ERGO Försäkring Filial (branch of ERGO Forsikring A/S), trading as Europeiska ERV
Europeiska ERV
Europeiska ERV is a travel insurance for the Sweden market with online purchase and 24/7 assistance.
Direct payment
The assistance company (ERGO Alarm) can arrange payment guarantees directly with treatment providers. Costs exceeding 10,000 SEK (excluding acute treatment) and any home transport (repatriation) must be pre-approved by ERGO Försäkring or its alarm centre before they are incurred.
Geographic scope
The geographic area stated in the insurance certificate; can be issued for worldwide travel
Cover does not apply in areas where the Swedish Ministry for Foreign Affairs (UD) has issued a travel advisory, except that cover continues for up to 14 days if the insured was already in the affected country/area when the advisory was issued, provided the insured leaves the area at the first opportunity
Unique selling points
- A modular 'build your own' travel insurance letting customers combine the base plan with add-ons for Illness & Accident, Baggage and Sports Equipment to match their exact trip needs.
- A dedicated 24/7 ERGO Alarm assistance line that provides medical guidance and can issue payment guarantees to care providers anywhere in the world.
- The Illness and Accident add-on is automatically included at no extra cost once a trip exceeds 45 days, removing the need to remember to add it for long trips.
- High liability protection of up to 10,000,000 SEK for personal injury or property damage claims made against the insured abroad.
- Search and rescue costs, including police, civil or military operations, are covered up to 300,000 SEK per incident as part of the base policy.
Coverage limits
Medical Expenses (Illness and Accident)
Optional
Available as the paid add-on 'Sjukdom och olycksfall'. Covers necessary and reasonable acute medical treatment costs for illness or accident occurring during the trip. For acute illness, reimbursement runs up to 60 days from the first doctor visit; for accidents, up to 3 years from the accident date. No fixed SEK ceiling is stated for this benefit; costs must be necessary and reasonable. Automatically included (without extra premium) on trips exceeding 45 days.
Emergency Medical Treatment
Optional
Part of the 'Sjukdom och olycksfall' add-on. Covers acute care and treatment costs, ambulance transport to the nearest appropriate facility when medically necessary, and prescribed medicines. No fixed SEK ceiling stated; costs must be necessary and reasonable.
Hospitalization
Optional
Part of the 'Sjukdom och olycksfall' add-on. Covers hospital admission, food and associated hospital services during acute illness or accident treatment. No fixed SEK ceiling stated; costs must be necessary and reasonable.
Outpatient Treatment
Optional
Part of the 'Sjukdom och olycksfall' add-on. When treated as an outpatient instead of being hospitalized, food and lodging costs are reimbursed up to 1,500 SEK per insured per day. Physiotherapy or chiropractic treatment for immediate pain relief, without referral, is covered up to 15,000 SEK per insured per trip.
Emergency Dental Treatment
SEK 5,000
Part of the 'Sjukdom och olycksfall' add-on. Covers temporary acute dental treatment for immediate pain relief up to 5,000 SEK per insured; the treating dentist must be licensed in the treatment country. Separately, dental injury from an accident (tandolycksfall) is covered with necessary and reasonable costs (no fixed cap), treatment can start abroad and be completed at home within 3-5 years of the accident.
Local Medical Transport
Optional
Part of the 'Sjukdom och olycksfall' add-on. Covers necessary and reasonable local travel costs in connection with medical care and treatment, including ambulance-type transport to the nearest suitable facility. If traveling by private car, reimbursement is 1.80 SEK per kilometer.
Medical Repatriation / Home Transport
Optional
Part of the 'Sjukdom och olycksfall' add-on. Covers necessary and reasonable costs for medically arranged transport home to the insured's home address or a hospital in the home country, plus return of left-behind baggage. Transport method (air ambulance, scheduled or chartered flight) is decided by ERGO Försäkring's medical advisers based on medical necessity and safety; must be pre-approved. This is distinct from the base-cover 'Evakuering' benefit which applies to natural disaster/terrorism evacuation (max 15,000 SEK for food/lodging/local transport under that separate peril).
Repatriation of Remains / Funeral Costs Abroad
Optional
Part of the 'Sjukdom och olycksfall' add-on. In the event of death covered under 'Sjukdom och olycksfall', covers necessary and reasonable cremation/burial costs at the destination, capped at the equivalent cost of repatriating the body to the home country; alternatively covers hemtransport of remains to a funeral home including related legal costs.
Search and Rescue
SEK 100,000
Included in the base coverage. Covers necessary and reasonable costs of police, civil or military search and/or rescue, capped at 100,000 SEK per insured, with an aggregate cap of 300,000 SEK per event. Cover applies for up to 14 days from disappearance within a 50 km radius of the last known location; excludes search/rescue related to kidnapping or hijacking.
COVID-19 Treatment
No limit stated
No dedicated COVID-19 benefit is described in the available sources; COVID-19 as an acute illness would presumably fall under the general 'Sjukdom och olycksfall' add-on, but this is not explicitly stated.
Pre-existing Conditions
Excluded
Existing medical conditions that have caused symptoms and/or been treated later than two (2) months before the insurance became effective are excluded from the 'Sjukdom och olycksfall' add-on and from related 'Förstörd semester' day-rate benefits.
Winter Sports Cover
No limit stated
Not separately addressed in the available sources. Ordinary skiing is not listed among the excluded 'extremsport' activities, but a full risk-activity list referenced on the insurer's website is not included in the sources reviewed, so availability cannot be confirmed either way.
Adventure / Extreme Sports Cover
Excluded
Extreme sports, motor competitions between two or more participants (except go-karting), mountain climbing, professional sport and related training, and scientific expeditions are all excluded under the general exclusions applicable to the whole policy.
Pregnancy Complications
Optional
Part of the 'Sjukdom och olycksfall' add-on. Covers unexpected illness or complications for the mother/fetus arising during pregnancy or delivery, including treatment of a premature baby born before gestational week 37 (36+6). Direct or indirect costs related to normal pregnancy and delivery from week 37 (37+0) onward, including expected delivery assistance and typical complications (e.g. caesarean, induced labor, epidural), are excluded.
Personal Liability
SEK 10,000,000
Included in the base coverage. Covers legal liability as a private individual for personal injury or property damage caused to a third party during the trip, including damage to rented accommodation/hotel rooms. Maximum 10,000,000 SEK per event for personal injury and 10,000,000 SEK per event for property damage, but combined liability per event cannot exceed 10,000,000 SEK regardless of how many insured persons are jointly liable.
Legal Assistance / Legal Protection
SEK 100,000
Included in the base coverage. Covers necessary and reasonable legal costs (own and opposing counsel fees a court may order, settlement costs, expert reports) for disputes arising during the trip, up to 100,000 SEK per trip. Applies with a deductible of 10% of the total claim cost, minimum 2,500 SEK, per instance of appeal (waived if legal-aid income thresholds in the country of proceedings are met). Excludes disputes with the travel agency/tour operator or ERGO Försäkring itself, employment/professional disputes, family/inheritance law, criminal matters, and motor-vehicle related liability.
24/7 Emergency Assistance
Covered
Included in the base coverage. ERGO Alarm, the insurer's assistance centre, is open 24 hours a day, every day of the year, and can provide medical guidance, referrals to the nearest care provider, and issue payment guarantees, worldwide.
Key conditions
Assistance call deadline
For acute emergencies, contact ERGO Alarm immediately on +46 770-456 920. If the insured is only covered by their home insurance's travel protection (first 45 days), they must instead contact their home insurer's emergency line for illness, accident, or other urgent matters.
Unauthorized treatment
Costs expected to exceed 10,000 SEK (excluding acute treatment), and any home transport/repatriation, must be pre-approved by ERGO Försäkring or its assistance centre; failing to follow this or the insurer's instructions on choice of care facility or treatment can reduce or eliminate the reimbursement.
Purchase while abroad
The policy must be taken out for the entire length of the trip (max 365 days) and paid before departure to be valid. It becomes effective when the trip from Norden begins; if bought on the day the trip starts, it is only valid once paid.
Chronic conditions
Existing medical conditions that have caused symptoms and/or been treated later than two (2) months before the insurance became effective are excluded from the illness/accident add-on.
Pregnancy
Unexpected complications for mother or fetus during pregnancy or delivery are covered under the illness/accident add-on, including care for premature babies born before week 37 (36+6). Normal pregnancy/delivery costs from week 37 (37+0) onward, and expected delivery assistance and its typical complications, are excluded.
Pre-existing condition exclusions
Pre-existing medical conditions with symptoms or treatment within two months before the policy start date are excluded, both from the illness/accident add-on and from related 'ruined holiday' day-rate compensation.
Coverage duration limit
The policy can be issued for a maximum of 365 days per trip, with the option to extend. Within that period, reimbursement for acute illness under the illness/accident add-on is limited to 60 days from the first doctor visit, and for accidents to 3 years from the accident date. The illness/accident add-on is automatically included at no extra premium once a trip exceeds 45 days.
Policy specifics
Illness and Injury Coverage (Optional)
Optional add-on that provides coverage for medical expenses, medicines, and home transport when traveling; automatically included for trips exceeding 45 days
SourceBaggage Protection (Optional Add-on)
Optional coverage for theft, loss, or damage to checked luggage and personal belongings during travel
SourceSports Equipment Protection (Optional Add-on)
Optional coverage protecting sports equipment against theft, loss, or damage during travel
SourceCompensation for Ruined Holiday Days
Travel Insurance Plus provides financial compensation for days during which the insured cannot enjoy the trip due to illness or injury
SourceDisability and Death Benefit
Travel Insurance Plus includes coverage for permanent disability or death resulting from injury during travel
SourceLegal Expenses / Legal Protection
Coverage for legal expenses incurred due to disputes or claims arising during travel
SourceHome Return Transport (Repatriation)
Coverage for transport home to the country of residence when medically necessary due to illness or injury abroad, or up to the standard of the original ticket
Source45-Day Automatic Coverage Threshold
For trips exceeding 45 days, Illness and Injury coverage is automatically included in the base policy without the need for an optional add-on
SourceComplementary Base / Primary Standalone Structure
Travel Insurance Plus functions as a complement to home insurance travel coverage for the first 45 days or throughout a valid home insurance period; can also be purchased as a standalone policy with the Illness and Injury add-on
SourceCar Rental Excess / Deductible Coverage
Both home car and rental cars on the trip destination are covered with excess/deductible protection
SourceGeographic Coverage Restrictions
Insurance is valid only in the geographic area specified in the insurance certificate and does not apply in regions where the Swedish Ministry of Foreign Affairs has issued travel warnings
SourcePolicyholder and Insured Eligibility
The person purchasing insurance must be at least 18 years old, registered as a resident of Sweden or Norway, and registered with a Nordic general insurance fund; covered persons must have been registered in the Nordic insurance system at the time of policy purchase
SourceEmergency Assistance Procedures
For acute emergencies (illness, injury), contact must be made with Europeiska ERV Alarm (assistance company) at +46 770-456920; for home insurance travel coverage holders, contact their home insurer's emergency line for the first 45 days
SourceRequired Claims Documentation
Original receipts, delay certificates (PIR reports), medical certificates, and supporting documentation proving the loss event must be retained and provided
Source