What are the best travel insurances for Finland in 2025?
- The best travel insurance plans for Finland
- Is it currently safe to travel to Finland?
- Travel insurance requirements for entering Finland
- The Importance of Travel Insurance for Finland
- What Should Travel Insurance for Finland Cover?
- The cost of travel insurance for Finland
- How to Pay Less for Your Travel Insurance to Finland
- Your current insurance coverage in Finland
- FAQ
Travel insurance for Finland: key takeaways
1. Definition: Travel insurance for Finland covers medical emergencies, trip cancellation, and lost personal belongings.
2. Key protection: Insurance is not mandatory for US citizens, but it is highly recommended for financial protection.
3. Healthcare cost: Healthcare in Finland is excellent but expensive; a hospital night can cost over $500.
4. Price: A one-week travel insurance policy for Finland typically costs between $30 and $60.
5. Good to know: Your US health insurance, including Medicare, likely offers little to no coverage in Finland.
Why trust HelloSafe?
HelloSafe is an international specialist in travel insurance comparison, advising over one million travelers every month. After analyzing 41 travel insurance policies available in the US, our experts share here everything you need to know to choose the best travel insurance for Finland.
The best travel insurance plans for Finland
| Contract we recommend | Medical reimbursement limit | Our view |
|---|---|---|
| HelloTravel Premium | $1.1M | Excellent choice for Finland due to strong medical coverage. - high reimbursement - medical evacuation - adaptable contract |
| Cap Assistance 24/24 | $1.1M | Designed for US visitors needing reliable health support. - 24/7 helpline - cancellation guarantee - speedy claims |
| Tourist Card | $550k | Affordable coverage for city breaks and tours in Finland. - solid medical cover - emergency help - competitive for short stays |
| Travel Pass Monde | $770k | Good option for regular travelers within Europe. - covers hospital care - repatriation - wide scope |
| Globe Partner | $330k | Simple, suitable policy for most Finland trips. - essential health cover - liability - responsive assistance |
| Globe Traveller | $550k | Cost-effective for short and low-risk stays. - strong medical ceiling - fast reimbursement - easy to understand |
- high reimbursement
- medical evacuation
- adaptable contract
- 24/7 helpline
- cancellation guarantee
- speedy claims
- solid medical cover
- emergency help
- competitive for short stays
- covers hospital care
- repatriation
- wide scope
- essential health cover
- liability
- responsive assistance
- strong medical ceiling
- fast reimbursement
- easy to understand
Is it currently safe to travel to Finland?
As of June 2025, the US Department of State advises travelers that Finland remains one of the safest destinations in Europe, with a vigilance level of “exercise normal precautions”.
Here are their four main recommendations.
- Security risks: violent crime is rare, but travelers should remain alert to petty theft, especially in busy locations such as Helsinki railway station or during summer festivals.
- Health risks: no special vaccinations are required, and medical care quality matches US standards. Emergency services are easily accessible by dialing 112 anywhere in Finland.
- Environmental hazards: winter driving can be dangerous due to icy roads and limited daylight, particularly in northern Lapland. Between December and February, snow tires are legally required.
- Legal constraints: fines for traffic violations are income-based and can be substantial, for example, speeding fines can reach several hundred dollars for higher earners.
Although not required, travel insurance is strongly recommended by the US Department of State, particularly to cover medical expenses and emergency repatriation, which can be extremely costly in Finland.
Travel insurance requirements for entering Finland
No, travel insurance is not mandatory for travelers from the US to enter Finland.
However, it is strongly recommended to have travel insurance. Medical care in Finland can be expensive without coverage, and insurance will help you deal with unforeseen medical emergencies, evacuation, or loss of personal belongings.
According to our data, 50% of travelers purchase travel insurance before going to Finland, as it is a very safe European country but unexpected costs can still occur.
The Importance of Travel Insurance for Finland
It is an essential financial and medical protection for anyone going to Finland.
In Finland, foreigners must pay the full cost for medical care at private hospitals such as Mehiläinen Helsinki Hospital, where fees can be considerable. Even public hospitals like Helsinki University Hospital charge non-residents the actual cost of treatment, which is not subsidized. A simple emergency or treatment in cities like Tampere or Turku can lead to significant expenses.
Travel insurance covers medical fees, hospitalization, medication, ambulance transport, and emergency repatriation to the US in case of a serious incident.
Here are some examples of healthcare costs in Finland.
| Example of medical treatment | Cost at Mehiläinen Helsinki Hospital | Covered by travel insurance |
|---|---|---|
| I have to be hospitalized 48 hours after contracting an infection | 2,500 EUR (approx. $2,700) | up to 100% |
| I broke my tibia (X-ray, cast, and crutch rental) | 1,800 EUR (approx. $1,950) | up to 100% |
| I need to be repatriated | 30,000 EUR (approx. $32,500) | up to 100% |
| I have appendicitis (consultation and surgery) | 8,000 EUR (approx. $8,650) | up to 100% |
These prices are given as an indication and may vary depending on the facilities and regions.
It is therefore essential to take out appropriate travel insurance to avoid unexpected and potentially high expenses.
What Should Travel Insurance for Finland Cover?
Here is a summary table of the main coverages you should look for in a travel insurance policy for Finland.
| Main coverages | Explanations and recommendations |
|---|---|
| 🏥 Medical expenses | Covers doctor visits, hospital stays, surgery, and outpatient care. For Finland, we recommend a reimbursement limit of $200,000. |
| 🚑 Medical evacuation and repatriation | Covers transport to another hospital or return to the US in case of severe illness or accident. Recommended limit: $250,000. |
| 💼 Baggage and personal belongings | Compensation for loss, theft, or damage to your luggage or valuables. Recommended limit: $2,000. |
| ✈️ Trip cancellation or interruption | Refunds your prepaid travel costs if you must cancel or shorten your trip for covered reasons. Recommended limit: $5,000. |
| 🚗 Rental vehicle excess | Covers deductible costs for rental car damage or theft. Recommended limit: $1,000. |
| 🦷 Emergency dental care | Provides care for urgent dental problems or accidents. Recommended limit: $500. |
| 🕳 Accident and liability cover | Pays compensation if you accidentally hurt someone or damage property. Recommended limit: $300,000. |
| 📞 24/7 assistance services | Access to a support hotline for emergencies, translation, or travel advice. No set financial limit, but always ensure this is included. |
For Finland, we recommend a reimbursement limit of $200,000.
Recommended limit: $250,000.
Recommended limit: $2,000.
Recommended limit: $5,000.
Recommended limit: $1,000.
Recommended limit: $500.
Recommended limit: $300,000.
No set financial limit, but always ensure this is included.
Coverage from local insurers or bank cards in Finland or the US often includes low reimbursement limits and many exclusions. For better protection, choose a trusted insurer with comprehensive cover. Compare the top options on HelloSafe and subscribe online for instant coverage certification.
The cost of travel insurance for Finland
| Trip duration | Traveler’s age | Indicative price per person |
|---|---|---|
| 1 week | 25 years old | $22 |
| 2 weeks | 45 years old | $36 |
| 1 month | 35 years old | $53 |
| 1 month | 70 years old | $128 |
These prices are indicative and may vary depending on the coverage chosen and the specifics of each insurer.
Good to know
The price of your policy is shaped by several key details: your age, trip duration, destination, desired coverage limits, and any add-ons like a cancellation option. Keeping these elements in mind is essential to select the right plan for your needs and budget, ensuring you travel with peace of mind.
💡 It is always recommended to compare multiple offers to find the best value-for-money plan for you. You can use HelloSafe.
👉 Compare the best travel insurance for freeI compareHow to Pay Less for Your Travel Insurance to Finland
Here are some suggestions to optimize the cost of your travel insurance to Finland while keeping good coverage:
| Criteria | Why it matters | Expert tip |
|---|---|---|
| 📝 Level of coverage | Choosing only the coverage you need helps you avoid unnecessary additional costs for Finland. | Review medical, baggage, and liability coverage and remove extras that are not essential for your circumstances. |
| 👨👧👦 Number of travelers | Group policies can offer lower per-person rates and simplify management, especially for families or groups. | Compare family or group rates to individual plans, and ask for group discounts when available. |
| 🗓️ Duration of trip | Insurance costs are linked to trip length. Shorter and well-defined periods reduce your premium. | Insure only for your exact travel dates and avoid extending coverage to non-travel days at the destination or back home. |
| 🌎 Area of coverage | Worldwide plans are more expensive. For Finland, you do not need global coverage unless visiting other countries. | Choose a Europe-only or Schengen area plan unless your itinerary includes other continents. |
| 🏥 Medical limits | High medical reimbursement limits can increase your premium but may not always be needed in Finland. | Select an appropriate maximum (e.g., $100,000 or $200,000) based on Finland’s strong public health services. |
| 🎒 Baggage or valuables | Loss or theft occurs but is not common in Finland. Extensive coverage on baggage may raise the premium. | Opt for the default or basic offering if you are not transporting high-value goods or large amounts of electronics. |
| 👴 Traveller's age | Most insurers increase rates with age. However, the insurer Heymondo does not increase its prices for people over 62. | Compare offers and check pricing policy by age. Prioritize insurers with no price surge for older travelers if eligible. |
Important
For trips to Finland, ensure your insurance covers medical fees, baggage loss, and at least one form of emergency assistance. Compare options to keep a balance of quality and price.
Your current insurance coverage in Finland
It is completely reasonable to wonder if your existing insurances, like public or private health insurance or your credit card coverage, can protect you during a trip to Finland. Unfortunately, these options are often limited or may not meet all your needs for travel abroad.
Here is a summary table to help you review your current insurance and what it covers.
| Type of insurance | Valid in Finland? | What it covers | Why Travel Insurance is better |
|---|---|---|---|
| Public health insurance (Medicare, Medicaid) | No, never | Emergency health coverage not available outside the US. No hospitalization or repatriation benefits. | Travel insurance covers $100,000+ medical, hospitalization, and medical evacuation. |
| Private health insurance | Yes, partly | Emergency care may be partially reimbursed after return. Excludes direct payment or repatriation. | Travel insurance pays $100,000+ abroad and covers evacuation plus 24/7 assistance. |
| Classic credit card (Visa Classic, Mastercard Standard) | Yes, partly | Medical expenses typically $2,500–$10,000. No trip cancellation, baggage loss, or evacuation. | Travel insurance covers up to $100,000+, baggage, and cancellation. |
| Premium credit card (Chase Sapphire Preferred, Amex Gold, Citi Premier) | Yes, partly | Medical expenses up to $25,000–$100,000, limited baggage and delay coverage. | Travel insurance may include $5,000+ for trip cancellation and much higher support. |
Example
While cross-country skiing in Lapland, Sarah suffered a severe hip fracture. A helicopter rescue and surgery in Rovaniemi cost $35,000. Her US health plan had a high international deductible, and her Chase Sapphire card's travel benefit only covered $2,500, leaving her with a shocking $32,500 bill for the winter adventure.
Expert advice
Always check the terms, exclusions, and limits of your existing insurance. Critical situations, like trip interruption for a relative's illness, are often excluded. Read the conditions carefully to avoid unpleasant surprises abroad. In all cases, it is safer and more reassuring to subscribe a dedicated travel insurance tailored to the trip.
FAQ
Do I need a visa to travel to Finland?
US citizens do not need a visa to visit Finland for stays of up to 90 days within any 180-day period. You must have a valid passport with at least six months of validity remaining. Two blank pages are recommended for entry and exit stamps. Be prepared to show proof of onward travel and sufficient funds for your stay.
How do I purchase travel insurance for Finland?
Start by comparing plans using the HelloSafe travel insurance comparison tool. Review coverage and exclusions, especially for winter sports, medical evacuation, and trip interruptions relevant to Finland. Buy your preferred plan online and ensure you receive your insurance certificate promptly by email. Travel with both a digital and paper copy.
Are healthcare services in Finland expensive for tourists?
Finland has high-quality healthcare, but services for non-residents can be costly. Out-of-pocket expenses for a hospital visit may exceed $300, and emergency care or specialized treatments can add to this. Travel insurance helps avoid unexpected financial strain in case of illness or accident.
What should I look for in a travel insurance policy for Finland?
Choose a plan with at least $100,000 emergency medical coverage, including medical evacuation. Winter occurs from December to February, so ensure activities like skiing or snowmobiling are covered. Confirm that trip cancellation, baggage loss, and 24/7 emergency assistance are included.
Will my travel insurance cover winter weather delays in Finland?
Most comprehensive travel insurance policies cover travel disruptions, delays, and cancellations due to severe weather, which can occur in Finland, especially in winter. Check your plan’s terms for eligible events, maximum compensation amounts, and required documentation to support a claim.
Do I need a visa to travel to Finland?
US citizens do not need a visa to visit Finland for stays of up to 90 days within any 180-day period. You must have a valid passport with at least six months of validity remaining. Two blank pages are recommended for entry and exit stamps. Be prepared to show proof of onward travel and sufficient funds for your stay.
How do I purchase travel insurance for Finland?
Start by comparing plans using the HelloSafe travel insurance comparison tool. Review coverage and exclusions, especially for winter sports, medical evacuation, and trip interruptions relevant to Finland. Buy your preferred plan online and ensure you receive your insurance certificate promptly by email. Travel with both a digital and paper copy.
Are healthcare services in Finland expensive for tourists?
Finland has high-quality healthcare, but services for non-residents can be costly. Out-of-pocket expenses for a hospital visit may exceed $300, and emergency care or specialized treatments can add to this. Travel insurance helps avoid unexpected financial strain in case of illness or accident.
What should I look for in a travel insurance policy for Finland?
Choose a plan with at least $100,000 emergency medical coverage, including medical evacuation. Winter occurs from December to February, so ensure activities like skiing or snowmobiling are covered. Confirm that trip cancellation, baggage loss, and 24/7 emergency assistance are included.
Will my travel insurance cover winter weather delays in Finland?
Most comprehensive travel insurance policies cover travel disruptions, delays, and cancellations due to severe weather, which can occur in Finland, especially in winter. Check your plan’s terms for eligible events, maximum compensation amounts, and required documentation to support a claim.
