Travel Insurance for Sweden – Best Options

Written and researched by Michael Kays (Travel Insurance Expert) | Fact Checked by Danya Kristen (Insurance Agent).

Are you gearing up for your upcoming adventure to Sweden, the country known for its minimalist architecture, eco-friendly initiatives, and the birthplace of the IKEA?

Before you start dreaming about meatballs and Northern Lights, there’s one very important piece of the puzzle you need to take care of – your travel insurance!

“But why do I need travel insurance?”, you might wonder.

Simply put, travel insurance is like the seatbelt to your travel journey – you might not always need it, but when you do, you’ll be glad you had it buckled on.

Travel insurance is a safety net that protects you from the various uncertainties that come with traveling, and trust us, there are quite a few!

Be it health emergencies, trip cancellations, lost luggage, or unexpected accidents – travel insurance has your back.

Importance of Travel Insurance for Sweden

Not fully convinced yet? Let’s walk through some reasons why getting travel insurance for your Sweden trip is as essential as packing your passport!

  1. Medical Emergencies: While Sweden has one of the best healthcare systems in the world, it also comes with a hefty price tag for non-residents. Health emergencies can occur at any time, and having travel insurance means you’re financially protected.
  2. Trip Delays and Cancellations: Flights can get delayed or even canceled due to a multitude of reasons. Travel insurance can cover any additional expenses due to these unforeseen circumstances.
  3. Lost or Stolen Belongings: Lost your luggage or had your passport stolen? Travel insurance helps cover the cost of replacing these items.
  4. Trip Cancellation: If you need to cancel your trip due to unforeseen circumstances, travel insurance can save you from a financial loss.
  5. Accidents: Whether you’re planning on skiing in Åre or hiking the Kungsleden, accidents can happen. Travel insurance provides coverage for any accidents or injuries you may encounter.

Recommended Plans

✅ Atlas America

Up to $2,000,000 of Overall Maximum Coverage, Emergency Medical Evacuation, Medical coverage for eligible expenses related to COVID-19, Trip Interruption & Travel Delay.

✅ Safe Travels Comprehensive

Coverage for in-patient and out-patient medical accidents up to $1 Million, Coverage of acute episodes of pre-existing conditions, Coverage from 5 days to 364 days (about 12 months).

✅ Patriot America Platinum

Up to $8,000,000 limits, Emergency Medical Evacuation, Coinsurance for treatment received in the U.S. (100% within PPO Network), Acute Onset of Pre-Existing Conditions covered.

What Does Travel Insurance for Sweden Cover?

When you’re looking for travel insurance, it’s crucial to understand what your policy covers. While the specific details can vary from policy to policy, here are some common things most travel insurance covers:

  • Emergency Medical Expenses: This includes hospital bills, cost of medication, treatment, and even medical evacuation if necessary.
  • Personal Accident: Compensation for death or permanent disability resulting from an accident.
  • Loss or Theft of Personal Belongings: Coverage for loss or theft of baggage, personal belongings, or travel documents.
  • Trip Cancellation or Curtailment: If you need to cancel or cut short your trip due to specific covered reasons, you can recoup the costs.
  • Delayed Departure: Compensation if your flight is delayed for a period specified in the policy.

Best Travel Insurance Options for Sweden

There’s no one-size-fits-all when it comes to travel insurance.

The best policy for you depends on your individual needs and circumstances. That said, here are some options that are popular with travelers:

  1. World Nomads: A favorite among the adventurous, World Nomads provides a comprehensive plan that covers over 150 activities. They also offer 24/7 emergency assistance and coverage for trip cancellation, protection for gear and bags, and emergency medical expenses.
  2. Travelex Insurance Services: Known for their flexibility, Travelex offers custom plans where you can choose the coverage that suits your needs. They also provide excellent customer service.
  3. Allianz Travel Insurance: Their comprehensive plans offer coverage for trip cancellation, travel interruptions and delays, emergency medical, baggage loss and delay, and more.

How Much Does Travel Insurance for Sweden Cost?

The cost of your travel insurance policy will depend on several factors, such as your age, length of your trip, and the type of coverage you want.

As a ballpark figure, a typical travel insurance policy might cost between 4-10% of your total trip cost. But remember, cheaper is not always better – be sure to look for a policy that gives you the coverage you need.

Wrapping Up

Sweden, with its stunning landscapes, rich history, and beautiful cities, promises to be a travel experience you won’t forget. But remember, even the best-laid plans can sometimes go awry. And that’s where travel insurance comes in.

By investing in a good travel insurance policy, you are protecting yourself against the financial risks of unforeseen events.

So, while you are planning your trip around this Scandinavian beauty, don’t forget to safeguard it with travel insurance. After all, your peace of mind is worth every penny!


1. Is travel insurance compulsory for Sweden?

While travel insurance is not compulsory for Sweden, it is highly recommended to safeguard against unexpected events.

2. What should my travel insurance cover?

Your travel insurance should cover emergency medical expenses, personal accident, loss or theft of personal belongings, trip cancellation or curtailment, and delayed departure.

3. How much does travel insurance for Sweden cost?

The cost of travel insurance varies depending on several factors like your age, trip length, and coverage type. Generally, it can cost between 4-10% of your total trip cost.

4. What if I have a pre-existing medical condition?

Many insurers will still cover you, but you may need to pay a higher premium. Always declare any pre-existing conditions when applying for insurance.

5. How do I make a claim?

Most insurance companies require you to call them as soon as possible after the incident. Make sure to keep all relevant documents, such as police reports, receipts, and medical reports, as you will need them when filing a claim.