Pending review

Gjensidige Travel insurance (Hemforsakring Reseskydd)

Underwritten by Gjensidige · Sweden

travel insurance from Gjensidige for the Sweden market, with online purchase and 24/7 assistance.

Verified Aug 31, 2026 · Terms dated 2019-11Sources

Online purchase24/7 helpline

Unique selling points

Reseskydd Plus is top-ranked by the Swedish Consumers' Insurance Bureau (Konsumenternas Försäkringsbyrå).

Medical treatment costs abroad due to acute illness or accident are covered with no upper monetary limit.

Upgrading to Hemförsäkring Plus extends worldwide travel cover from 45 to 60 days and adds trip-cancellation and delay protection.

A 24/7 alarm central assists policyholders who fall ill or are injured anywhere in the world.

Pre-booked activity costs (e.g. greenfee, ski pass) are reimbursed on illness or injury, even covering a parent's missed activity if their child under 12 falls sick.

Coverage limits

Covered

Medical expenses (acute illness/injury)

unlimited

Necessary and reasonable costs for medical treatment abroad due to acute illness or accident are covered with no monetary ceiling; care costs are covered within 60 days from the first doctor visit, itself falling within the 45-day (Bas/Lagom) or 60-day (Plus) overall travel-cover period.

Section: Vad ingår i villaförsäkringen?

Reseskyddet gäller vid sjukdom eller olycksfall. Om du skulle behöva sjukvård eller behandling under resan täcker försäkringen vårdkostnaderna för detta, utan beloppsbegränsning.

Covered

Emergency medical treatment

unlimited

If treatment is needed during the trip due to sudden illness or accident, the policy covers the treatment costs with no upper limit.

Section: Vad täcker vår hemförsäkring?

Reseskyddet gäller vid sjukdom eller olycksfall. Om du skulle behöva sjukvård eller behandling under resan täcker försäkringen vårdkostnaderna för detta, utan beloppsbegränsning.

Covered

Hospitalization abroad

unlimited

Hospitalization costs from acute illness or accident fall under the uncapped care-cost benefit; additionally, if the ordered rest/hospitalization exceeds more than half of the trip's remaining days, the full trip cost can be reimbursed.

Section: Hur gäller reseskyddet?

Förutsättningen är att den ordinerade vilan eller sjukhusvistelsen överstiger mer än halva antalet resdagar och att du inte kan utnyttja resan som planerat.

Covered

Outpatient treatment abroad

unlimited

Outpatient medical treatment abroad for acute illness or accident is covered as part of the uncapped care-cost benefit.

Section: Vad ingår i villaförsäkringen?

Reseskyddet gäller vid sjukdom eller olycksfall. Om du skulle behöva sjukvård eller behandling under resan täcker försäkringen vårdkostnaderna för detta, utan beloppsbegränsning.

Covered

Emergency dental treatment

SEK 5K

Acute dental problems requiring temporary treatment, or tooth damage caused by an accident, are reimbursed up to a maximum of 5,000 SEK.

Section: Hur gäller reseskyddet?

Om du får akuta tandbesvär och behöver tillfällig behandling hos tandläkare eller om du får en tandskada till följd av ett olycksfall, kan du få ersättning med maximalt 5 000 kronor.

Covered

Medical transport during trip

Covered

If you fall ill or have an accident during the trip, the policy can reimburse costs including care and transport; no specific monetary ceiling for the transport element is stated in the sources reviewed.

Section: Hur gäller reseskyddet?

Om du blir sjuk eller råkar ut för ett olycksfall under resan kan försäkringen ersätta kostnader för bland annat vård och transporter.

Covered

Medical evacuation / repatriation for treatment

Covered

Repatriation to Sweden for further treatment is covered when a more serious illness or accident occurs during the trip; no specific monetary ceiling is stated in the sources reviewed.

Repatriation of remains

No limit stated

Not addressed in the sources reviewed.

Search and rescue

No limit stated

Not addressed in the sources reviewed.

COVID-19 treatment

No limit stated

Not addressed in the sources reviewed.

Pre-existing conditions

No limit stated

Not addressed in the sources reviewed.

Winter sports cover

No limit stated

Not addressed in the sources reviewed.

Adventure sports cover

No limit stated

Not addressed in the sources reviewed.

Pregnancy complications

No limit stated

Not addressed in the sources reviewed.

Covered

Personal liability abroad

Covered

The home insurance's liability protection (ansvarsförsäkring) applies worldwide during the first 45/60 days of a trip, as the whole policy's territorial scope extends abroad for that period; no specific travel sub-limit was found in the sources reviewed.

Covered

Legal assistance abroad

Covered

The home insurance's legal-expenses protection (rättsskyddsförsäkring) applies worldwide during the first 45/60 days of a trip along with the rest of the policy's extended territorial scope; no specific travel sub-limit was found in the sources reviewed.

Covered

24/7 alarm central assistance

Covered

A round-the-clock alarm central assists policyholders who become ill or have an accident while traveling; contact details are provided on the utlandsresekort (foreign travel card).

Akut hjälp dygnet runt Vår larmcentral har öppet dygnet runt och hjälper dig om du blir sjuk eller drabbas av ett olycksfall.

Key conditions

Purchase while abroad

Travel cover is a built-in part of the home insurance and its duration is counted from the departure date from the policyholder's home municipality in Sweden; the home insurance must already be in force before the trip begins.

Coverage duration limit

Travel protection applies for the first 45 days of a trip under Hemförsäkring Bas or Lagom, or 60 days under Hemförsäkring Plus, counted from the departure date from the home municipality in Sweden; for longer trips a separate policy via Gouda Reseförsäkring is needed.

Direct payment

Gjensidige's travel cover (via the household/home insurance travel protection, serviced by the Gouda/SOS International 24-hour alarm centre) primarily works on a direct-settlement basis for medical emergencies: the policyholder is instructed to contact the alarm centre before seeking care, and the alarm centre can issue a payment/cost guarantee directly to the hospital or clinic so the insured does not need to pay out of pocket. For minor or non-emergency costs (e.g. medicines, smaller treatments) the customer typically pays first and submits receipts for reimbursement afterwards via a claim.

Territorial scope

Travel protection applies worldwide for the first 45 days of a trip (Bas/Lagom) or 60 days (Plus), counted from the departure date from the policyholder's home municipality in Sweden.

Documents

Home Insurance Terms and Conditions 2002005 (from November 2019) (opens in a new tab)

Terms & conditions · PDF

Home Insurance IPID (product information document) (opens in a new tab)

Product information sheet · PDF

Overview page of all private insurance terms and conditions (opens in a new tab)

Other document · PDF

Policy specifics

Travel coverage duration limit

Travel coverage is limited to 45 days for basic home insurance or 60 days for Plus plan

Source

Reseskyddet gäller under resans första 45 dagar, eller 60 dagar om du har valt vår Plusförsäkring.

Medical expenses during travel

Coverage for acute illness or injury during travel, including care costs and transport

Source

Section: Hur gäller reseskyddet?

Om du blir sjuk eller råkar ut för ett olycksfall under resan kan försäkringen ersätta kostnader för bland annat vård och transporter.

Extended trip protection (Plus plan only)

Extended coverage available through Plus plan includes cancellation protection (avbeställningsskydd)

Source

Section: Vad täcker vår hemförsäkring?

Med utökat reseskydd ingår avbeställningsskydd, ersättning om du själv eller bagaget blir försenat och ersättningsresa om du måste avbryta din semester.

Emergency dental treatment

Coverage for acute dental problems or tooth damage from accident during travel, max 5,000 SEK

Source

Section: Hur gäller reseskyddet?

Om du får akuta tandbesvär och behöver tillfällig behandling hos tandläkare eller om du får en tandskada till följd av ett olycksfall, kan du få ersättning med maximalt 5 000 kronor.

Travel delay compensation

500 SEK per day if public transport is delayed 6+ hours, max 10 days (5,000 SEK total)

Source

Section: Hur gäller reseskyddet?

Om det allmänna färdmedel som du ska resa med försenas i sex timmar eller mer kan du få ersättning med 500 kronor per dygn. Ersättning lämnas i max tio dygn.

Baggage delay compensation

750 SEK per bag per day if baggage is delayed 6+ hours on outbound journey

Source

Section: Hur gäller reseskyddet?

Om ditt bagage blir försenat i sex timmar eller mer vid utresan kan du få ersättning med 750 kronor per väska och dygn.

Geographic scope of coverage

Coverage applies worldwide for holiday/leisure travel from departure point in Sweden

Source

Section: 2. Se över ditt avbeställningsskydd

Hos oss gäller reseskyddet i vår hemförsäkring för alla resor under den period som du är försäkrad.

24/7 alarm central support

Round-the-clock medical assistance and emergency support while traveling

Source

Akut hjälp dygnet runt Vår larmcentral har öppet dygnet runt och hjälper dig om du blir sjuk eller drabbas av ett olycksfall.

Pre-booked activity cancellation

Reimbursement for pre-booked physical activities (golf, skiing, tours) if cancelled due to acute illness/injury during travel

Source

Section: Hur gäller reseskyddet?

Om du har förbokade fysiska aktiviteter under din resa som inte kan genomföras på grund av akut sjukdom eller olycksfallsskada, kan du få ersättning för aktivitetskostnaden.

Missed connection coverage

Max 1,000 SEK reimbursement if arriving late to transport connection due to sudden unforeseen event during travel

Source

Section: Resestartskydd

Om du anländer för sent till flygplats, tågstation eller liknande och missar din förbokade ut- eller hemresa till/från Norden (på grund av plötsligt och oförutsedd händelse under påbörjad resa), lämnar försäkringen ersättning för de skäliga merkostnader som krävs för att du ska kunna ansluta dig till resan.

Crisis evacuation coverage

Coverage for reasonable emergency return to Sweden if travel must be interrupted due to war, natural disaster, or terrorist action

Source

Section: Hemresa vid katastrof

Om du på grund av krig, naturkatastrof eller terrorhandling måste avbryta din utlandsresa i förtid ersätter försäkringen skäliga och nödvändiga merkostnader för omedelbar hemresa till Sverige.

Sources

Gjensidige Travel insurance

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