- The best travel insurance plans for Finland
- Current travel safety in Finland
- Is travel insurance required by law to enter Finland?
- Why take out travel insurance for Finland?
- What Travel Insurance for Finland Should Cover
- The cost of travel insurance for Finland
- How to pay less for your travel insurance to Finland
- Can I rely on my current insurance to cover me in Finland?
- FAQ
- On the same topic
Travel insurance for Finland: key takeaways
1. Definition: Travel insurance for Finland covers medical emergencies, trip cancellation, and other unforeseen travel incidents.
2. Key protection: Insurance is not mandatory for Canadians, but it is highly recommended for financial protection.
3. Healthcare cost: Healthcare is excellent but expensive; a hospital night can cost over CAD $1,000 for visitors.
4. Price: A one-week travel insurance policy for Finland typically costs between CAD $30 and CAD $60.
5. Good to know: Bring enough personal prescription medication, as shipping medication to Finland from abroad is prohibited.
Why trust HelloSafe?
HelloSafe is an international specialist in travel insurance comparison, advising over one million travellers every month. After analyzing 41 travel insurance policies available in Canada, 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 | $1.5M CAD | A leading option for travel to Finland with comprehensive protection. - high medical ceiling - repatriation covered - good for adventure and city stays |
| Cap Assistance 24/24 | $1.5M CAD | Recommended for its balance of support and coverage when visiting Finland. - round-the-clock medical helpline - cancellation protection - no deductible |
| Tourist Card | $750k CAD | Suited to tourists wanting core medical guarantees in Finland. - reliable reimbursement limit - emergency assistance included - competitive pricing |
| Travel Pass Monde | $1.0M CAD | Flexible plan with strong guarantees for Canadian visitors to Finland. - wide medical and repatriation cover - direct payment to hospitals - civil liability |
| Globe Partner | $450k CAD | A simple, essential option for safe travel to Finland. - medical expenses abroad - repatriation - basic civil liability protection |
| Globe Traveller | $750k CAD | Fits short and moderate-risk travel with essential guarantees for Finland trips. - suitable medical cover - efficient claims - quick reimbursement |
- high medical ceiling
- repatriation covered
- good for adventure and city stays
- round-the-clock medical helpline
- cancellation protection
- no deductible
- reliable reimbursement limit
- emergency assistance included
- competitive pricing
- wide medical and repatriation cover
- direct payment to hospitals
- civil liability
- medical expenses abroad
- repatriation
- basic civil liability protection
- suitable medical cover
- efficient claims
- quick reimbursement
Current travel safety in Finland
As of June 2025, Global Affairs Canada recommends travellers to take normal security precautions when visiting Finland, as it ranks among the safest countries globally and presents a stable environment for Canadian visitors.
Here are their four main recommendations.
- Security risks: while crime remains low, occasional petty theft can occur in busy areas of Helsinki, such as central train stations and tourist sites. Travellers should remain alert, especially in crowded places.
- Health risks: Finland’s health care is excellent and accessible. Tick-borne encephalitis can be present in forested regions from April to November, and visitors should ensure their vaccinations are up-to-date.
- Legal requirements: Finnish border controls strictly prohibit the import of medication by mail. It is essential to bring enough prescribed medication for the entire stay and keep it in its original packaging.
- Environmental conditions: severe winter weather, short daylight hours, and icy roads can create hazards for travellers between November and March. Use of winter tires is mandatory during this period, especially outside major cities.
Although not required, travel insurance is strongly recommended by Global Affairs Canada, particularly to cover medical expenses and emergency repatriation, which can be extremely costly in Finland.
Is travel insurance required by law to enter Finland?
No, travel insurance is not mandatory for Canadian citizens travelling to Finland for short stays under 90 days.
Finland is part of the Schengen area, and Canadians are visa-exempt for tourist or business visits of less than 90 days. However, comprehensive travel insurance is strongly recommended to cover medical expenses, hospitalizations, and emergency repatriation, as health care and evacuation costs can be significant.
According to our data, 50% of travellers purchase travel insurance before going to Finland. This reflects Finland’s very safe environment, but Canadian travellers protect themselves against unexpected medical expenses.
Why take out travel insurance for Finland?
It is an essential financial and medical protection for anyone going to Finland.
While public healthcare in Finland, such as HUS Helsinki University Hospital in Helsinki or Mehiläinen Medical Center in Turku, offers high standards, care for non-residents is often only available in the private sector and at high cost. Foreigners may also have to pay full fees in public hospitals, with consultations and treatments quickly adding up in major cities.
Travel insurance covers medical expenses, hospitalization costs, medications, ambulance transportation, and repatriation to Canada in case of serious illness or injury.
Here are some examples of healthcare costs in Finland.
| Example of medical treatment | Cost at Mehiläinen Medical Center | Covered by travel insurance |
|---|---|---|
| I have to be hospitalized 48 hours after contracting an infection | €2,000 (approx. $2,950 CAD) | up to €1,000,000 or 100% |
| I broke my tibia (X-ray, cast, and crutch rental) | €1,100 (approx. $1,625 CAD) | up to €1,000,000 or 100% |
| I need to be repatriated | €30,000 (approx. $44,300 CAD) | up to €1,000,000 or 100% |
| I have appendicitis (consultation and surgery) | €4,300 (approx. $6,350 CAD) | up to €1,000,000 or 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 Travel Insurance for Finland Should 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 hospitalizations, doctor’s visits, and urgent medical care. We recommend a minimum reimbursement limit of $1M CAD. |
| 🚑 Emergency evacuation | Pays for transportation by ambulance or air if needed. For Finland, a limit of at least $300K CAD is advised. |
| ✈️ Repatriation | Covers costs to return to Canada in case of serious illness or death. We recommend a reimbursement limit of $300K CAD. |
| 💊 Medications | Includes prescription drugs in case of new illness or accident. Look for coverage up to $25K CAD minimum. |
| 🧳 Luggage protection | Reimburses the value of lost, stolen, or damaged baggage. Recommend coverage up to $3K CAD per trip. |
| ⛷️ Adventure activities | Protection for injuries from hiking, skiing, or winter sports. For Finland, ensure up to $100K CAD for active holidays. |
| 🚗 Civil liability | Covers damages or injury to others due to your actions. Select a limit of at least $1M CAD for sufficient protection. |
| ❌ Trip cancellation | Refunds prepaid expenses if your trip is cancelled or interrupted. A minimum limit of $6K CAD is recommended. |
We recommend a minimum reimbursement limit of $1M CAD.
For Finland, a limit of at least $300K CAD is advised.
We recommend a reimbursement limit of $300K CAD.
Look for coverage up to $25K CAD minimum.
Recommend coverage up to $3K CAD per trip.
For Finland, ensure up to $100K CAD for active holidays.
Select a limit of at least $1M CAD for sufficient protection.
A minimum limit of $6K CAD is recommended.
Travel insurance from local providers or credit cards usually has limited coverage, low limits, and many exclusions. It is safer to select a trusted insurer with full coverage. Compare the best offers on HelloSafe and subscribe online for instant certification.
The cost of travel insurance for Finland
| Trip duration | Traveler’s age | Indicative price per person |
|---|---|---|
| 1 week | 25 years old | $35 CAD |
| 2 weeks | 45 years old | $55 CAD |
| 1 month | 35 years old | $85 CAD |
| 1 month | 70 years old | $170 CAD |
These prices are indicative and may vary depending on the coverage chosen and the specifics of each insurer.
Good to know
The cost of your travel insurance is influenced by several key elements: your age, the length of your trip, your destination, the amount of coverage you select, and any extra options like trip cancellation. Considering these factors is crucial for finding a policy that fits your needs and budget, ensuring you're well-protected without overpaying.
💡 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 |
|---|---|---|
| 🛫 Length of stay | Longer trips result in higher premiums. | Buy insurance only for the actual number of days you are in Finland to avoid unnecessary costs. |
| 🎂 Traveller’s age | Older travelers usually pay more due to health risk profiles. | Compare insurers’ senior rates. Heymondo does not increase its prices for people over 62. |
| 🧳 Level of coverage | Higher coverage limits mean higher premiums, but Finnish healthcare costs can be high. | Select only essential medical and repatriation coverage while keeping limits appropriate for Finland. |
| 👨👩👦 Number of travelers | Family or group plans can offer prices per person that are cheaper than separate policies. | Look for family or group bundle policies for greater value and administrative ease. |
| 🏥 Pre-existing conditions | Declaring medical conditions raises premiums, especially for chronic issues. | Disclose conditions only if coverage is needed and compare offers for stable, low-risk conditions. |
| 🌐 Timing of purchase | Prices can increase for last-minute purchases or during peak travel seasons. | Purchase your policy as early as possible to get the best rate and more coverage options. |
| 🌍 Region of coverage | Europe-only coverage is less expensive than global insurance if your travel is limited to Finland. | Opt for European or Finland-only coverage if you do not plan to visit other regions. |
Can I rely on my current insurance to cover me in Finland?
It is completely legitimate to wonder if your current insurance, such as your provincial health plan, private health insurance, or credit card protection, is enough for travel in Finland. Unfortunately, this coverage is often limited or insufficient. 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 (provincial health plan) | Limited coverage | Usually covers emergencies only, max limits about $1,000 CAD, no repatriation or follow-up care. | Travel insurance covers up to $1 million+ CAD, hospital stays, repatriation, and COVID-19 care. |
| Private health insurance | Limited coverage | Some international care, but max benefit typically $50,000–$100,000 CAD, no trip delay or baggage. | Travel insurance can offer $1 million+ CAD medical, plus trip interruption and lost bag protection. |
| Classic credit card (Visa Classic, Mastercard Standard, BMO Air Miles) | Limited coverage | Medical emergencies under $15,000 CAD, age and trip length limits, no baggage or trip cancellation. | Travel insurance includes $1 million CAD+ medical, trip cancellation, and baggage coverage. |
| Premium credit card (Visa Infinite, Platinum Amex, RBC Avion) | Limited coverage | Medical cover up to $2 million CAD, strict time limits (15–30 days), basic delay/baggage insurance. | Travel insurance provides full emergency, trip cancellation, hospitalisation, and support 24/7 worldwide. |
Example
While hiking in Finnish Lapland, Mark suffered a severe leg fracture. A helicopter evacuation and surgery cost CA$45,000. His RBC Avion Visa's included insurance only covered CA$5,000, and his provincial plan covered next to nothing for the rescue, leaving him with a shocking CA$40,000 bill for his winter adventure.
Expert advice
Essential coverage, like trip interruption for a relative's illness, is often excluded from credit card and provincial health plans. Always read your policy's fine print to avoid unpleasant surprises abroad. In all cases, it is safer and more reassuring to purchase dedicated travel insurance tailored to your trip.
FAQ
Do I need a visa to travel to Finland?
Canadian citizens do not need a visa for tourism or business trips to Finland for up to 90 days within any 180-day period. You must have a Canadian passport that is valid for at least 3 months beyond your departure from the Schengen area. Always confirm current requirements before you travel.
How do I purchase travel insurance for Finland?
Begin by using the HelloSafe travel insurance comparison tool to review options. Next, carefully check the coverage and exclusions, especially for risks relevant to Finland, like winter sports or remote travel. Purchase the chosen plan online and receive your certificate by email or directly on your account.
Are medical expenses covered in Finland with Canadian travel insurance?
A comprehensive Canadian travel insurance policy will cover hospital and emergency medical expenses in Finland, often up to $100,000 CAD or more. Ensure your policy includes COVID-19 coverage and medical evacuation, as follow-up care and repatriation can be costly without insurance.
What special coverage should I consider when traveling to Finland?
If you plan outdoor activities such as hiking, Arctic expeditions, or winter sports, choose insurance with adventure coverage. Standard policies may not include high-risk activities. Check for adequate limits for medical evacuation, especially in remote or northern regions of Finland.
How much does travel insurance cost for a trip to Finland?
For a healthy adult, travel insurance to Finland may cost approximately $40–$110 CAD for a week and $120–$300 CAD for one month, depending on age, health, and coverage level. Policies for seniors or those participating in winter sports are typically higher in price.
What should I do if I need medical care in Finland?
If you need medical attention in Finland, contact your insurer’s emergency assistance number immediately. The insurer can recommend a hospital, organize direct payment, or provide advice on making a claim. Always keep your insurance certificate and emergency contact numbers with you during your trip.
Do I need a visa to travel to Finland?
Canadian citizens do not need a visa for tourism or business trips to Finland for up to 90 days within any 180-day period. You must have a Canadian passport that is valid for at least 3 months beyond your departure from the Schengen area. Always confirm current requirements before you travel.
How do I purchase travel insurance for Finland?
Begin by using the HelloSafe travel insurance comparison tool to review options. Next, carefully check the coverage and exclusions, especially for risks relevant to Finland, like winter sports or remote travel. Purchase the chosen plan online and receive your certificate by email or directly on your account.
Are medical expenses covered in Finland with Canadian travel insurance?
A comprehensive Canadian travel insurance policy will cover hospital and emergency medical expenses in Finland, often up to $100,000 CAD or more. Ensure your policy includes COVID-19 coverage and medical evacuation, as follow-up care and repatriation can be costly without insurance.
What special coverage should I consider when traveling to Finland?
If you plan outdoor activities such as hiking, Arctic expeditions, or winter sports, choose insurance with adventure coverage. Standard policies may not include high-risk activities. Check for adequate limits for medical evacuation, especially in remote or northern regions of Finland.
How much does travel insurance cost for a trip to Finland?
For a healthy adult, travel insurance to Finland may cost approximately $40–$110 CAD for a week and $120–$300 CAD for one month, depending on age, health, and coverage level. Policies for seniors or those participating in winter sports are typically higher in price.
What should I do if I need medical care in Finland?
If you need medical attention in Finland, contact your insurer’s emergency assistance number immediately. The insurer can recommend a hospital, organize direct payment, or provide advice on making a claim. Always keep your insurance certificate and emergency contact numbers with you during your trip.
On the same topic
