Hedvig Försäkring AB

Assistance call deadline

Not specified in this add-on's terms; medical emergencies are handled under the base Villa/Home insurance's own travel protection (Reseskydd), not under Reseskydd Plus.

Unauthorized treatment

Not specifically defined for unauthorized treatment; general breaches of safety regulations (e.g. late trip cancellation) reduce compensation by 50% as a rule, more in serious cases, less in minor ones.

Purchase while abroad

The add-on must be taken out before the trip starts and before any covered event occurs; it cannot be purchased after departure or retroactively while already abroad.

Chronic conditions

Not addressed as a separate category; falls under the general pre-existing condition exclusion — illness known or present when the trip was booked/paid for is not covered unless it acutely and unforeseeably worsens.

Pregnancy

Not addressed in the Reseskydd Plus terms and conditions, presale information, or IPID.

Pre-existing condition exclusions

Insurance does not cover illness or accidents that existed or were known when the trip was booked and/or paid for, unless the health condition acutely and unpredictably deteriorated in a way that was not foreseeable or expected.

Coverage duration limit

Cover applies for a maximum of 45 days per trip, or 60 days if the extended option is chosen, counted from the day the insured leaves the insured home; short visits home of less than 30 days, intended as a return to the same destination, do not restart the trip period.

Trip cancellation

Coverage for trip cancellation due to illness or accident, included in Travel Protection Plus add-on

Luggage delay

Coverage for baggage delay of 6+ hours on outbound journey, included in Travel Protection Plus add-on

Personal delay

Coverage for personal delay when traveller misses scheduled departure by more than 12 hours

Unused travel costs compensation

Compensation for unused travel costs when bed rest is prescribed due to illness or accident

Rental car deductible reduction

Reduction of self-risk (deductible) for rental cars up to 10,000 SEK, included in Travel Protection Plus add-on

Extended trip duration option

Option to extend trip coverage from 45 days to 60 days per trip when purchasing Travel Protection Plus add-on

Trip start protection

Coverage when the insured arrives too late at the airport/station and misses pre-booked transport on outbound/return travel to or from the Nordics due to weather, traffic, technical failure, or accident.

Unused activity trip compensation

Coverage when a pre-booked and pre-paid physical activity (e.g. skiing, golf) on an activity trip cannot be completed due to acute illness or accident.

Unused event cost compensation

Reimbursement of pre-booked and pre-paid tickets to events such as concerts, theatre, or sports events on the trip if they cannot be used.

Swedish Foreign Ministry travel advisory exclusion

Insurance does not cover anything that occurs in countries or areas where Swedish Foreign Ministry (UD) advises against travel

Minimum trip duration requirement

Trip must be conducted abroad or intended to last at least 2 days (48 hours) to be covered

Private travel requirement

Insurance covers private travel only; does not apply to business trips, work activities, or any income-generating activities during the trip

Prior registration requirement

Add-on must be registered/purchased before trip starts and before any covered event occurs

Medical documentation requirement

Insured must be able to document illness, accident, or death through medical certificate or equivalent

Rapid trip cancellation requirement

Trip cancellation must occur as soon as reason for cancellation becomes known to be eligible for coverage

Sweden private healthcare exclusion

Insurance does not cover healthcare, travel or other costs for private medical care in Sweden