The Best Travel Insurance Plans for Finland in 2025

A. Fruchard
A. Fruchard updated on June 30, 2025
Table of Contents
  • 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
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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.

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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 recommendMedical reimbursement limitOur view
HelloTravel Premium$1.5M CADA 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 CADRecommended for its balance of support and coverage when visiting Finland.
- round-the-clock medical helpline
- cancellation protection
- no deductible
Tourist Card$750k CADSuited to tourists wanting core medical guarantees in Finland.
- reliable reimbursement limit
- emergency assistance included
- competitive pricing
Travel Pass Monde$1.0M CADFlexible plan with strong guarantees for Canadian visitors to Finland.
- wide medical and repatriation cover
- direct payment to hospitals
- civil liability
Globe Partner$450k CADA simple, essential option for safe travel to Finland.
- medical expenses abroad
- repatriation
- basic civil liability protection
Globe Traveller$750k CADFits short and moderate-risk travel with essential guarantees for Finland trips.
- suitable medical cover
- efficient claims
- quick reimbursement
Recommended Travel Insurance Contracts for Finland
HelloTravel Premium
Medical reimbursement limit
$1.5M CAD
Our view
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
Medical reimbursement limit
$1.5M CAD
Our view
Recommended for its balance of support and coverage when visiting Finland.
- round-the-clock medical helpline
- cancellation protection
- no deductible
Tourist Card
Medical reimbursement limit
$750k CAD
Our view
Suited to tourists wanting core medical guarantees in Finland.
- reliable reimbursement limit
- emergency assistance included
- competitive pricing
Travel Pass Monde
Medical reimbursement limit
$1.0M CAD
Our view
Flexible plan with strong guarantees for Canadian visitors to Finland.
- wide medical and repatriation cover
- direct payment to hospitals
- civil liability
Globe Partner
Medical reimbursement limit
$450k CAD
Our view
A simple, essential option for safe travel to Finland.
- medical expenses abroad
- repatriation
- basic civil liability protection
Globe Traveller
Medical reimbursement limit
$750k CAD
Our view
Fits short and moderate-risk travel with essential guarantees for Finland trips.
- suitable medical cover
- efficient claims
- quick reimbursement
Recommended Travel Insurance Contracts for Finland
👉 Compare the best travel insurance for freeI compare

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 treatmentCost at Mehiläinen Medical CenterCovered 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%
I have to be hospitalized 48 hours after contracting an infection
Cost at Mehiläinen Medical Center
€2,000 (approx. $2,950 CAD)
Covered by travel insurance
up to €1,000,000 or 100%
I broke my tibia (X-ray, cast, and crutch rental)
Cost at Mehiläinen Medical Center
€1,100 (approx. $1,625 CAD)
Covered by travel insurance
up to €1,000,000 or 100%
I need to be repatriated
Cost at Mehiläinen Medical Center
€30,000 (approx. $44,300 CAD)
Covered by travel insurance
up to €1,000,000 or 100%
I have appendicitis (consultation and surgery)
Cost at Mehiläinen Medical Center
€4,300 (approx. $6,350 CAD)
Covered by travel insurance
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 coveragesExplanations and recommendations
🏥 Medical expensesCovers hospitalizations, doctor’s visits, and urgent medical care.
We recommend a minimum reimbursement limit of $1M CAD.
🚑 Emergency evacuationPays for transportation by ambulance or air if needed.
For Finland, a limit of at least $300K CAD is advised.
✈️ RepatriationCovers costs to return to Canada in case of serious illness or death.
We recommend a reimbursement limit of $300K CAD.
💊 MedicationsIncludes prescription drugs in case of new illness or accident.
Look for coverage up to $25K CAD minimum.
🧳 Luggage protectionReimburses the value of lost, stolen, or damaged baggage.
Recommend coverage up to $3K CAD per trip.
⛷️ Adventure activitiesProtection for injuries from hiking, skiing, or winter sports.
For Finland, ensure up to $100K CAD for active holidays.
🚗 Civil liabilityCovers damages or injury to others due to your actions.
Select a limit of at least $1M CAD for sufficient protection.
❌ Trip cancellationRefunds prepaid expenses if your trip is cancelled or interrupted.
A minimum limit of $6K CAD is recommended.
🏥 Medical expenses
Explanations and recommendations
Covers hospitalizations, doctor’s visits, and urgent medical care.
We recommend a minimum reimbursement limit of $1M CAD.
🚑 Emergency evacuation
Explanations and recommendations
Pays for transportation by ambulance or air if needed.
For Finland, a limit of at least $300K CAD is advised.
✈️ Repatriation
Explanations and recommendations
Covers costs to return to Canada in case of serious illness or death.
We recommend a reimbursement limit of $300K CAD.
💊 Medications
Explanations and recommendations
Includes prescription drugs in case of new illness or accident.
Look for coverage up to $25K CAD minimum.
🧳 Luggage protection
Explanations and recommendations
Reimburses the value of lost, stolen, or damaged baggage.
Recommend coverage up to $3K CAD per trip.
⛷️ Adventure activities
Explanations and recommendations
Protection for injuries from hiking, skiing, or winter sports.
For Finland, ensure up to $100K CAD for active holidays.
🚗 Civil liability
Explanations and recommendations
Covers damages or injury to others due to your actions.
Select a limit of at least $1M CAD for sufficient protection.
❌ Trip cancellation
Explanations and recommendations
Refunds prepaid expenses if your trip is cancelled or interrupted.
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 durationTraveler’s ageIndicative price per person
1 week25 years old$35 CAD
2 weeks45 years old$55 CAD
1 month35 years old$85 CAD
1 month70 years old$170 CAD
Indicative prices for travel insurance based on trip duration and traveler's age.
1 week
Traveler’s age
25 years old
Indicative price per person
$35 CAD
2 weeks
Traveler’s age
45 years old
Indicative price per person
$55 CAD
1 month
Traveler’s age
35 years old
Indicative price per person
$85 CAD
1 month
Traveler’s age
70 years old
Indicative price per person
$170 CAD
Indicative prices for travel insurance based on trip duration and traveler's age.

These prices are indicative and may vary depending on the coverage chosen and the specifics of each insurer.

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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 compare

How 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:

CriteriaWhy it mattersExpert tip
🛫 Length of stayLonger trips result in higher premiums.Buy insurance only for the actual number of days you are in Finland to avoid unnecessary costs.
🎂 Traveller’s ageOlder 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 coverageHigher 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 travelersFamily 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 conditionsDeclaring 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 purchasePrices 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 coverageEurope-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.
🛫 Length of stay
Why it matters
Longer trips result in higher premiums.
Expert tip
Buy insurance only for the actual number of days you are in Finland to avoid unnecessary costs.
🎂 Traveller’s age
Why it matters
Older travelers usually pay more due to health risk profiles.
Expert tip
Compare insurers’ senior rates. Heymondo does not increase its prices for people over 62.
🧳 Level of coverage
Why it matters
Higher coverage limits mean higher premiums, but Finnish healthcare costs can be high.
Expert tip
Select only essential medical and repatriation coverage while keeping limits appropriate for Finland.
👨‍👩‍👦 Number of travelers
Why it matters
Family or group plans can offer prices per person that are cheaper than separate policies.
Expert tip
Look for family or group bundle policies for greater value and administrative ease.
🏥 Pre-existing conditions
Why it matters
Declaring medical conditions raises premiums, especially for chronic issues.
Expert tip
Disclose conditions only if coverage is needed and compare offers for stable, low-risk conditions.
🌐 Timing of purchase
Why it matters
Prices can increase for last-minute purchases or during peak travel seasons.
Expert tip
Purchase your policy as early as possible to get the best rate and more coverage options.
🌍 Region of coverage
Why it matters
Europe-only coverage is less expensive than global insurance if your travel is limited to Finland.
Expert tip
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 insuranceValid in Finland?What it coversWhy Travel Insurance is better
Public health insurance (provincial health plan)Limited coverageUsually 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 insuranceLimited coverageSome 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 coverageMedical 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 coverageMedical 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.
Comparison of different insurance types and their coverage for travel to Finland.
Public health insurance (provincial health plan)
Valid in Finland?
Limited coverage
What it covers
Usually covers emergencies only, max limits about $1,000 CAD, no repatriation or follow-up care.
Why Travel Insurance is better
Travel insurance covers up to $1 million+ CAD, hospital stays, repatriation, and COVID-19 care.
Private health insurance
Valid in Finland?
Limited coverage
What it covers
Some international care, but max benefit typically $50,000–$100,000 CAD, no trip delay or baggage.
Why Travel Insurance is better
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)
Valid in Finland?
Limited coverage
What it covers
Medical emergencies under $15,000 CAD, age and trip length limits, no baggage or trip cancellation.
Why Travel Insurance is better
Travel insurance includes $1 million CAD+ medical, trip cancellation, and baggage coverage.
Premium credit card (Visa Infinite, Platinum Amex, RBC Avion)
Valid in Finland?
Limited coverage
What it covers
Medical cover up to $2 million CAD, strict time limits (15–30 days), basic delay/baggage insurance.
Why Travel Insurance is better
Travel insurance provides full emergency, trip cancellation, hospitalisation, and support 24/7 worldwide.
Comparison of different insurance types and their coverage for travel to Finland.
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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.

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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.

A. Fruchard
A. Fruchard
Insurance expert
HelloSafe
Co-founder of HelloSafe and an experienced entrepreneur in the insurance and personal finance sector, Antoine uses his experience and in-depth knowledge of the market to help Internet users make the right choices. With an MBA in economics, he is a committed expert whose mission is to make personal finance and insurance issues simple and understandable. With a rich career marked by the creation of innovative companies, Antoine's ambition has always been to bring transparency to complex issues and to give power back to consumers. With HelloSafe, he continues to translate this vision by providing accurate advice, impartial comparisons and detailed explanations of travel insurance. He has analysed hundreds of contracts to reveal the best options available on the market.

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