Europeiska ERV Travel insurance (Reseforsakring Plus)

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.

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.

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.

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.

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.

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.

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).

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.

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.

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.

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.

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.

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.

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.

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.

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.