Muista ottaa matkavakuutus ennen matkaa.

Travel insurance

Cover for passengers and luggage
KAMPANJA

A new Act on Travel Service Combinations entered into force - check your cancellation cover

The Act on Travel Service Combinations (former Package Travel Act) entered into force on 1 July 2018. With the new Act, the cancellation cover included in traveller's insurance becomes more important, because tour operators have the right to charge, regardless of the reason, a cancellation fee that corresponds to the losses caused to them.

Our traveller's insurance enables a change in the amount of compensation under cancellation cover. If you have OP’s traveller's insurance, we recommend that you check the amount of compensation under cancellation cover, and change it, if necessary, to meet your needs. You can easily make changes to the amount of compensation in your existing cancellation cover by requesting this online via OP's Internet Service. If you are happy with the cancellation cover of your existing traveller's insurance, no changes are needed. You can check your policy details to see the amount of compensation under cancellation cover.

If you wish, you can also update your existing insurance policy by getting new traveller’s insurance in our webshop. Please note that while your old traveller's insurance policy covered your children under 15 travelling with you, they must be insured separately if you take out new traveller's insurance. After you have purchased a new policy, terminate your previous travel insurance policy at OP’s Internet Service, in the section My policies.

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1

Insured travel, carefree holiday

Our travel insurance compensates not only medical expenses but also medical flights and cancellation of a journey.

2

Travel Emergency Service always there for you

You get help from a single number when abroad, 24 hours a day.

3

Tailorable cancellation cover

As a result of the new Act on Travel Service Combinations (former Package Travel Act), travel insurance becomes more and more important. We will compensate travel cancellation costs regardless of the type of travel up to the maximum compensation.

Travel insurance for yourself and your family

When on holiday, you should forget about your daily troubles and just enjoy yourself. And should there be trouble, Eurooppalainen’s travel insurance is there for you. Traveller's insurance covers, for example, treatment expenses resulting from travel illnesses and accidents without an upper limit or deductible, and expenses caused by cancellation or interruption of a trip. Should a traveller’s health require it, we will also pay for the medical flight to Finland.

If a family travels a lot, each family member, including the children, should have continuous travel insurance. An adult’s travel insurance only covers any child or grandchild under 15 in case of a fixed term policy, that is, one taken for a specific trip.

A medical flight from Thailand may cost up to EUR 150,000.
Matkavakuutus korvaa, jos sairastut matkalla.

Continuous or fixed-term travel insurance

If you travel several times a year, travel insurance that is valid continuously becomes much cheaper than several separate ones. You can buy online any travel insurance for up to 120 days of travel. If you need insurance for a longer period, contact customer service.

You can tailor a continuous policy to your needs, and it will be valid until you turn 100. You can also choose whether it not only covers trips abroad but also domestic travel.

The best travel insurance is the kind that meets your needs exactly. If you only travel occasionally, a fixed-term travel policy taken for each trip is a good and inexpensive option

I value the ease of continuous travel insurance: I do not have to separately purchase insurance for each trip and fill in the required forms. A continuous policy also comes in handy if I opt for a last minute deal – I have much less to prepare before the trip since insurance is already taken care of.

Kristiina Helsinki, Finland

Remember to insure also any luggage and high-risk sports

You are advised to include luggage insurance in your travel insurance, covering your luggage wherever you travel. We compensate, for example, if your luggage is delayed, your camera is broken or your wallet is stolen. 

Travel liability insurance and legal expenses travel insurance are also always incorporated in luggage insurance. General liability insurance provides compensation if, during your journey, you cause loss to others for which you are liable by law. Legal expenses insurance, on the other hand, helps you with legal expenses related to disputed civil cases, criminal cases or non-contentious civil cases.

Travelling is an excellent way to experiencing and trying out new things. However, travel insurance does not automatically cover, for example, competitive sports or high-risk sports; for them, you need to take out an extension. So please contact our customer service if your journey involves, for example, combat sports, parachuting, scuba diving or off-piste skiing.

In focus: Act on Travel Service Combinations (former Package Travel Act) enables higher cancellation fee

The Act on Travel Service Combinations (former Package Travel Act) entered into force on 1 July 2018. With the new Act, the cancellation cover included in traveller's insurance becomes more important, because tour operators have the right to charge, regardless of the reason, a cancellation fee that corresponds to the losses caused to them.

Our traveller's insurance enables a change in the amount of compensation under cancellation cover. If you have OP’s traveller's insurance, we recommend that you check the amount of compensation under cancellation cover, and change it, if necessary, to meet your needs. You can easily make changes to the amount of compensation in your existing cancellation cover by requesting this online via OP's Internet Service. If you are happy with the cancellation cover of your existing traveller's insurance, no changes are needed. You can check your policy details to see the amount of compensation under cancellation cover.

If you wish, you can also update your existing insurance policy by getting new traveller’s insurance in our webshop. Please note that while your old traveller's insurance policy covered your children under 15 travelling with you, they must be insured separately if you take out new traveller's insurance. After you have purchased a new policy, terminate your previous travel insurance policy at OP’s Internet Service, in the section My policies.

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Where can I get a travel insurance card?

We deliver a travel insurance card for continuous traveller's insurance to your home address by post. If your card is lost or broken, you can order a new one from op.fi on your traveller's insurance page. We will send you a new travel insurance card by post within two weeks.

OP-mobile is handy also when travelling: your travel insurance card will readily available electronically in OP-mobile.

For fixed-term traveller's insurance, the insurance policy qualifies as proof of valid traveller's insurance.

How can I get a certificate of travel insurance for a visa?

If you a travelling to a country for which a visa is required, the certificate of travel insurance does not have to include the insurance company’s stamp or signature, so you can print out the certificate right away from the Internet Service at: Insurance ‒ Traveller's insurance ‒ Order certificate of travel insurance for a visa. Alternatively, you can order it to be delivered by post to your home address free of charge.

Owner-customer benefits

If you are our owner-customer and have policies from three product lines, you are entitled to an almost 10% discount on most policies and a discount of nearly 18% on comprehensive motor vehicle insurance with no-claims bonus. If you are aged between 18 and 27, you can get a 21% discount on almost all home and family insurance policies.

Other benefits

  • A 40% increase in the sum insured under life insurance
  • 200-euro benefit of the deductible under MyHome Insurance
  • one-year, free-of-charge life insurance for parents with a child under one year of age

OP bonuses

Owner-members not only get OP bonuses for home, family and vehicle insurance premiums, but also for

  • loans
  • savings and investments
  • funds in accounts
  • purchases you have paid with OP-Visa credit.

OP bonuses are used for the bank’s service charges and insurance premiums.

The insurance is issued by Eurooppalainen Insurance Company Ltd. OP cooperative banks are acting as Eurooppalainen Insurance Company’s representatives.