# Travel insurance: Two weeks in Finland, one adult

Indicative premiums from Shenton Insurance Brokers. As of 28 Oct 2026 (Singapore time).

## Assumptions

- One adult aged 18 to 59
- 14 days in Finland, leaving in 30 days
- Single trip, no cruise

## Premiums

Ranked by premium only, lowest first. Commission never affects the order.

| Insurer | Plan | Premium | Excess | As at |
| --- | --- | --- | --- | --- |
| MSIG | TravelEasy Lite | S$46.60 | S$100.00 | 11 Oct 2026 |
| HL Assurance | Travel Assured Plus Basic (no COVID-19 cover) | S$53.20 | S$0.00 | 21 Oct 2026 |
| Sompo | Essential | S$59.40 | S$0.00 | 9 Oct 2026 |
| MSIG | TravelEasy Flex Standard Flex | S$64.00 | S$0.00 | 11 Oct 2026 |
| Etiqa | Tiq Travel Insurance Entry | S$64.80 | S$0.00 | 15 Oct 2026 |
| Great American | Great Travel Insurance Classic | S$68.67 (estimate) | S$0.00 | 17 Oct 2026 |
| Etiqa | Tiq Travel Insurance Entry with COVID-19 add-on | S$69.08 | S$0.00 | 15 Oct 2026 |
| Sompo | Superior | S$72.00 | S$0.00 | 9 Oct 2026 |
| Allianz Travel | Allianz Travel Basic | S$72.80 | S$0.00 | 16 Oct 2026 |
| MSIG | TravelEasy Flex Elite Flex | S$73.40 | S$0.00 | 11 Oct 2026 |
| HL Assurance | Travel Assured Plus Silver | S$75.60 | S$0.00 | 21 Oct 2026 |
| Zurich | Travel Guard Direct Basic | S$80.00 | S$0.00 | 19 Oct 2026 |
| MSIG | TravelEasy Standard | S$89.40 | S$0.00 | 11 Oct 2026 |
| Allianz Travel | Allianz Travel Silver | S$90.80 | S$0.00 | 16 Oct 2026 |
| ERGO | ERGO TravelProtect Essential | S$96.02 | S$0.00 | 24 Oct 2026 |
| HL Assurance | Travel Assured Plus Gold | S$100.80 | S$0.00 | 21 Oct 2026 |
| Etiqa | Tiq Travel Insurance Savvy | S$101.25 | S$0.00 | 15 Oct 2026 |
| MSIG | TravelEasy Flex Premier Flex | S$103.80 | S$0.00 | 11 Oct 2026 |
| Tokio Marine | TM Travel Trust Standard | S$105.00 | S$0.00 | 10 Oct 2026 |
| Etiqa | Tiq Travel Insurance Savvy with COVID-19 add-on | S$107.78 | S$0.00 | 15 Oct 2026 |
| FWD | Premium | S$109.67 | S$0.00 | 15 Oct 2026 |
| Great American | Great Travel Insurance Elite | S$111.18 (estimate) | S$0.00 | 17 Oct 2026 |
| China Taiping | Lite | S$119.00 | S$0.00 | 15 Oct 2026 |
| MSIG | TravelEasy Elite | S$119.80 | S$0.00 | 11 Oct 2026 |
| QBE | Travel Prestige Standard Plus | S$120.00 | S$0.00 | 19 Oct 2026 |
| ERGO | ERGO TravelProtect Standard | S$120.50 | S$0.00 | 24 Oct 2026 |
| FWD | Premium with COVID-19 extension | S$124.74 | S$0.00 | 15 Oct 2026 |
| HL Assurance | Travel Assured Plus Platinum | S$128.00 | S$0.00 | 21 Oct 2026 |
| Liberty | TourCare Plus Standard | S$128.50 | S$0.00 | 19 Oct 2026 |
| Tokio Marine | TM Travel Trust Classic | S$131.00 | S$0.00 | 10 Oct 2026 |
| China Taiping | Economy | S$140.00 | S$0.00 | 15 Oct 2026 |
| EQ Insurance | EQ TravelSafe Basic | S$140.00 | S$0.00 | 19 Oct 2026 |
| Great Eastern | Basic | S$143.00 | S$0.00 | 17 Oct 2026 |
| Allianz Travel | Allianz Travel Platinum | S$144.40 | S$0.00 | 16 Oct 2026 |
| ERGO | ERGO TravelProtect Deluxe | S$145.00 | S$0.00 | 24 Oct 2026 |
| FWD | Business | S$145.00 | S$0.00 | 15 Oct 2026 |
| Etiqa | Tiq Travel Insurance Luxury | S$146.70 | S$0.00 | 15 Oct 2026 |
| Zurich | Travel Guard Direct Enhanced | S$149.00 | S$0.00 | 19 Oct 2026 |
| Tokio Marine | TM Travel Trust Premier | S$150.00 | S$0.00 | 10 Oct 2026 |
| Singlife | Travel Lite | S$150.46 | S$0.00 | 8 Oct 2026 |
| Great American | Great Travel Insurance Ultimate | S$152.60 (estimate) | S$0.00 | 17 Oct 2026 |
| China Taiping | Business | S$155.00 | S$0.00 | 15 Oct 2026 |
| Starr | TraveLead Bronze | S$155.21 | S$0.00 | 19 Oct 2026 |
| Etiqa | Tiq Travel Insurance Luxury with COVID-19 add-on | S$156.15 | S$0.00 | 15 Oct 2026 |
| Chubb | Economy | S$157.50 | S$0.00 | 19 Oct 2026 |
| MSIG | TravelEasy Premier | S$159.40 | S$0.00 | 11 Oct 2026 |
| EQ Insurance | EQ TravelSafe Executive | S$160.00 | S$0.00 | 19 Oct 2026 |
| FWD | Business with COVID-19 extension | S$160.07 | S$0.00 | 15 Oct 2026 |
| Singlife | Travel Lite with COVID-19 add-on | S$171.87 | S$0.00 | 8 Oct 2026 |
| UOI | UniTravel Value | S$173.00 | S$0.00 | 19 Oct 2026 |
| QBE | Travel Prestige Super Plus | S$180.00 | S$0.00 | 19 Oct 2026 |
| Allianz | Travel Protect Silver | S$183.88 | S$0.00 | 12 Oct 2026 |
| Starr | TraveLead Silver | S$185.50 | S$0.00 | 19 Oct 2026 |
| China Taiping | First | S$186.00 | S$0.00 | 15 Oct 2026 |
| Liberty | TourCare Plus Supreme | S$191.50 | S$0.00 | 19 Oct 2026 |
| Etiqa | Tiq Travel Insurance Pre-Ex Entry | S$194.40 | S$0.00 | 15 Oct 2026 |
| Zurich | Travel Guard Direct Supreme | S$196.00 | S$0.00 | 19 Oct 2026 |
| EQ Insurance | EQ TravelSafe Ultimate | S$207.50 | S$0.00 | 19 Oct 2026 |
| FWD | First | S$210.37 | S$0.00 | 15 Oct 2026 |
| Chubb | Business | S$218.50 | S$0.00 | 19 Oct 2026 |
| Great Eastern | Gold | S$221.00 | S$0.00 | 17 Oct 2026 |
| UOI | UniTravel Plus | S$224.00 | S$0.00 | 19 Oct 2026 |
| FWD | First with COVID-19 extension | S$225.44 | S$0.00 | 15 Oct 2026 |
| Singlife | Travel Plus | S$235.43 | S$0.00 | 8 Oct 2026 |
| Starr | TraveLead Gold | S$238.78 | S$0.00 | 19 Oct 2026 |
| Allianz | Travel Protect Gold | S$241.52 | S$0.00 | 12 Oct 2026 |
| MSIG | TravelEasy Pre-Ex Standard | S$242.50 | S$0.00 | 11 Oct 2026 |
| Income | Classic | S$255.47 | S$0.00 | 19 Oct 2026 |
| Singlife | Travel Plus with COVID-19 add-on | S$261.31 | S$0.00 | 8 Oct 2026 |
| Tokio Marine | TM Travel Trust Classic with Pre-Existing Medical Condition cover | S$285.00 | S$0.00 | 10 Oct 2026 |
| Great Eastern | Platinum | S$298.00 | S$0.00 | 17 Oct 2026 |
| Etiqa | Tiq Travel Insurance Pre-Ex Savvy | S$303.75 | S$0.00 | 15 Oct 2026 |
| Income | Deluxe | S$304.29 | S$0.00 | 19 Oct 2026 |
| MSIG | TravelEasy Pre-Ex Elite | S$306.50 | S$0.00 | 11 Oct 2026 |
| UOI | UniTravel Pro | S$311.00 | S$0.00 | 19 Oct 2026 |
| India International | i-Journey Classic | S$311.74 | S$0.00 | 19 Oct 2026 |
| Chubb | First | S$316.50 | S$0.00 | 19 Oct 2026 |
| Income | Enhanced PreX Basic | S$319.49 | S$0.00 | 19 Oct 2026 |
| Tokio Marine | TM Travel Trust Premier with Pre-Existing Medical Condition cover | S$327.00 | S$0.00 | 10 Oct 2026 |
| India International | i-Journey Executive | S$333.54 | S$0.00 | 19 Oct 2026 |
| Singlife | Travel Prestige | S$346.57 | S$0.00 | 8 Oct 2026 |
| Allianz | Travel Protect Platinum | S$359.48 | S$0.00 | 12 Oct 2026 |
| Income | Preferred | S$370.16 | S$0.00 | 19 Oct 2026 |
| Singlife | Travel Prestige with COVID-19 add-on | S$377.43 | S$0.00 | 8 Oct 2026 |
| Income | Enhanced PreX Superior | S$387.07 | S$0.00 | 19 Oct 2026 |
| MSIG | TravelEasy Pre-Ex Premier | S$401.00 | S$0.00 | 11 Oct 2026 |
| Singlife | Travel Lite + Pre-existing Medical Conditions add-on | S$428.37 | S$0.00 | 8 Oct 2026 |
| Etiqa | Tiq Travel Insurance Pre-Ex Luxury | S$440.10 | S$0.00 | 15 Oct 2026 |
| Income | Enhanced PreX Prestige | S$441.34 | S$0.00 | 19 Oct 2026 |
| Singlife | Travel Lite + Pre-existing Medical Conditions add-on with COVID-19 add-on | S$449.78 | S$0.00 | 8 Oct 2026 |
| China Taiping | Business with Pre-Existing Medical Conditions cover | S$465.00 | S$0.00 | 15 Oct 2026 |
| Singlife | Travel Plus + Pre-existing Medical Conditions add-on | S$554.92 | S$0.00 | 8 Oct 2026 |
| China Taiping | First with Pre-Existing Medical Conditions cover | S$558.00 | S$0.00 | 15 Oct 2026 |
| Singlife | Travel Plus + Pre-existing Medical Conditions add-on with COVID-19 add-on | S$580.80 | S$0.00 | 8 Oct 2026 |
| Singlife | Travel Prestige + Pre-existing Medical Conditions add-on | S$773.89 | S$0.00 | 8 Oct 2026 |
| Singlife | Travel Prestige + Pre-existing Medical Conditions add-on with COVID-19 add-on | S$804.75 | S$0.00 | 8 Oct 2026 |

All prices include 9% GST.

These are example prices for the details above. Your own price depends on your answers.

"As at" is the date we read the insurer's published price table. A price with today's date comes from the insurer's live rates.

## Travel insurance for Finland in short

- Cheapest today: MSIG TravelEasy Lite, S$46.60.
- Most insurers price by region: Finland is in their Worldwide band.
- Overseas medical cover on each insurer's cheapest plan runs from S$10,000 to S$350,000.

## How the price changes

| Trip | Lowest price | Insurers |
| --- | --- | --- |
| [3 days, one adult](https://shentonbrokers.com/quote/travel?countries=FI&tripType=single&departDate=2026-11-27&returnDate=2026-11-29&adults=1&children=0) | S$13.60 | 22 |
| [7 days, one adult](https://shentonbrokers.com/quote/travel?countries=FI&tripType=single&departDate=2026-11-27&returnDate=2026-12-03&adults=1&children=0) | S$25.60 | 22 |
| [14 days, a couple](https://shentonbrokers.com/quote/travel?countries=FI&tripType=single&departDate=2026-11-27&returnDate=2026-12-10&adults=2&children=0) | S$93.20 | 22 |
| [14 days, two adults and two children](https://shentonbrokers.com/quote/travel?countries=FI&tripType=single&departDate=2026-11-27&returnDate=2026-12-10&adults=2&children=2) | S$112.80 | 22 |
| A year of trips, Worldwide | S$236.00 | |

## Insurers that exclude Finland

No insurer we compare names Finland in its exclusions.

## Travel notes for Finland

- Emergency numbers: The emergency number in Finland is 112. (source: Ministry of Foreign Affairs Singapore, https://www.mfa.gov.sg/travelling-overseas/travel-advisories-notices-and-visa-information/finland/)
- Singapore's mission: Honorary Consulate-General of Singapore, Planmeca Oy, Asentajankatu 6, Helsinki. Tel +358 20 779 5534, Mon-Thu 10am-12pm. The Ambassador is non-resident, based in Singapore. Emergency +65 6379 8000. (source: Ministry of Foreign Affairs Singapore (overseas missions), https://www.mfa.gov.sg/i-need-help-overseas/find-an-overseas-mission/)
- Medical treatment for visitors: Visitors from outside the EU are entitled to urgent care in Finnish public healthcare but pay all treatment costs themselves. Travel insurance is recommended. (source: EU-healthcare.fi (Kela, Finland's Social Insurance Institution), https://www.eu-healthcare.fi/healthcare-in-finland/falling-ill-when-travelling-in-finland/)
- Weather to plan around: Icy roads are common in Finland. Snow tyres are required from December to February and for as long as roads are icy. Long, dark winter nights reduce visibility, and headlights must be on at all times. (source: Ministry of Foreign Affairs Singapore, https://www.mfa.gov.sg/travelling-overseas/travel-advisories-notices-and-visa-information/finland/)

Checked against each source on 2026-10-19.

## Before you go

- MFA's travel advice and visa information: https://www.mfa.gov.sg/travelling-overseas/travel-advisories-notices-and-visa-information/finland/
- 14 of the 22 insurers exclude claims from a trip made against official travel advice.
- MFA's e-Register: https://eregister.mfa.gov.sg/

Get your own quote with these answers filled in: https://shentonbrokers.com/quote/travel?countries=FI&tripType=single&departDate=2026-11-27&returnDate=2026-12-10&adults=1&children=0

You finish buying on the insurer's own site; the insurer takes payment and issues the policy.

Web page: https://shentonbrokers.com/prices/travel/finland