What travel insurance do I need when visiting Finland?

Travel insurance: the trouble-free way to prepare for your journey to Finland

Helsinki, Oulu, Kitee, and Loviisa are just a few of the cities or towns that attract people to this incredibly beautiful - if sometimes cold - Scandinavian country. Located in the north of Europe, Finland is an intriguing, outward-looking nation that is welcoming to visitors and is packed full of beautiful forests and lakes. With a Schengen Visa, you will be able to travel in complete freedom and stay in Finland long enough to appreciate all of its unmissable riches and attractions. The capital of Helsinki is always worth a visit too - especially for those keen on enjoying the nightlife.

Which countries can I visit with Schengen travel insurance?

Important formalities

In order to move between the 25 countries of the Schengen Area, or even just to travel around Finland itself, third-country nationals from countries without a visa-free arrangement will require a Schengen Visa. Your visa request will be carried out in the country through which you will be entering the Schengen Area. For example, this could be France, Germany, Estonia or Finland.

When applying for your Schengen Visa, you will have to explain the reason for your visit (recreation, study, work, etc.), provide supporting documents including proof of identity, as well as give evidence of travel insurance. Follow the links below to find out more: (English) um.fi/visa-to-visit-finland (Finnish) um.fi/visum-till-finland

Travel insurance for Finland that allows you to obtain your Schengen Visa

For third-country nationals who require a visa to travel to Finland, it is possible to do so with a Schengen Visa. In order to obtain a Schengen Visa, you must apply to the embassy and provide documents including passport photographs as well as accommodation and travel information. This visa will enable you to move around many European countries in complete freedom during a stay of up to 90 days. Schengen travel insurance will also be required - it must be able to cover costs of repatriation and emergency medical expenses up to a minimum of €30,000. Evidence of travel insurance for Finland will be requested upon issuance of your visa.

As well as enabling you to obtain a visa, travel insurance may prove very useful in the event of an accident or illness. You can also combine it with specific coverage options. For instance, care for children under the age of 18, assistance with sending urgent messages, or the advance emergency return of the insured party. This will mean you will be able to travel with full peace of mind and take full advantage of your stay.

Do you cover emergency medical costs related to Coronavirus?

We will cover your medical costs related to Coronavirus provided you haven't travelled against World Health Organisation or any other government body’s advice (Ministry of Foreign affairs or Department of State in the U.S.) in your home country or the country you are travelling to) or medical advice.

The embassy states that I must get an insurance certificate with Covid protection. Is this possible?

All issued electronic certificates purchased on the axa-schengen site include this disclaimer: “Medical fees related to COVID-19 are covered in the terms, conditions & exclusions established in the insurance policy”.

How to get to Finland

By plane: most flights land at Helsinki-Vantaa Airport, but other international airports can be found in Tampere, Turku, and Oulu. In winter, charter flights also go to Lapland. Both regular and low-cost flights serve Finland from Paris, Berlin, and Brussels, among other cities. Allow around three hours to fly from France and 1 hour 50 minutes from Germany.

By boat: Finland can be reached by ferry from Denmark, Germany or Sweden.

Advice on health and vaccinations

There are no compulsory vaccinations for visiting Finland. Nevertheless, it is recommended that you be vaccinated against hepatitis B, diphtheria, tetanus and polio, as well as tick-borne encephalitis, especially if you are planning walks in the countryside during spring or summer.


Finland has a cool, temperate climate. In winter, it regularly drops to -30 degrees Celsius in Lapland. This is a long season here; between five months in the south of the country and seven months in the north. During the summer it can be very hot; up to 30 degrees Celsius in some regions. But remember to keep yourself covered up in the evening, as the temperature can fall rapidly.

In Utsjoki, there is a period of seven weeks of polar night between 26 November and 17 January when the sun doesn’t rise above the horizon. On the other hand, to see the midnight sun you will need to visit the same town between 17 May and 27 July.

Discover Finland

Finland is a large country that you’ll have to devote sufficient time to. To travel freely between Helsinki and Lapland via the south of the country, you are advised to rent a car :

  • Helsinki. The Finnish capital allows you not only to discover Scandinavian cuisine but also to go in search of landmarks like the Helsinki cathedral, the Sibelius Monument, and the aquarium, among others. The numerous shops will appeal to lovers of retail, while the city’s varied architectural styles will fascinate visitors too.
  • Meet Santa Claus in Lapland. Located in the very north of Finland, Lapland is a favored destination for any visitor. As a family, you will be able to visit Santa’s village, as well as enjoy sports like snowmobiling, snowshoe hiking, and skiing. It’s a perfect area for nature lovers and, of course, to observe the Aurora Borealis (northern lights).
  • Hiking enthusiasts will love Finland. While Lapland, in particular, is home to various national parks (Pyhä-Luosto, Urho Kekkonen, Lemmenjoki, Pallas-Yllästunturi), you will also enjoy the surroundings of the Oulanka National Park in the east.
  • For forest strolls and diving into great lakes in the summer, the places to be are Lake Inari and Saimaa. Don’t forget your tent and insect repellent.

Ensuring your Safety

Finland is a safe country. However, in its cities, it is recommended that you exercise caution with regards to pickpockets, especially around the stations and in tourist areas.

Practical information

It is very easy to make yourself understood in Finland if you speak English, as everybody has a good command of the language, especially in the big cities.

Most shops stay open until 6pm or even 8pm during the week in major cities. Hypermarkets generally close their doors around 9pm.

In the spring and summer, it is advised that you carry insect repellent, especially for walks in the countryside. These products can be easily found in the country’s shops.

Most countries’ embassies will be in Helsinki. Check to see where the embassy/consulate of your home nation is before leaving in case you need to visit in an emergency.

Finland’s currency is the Euro.

There is a zero-tolerance policy regarding drink-driving. The legal limit is zero.

Large commercial centers are open every day from 10am to 9pm. Shops in the towns are generally open on weekdays between 10am and 7pm, and on Saturdays from 10am to 5pm.

How can AXA help?

AXA can help by providing you with Low Cost Schengen Area travel insurance that meets your visa requirements when traveling to Finland from as little as €0.99 per day - a fee that will cover you for medical expenses up to €30,000 in all Schengen countries. A certificate proving you are insured will be available immediately, meaning you can get on with your application.

AXA is the number one brand and offers assistance 24/7, as well as other options and tailor-made products. Other coverage available includes our Europe Travel insurance, costing €1.50 per day, or the Schengen Multi Trip insurance, perfect for regular travelers, available for €298.

The other countries of the Schengen area

Austria travel insurance

Belgium travel insurance

Czech Republic travel insurance

Denmark travel insurance

Estonia travel insurance

Finland travel insurance

France travel insurance

Germany travel insurance

Greece travel insurance

Hungary travel insurance

Iceland travel insurance

Italy travel insurance

Latvia travel insurance

Liechtenstein travel insurance

Lithuania travel insurance

Luxembourg travel insurance

Malta travel insurance

Netherlands travel insurance

Norway travel insurance

Poland travel insurance

Portugal travel insurance

Slovakia travel insurance

Slovenia travel insurance

Spain travel insurance

Sweden travel insurance

Switzerland travel insurance

Frequently asked questions about travel insurance for Finland

Will my travel insurance cover repatriation if I get injured?

Yes. AXA’s insurance will cover your repatriation in case of injury or illness.

Will my travel insurance fees be refunded if my visa is refused?

Yes. If your visa is refused AXA will refund your insurance fees. But you must provide documentation as to why your visa was refused.

Can I travel to Romania or Bulgaria with my Schengen Visa?

AXA’s Low Cost insurance does not provide coverage for these countries as they are currently outside of the Schengen Zone. However- more bespoke options may do.