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June 26, 2026
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Trygg-Hansa Editor's pick
Car & home bundles
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Major Swedish insurer offering car, home, health, and travel policies with strong digital tools.
- Mobile app
- Online claims
- 24/7 support
Gjensidige
Straightforward policies
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Nordic insurer with solid car and home products and straightforward online purchase flow.
- Digital-first
- Online claims
- Mobile app
Allianz
International coverage
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Global insurer with Swedish operations covering travel, liability, and commercial risks.
- English service
- 24/7 support
- Expat-friendly
AXA
Expats & travellers
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International brand offering travel, health, and business insurance for globally mobile customers.
- English service
- Expat-friendly
- 24/7 support
Gouda
Expat health & travel
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Expat-focused insurer for travel, health, and international assignments in Sweden.
- Expat-friendly
- English service
- 24/7 support
Euro Accident
Accident protection
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Accident and health specialist with group policies and individual injury cover.
- Online claims
ICA Försäkring
ICA member discounts
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Retail-backed insurer with bundled discounts for ICA customers on car and home cover.
- Mobile app
Zurich
Corporate risks
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Global insurer serving corporate and high-net-worth clients with complex risk needs.
- English service
- 24/7 support
AIG
Specialty commercial
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International insurer for travel, liability, and specialty commercial coverage.
- English service
- Expat-friendly
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What Travel Insurance Covers
Swedish travel insurance policies — known as reseförsäkring — typically bundle several types of protection into a single product. Core coverage areas include:
- Medical expenses abroad — emergency treatment, hospitalisation, prescription costs, and in serious cases, medical evacuation or repatriation
- Trip cancellation and interruption — reimbursement when a trip is cancelled or cut short due to illness, bereavement, or other covered events
- Baggage and personal belongings — compensation for lost, stolen, or damaged luggage
- Travel delay — costs arising from significant flight or transport delays
- Personal liability — coverage if you accidentally injure someone or damage property while travelling
- Legal assistance — help with legal costs if you face a dispute abroad
Higher-tier policies extend this to adventure sports, rental car damage, and business equipment. Always read the policy wording carefully — exclusions for pre-existing conditions, high-risk activities, and alcohol-related incidents are common across Swedish providers.
How Swedish Home Insurance Relates to Travel
One feature that surprises many newcomers is that standard Swedish home insurance (hemförsäkring) often includes a basic travel insurance component. This built-in travel cover typically applies for trips up to 45 days and provides emergency medical assistance, baggage protection, and some cancellation coverage. It is not a full substitute for a dedicated travel policy, but it means residents with active home insurance are not travelling completely unprotected.
The limitations matter, however. Built-in travel cover through home insurance usually has lower benefit limits, may exclude certain destinations or activities, and often lacks the comprehensive cancellation and interruption protection found in standalone policies. If you travel frequently, stay abroad longer than 45 days, or engage in activities like skiing or diving, a separate travel policy is the more reliable choice.
The European Health Insurance Card and Its Limits
Swedish residents — including EU/EEA citizens registered in Sweden — are entitled to a Swedish European Health Insurance Card (EU-kort). This card gives you access to state-provided healthcare in other EU/EEA countries at the same cost as local residents. It is free to obtain through Försäkringskassan and is a useful baseline when travelling within Europe.
However, the EHIC is not a replacement for travel insurance. It does not cover:
- Private healthcare (which may be the only practical option in some countries)
- Medical evacuation or repatriation to Sweden
- Trip cancellation, baggage loss, or travel delay
- Travel outside the EU/EEA
For travel to the United States, Canada, Australia, or anywhere outside the European zone, private travel insurance is essential. Medical costs in the US in particular can reach tens of thousands of dollars for even a short hospitalisation.
Annual vs. Single-Trip Policies
Swedish insurers offer both single-trip and annual multi-trip policies. For anyone who travels more than two or three times per year, an annual policy is almost always better value. Annual policies cover all trips within a 12-month period, subject to a maximum duration per trip — typically 30, 45, or 60 days depending on the insurer.
Single-trip policies suit occasional travellers or those taking one long journey that exceeds the annual policy’s per-trip duration limit. They are also worth considering for high-value trips where you want to ensure the cancellation coverage matches the actual cost of the holiday.
Travel Insurance for Families and Children
Most Swedish insurers allow children to be added to a family travel policy at low or no additional cost. This is a practical option for families, but it is worth checking whether the children’s coverage limits match those of the adults on the policy. Some families choose to supplement this with dedicated child insurance, which provides broader protection across all areas of a child’s life — not just when travelling.
Travel Insurance and Pre-Existing Medical Conditions
Pre-existing conditions are one of the most common sources of claim disputes in travel insurance. Swedish policies vary significantly in how they handle this. Some insurers exclude all conditions that existed before the policy was taken out; others will cover stable pre-existing conditions if declared at the time of purchase, sometimes for an additional premium.
If you or a travelling family member has a chronic condition — diabetes, heart disease, asthma, or similar — it is critical to declare this honestly when applying. Failure to disclose can void a claim entirely. If standard policies exclude your condition, specialist insurers do exist that cater specifically to travellers with medical histories.
Business Travel and Employer Coverage
Many employers in Sweden provide travel insurance for business trips as part of their standard employment package. This is particularly common in larger companies and public sector organisations. If you travel for work, check with your HR department before purchasing a separate policy — you may already have solid coverage for business-related journeys.
However, employer-provided travel insurance typically only applies when you are travelling on company business. Personal trips, even if taken immediately before or after a business trip, are usually excluded. For frequent business travellers who also travel privately, a personal annual policy that complements employer coverage is a sensible approach. Those who are self-employed should look at business insurance packages that can include business travel as a component.
What to Look for When Comparing Policies
Not all travel insurance products are equal. When evaluating options from Swedish providers, focus on these key variables:
- Medical coverage limit — a minimum of 1–2 million SEK is advisable; higher if travelling to the US
- Cancellation limit — should reflect the total cost of your most expensive potential trip
- Excess/deductible — the amount you pay out of pocket per claim; lower excess means higher premiums but less financial exposure when claiming. Understanding how deductibles work helps you choose the right balance
- 24-hour emergency assistance — confirm the insurer operates a round-the-clock emergency line with English-language support
- Geographical scope — ensure your destinations are covered, including any transit countries
- Activity exclusions — check whether skiing, hiking, water sports, or other planned activities are covered or require an add-on
Reviewing multiple insurance companies operating in Sweden is the best way to find a policy that matches your specific travel profile and budget.
Travel Insurance vs. Health Insurance
Expats who hold private health insurance in Sweden sometimes assume it covers them abroad. This is rarely the case. Swedish private health insurance is designed for use within Sweden’s healthcare system and does not typically extend to emergency treatment in other countries. Travel insurance fills this gap for short-term trips, while international health insurance is the relevant product for those living and working across multiple countries. For a clearer picture of how these products interact, see our guide on how international health insurance works.
Making a Claim
If you need to make a claim on a Swedish travel insurance policy, the process generally involves:
- Contacting the insurer’s emergency assistance line as soon as an incident occurs — do not wait until you return home for medical emergencies
- Keeping all receipts, medical reports, police reports (for theft), and documentation of expenses
- Filing the claim online or by post within the timeframe specified in your policy — typically 30 to 90 days after the incident
- Providing proof of travel (booking confirmations, boarding passes) alongside the claim documentation
Swedish insurers are regulated by Finansinspektionen, and you have the right to escalate disputes to the Swedish National Board for Consumer Disputes (ARN) if a claim is handled unfairly.
Accident Coverage While Travelling
Travel insurance medical coverage focuses on illness and injury abroad, but it is worth noting that dedicated accident insurance provides a complementary layer of protection. Accident insurance pays out a lump sum in the event of permanent disability or death caused by an accident — including accidents that occur while travelling. Many Swedish residents hold accident insurance year-round rather than only when abroad, providing consistent protection regardless of location.
Does Swedish home insurance include travel insurance?
Yes, most standard Swedish home insurance policies include a basic travel insurance component, typically covering trips up to 45 days. This usually includes emergency medical expenses, baggage protection, and limited cancellation coverage. However, the benefit limits are lower than standalone travel policies, and frequent travellers or those taking longer trips should consider a dedicated travel insurance product.
Is the European Health Insurance Card enough when travelling in Europe?
The EHIC gives you access to state healthcare in EU/EEA countries at local resident rates, but it does not cover private treatment, medical repatriation, trip cancellation, or baggage loss. It is a useful supplement to travel insurance but should not be relied on as a standalone solution. For travel outside the EU/EEA, private travel insurance is essential.
Can I get travel insurance in Sweden if I have a pre-existing medical condition?
Yes, but you must declare any pre-existing conditions when applying. Some insurers will cover stable conditions for an additional premium; others exclude them entirely. Failing to declare a condition can result in a claim being rejected. If standard policies do not cover your situation, specialist insurers offer products designed for travellers with medical histories.
What is the difference between an annual and a single-trip travel insurance policy?
An annual policy covers all trips taken within a 12-month period, up to a maximum duration per trip (commonly 30–60 days). It is cost-effective for anyone travelling more than two or three times per year. A single-trip policy covers one specific journey and is better suited to occasional travellers or those taking a trip that exceeds the annual policy’s per-trip duration limit.
Does my employer’s travel insurance cover personal trips abroad?
No. Employer-provided travel insurance in Sweden applies only to business travel. Personal trips — even those taken immediately before or after a business trip — are typically excluded. If you travel for both work and leisure, a personal annual travel policy that runs alongside your employer’s coverage is the most complete solution.