
Allianz Travel Travel insurance (Klm Comprehensive)
Underwritten by AGA International SA (Allianz Global Assistance Europe) · Sweden
travel insurance from Allianz Travel for the Sweden market, with online purchase and 24/7 assistance.
Verified Aug 31, 2026 · Terms dated 2024Sources
Unique selling points
Insurance quotes are tailor-made to the traveler's specific KLM flight booking and trip plans.
The Comprehensive plan bundles trip cancellation, emergency medical expenses, baggage, and travel delay cover into a single policy purchasable directly at KLM ticket booking.
Emergency medical and dental expenses abroad are covered up to €300,000 per person.
A 24-hour emergency medical assistance service organizes and directly pays hospitals for hospitalization abroad.
Coverage can still be added via My Trip up to 24 hours after completing a KLM ticket booking.
Coverage limits
Medical Expenses
€300K
Reimbursement of emergency medical treatment costs for which the insured is responsible while abroad, up to €300,000 per person
Section: KLM Comprehensive Coverage Summary
Reimbursement of medical expenses for which you are responsible Organization and payment for hospitalization Maximum sublimit for Dental Care – 300 € per person 300.000 € per person
Emergency Medical Treatment
€300K
Covers emergency medical treatment abroad up to €300,000 per person, part of the overall Emergency Medical/Dental coverage limit
Section: KLM Comprehensive Coverage Summary
Emergency Medical/Dental Coverage You have to pay for emergency medical or dental treatment while on your trip.
Hospitalization
€300K
The insurer organizes and pays for hospitalization abroad, within the €300,000 per person Emergency Medical/Dental limit
Section: KLM Comprehensive Coverage Summary
Organization and payment for hospitalization Maximum sublimit for Dental Care – 300 € per person
Outpatient Treatment
€300K
Outpatient emergency medical treatment abroad is covered within the €300,000 per person Emergency Medical/Dental limit
Section: DESCRIPTION OF COVERAGES > F. EMERGENCY MEDICAL/DENTAL COVERAGE ABROAD
we will reimburse the reasonable and customary costs of that care for which you are responsible, up to the maximum benefit listed for emergency medical/dental coverage in your Coverage Summary
Emergency Dental Care
€300
Emergency dental treatment abroad is covered up to a maximum sublimit of €300 per person
Section: KLM Comprehensive Coverage Summary
Maximum sublimit for Dental Care – 300 € per person
Medical Transport
Covered
Emergency transportation following a medical emergency abroad is covered, including accommodation during transport to bedside (up to 7 nights, max €50/night) and return of dependents at cost
Section: KLM Comprehensive Coverage Summary
Sublimit Accommodation Transport to Bedside – 7 nights at max. 50 €/night Return of Dependents At cost
Medical Evacuation
Covered
Emergency evacuation and medical repatriation are covered when transportation is needed following a medical emergency during the trip
Section: KLM Comprehensive Coverage Summary
Emergency Evacuation Medical Repatriation
Repatriation of Remains
Covered
Repatriation of remains or funeral expenses is listed as a covered benefit; the exact monetary limit is not stated in the reviewed section of the document
Section: KLM Comprehensive Coverage Summary
Repatriation of Remains or Funeral expenses Search and Rescue sublimit – 1.500 € per person
Search & rescue
€1.5K
Search and rescue costs are covered under the Emergency Transportation Coverage, with a sublimit of €1,500 per person, per KLM's own coverage summary.
Section: KLM Comprehensive Coverage Summary > Emergency Transportation Coverage
Repatriation of Remains or Funeral expenses Search and Rescue sublimit – 1.500 € per person
Pre Existing Conditions
Conditional
Allianz Partners (AWP P&C S.A. – Dutch Branch) KLM travel insurance excludes pre-existing medical conditions: any illness, injury or medical condition that, within the 180 days before the policy's purchase date, caused the insured to seek medical examination, diagnosis, care or treatment, presented symptoms, or required doctor-prescribed medication.
Section: DEFINITIONS > Pre-existing medical condition
An injury, illness, or medical condition that, within the 180 days prior to and including the purchase date of this policy: 1. Caused a person to seek medical examination, diagnosis, care, or treatment by a doctor; 2. Presented symptoms; or 3. Required a person to take medication prescribed by a doctor (unless the condition or symptoms are controlled by that prescription, and the prescription has not changed).
24/7 Assistance
Covered
A 24-hour emergency medical service must be contacted when hospitalized, requiring repatriation, or where medical fees are likely to exceed €300
Section: CLAIMS INFORMATION
Always contact our 24-hour emergency medical service when you are hospitalised, require repatriation or where medical fees are likely to exceed € 300.
Key conditions
Assistance call deadline
You must always contact the 24-hour emergency medical service when hospitalized, requiring repatriation, or where medical fees are likely to exceed €300
Unauthorized treatment
Not specified in the reviewed documents
Purchase while abroad
Not specified in the reviewed documents
Chronic conditions
Not specified in the reviewed documents
Pregnancy
Not specified in the reviewed documents
Pre-existing condition exclusions
Pre-existing medical conditions are excluded: any illness, injury or medical condition for which, within the 180 days before the policy was purchased, the insured sought medical examination, diagnosis, care or treatment, presented symptoms, or required doctor-prescribed medication.
SourcePage 8Section: DEFINITIONS > Pre-existing medical condition
An injury, illness, or medical condition that, within the 180 days prior to and including the purchase date of this policy: 1. Caused a person to seek medical examination, diagnosis, care, or treatment by a doctor; 2. Presented symptoms; or 3. Required a person to take medication prescribed by a doctor (unless the condition or symptoms are controlled by that prescription, and the prescription has not changed).
Coverage duration limit
Not specified in the reviewed documents
Direct payment
The insurer organizes and pays directly for hospitalization costs incurred abroad
Territorial scope
Available to private individuals resident in Sweden booking one or more flight tickets on the KLM website for travel to any KLM destination
Documents
Policy specifics
Trip Cancellation
Coverage for non-refundable trip costs if you must cancel before departure for a covered reason
SourcePage 1Section: KLM Comprehensive Coverage Summary
Trip Cancellation Coverage You have to cancel your trip before you depart.
Trip Interruption
Coverage if trip is interrupted or must be ended early due to covered incident; reimburses prorated unused costs and additional transportation/accommodation expenses
SourcePage 1Section: KLM Comprehensive Coverage Summary
Trip Interruption Coverage Your travel plans are interrupted while you are on your trip.
Travel Delay
Coverage for expenses during travel delays; maximum reimbursement for 24-hour period of delay with receipts
SourcePage 1Section: KLM Comprehensive Coverage Summary
Travel Delay Coverage Your travel plans are delayed while you are on your trip. Maximum reimbursement for 24-hour period of delay: “With Receipts Daily Limit” – 100 € per person
Emergency Medical/Dental Expenses
Coverage for emergency medical or dental treatment incurred during trip abroad for accident or unexpected illness
SourcePage Page 1Section: WHAT IS INSURED? > Emergency Medical/Dental expenses and Emergency Transportation Coverage
Which events are insured? ✓ Illness, injury or medical condition during travel What will be reimbursed? ✓ Costs for necessary (in- or out-patient) treatment provided by a doctor or in a hospital
Emergency Transportation
Coverage for emergency medical evacuation or repatriation if medical treatment not available at trip destination
SourcePage Page 1Section: WHAT IS INSURED? > Emergency Medical/Dental expenses and Emergency Transportation Coverage
Costs for emergency transportation and medically advisable and justifiable medical repatriation
Baggage Insurance
Coverage for lost, stolen, delayed or damaged baggage during trip
SourcePage Page 1Section: WHAT IS INSURED? > Baggage Insurance and Baggage Delay Insurance
Damage / theft of luggage ✓ Baggage delay by at least 12 hours (outbound journey only)
Coverage Area Restrictions
Policy excludes coverage in war zones and sanctioned countries; cancellation covered in country of residence, other guarantees in country(ies) of destination
SourcePage Page 2Section: WHERE AM I COVERED?
Cancellation is covered in the country of residence of the insured. For the other guarantees the insured is covered in the country(ies) of destination. Cover cannot be provided in war zones or in sanctioned countries listed as excluded by the insurer.
Maximum Trip Duration
Travel insurance coverage is limited to trips not exceeding 62 consecutive days per policy period
SourcePage Page 1Section: WHAT IS NOT INSURED? > Applicable to all covers
The travel insurance cannot cover trips exceeding 62 consecutive days
Purchase Timing Requirement
Insurance must be purchased at time of KLM flight booking; full premium must be paid on or before departure date and before leaving primary residence
SourcePage 13Section: WHEN YOUR COVER BEGINS AND ENDS
The policy is effective the day the insurance is purchased and the full premium is paid. The purchase must be made and the full premium be paid on or before the departure date. In all cases this must be before you leave your primary residence to start your trip.
Pre-existing Medical Condition Exclusion
Standard exclusion for pre-existing medical conditions unless specific waiver requirements are met; affects both initial insured and other insured persons related to same condition
SourcePage 12Section: HEALTH DECLARATION AND HEALTH EXCLUSIONS > IMPORTANT DECLARATION
This also means that any other person insured by us will not be covered for any directly or indirectly related claims arising from the pre-existing medical condition (or conditions). This applies even if the person with the medical condition (or conditions) decides to buy cover from another provider.
Policy Cancellation Period
Insured can cancel policy within first 14 days of purchase if policy does not meet their needs; cancellation not permitted if claim made or journey started
SourcePage -3-Section: HOW DO I CANCEL THE CONTRACT?
The insured can cancel the insurance policy in the first 14 days following the purchase of the policy, if it does not meet his needs. In the above case, please email [email protected] to ask for the policy cancellation. Please note that the cancellation of the policy is not possible if the insured has made a claim or started his journey.
Residency and Purchase Timing Requirement
This insurance is intended for private individuals resident in Sweden who book one or more flight tickets on the KLM website; the policy must be purchased when booking the ticket, or via My Trip within the applicable window after booking
SourceSection: Vanliga frågor > Vem kan teckna denna försäkring?
Denna reseförsäkring är avsedd för dig om du är en privatperson som bokar en eller flera flygbiljetter på webbplatsen KLM för att resa till alla destinationer som erbjuds av KLM (utom destinationer som utesluts av försäkringsavtalet) och om du vill vara skyddad mot potentiella oförutsedda händelser utanför din kontroll, som kan inträffa före eller under din resa.
Sources
- klm.sehttps://www.klm.se/information/ticket-services/travel-insurance(opens in a new tab)
- magroup-online.comhttps://www.magroup-online.com/KLM/BE/EN/KLM_BE_en_TCs.pdf#page=1(opens in a new tab)
- magroup-online.comhttps://www.magroup-online.com/KLM/BE/EN/KLM_BE_en_TCs.pdf#page=19(opens in a new tab)
- magroup-online.comhttps://www.magroup-online.com/KLM/BE/EN/KLM_BE_en_TCs.pdf#page=2(opens in a new tab)
- magroup-online.comhttps://www.magroup-online.com/KLM/BE/EN/KLM_BE_en_TCs.pdf#page=26(opens in a new tab)
- magroup-online.comhttps://www.magroup-online.com/KLM/BE/EN/KLM_BE_en_TCs.pdf#page=8(opens in a new tab)
- magroup-online.comhttps://www.magroup-online.com/KLM/CH/EN/KLM_CH_en_IPID_Comprehensive.pdf#page=3(opens in a new tab)
- magroup-online.comhttps://www.magroup-online.com/KLM/ES/EN/KLM_ES_en_IPID_Comprehensive.pdf#page=1(opens in a new tab)
- magroup-online.comhttps://www.magroup-online.com/KLM/ES/EN/KLM_ES_en_IPID_Comprehensive.pdf#page=2(opens in a new tab)
- magroup-online.comhttps://www.magroup-online.com/KLM/GB/EN/KLM_GB_en_POLWRD.pdf#page=12(opens in a new tab)
- magroup-online.comhttps://www.magroup-online.com/KLM/GB/EN/KLM_GB_en_POLWRD.pdf#page=13(opens in a new tab)
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