Muista ottaa matkavakuutus ennen matkaa.

Travel insurance

Cover for passengers and luggage

Insured travel, carefree holiday

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

Travel Emergency Service always there for you

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

Owner-customer benefits

As an owner-customer, you will get a discount on your policies and also receive OP bonuses.

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.

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 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
  • 150-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.