Travel insurance
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| Feature / category | Folksam May 18, 2026 Open details | If May 18, 2026 Open details | Länsförsäkringar May 18, 2026 Open details | Trygg-Hansa May 18, 2026 Open details |
|---|---|---|---|---|
| Overview | ||||
Insurer | Folksam (Folksam ömsesidig sakförsäkring / Folksam ömsesidig livförsäkring) | If Skadeförsäkring AB (publ) | Länsförsäkringar AB | Trygg-Hansa |
Online purchase | No | Yes | Yes | Yes |
24/7 helpline | Yes | Yes | Yes | Yes |
Billing basis | per_trip | annual | annual | annual |
Unique selling points |
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IPID | IPID | IPID | IPID | Not available |
Terms & conditions | ||||
| Coverage | ||||
Medical expenses | Covered | Covered | Covered | Covered |
Medical transport | Covered | Covered | Covered | Covered |
COVID-19 treatment | COVID-19 is not explicitly mentioned as a covered or excluded condition in the product sources. As an acute illness, it would generally be covered under the standard medical expense coverage for acute illness, provided the condition arose unexpectedly during the trip and was not a pre-existing condition sought for treatment within the three months prior to departure. | COVID-19 is not explicitly mentioned in the policy. However, acute illness arising from COVID-19 during travel would be covered under the general medical expenses provisions of clause 11.1, provided the condition is acute, was not symptomatic or under investigation before departure, and no similar symptoms occurred within 3 months prior to travel. | Excluded | Covered |
Personal liability | SEK 5,000,000 | SEK 5,000,000 | SEK 5,000,000 | SEK 5,000,000 |
Emergency dental | SEK 3,000 | SEK 5,000 | SEK 5,000 | SEK 3,000 |
Search & rescue | Excluded | Excluded | Excluded | Not offered |
Legal assistance | SEK 300,000 | SEK 300,000 | SEK 340,000 | SEK 200,000 |
Emergency medical treatment | Covered | Covered | Covered | Covered |
Hospitalization | Covered | Covered | Covered | Covered |
Outpatient treatment | Covered | Covered | Covered | Covered |
Medical evacuation | Covered | Covered | Covered | Covered |
Repatriation of remains | Covered | Covered | Covered | Covered |
Pre existing conditions | Pre-existing conditions are generally not covered. No compensation is paid if deterioration of health is due to the same or similar symptoms for which treatment was sought in the three months before departure, or if a care need already existed at the start of the trip. Chronically ill persons or those recently treated may need a medical pre-assessment (förhandsbedömning) before travel to determine if the insurance applies. | Pre-existing conditions are generally not covered. The policy does not cover costs related to illness that existed, was known or under investigation when the trip started, or a health condition for which the insured had the same or similar symptoms within 3 months before departure. However, the policy does cover if a pre-existing or chronic condition acutely worsens during travel in a way that was not foreseeable or expected. | Excluded | Pre-existing or chronic conditions are not covered by default. Coverage may be obtained if a free medical pre-assessment (medicinsk förhandsbedömning) is completed with SOS International before departure. |
Winter sports cover | Covered | Winter sports injuries are not explicitly excluded from medical coverage under the standard travel protection. Injuries during ordinary skiing or snowboarding would generally be covered as accidents under clause 11. However, participation in combat sports with body contact, skydiving, gliding, motorized vehicle racing or training is excluded. Coverage applies as long as the insured is not receiving compensation or sponsorship exceeding one price base amount per year. | Winter sports are not explicitly excluded from the medical coverage in the basic travel section of Hemförsäkring H25. Standard acute illness/injury coverage would apply. However, professional athletes and participation in motor racing on tracks are excluded. Liability coverage for skiing in Italy requires a special travel certificate. | Covered |
Adventure sports cover | Covered | Excluded | No blanket exclusion for adventure sports is stated in the basic travel section. However, if aged 16 or over, the policy excludes damage from boxing or other combat sports involving strikes/kicks, racing or practice runs with motor vehicles on tracks, or participation as a professional athlete. General acute illness and injury cover otherwise applies during travel. | Excluded |
Pregnancy complications | Pregnancy complications are not explicitly addressed in the product sources. As unexpected acute medical events, acute pregnancy complications could be covered under general medical expense cover, subject to the standard exclusion that no care need existed at the start of the trip and no treatment was sought for the same condition within three months before departure. | The policy does not explicitly address pregnancy. Normal pregnancy is not classified as an acute illness. However, acute and unforeseen complications of pregnancy during travel that were not symptomatic or under investigation before departure may be covered under the general acute illness provisions of clause 11.1. Planned medical needs, routine check-ups or complications from planned procedures are not covered. | Normal pregnancy is not considered an acute illness. Complications constituting an acute and unforeseen deterioration of health during travel are covered, provided no symptoms occurred in the 3 months before departure and the condition was not foreseeable before the trip began. Planned operations, cosmetic treatments and elective procedures are excluded. | Trygg-Hansa's travel insurance applies for pregnant travellers abroad; the insurer also offers a dedicated pregnancy insurance (gravidförsäkring) valid abroad. Acute pregnancy complications may be covered as acute illness; standard pregnancy care is not covered. |
| Key conditions | ||||
Assistance call deadline | For travel outside the Nordic countries, SOS International (+46 8 136 060) must be contacted for approval before hospitalization, major medical interventions (e.g. X-ray, admission to hospital, or continued investigation after an acute doctor visit). At life-threatening conditions, emergency services (112 in Europe) must be contacted immediately first. | In acute medical situations, the insured must contact If's travel assistance service (+46 8 121 88 000) in advance before incurring costs. Medical treatment by a doctor must be pre-approved by If. If's medical staff has the right to require the insured to return to Sweden for treatment. If the insured cannot cover costs upfront, the assistance line should be contacted before costs are incurred. | In case of serious illness or accident the insured must contact SOS International at +46 8 670 40 00. For early repatriation or changes to the return journey, prior approval by SOS International or the insurer is mandatory. There is no explicit time deadline stated for initial contact, but the insured is expected to consult a doctor from the first day of illness. | In the event of acute illness or accident abroad, the insured must contact SOS International as a first priority. Before any major operation or extensive treatment outside the Nordic countries, SOS International must be contacted. Failure to comply may result in reduced compensation. |
Purchase while abroad | The extended travel insurance (for trips exceeding 45 days) must be taken out and paid before the first 45 days abroad have passed. It is not possible to extend the insurance after the first 45 days have elapsed. The standard travel insurance included in the home insurance cannot be purchased while already abroad. | The travel protection is integrated into If's Hemförsäkring (home insurance) and cannot be purchased as a standalone policy or extended from abroad after day 45 without incurring a 7-day waiting period. Extension of the travel protection beyond 45 days (up to a maximum of 1 year total) must be arranged before day 45 of the trip by calling If. If the extension is requested after day 45, a 7-day waiting period applies. | The travel section (J) of the home insurance cannot be purchased while already abroad. The insurance must be in force before departure. For stays exceeding 45 days, a separate long-stay abroad insurance must be arranged before departure. | The travel insurance is included in the home insurance policy and must be in force before departure. Extended travel cover (förlängt reseskydd) for trips exceeding 45 days must be arranged before the 45 days have elapsed; it can be arranged by calling Trygg-Hansa customer service. |
Chronic conditions | Chronically ill persons, or those currently being treated or recently treated for a disease or injury, may need to carry out a medical pre-assessment (förhandsbedömning) before traveling abroad to verify whether the insurance will apply fully. If the insurance does not apply fully, the insured may be responsible for their own medical costs. | Chronic diseases are generally not covered unless there is an acute, unforeseen deterioration during travel that was not foreseeable or expected. The policy does not cover costs related to a health condition for which the insured had the same or similar symptoms within 3 months prior to departure. Customers with chronic conditions are advised to contact If before booking travel. | Chronic conditions and diseases that were present, known, or for which the insured has had the same or similar symptoms within 3 months before departure are excluded. Coverage applies if the chronic condition acutely and unforeseeeably deteriorates during the trip. | Chronic diseases and pre-existing conditions are not covered unless a free medical pre-assessment (medicinsk förhandsbedömning) is obtained from SOS International before departure. This assessment determines whether coverage applies with or without specific exclusions. |
Pregnancy | Pregnancy is not specifically mentioned in the product sources. Acute and unexpected pregnancy complications arising during the trip may be covered under general acute illness cover, provided no care need for the same condition existed at departure and no treatment was sought in the three months before departure. | Normal pregnancy is not classified as an acute illness and is therefore not covered as such. Acute and unforeseen complications of pregnancy that arise during travel and were not symptomatic or under investigation before departure may be covered under the general acute illness provisions. Planned medical needs and routine check-ups related to pregnancy are not covered. | Normal pregnancy and routine antenatal checks are not considered acute illness and are not covered. Acute and unforeseeable pregnancy complications arising during travel are covered if no related symptoms occurred within 3 months before departure and the condition was not expected before the trip. Planned operations and elective procedures are excluded. | Trygg-Hansa's travel insurance applies to pregnant travellers abroad. Acute complications during pregnancy may be covered as acute illness. The insurer also offers a dedicated pregnancy insurance (gravidförsäkring) valid abroad. |
Unauthorized treatment | If treatment is not carried out by one of Folksam's recommended care providers, approved by SOS International or Folksam, the costs may not be covered or reimbursed, or the insured may be required to bear part of the cost if it exceeds the approved amount. | Costs for medical treatment that have not been pre-approved by If may not be covered. The policy states that treatment by a doctor must be pre-approved by If in advance and that If has the right to determine which healthcare provider the insured shall use. | If the insured must return home for care or treatment, the insurer will not pay the cost of return travel to the place where the trip was interrupted. Emergency repatriation and changes to transport must be pre-approved by SOS International or the insurer; unauthorized changes may not be reimbursed. | If the insured undergoes major surgery or extensive treatment abroad without prior approval from SOS International (outside the Nordic countries), compensation may be reduced or denied. |
Pre existing conditions | No compensation is paid if: a care need already existed at the start of the trip; deterioration in health is due to the same or similar symptoms for which treatment was sought in the three months before departure; or care is needed abroad for an illness or accident that occurred in Sweden. A free medical pre-assessment service is available at folksam.se/forhandsbedomning. | Pre-existing conditions are generally not covered. The policy excludes costs related to illness that existed, was known or under investigation when the trip started, and conditions for which the insured had the same or similar symptoms within 3 months before departure. An exception applies if the pre-existing condition acutely deteriorates during travel in a manner that was not foreseeable or expected. | Costs due to an accident that occurred or illness that existed or was known before the trip started are excluded. Costs due to health conditions for which the insured had the same or similar symptoms within 3 months before departure are excluded. Exception: coverage applies if the condition acutely deteriorates during travel and this was not foreseeable before departure. | Pre-existing conditions are not covered as standard. If the insured is ill or has an existing injury before departure, a medical pre-assessment must be completed with SOS International to determine whether and under what conditions coverage applies. |
Coverage duration limit | The travel insurance (as part of home insurance) covers the first 45 days of a trip. For trips longer than 45 days, an extended travel insurance must be purchased and paid before the first 45 days abroad have elapsed. The extended insurance covers from day 46 onwards and must be arranged in advance; it cannot be added retroactively. | The standard travel protection covers the first 45 days of each private trip abroad (or any trip with at least two overnight stays), counted from the day the insured leaves the insured home address. Short visits to the home location of less than 30 days, with the intention to return to the same destination, do not start a new 45-day period. The travel protection can be extended up to a maximum of 1 year total; the extension must be arranged before day 45. If extended after day 45, a 7-day waiting period applies. | The basic travel cover included in the home insurance applies only during the first 45 days of each trip, counted from the departure date from the home municipality in Sweden. Short visits to the home municipality of less than 30 days, where the intention is to return to the same destination, do not start a new 45-day period. For trips exceeding 45 days, a separate long-stay abroad insurance must be arranged. | The travel insurance included in the home insurance covers the first 45 days of travel. For trips longer than 45 days, extended travel cover (förlängt reseskydd) must be purchased before the 45-day period expires, available up to 365 days. |
| Proof and next steps | ||||
Direct payment policy | SOS International acts as the assistance company; for hospitalization or major medical interventions outside the Nordic countries, SOS International must be contacted in advance for approval. Costs for treatment not approved or not carried out at recommended care providers may not be covered. For EU-country medical costs the insured should first contact the Swedish Social Insurance Agency (Försäkringskassan). | If's emergency assistance line (+46 8 121 88 000) must be contacted in advance for acute medical situations. Medical treatment by a doctor must be pre-approved by If. If cannot cover advance costs at the point of care, the insured can contact the assistance line before incurring costs. | The insurer coordinates care decisions with SOS International. Costs and mode of transport for repatriation must be pre-approved by SOS International or the insurer. The insured pays and claims reimbursement for most costs; pre-approval is required for early return home. | In the event of acute illness or accident abroad, the insured must first contact SOS International (available 24/7), who will assist with costs and transport needs, including repatriation to Sweden. SOS International coordinates and approves medical care and transport; treatment not approved in advance may result in reduced or denied compensation. |
Last verified | May 18, 2026 | May 18, 2026 | May 18, 2026 | May 18, 2026 |