Travel Insurance is designed to protect aspects of your health, belongings and your investment in your trip.

Yes. This travel insurance does not cover pre-existing medical conditions (A pre-existing medical condition is a medical condition or any illness related to a medical condition which you or your companions knew about when purchasing this insurance) and excludes comparatively high-risk activities. For a complete listing of exclusions and limitations, please refer to the General conditions and General exclusions as shown on the Policy Document. 

To take advantage of 24-hour emergency assistance, all you need is your policy number and the 24-hour medical emergency number. Although you do not need to carry proof of coverage for coverage to be in effect, some foreign medical providers may wish to see documentation.

A family is defined as an individual and his or her partner (provided they have lived together for 6 months or more) and their dependent children who are aged under 18 at the date you buy this policy.

Unlike many multi-trip policies, this Annual Frequent Traveller policy does provide cover for insured Adults travelling independently. However children must be accompanied by an insured Adult named in the policy.

This website will link you to the Policy Document. Although you do not have to carry a copy of the Policy Document in order for coverage to be in effect, it is suggested that you do so for handy reference.

The Trip Cancellation protection will become effective immediately upon purchasing your insurance. The remaining coverage and services provided will take effect when you leave your home for this trip. All coverage and services will terminate when you return to Finland or at the end of the period shown on your policy, whichever is earlier.

Yes, your policy does not cover any trip in, to or through the following countries: Cuba, Iran, Syria, Sudan or the Crimea region.

No. You may receive a reimbursement if you cancel for a covered reason as outlined in the Policy Document. Covered reasons include, but are not limited to, such unforeseen emergencies as illness, injury or death of you, your travelling companion and/or an immediate family member. Pre-existing conditions are not covered.

If this insurance does not meet your need, please contact us by email travelguardfinland@aig.com. If policy is valid 30 – 90 days, we will refund the payment for the insurance if it is cancelled by writing, cancelled before the departure and no claims application made.

Whilst travelling and in case of emergency, please contact our emergency service. Our professional staff is there to help you in English, Swedish and Finnish 24/7 every day of the year. 

          

Emergency Service – SOS International AS 

Tel: +45 7010 5054 dWhilst travelling and in case of emergency, please contact our emergency service. Our professional staff is there to help you in English, Swedish and Finnish 24/7 every day of the year. 

          

Emergency Service – SOS International AS 

Tel: +45 7010 5054  

Every effort is made to ensure you receive a high standard of service. If you are not satisfied with the service you have received, please contact:

 

In relation to sales and administration matters:

AIG Customer Services Manager,

AIG Europe S.A. (Finland)

Kasarmikatu 44, 0130 Helsinki, Finland.

Phone: + 358 203 50550

E-mail: travelguardfinland@aig.com

 

In relation to claims matters:

AIG Claims Manager,

AIG Europe S.A. (Finland)

Kasarmikatu 44, 0130 Helsinki, Finland.

E-mail: travelguardfinland@aig.com

 

To help us to deal with your comments quickly, please quote your policy schedule/ claim number and the policyholder/insured person's name.

 

Alternative Dispute Resolution of consumer complaints

The Finnish Financial Ombudsman Bureau (www.fine.fi) provides free of charge advice in issues related to insurance contracts. The Finnish Financial Ombudsman Service and Insurance Complaints Board give also recommendations for dispute resolution.

You can also contact Consumer Advisory Service (www.kuluttajaneuvonta.fi), that provides information on consumer rights, and mediation assistance in disputes. Also the Consumer Disputes Board (www.kuluttajariita.fi) gives recommendations for dispute resolution. You should always contact Consumer Advisory Service before taking the issue to the Consumer Disputes Board.

 

If you wish to make a complaint about an insurance policy purchased online you may be able to use the European Commission’s Online Dispute Resolution platform .