Tower Hill Travel Insurance
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Visitor Insurance for Finland

Visitor Insurance for Finns Traveling to the USA

Finland's Kela healthcare covers residents at home โ€” not in the USA. One US emergency can generate a bill of $50,000+.

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The Coverage Gap

Finland's Kela Has No Coverage in the United States

Finland's national health system (Kela) provides excellent coverage for Finnish residents โ€” within Finland and under EU agreements. But it has zero coverage in the United States. Finnish tourists, business travelers, and families visiting the USA need dedicated visitor insurance before they board the plane.

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Finland's Kela has no reciprocal health agreement with the USA โ€” Finnish nationals in the US are fully exposed to US medical costs.

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$3,000+
ER Visit
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$11,700/night
Hospital Stay
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$1,500
Ambulance Ride
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$50,000+
Major Surgery

Why Tower Hill

Trusted by 60,000+ International Travelers

We partner with the top A-rated carriers so you get the best coverage, not the highest commission.

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A-Rated Carriers Only

Every plan we offer is from a financially strong, A-rated insurer โ€” IMG, Trawick International, or WorldTrips.

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Compare & Buy in 5 Minutes

No phone calls, no paperwork. Compare plans side-by-side and purchase online. Instant policy documents.

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Coverage in 151 Countries

Whether you're visiting the USA or traveling worldwide, we have a plan designed for your journey.

Our Plans

Compare Top Visitor Insurance Plans

All plans designed specifically for visitors to the USA โ€” covering emergency medical, hospitalization, evacuation, and more.

Most Popular

IMG Patriot America Plus

From $1.10/day
Coverage up to Up to $1,000,000
  • A-rated by A.M. Best
  • Covers acute onset of pre-existing conditions
  • Emergency medical evacuation included
  • COVID-19 treatment covered
  • Deductible from $0โ€“$2,500
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Best Value

Trawick Safe Travels USA

From $1.25/day
Coverage up to Up to $1,000,000
  • Comprehensive emergency coverage
  • 24/7 multilingual assistance
  • Hospital direct billing available
  • Covers acute onset of pre-existing conditions
  • Renewable up to 12 months
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Premium Option

WorldTrips Atlas America

From $1.50/day
Coverage up to Up to $2,000,000
  • Highest coverage limit available
  • Ideal for seniors and longer stays
  • Covers urgent care and telehealth
  • A.M. Best A-rated carrier
  • Flexible deductible options
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Prices vary by age, coverage level, and trip dates. Get an exact quote for your trip.

Common Questions

Frequently Asked Questions

Does Finnish Kela cover me in the USA?
No. Finland's Kela provides no coverage for medical treatment in the United States. You need a dedicated US visitor insurance plan.
Do Finns need a visa to visit the USA?
Finnish citizens can visit the USA for up to 90 days under the Visa Waiver Program (ESTA). An approved ESTA is required before travel.
What coverage do I need for a 3-month trip to the USA?
For a 3-month trip, we recommend a plan with at least $100,000 in medical coverage. Both IMG Patriot America Plus and WorldTrips Atlas America offer coverage for stays up to 12 months.
What is the minimum coverage I should get?
For visits to the USA, we recommend a minimum of $100,000 in medical coverage. US healthcare costs are among the highest in the world, and even a short hospitalization can exceed $50,000.
How do I file a claim if I need medical care?
Call the 24/7 assistance number on your insurance ID card before seeking treatment when possible. For emergencies, go directly to care โ€” your insurer can sort out billing afterward. All major insurers we work with have direct billing relationships with US hospitals.

Visitor Insurance for Other Nationalities

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See all visitor insurance plans โ†’
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Protect Your Trip to the USA

Join 60,000+ travelers who trust Tower Hill for US visitor insurance. Get your personalized quote in under 2 minutes โ€” no commitment required.

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