider and policy chosen. It is recommended to thoroughly read and understand the policy details before purchasing.

How Much Does Senior Travel Insurance Cost?

Senior travel insurance costs approximately $416 to $434 per trip. However, the cost may vary depending on age, destination, trip duration, coverage limits, and any pre-existing medical conditions. To get an accurate cost estimate, it is recommended that you obtain quotes from various insurance providers, considering your specific travel needs and circumstances.

It’s worth mentioning that different insurance companies may offer other coverage options and pricing structures for cheap travel insurance for seniors, so it’s advisable to compare multiple options before deciding.

How To Choose Senior Travel Insurance?

To choose the best seniors travel insurance, consider the following factors:

• Coverage for Pre-existing Medical Conditions: Look for policies that offer coverage for pre-existing medical conditions, as this is crucial for seniors. Ensure the policy includes comprehensive medical coverage and emergency medical evacuation.
• Age Limits and Eligibility: Check the age limits for coverage and eligibility for seniors. Some policies may have age restrictions, so it’s important to find an insurer that caters specifically to seniors.
• Trip Cancellation and Interruption Coverage: Evaluate if the policy offers adequate coverage for trip cancellations or interruptions, including reimbursement for pre-paid and non-refundable trip expenses due to unforeseen circumstances.
• Emergency Assistance Services: Ensure the policy provides 24/7 emergency assistance services and access to a global network of healthcare providers.
• Benefit Limits and Deductibles: Assess the benefit limits and deductibles to ensure they align with your travel needs and provide sufficient coverage.
• Policy Flexibility and Customization: Look for policies that allow customization based on the specific requirements of the trip and the individual’s health needs.
• Review Customer Reviews and Ratings: Research customer reviews and ratings of different insurance companies to gauge satisfaction and reliability.
• Compare Multiple Quotes: Obtain quotes from different insurance providers and compare the cost, coverage, and additional benefits offered.

Considering these factors, seniors can make informed decisions when choosing the best travel insurance.

It’s important to note that the best travel insurance for seniors over 70 may vary based on individual circumstances, so it’s advisable to carefully review policy details and consult with the insurance provider if necessary.

Frequently Asked Questions

Do seniors need travel insurance.

Yes, travel insurance is highly recommended for seniors. It provides coverage for a range of unexpected events such as medical emergencies, trip cancellations, lost baggage, and more.

What age is considered senior for travel insurance?

The age at which someone is considered a senior may vary among insurance providers, but it is typically around 65 years and older.

Is it expensive for seniors to purchase travel insurance abroad?

Travel insurance premiums for seniors may be slightly higher due to factors such as age and potential health risks. However, it is recommended that you compare quotes from different insurance providers to find the best coverage at a competitive price.

What insurance coverage is the most important for senior travelers?

The most important insurance coverage for senior travelers is medical coverage, specifically travel medical insurance and emergency medical evacuation coverage. These coverages provide financial protection and peace of mind in case of unexpected health emergencies while traveling.

Does senior travel insurance cover pre-existing conditions?

Travel insurance for seniors typically excludes coverage for pre-existing conditions, but some policies offer the option to obtain coverage for pre-existing conditions through a pre-existing medical condition exclusion waiver. This waiver can provide coverage for pre-existing conditions under certain conditions and restrictions.

The post Best travel insurance for seniors 2024 appeared first on Party Plexx .

Travel Insurance Statistics: Business Insider's Travel Insurance Survey

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.

Business Insider conducted a travel insurance survey of 971 US adults in December 2023 through Momentive AI Audience.

• It found that most travelers who bought travel insurance were concerned about their travel provider or their health.
• The survey also uncovered that most travelers would be willing to pay for insurance in the future.
• Compare the best travel insurance companies .

About 80% of those surveyed traveled for non-business reasons in the past year. Those travelers were most likely to travel internationally, by airplane (24%), or across state lines, by car (24%) or by airplane (18%). About 15% of respondents had traveled within their own state, by car. Of travelers surveyed, most (56%) paid $1,000 or less for their trip, while the vast majority (77%) paid $2,000 or less for their trip.

Among those travelers:

• The largest group of insured travelers (35%) bought insurance primarily because they feared issues like delayed flights or moved reservations, while about 29% were worried about a health emergency
• When researching travel insurance options, many buyers (28%) used suggestions and recommendations from family and friends
• The majority of insured travelers (55%) purchased their policy through a travel provider
• Of travelers who did not purchase insurance, 35% said their primary reason was because they'd never needed it on previous travels, and 19% said they didn't think their trip was expensive enough to insure
• Most people surveyed (68%) say they would be willing to pay some amount for travel insurance in the future

Why people buy travel insurance

Roughly 38% of surveyed travelers purchased insurance for their trip. About 13% of overall respondents purchased cancellation insurance, and 11% purchased cancel for any reason insurance (CFAR) . Another 14% said they purchased travel insurance, but were unsure what kind. The average cost of travel insurance varies by trip cost, destination, and age, but typically falls between $80 and $160 for a $2,000 trip.

The largest group of travelers (35%) who bought insurance did so primarily because they were concerned about the travel provider they booked with, and feared issues like delayed flights or moved reservations. About 29% were worried about having a potential health issue, and about 18% found the value or overall price to be appealing. About 11% said they always buy travel insurance out of habit, and just 5% said a friend had recommended it.

However, the largest percentage (28%) of travelers who purchased insurance researched their options by asking a friend or family member, followed by a review site, blog, or social media influencer (24%). Another 22% of respondents researched their options through a travel agent, and about 19% said they didn't do research at all.

Where travelers purchase their policies

The majority of insured travelers (55%) purchased a policy through a travel provider such as a booking engine like Expedia, or through an airline, a cruise provider, a tour group, or similar. The next most common place to purchase insurance was a travel agent (17%), followed by an insurance marketplace (13%).

Of those who responded to the survey, about 18% had purchased travel insurance and made a claim, while 24% had not made a claim on their coverage. Of those who made a claim, about half were satisfied with the outcome, and half were not.

When asked if they use any travel insurance features from their credit card — like trip delay coverage, baggage delay coverage, or rental car coverage — 33% of overall respondents said they did. However, more than a third of respondents whose credit cards carry these features said they still purchased separate travel insurance. Another 33% didn't know whether their cards come with this type of coverage.

Many travelers still don't see the need for insurance

About 62% of travelers surveyed did not purchase travel insurance; of those travelers, 35% said their primary reason to forgo insurance was because they'd traveled before and never needed it. About 19% said they didn't think their trip was expensive enough for insurance, and about 14% said they were trying to save money. About 13% said travel insurance never occurred to them. Only about 5% said they get travel insurance elsewhere, like through a credit card.

Travelers whose trips went as planned were largely happy with their decision not to purchase travel insurance: Over 70% said they didn't regret their decision to pass on a policy because nothing went wrong on their trip. Another 24% said they don't regret their choice simply because they never thought about travel insurance. About 6% of respondents felt differently: Nearly 4% wish they had purchased insurance because it would have given them peace of mind, and 2% regret their choice because something went wrong on their trip.

Most travelers would be willing to pay for insurance in the future

This holiday season, thousands of travelers experienced cancellations and delays and were even stranded at airports when Southwest airlines canceled 60% of its flying schedule , leaving travelers with little recourse. 

About 68% of travelers surveyed by Insider — both those who had and hadn't purchased travel insurance in the past year — said they'd be willing to pay for travel insurance in the future to protect a weeklong, non-business trip. Most (49%) were willing to pay up to $150 for coverage, and some (13%) were willing to pay up to $250. Only about 5% were willing to pay more than $250, and about 32% were not willing to pay at all.

As we continue to see travel delays and disruptions, travel insurance will become more important and will be viewed as a necessity and not just an expense. The cost of travel insurance is small relative to the trip costs you can protect.

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Do you need travel insurance this summer?

It can be complicated to navigate all the options. christopher elliott is here to help.

By Christopher Elliott

6:00 PM on Jun 26, 2024 CDT

If you’re planning to travel somewhere this summer, you’re probably thinking of buying travel insurance.

Kingsley Hopkins is. He’s headed to Portugal and Iceland with his girlfriend, and he wants to make sure he’s covered for things like medical emergencies or trip disruptions, “or if a volcano erupts,” he says.

But getting the right travel insurance can be complicated. There’s no one-size-fits-all policy, and Hopkins, an assistant editor at a book publishing company in New York, has been spending a lot of time thinking about how to protect his summer vacation.

Chances are, so have you.

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Why finding the right travel insurance is so hard

Most surveys suggest this will be a record summer for travel. How much of a record? Demand is so high that some airlines are afraid they will run out of planes. Now that’s busy.

At the same time, danger and uncertainty are lurking everywhere — wars in Europe and in the Middle East, the usual slate of natural disasters like hurricanes and maybe a volcano or two. It’s no wonder people are giving some serious thought to insurance.

Older travelers are particularly worried. And they should be, says P.K. Rao, CEO of INF Visitor Care . Claims by travelers over age 50 spike during the summer months.

“According to our claim data, medical emergencies tend to uptick during the summer, especially for those going on trips that involve outdoor activities,” he says.

But there are so many choices out there, including credit card coverage, medical evacuation membership programs and standalone travel insurance. What should you get?

You need peace of mind

But don’t just reflexively start shopping for a travel insurance policy this summer. Instead, look for peace of mind, knowing that if something goes wrong, you’ll be taken care of.

“Knowing you’re protected from unforeseen travel mishaps — like delays, lost baggage and even medical emergencies — can make the trip that much more enjoyable,” says Daniel Durazo, a spokesman for Allianz Partners USA .

As it turns out, there are several ways to get the peace of mind you need. And there are times when you can safely skip travel insurance.

This is when you don’t need insurance

Here’s when you can skip travel insurance, according to experts:

• If you already have coverage. “You may already have travel coverage through your benefits at work, your credit card or through group benefits with an organization,” says Jiten Puri, CEO of PolicyAdvisor.com . If you do, there’s no need to buy more coverage. You’re all set.
• If you’re not traveling far. If you’re taking a driving vacation and staying in a place where lodging is free, like a relative’s sofa, then there’s not much to insure. “If you already have health insurance, it may cover you for a domestic trip, so you don’t need to think about health insurance coverage,” says Joe Cronin, CEO of International Citizens Insurance .
• If your trip isn’t insurable. Traditional travel insurance covers conventional trips with prepaid, nonrefundable components like airline tickets and hotel stays. You might find that you either already have coverage through your medical insurance, or the trip is essentially uninsurable.

So think twice before saying “yes” to optional travel insurance that your online travel agency may offer you when you’re booking a trip. You might not need it.

Here’s when you do need travel insurance

But most travelers should consider some kind of travel insurance coverage this summer. Here’s when you need the extra coverage:

• If you have travel expenses that insurance would cover. “If you have many prepaid, nonrefundable expenses, it’s best to take out travel insurance,” says Lauren Gumport, a spokeswoman for Faye Travel Insurance . ”This includes things like flights, hotel rooms, tickets and activities.” The more conventional your vacation, the likelier travel insurance is to cover almost every aspect of your summer vacation.
• If you’re leaving the country. “Your regular medical insurance might not extend coverage beyond your home borders,” says John Rose, chief risk and security officer at ALTOUR . Also, many countries require travel insurance for entrance. They include Bermuda, Qatar, Sri Lanka and some European countries.
• If you can’t afford to lose your trip. “When considering travel insurance for your summer trip, evaluate whether you can afford to lose your vacation investment due to unforeseen circumstances like illness, weather disruptions or emergencies,” explains Robert Gallagher, president of the US Travel Insurance Association (USTIA). “Can you afford the financial risk if you miss your cruise departure because of covered flight delays? What if you have to cut your trip short because of illness?”

One of the most common mistakes travelers make is assuming their credit card will cover them. For example, I found that my credit card only covered my rental car as secondary insurance, which made it completely useless when I rented a car in Tampa recently. I had to buy a standalone policy from Allianz to cover the vehicle.

How one traveler insured his summer vacation

So how did Hopkins handle his travel insurance needs? Well, as I already mentioned — it’s complicated.

Hopkins says he always buys some travel insurance before he takes a trip, “but how much, and what I cover, varies,” he explains.

He decided that his path to peace of mind in this case was to spend a few extra dollars: He made fully refundable flight and hotel reservations, just in case something goes wrong. That would eliminate a lengthy claim with his travel insurance company or credit card.

But he still needed at least $50,000 in medical coverage with emergency evacuation because of his active schedule.

“We’re going to be doing a lot of hiking in Iceland,” he says. “And you just never know.”

At the beginning of the year, he decided to buy an annual Medjet Horizon plan, a membership that would get him from a hospital in Portugal or Iceland to a hospital at home, in case something happened.

For insurance, Hopkins checked TravelInsurance.com to find an affordable travel insurance policy. He found coverage through Trawick International that pays up to $50,000 in medical expenses and up to $200,000 for an evacuation.

“I’ve heard good things about them,” he says. “Hopefully, we won’t need any of it.”

How do I insure my trips?

I’m on the road about 360 days a year, so I’m always thinking about peace of mind. I currently use a Wells Fargo credit card with lots of travel benefits, and I have long-term policies through Faye and Cigna, which have worked fairly well. I also am a longtime Medjet Horizon member. If I rent a car, I turn to Allianz for my primary coverage.

I know — that’s a lot of peace of mind.

But I’ve also run into trouble and had to use many of those benefits. Medjet got me back home during the pandemic. Cigna covered me after a serious ski accident in Switzerland. My old Allianz policy took care of my medical expenses when I had to see a doctor in Santa Fe, N.M., a few years ago.

Like I always say, when it comes to having enough insurance, better safe than sorry.

Christopher Elliott is an author, consumer advocate, and journalist. He founded Elliott Advocacy, a nonprofit organization that helps solve consumer problems. He publishes Elliott Confidential , a travel newsletter, and the Elliott Report , a news site about customer service. If you need help with a consumer problem, you can reach him here or email him at [email protected] .

Christopher Elliott , Special Contributor . Christopher Elliott is an author, consumer advocate and journalist. He founded Elliott Advocacy, a nonprofit organization that helps solve consumer problems. He publishes Elliott Confidential, a travel newsletter, and the Elliott Report, a news site about customer service.

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USAID Expands Community-based Dispension of Social Health Insurance (SHI)-covered Tuberculosis (TB) Drugs

In Vinh Long, TB patients have to go to district health centers to get their Social Health Insurance (SHI)-covered medication. To expand patient access to needed medications, on June 14, USAID organized a study tour in Dong Thap province for Vinh Long officials as TB patients in Dong Thap can receive their medications at all commune health stations (CHSs), which saves them time and travel costs. Vinh Long officials learned from practical procedures and strategic collaboration among local health authorities and social insurance agencies in Dong Thap. Participants from Vinh Long, representing the Provincial Department of Health, the Provincial Lung Hospital, Social Security Agency, and eight District Health Centers, had a chance to observe the process and are now working on a plan to begin SHI-covered TB drug dispensing at CHSs in their province in August 2024. 

USAID’s support in provinces like Vinh Long to expand access to needed medications, including life-saving TB treatment medication, is critical for Vietnam to meet its goal of ending TB by 2035. 

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