travel insurance for lapland

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Lapland Travel insurance

Comprehensive Lapland Travel insurance at great prices, with experienced UK-based customer service team.

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Are you planning to witness the Northern Lights or visit Santa Claus Village in Lapland? Regardless of whether you’re planning your trip well in advance or taking a last-minute getaway, one crucial task to take care of beforehand is getting your travel insurance sorted. Amidst all the preparations like booking your vacation time, packing your bags, checking the weather, and planning your activities, it’s easy to forget about travel insurance. However, it’s essential to safeguard yourself, your fellow travelers, and your belongings in case of any unforeseen events. With Loveit Coverit travel insurance, you can rest assured that you’ll be covered, no matter where your travels take you.

Our Travel Guide

Lapland Travel Guide

Lapland Finland is a magical and unique travel destination that offers an unforgettable experience to its visitors. The stunning natural beauty of this region, including its snow-covered forests, frozen lakes, and the Northern Lights, will leave you in awe. Lapland is also home to a rich cultural heritage, with the indigenous Sami people maintaining their traditional way of life and sharing their unique customs and traditions with visitors. From Santa Claus Village to Ranua Wildlife Park, there are plenty of attractions to explore in Lapland. Additionally, Lapland offers an extensive range of exciting activities, making it a perfect destination for adventure seekers. Skiing, snowboarding, and snowshoeing are popular winter sports in Lapland's many ski resorts, while husky sledding and snowmobiling offer exhilarating ways to explore the region's wilderness. If you're looking for a once-in-a-lifetime experience, you can stay in an igloo or a glass-roofed cabin and watch the Northern Lights from the comfort of your bed. Lapland Finland's unique blend of natural beauty, cultural heritage, and adventurous activities makes it a must-visit destination for anyone seeking a truly unforgettable travel experience.

How much does travel insurance cost?

When traveling to Lapland Finland, there are several coverage options available for travelers, each with varying costs. The Essential cover is a budget-friendly option that provides basic coverage, but it may not offer the same level of protection as the Premium Cover. The latter includes additional features like Travel Disruption Cover and Pet Care Cover, providing a higher level of protection. Plus and Premium Policies also have lower standard excesses compared to the Essential Cover.

The cost of your coverage will depend on several factors, such as your health status, the specific region you plan to visit in Lapland Finland, whether you’re traveling solo or with your family, and whether you need coverage for a single trip or the entire year. While selecting the cheapest coverage option may be tempting, it’s essential to make an informed decision that caters to your needs. Opting for a cheaper plan may save you some money initially, but it could result in significant expenses later if you experience an unforeseen emergency.

Main Facts About Finland

How do i know which cover is the right cover.

When planning your trip to Lapland, it’s important to consider all the necessary details before searching for travel insurance. This includes determining whether you’ll be traveling alone, as a couple , with a group , or as a family . Additionally, you should decide whether you require single or annual coverage and whether you’ll be renting a car or participating in any specific activities. It’s also crucial to assess the value of your luggage and the total cost of your trip in case you need to recoup any expenses. By taking all of these factors into account, you can select a policy that provides the adequate coverage you need for your trip.

Your Lapland Bucket list

See the Northern Lights: Lapland is one of the best places in the world to see the Northern Lights, also known as the Aurora Borealis. You can take a guided tour to increase your chances of seeing this natural phenomenon. Visit Santa Claus Village: Located just outside of Rovaniemi, Santa Claus Village is a must-visit for families with children. You can meet Santa Claus, cross the Arctic Circle, and enjoy various winter activities. Go on a husky or reindeer sled ride: Take a thrilling sled ride through the snowy forests of Lapland with a team of huskies or reindeer. Ski or snowboard: Lapland has several ski resorts that offer a variety of slopes for all levels of skiers and snowboarders. Visit an authentic Finnish sauna: Saunas are an essential part of Finnish culture, and Lapland has several authentic Finnish saunas where you can relax and unwind.

Traveller, there are no paths. Paths are made by walking        

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Travel Insurance

Medical travel insurance, seniors travel insurance, europe travel insurance, worldwide travel insurance, coronavirus travel insurance, lapland travel insurance.

• Unlimited medical emergency expenses¹
• Up to £10K cancellation cover
• 24/7 emergency medical helpline

Covered 27 million+ travellers

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Before you buy travel insurance for your holiday to Lapland, there are a few things to think about:

• The cost of your trip – if you have to cancel, it’s important to know that you can get your money back
• The activities you’re likely to be doing – if you’re planning anything really extreme, we can offer you extra cover with our  extreme sports travel insurance
• How much medical coverage you have – no-one wants to think about getting ill or having an accident abroad but, unfortunately, it does happen
• Always check the  latest travel advice for Lapland from the FCDO .

Our Coronavirus Travel Insurance is rated Superior by a leading UK Consumer Champion. All of our policies will cover you if you catch Coronavirus.

What’s covered with our travel insurance to Lapland?

As standard, our policies cover over  50 amazing activities sports and activities , so you can get up to more on your holiday. We also offer a range of benefits, some of which include:

• Medical expenses and hospital benefit
• Personal accident and liability
• Cancelling and cutting short your holiday
• Abandoning your trip
• Delayed departure
• Accommodation cover
• Personal belongings and baggage
• Personal money, passport and travel documents
• Legal expenses

To help you have the best holiday, we’ve put together some useful information that we think you’ll want to know before your trip to Lapland.

Do I need a visa for Lapland?

If you’re a British citizen with a valid passport, then you won’t need to apply for a visa to Lapland. However, if you’re planning on staying for more than three months, then you’ll need to contact the  Finnish immigration service .

Healthcare in Lapland

British citizens should have their free European Health Insurance Card (EHIC) or Global Health Insurance Card (GHIC), which can be used in Lapland. This will cover any necessary treatments you may receive at public healthcare centres or hospitals on your trip. However, it’s important to remember to still have travel insurance in place to be able to cover the costs of any unexpected medical treatment the EHIC/GHIC might not cover, including repatriation costs.

Find more information about  healthcare in Lapland here .

Can you help if I need medical treatment while in Lapland?

Yes – all our policies come with access to our 24-hour emergency assistance team, so there will always be someone here to help you if you become ill or are injured while abroad.

If you need emergency medical assistance just give our team a call any time, day or night. You can find out how to contact our medical emergency team here .

• Unlimited emergency medical expenses available on Black level policies.
• Based on 2,050 responses, correct as of 22/01/2024

Travel Insurance

We consider travel insurance as an essential part of your day or short break. Insurance can be purchased through any provider but please ensure that your policy includes cover for winter sports activities including huskies, snowmobiles and reindeer trips as well as skiing. We also recommend insurance cover for COVID eventualities.

Lapland Travel Insurance

Single trip travel insurance is designed to cover one specific holiday or trip. If you plan to travel more than 2 times per year, our annual multi trip policy may be better value.

We can only cover people up to the age of 85, if you are over this age, you can get cover from our partner Goodtogoinsurance.com. To buy a policy from them online click here , or call them on 0330 024 4478.

An annual multi trip policy can save you money if you travel 2 or more times per year. It also means you won't have to set up a new policy every time you go.

We can only cover people up to the age of 74. If you are over this age you could try our single trip policy which has an age limit of 85. Alternatively, you may get cover from our partner Goodtogoinsurance.com. To buy a policy from them online click here , or call them on 0330 024 4478.

We offer our Globetrotter policy to those looking to travel for between 60 and 365 days on one journey.

We can only cover people up to the age of 65. If you are over this age you could try our single trip policy which has an age limit of 85. Alternatively, you may get cover from our partner Goodtogoinsurance.com. To buy a policy from them online click here , or call them on 0330 024 4478.

Our winter sports policy covers you for a range of activities, on or off-piste (within resort boundaries), whether you are a skier or a snowboarder. Check the policy wording for a full list of the winter sports covered. Adding this cover to annual multi trip policies will cover you for up to 17 days per year.

This includes cover for travel to: England, Scotland, Northern Ireland, Wales and the Isle of Man.

This includes cover for travel to: Aland Islands, Albania, Andorra, Armenia, Austria, Belarus, Belgium, Bosnia-Herzegovina, Bulgaria, Channel Islands (including Guernsey, Jersey, Alderney, Sark and Herm), Chechnya, Croatia, Cyprus, Czech Republic, Denmark (including Faroe Islands), Egypt, Estonia, Finland, France (including Corsica), Georgia, Germany, Gibraltar, Greece (including Greek Isles), Greenland, Hungary, Iceland, Italy (including Aeolian Islands, Sardinia, Sicily), Kosovo, Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Malta, Moldova, Monaco, Morocco, Netherlands, Norway (including Jan Mayen, Svalbard Is), Poland, Portugal (including Azores, Madeira Islands), Romania, Russia (West of the Urals), San Marino, Serbia/Montenegro (including Kosovo), Slovakia, Slovenia, Spain (including Balearic Islands, Canary Islands), Sweden, Switzerland, Tunisia , Turkey, Ukraine, UK Area (Great Britain and Northern Ireland), The Republic of Ireland and Vatican City.

Please note: This policy excludes travel to countries or regions which the Foreign, Commonwealth and Development Office (FCDO) have advised against travelling to. It is recommended that, before travelling, you check the foreign travel advice area provided by the FCDO which can be found at www.gov.uk/foreign-travel-advice .

Travel anywhere in the world. Please note: This policy excludes travel to countries or regions which the Foreign, Commonwealth and Development Office (FCDO) have advised against travelling to. It is recommended that, before travelling, you check the foreign travel advice area provided by the FCDO which can be found at www.gov.uk/foreign-travel-advice .

Travel anywhere in the world, except USA, Canada, Mexico, Caribbean. Please note: This policy excludes travel to countries or regions which the Foreign, Commonwealth and Development Office (FCDO) have advised against travelling to. It is recommended that, before travelling, you check the foreign travel advice area provided by the FCDO which can be found at www.gov.uk/foreign-travel-advice .

For annual multi trip policies, cancellation cover is provided from the selected policy start date. If you require cancellation cover to begin immediately, please select today as the policy start date.

For single trip policies, cancellation cover is provided from when you purchase your policy.

Please select the traveller who you wish to book insurance for. If there is a group of you, please select the Group type of policy.

A couple who are legally married, common-law partners or living at the same address. All limits and excesses are per person irrespective of one or both travelling on the same trip.

A family is considered to be a legally married couple, a common law husband and wife, a single parent or adult couple who have lived at the same address for at least one year and up to 4 children aged under 18 (or up to 22 if in full time education). Under 2s travel free on an Adult or Couple Policy (please select Family, under Type of policy to set this up).

If your group has more than 8 people, please call us at 0800 068 0060.

Please note: All limits and excesses are per person (unless otherwise stated) irrespective of whether travelling on the same trip or individually.

Lapland is among the most popular destinations for Christmas – it’s a place that you can’t miss!

It is the home of santa claus, his reindeer, and the fantastic northern lights. the region is between norway, sweden and finland, and it is known as a territory of amazing beauty. here is your travel guide...and don't forget your holiday insurance.

Lapland is the Christmas holiday destination of choice for many people who are looking to meet Santa and enjoy the snow weather. It’s a vast, awesome wilderness with clear skies and plunging temperatures, so bring plenty of layers and an extremely thick coat - you’ll need them.

Getting to grips where it actually lies geographically is tough and you may need some travel advice; the original semi-nomadic Lapland extends from Norway through  Sweden  and  Finland  to the Russian Kola peninsula. It’s the northernmost region of Finland, if that helps you get your bearings. You know, where people come to hunt for the Northern Lights and Santa (often at once).

The people in Lapland are relaxed and easy-going. This is a country where living healthily comes naturally to people - nearly everyone enjoys winter sports and clean living is the order of the day; and when you live in a small village high on the hills, why wouldn’t you? The character of the place is best explained through the story of the Sámi people, who have been surviving in the barren landscapes of Sámi Land – what we call Lapland – for as long as 4,000 years.

Their ancestors produced the Vikings, who behaved pretty badly as they made their way across most of Europe - but the surviving Sámi ancestors are a peaceful people who are very proud they’ve never been involved in a war. You’re in safe hands!

What to do in Lapland?

Lapland in the summertime:.

In search of Father Christmas and his busy team of elves, experiencing the vast frozen tundra – whether that be aboard a horse-drawn sleigh, husky-sled or strapping on snowshoes and taking on the terrain yourself, Lapland provides a different holiday experience for young, and young at heart.

Don’t be fooled into thinking that Lapland  is only gorgeous in the winter; summer, the excess of light means you’ll always be able to explore the mountains and endless space. The Midnight Sun (the sun doesn’t go down during June and July) will make you feel pretty strange; day and night bleed into one, so you can keep going for as long as your energy lets you.

Norwegian Lapland:

This is a varied region that extends across borders, showcasing hidden wonders as it extends. This area is great for cruising, and is also brilliant for people seeking out natural beauty. There are rocky islands, fjords and peaks made for climbing and hiking; very good for those of you who might be seeking an active holiday.

Sámi culture

The Sámi are the original inhabitants and if you really want to get to know Lapland , it makes sense to make friends with the people who were here first, and know it best. Many of them still work with reindeer to earn their livelihood - for their meat, skins and milk. You’ll experience traditional Lapland dishes, singing and shamanic drumming if you pay them a visit, so make sure you set some time aside to get to know them.

Swedish Lapland

The one thing that can ruin your experience of Lapland are the crowds, especially when you’re trying to watch the Northern Lights or experience nature at its finest. Swedish Lapland in January - is much quieter - and you’ll get a taste for the vast frozen expanse of snow and solitude. January’s also a good time to visit as you’ll get to enjoy the stunning, sapphire-coloured semi-darkness that falls every day; plus, the daytime sunlight makes colours much brighter, so you’re in for a visual feast.

(1) Terms and Conditions apply

Travel like a local

Interesting facts about the region.

Cultural differences and the language :

• There are just over 180,000 people living in Lapland ; the main language spoken is Finnish, followed by Sami and Swedish.
• Of the Sami languages, Northern Sami, Inari Sami and Skolt Sami are spoken in the region.
• Here’s a handy hint; if you're sledding and hear “Varo!”, be alert - this means “Watch out!”.
• Lapland’s population identify strongly with nature, as a) nature can flourish, as the area isn’t hugely built up and b) nature feeds them.
• Their culture is interwoven with nature and the ways they have harnessed it and made a living from it.
• Look out for the traditional Lapp costume, with all its vivid colours.

#DidYouKnow , the number of reindeer in Lapland, roughly equals that of people!  #TravelTuesday pic.twitter.com/vuldp144TS — Columbus Direct (@columbus_direct) 18 December 2018

Shopping and gift buying :

• Lapland is a great place to find locally-made souvenirs which will benefit local people when you buy them.
• The ‘Sámi Duodji’ label shows that products have been made by local Sámi craftspeople.
• So, what’s up for grabs? Keep your eye out for pendants and trinkets carved from reindeer antlers, knitted mittens and reindeer skin slippers.
• The Arctic Circle Mall and Kauppakeskus Sampokeskus are two good places to start if you’d like to bag a few bargains.

Currency and your finances:

• We’re afraid that you’ve got to be pretty well-heeled to enjoy yourself in Lapland; a beer can cost up to £6 and spending a day with a local family can set you back over £120.
• Even a basic lunch will cost you around £7.
• When it comes to getting about, be prepared to dig deep - snowshoes cost £14 a day to hire and a full day husky safari will cost around £140. Better start saving now.
• Oh, and don’t forget that you’ll be using Euros. Purchase them in the UK, as in Lapland you will have no access to  banks/cashpoints.

  Call us on 01494 484800 Open Mon - Fri | 9:00 - 5:30

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LAPLAND TRAVEL INSURANCE

• Travel Insurance for Lapland
• Cover for Emergency Medical Expenses
• Covers Dog sledding and Snowmobiling

Buy your Lapland Travel Insurance in minutes

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Our Lapland Travel Insurance policy options

Put simply, we offer two different policy options…

1. Travel Insurance

Our travel insurance policy not only provides cover for medical and repatriation costs, trip cancellation and curtailment, plus much more, it will also cover you should you be taking part in activity on your trip, such as dog sledding.

2. Travel Insurance Bolt-On

If you have an existing travel insurance policy in place with another provider such as your bank but it does not include cover for taking part in an activity, such as snow snowmobiling, we can provide a bolt-on style of protection for your trip.

Making claims clearer

AVERAGE PAY OUT 

 FOR EACH TRAVEL INSURANCE CLAIM**

OF OUR POLICY HOLDERS

NEEDED TO MAKE A CLAIM**

OUR AVERAGE CLAIMS RATING

ACCORDING TO OUR FEEFO SCORE***

Get an instant quote for Lapland Travel Insurance online

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Why choose us

30 years experience.

We have been providing tailored Sports Insurance policies for over 30 years, and today protect more than 57,000 customers a year.

Professional Claims Handling

We work with leading claims handlers to make sure our customers experience a prompt and professional service when making a claim.

Underwritten by Experts

We’re pleased to offer tailored cover from AXA XL, a leading provider of insurance in the sports and leisure industry.

UK Based Customer Service Team

Our highly experienced Sales team are available to help support you with any questions that you might have.

5-Star Customer Service Rating

Thousands of happy customers have awarded us a 5-star customer service score on the independent feedback platform, Feefo.

500+ Sports Covered

Being a specialist in Sports Insurance, we provide cover for over 500 different sports & activities, far more than other providers.

Do you need winter sports insurance for Lapland?

If you are going on a winter sports trip to Lapland, it is important to make sure you have an insurance policy with the right level of cover.

At SportsCover Direct we have tailored specific winter sports insurance policies which will provide you with the cover a normal travel insurance policy wouldn’t provide. Whether you are going dog sledding, snow mobiling, snow shoeing or reindeer sledding, we can provide a winter sports insurance policy for your trip to Lapland.

What does Lapland Travel Insurance cover?

At SportsCover Direct, we provide a range of winter sports policies for your trip to Lapland. 

Frequently Asked Questions

Standard travel insurance policies do not always cover hazardous activities. Our Sports Travel Insurance is specifically designed to cover over 500 high risk activities such as bungee jumping, skateboarding, ski-acrobatics and many more.

Our Sports Travel Insurance policy provides up to £5,600 worth of equipment cover. This add-on not only protects your own equipment, but also any equipment you hire during your trip. It also covers your dog sledding equipment in transit to and from your destination.

Yes, our Dog Sledding Travel Insurance can generally be taken out even if you have a medical condition. We can almost always offer cover at no extra cost, but occasionally our underwriters may apply special terms if you subsequently needed to make a claim relating to your condition.

You can purchase our Dog Sledding Insurance online up until 74 years old. Above this age, you would need to call us on 01494 484800 and we will be able to refer your quote to our underwriters. Please note, our quotes are based on your age at the start date of cover.

* 10% online discount applies to our Sports Travel Insurance and Activity TopUp policies only. 

** Data relates to Sports Travel Insurance claims from Jan 2023 to Dec 2023 inclusive.

*** Feefo rating relates to Sports Travel Insurance claims review score from Jan 2023 to Dec 2023 inclusive. 

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Life & Travel in the Far North

Lapland travel insurance.