travel insurance sweden

Top Travel Insurances for Sweden You Should Know in 2024

Byron Mühlberg

Monito's Managing Editor, Byron has spent several years writing extensively about financial- and migration-related topics.

Links on this page, including products and brands featured on ‘Sponsored’ content, may earn us an affiliate commission. This does not affect the opinions and recommendations of our editors.

Sweden is known among tourists and expats for its lively cities, stunning outdoors, attractive social benefits, and iconic but minimalistic Scandinavian design and architecture. Although travelling to Sweden can be an accessible holiday destination for many people, out-the-pocket healthcare costs in the country tend to be expensive, so it's a very good idea to arrive there with travel insurance under your belt.

Luckily, online global insurances (known as 'insurtechs') specialize in cost-savvy travel insurance to Sweden and other countries worldwide. Our list below explores the four services we believe provide the best deals for young travellers, adventurers, everyday holidaymakers looking for comprehensive but affordable coverage, and longer-term expats.

Sweden Insurance Profile

Here are a few of the many factors influencing the scope and cost of travel insurances for Sweden:

Best Travel Insurances for Sweden

• 01. Should I get travel insurance for Sweden? scroll down
• 02. Best medical coverage: VisitorsCoverage scroll down
• 03. Best trip insurance: Insured Nomads scroll down
• 04. Best mix for youth and digitial nomads: SafetyWing scroll down
• 05. FAQ about travel insurance to Sweden scroll down

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Do I Need Travel Insurance for Sweden?

Yes, travel insurance is mandatory when travelling to Schengen countries, including Sweden. If you're entering the Schengen Area from a non-Schengen country, you must show a valid passport and travel insurance that covers the duration of their stay and a minimum coverage of 30,000 euros. Being insured is one of the necessary steps to secure a visa and enter the Schengen Area, and failure to comply may result in a denial of entry.

However, regardless of whether or not it's legally required, it's always a good idea to take our health insurance before you travel — whether to Sweden or anywhere else. For what's usually an affordable cost , taking out travel insurance will mitigate most or all of the risk of financial damage if you run into any unexpected troubles during your trip abroad. Take a look at the top five reasons to get travel insurance to learn more.

With that said, here are the top three travel insurances for Sweden:

VisitorsCoverage: Best Medical Coverage

Among the internet's best-known insurance platforms,  VisitorsCoverage  is a pioneering Silicon Valley insurtech company that offers comprehensive medical coverage for travellers going abroad to Sweden. It lets you choose between various plans tailored to meet the specific needs of your trip to Sweden, including coverage for medical emergencies, trip cancellations, and travel disruptions. With its easy online purchase process and 24/7 live chat support, VisitorsCoverage is a reliable and convenient option if you want good value and peace of mind while travelling abroad.

• Coverage 9.0
• Quality of Service 9.0
• Pricing 7.6
• Credibility 9.5

VisitorsCoverage offers a large variety of policies and depending on your needs and preferences, you'll need to compare and explore their full catalogue of plans for yourself. However, we've chosen a few highlights for their travel insurance for Sweden:

• Policy names: Varies
• Medical coverage: Very good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, mental health-related conditions, and many others.
• Trip coverage: Excellent - but only available for US residents.
• Customer support: FAQ, live chat and phone support
• Pricing range: USD 25 to USD 150 /traveller /month
• Insurance underwriter: Lloyd's, Petersen, and others
• Best for: Value for money and overall medical coverage

Insured Nomads: Best Trip Coverage

Insured Nomads is another very good travel insurance option, especially if you're adventurous or frequently on the go and are looking for solid trip insurance with some coverage for medical incidents too. With Insured Nomads, you can choose the level of protection that best suits your needs and enjoy a wide range of benefits, including 24/7 assistance, coverage for risky activities and adventure sports, and the ability to add or remove coverage as needed. In addition, Insured Nomads has a reputation for providing fast and efficient claims service, making it an excellent choice if you want peace of mind while exploring the world.

• Coverage 7.8
• Quality of Service 8.5
• Pricing 7.4
• Credibility 8.8

Insured Nomads offers three travel insurance policies depending on your needs and preferences. We go through them below:

• Policy names: World Explorer, World Explorer Multi, World Explorer Guardian
• Medical coverage: Good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, and many others.
• Trip coverage: Good. Includes coverage for trip cancellation and interruption, lost or stolen luggage (with limits), adventure and sports activities, and many others.
• Customer support: FAQ, live chat, phone support
• Pricing range: USD 80 to USD 420 /traveller /month
• Insurance underwriter: David Shield Insurance Company Ltd.
• Best for: Adventure seekers wanting comprehensive trip insurance

SafetyWing: Best Combination For Youth

SafetyWing is a good insurance option for younger travellers or digital nomads because it offers flexible but comprehensive coverage at a famously affordable price. With SafetyWing, you can enjoy peace of mind knowing you're covered for unexpected medical expenses, trip cancellations, lost or stolen luggage, and more. In addition, SafetyWing's user-friendly website lets you manage your policy, file a claim, and access 24/7 assistance from anywhere in the world, and, unlike VisitorsCoverage, you can even purchase a policy retroactively (e.g. during a holiday)!

• Coverage 7.0
• Quality of Service 8.0
• Pricing 6.3
• Credibility 7.3

SafetyWing offers two travel insurance policies depending on your needs and preferences, which we've highlighted below:

• Policy names: Nomad Insurance, Remote Health
• Medical coverage: Decent. Includes coverage for doctor and hospital visits, repatriation, and many others.
• Trip coverage: Decent. Includes attractive coverage for lost or stolen belongings, adventure and sports activities, transport cancellation, and many others.
• Pricing range: USD 45 to USD 160 /traveller /month
• Insurance underwriter: Tokyo Marine HCC
• Best for: Digital nomads, youth, long-term travellers

How Do They Compare?

Interested to see how VisitorsCoverage, SafetyWing, and Insured Nomads compare as travel insurances to Sweden? Take a look at the side-by-side chart below:

Data correct as of 4/1/2024

FAQ About Travel Insurance to Sweden

Travel insurance typically covers trip cancellation, trip interruption, lost or stolen luggage, travel delay, and emergency evacuation. Some travel insurance packages also cover medical-related incidents too. However, remember that the exact coverage depends on the insurance policy.

Yes, medical travel insurance is almost always worth it, and we recommend taking out travel insurance whenever visiting a foreign country. Taking out travel insurance will mitigate some or all of the risk of covering those costs yourself in case you need medical attention during your stay. In general, we recommend VisitorsCoverage to travellers worldwide because it offers excellent value for money and well-rounded travel and medical benefits in its large catalogue of plans.

Health insurance doesn't cover normal holiday expenses, such as coverage for missed flights and hotels, but in case you run into medical trouble while abroad, it may cover some or all of your doctor or hospital expenses while overseas. However, not all health insurance providers and plans offer coverage to customers while abroad, and that's why it's generally best to take out travel insurance whenever you travel.

Although there's overlap, health and travel insurance are not exactly the same. Health insurance covers some or all of the cost of medical expenses (e.g. emergency treatment, doctor's visits, etc.) while travel insurance covers non-medical costs that are commonly associated with travelling (e.g. coverage for missed flights, stolen or lost personal belongings, etc.).

The cost of travel insurance depends on several factors, such as the length of the trip, the destination, the age of the traveller, and the level of coverage desired. On average, travel insurance can cost anywhere between 3% and 10% of the total cost of the trip.

A single-trip travel insurance policy covers a specific trip, while an annual one covers multiple trips taken within a one-year period. An annual policy may be more cost-effective for frequent travellers.

Yes, you can sometimes purchase travel insurance after starting your trip, but it is best to buy it before the trip begins to ensure maximum coverage. If you do need to buy insurance after you've started your trip, we recommend VisitorsCoverage , which offers a wide catalogue of online trip and medical insurance policies, most of which can be booked with immediate effect. Check out our guide to buying travel insurance late to learn more.

Yes, you can most certainly purchase travel insurance for a trip that has already been booked, although we recommend purchasing insurance as soon as possible aftwerwards to ensure all coverage is in place before your journey begins. Check out our guide to buying travel insurance late to learn more.

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Safety and Travel Insurance for Sweden

How Safe is Sweden? Tips and Travel Insurance for Visitors

Is Sweden safe? For the most part, yes. Known both for its natural beauty and excellence in human design, Sweden also offers safety and a high quality of life. As a visitor, though, there are still some risks to consider. Winter sports are extremely popular and injuries are common. Natural disasters like blizzards and avalanches happen, especially in the north. And the country has become more prone to terrorist attacks in recent years as well. Travel insurance for Sweden will give you peace of mind and prepare you for the unexpected.

Travel Health Insurance in Sweden – Short Term (up to one year)

• Emergency medical, evacuation, repatriation benefits
• Choose between the basic and more extensive coverage
• Meets Schengen visa insurance requirements
• 24/7 worldwide travel and emergency medical assistance

Comprehensive International Medical Insurance in Sweden

Cigna Global Insurance Plan

• The flexibility to tailor a plan to suit your individual needs
• Access to Cigna Global’s trusted network of hospitals and doctors
• The convenience and confidence of 24/7/365 customer service

Do I Need Insurance to Travel to Sweden?

Yes, travelers to Sweden should buy an insurance plan that offers both trip and medical coverage. If you happen to have an emergency while abroad, you can focus on what you need to do and not worry about bills.

For visitors who need a Schengen Visa, you must have proof of international travel insurance as part of your application. You can find which countries need a visa to enter Sweden on the government’s webpage .

Also Read: Schengen Visa Insurance Requirements

While insurance is not mandatory for short-term visits to Sweden for Americans, Canadians and others, the government strongly recommends you buy a plan that covers at least €30,000 of medical care.

Medical Coverage:

Sweden has excellent healthcare and you are not limited to the major cities to find top quality hospitals. There are 100 hospitals available throughout the country and only 15 are private facilities. Citizens and residents have access to free healthcare. Travelers, however, will have to show proof of insurance or pay out of pocket to get care at a public clinic.

Depending on how serious your injury or illness is, you might need to get a medical evacuation. Evacuations can be very expensive. You’ll want to make sure your travel insurance for Sweden covers hospital stays, evacuations, or even repatriation to your home country.

Trip Coverage:

How safe is Sweden from natural disasters? While hurricanes and typhoons aren’t an issue in this Nordic country, you might experience a blizzard or an avalanche in the mountains, preventing travel. Flooding can make it hard to access essential services. If you’re visiting the country, it’s a good idea to buy full trip coverage. That way you will be protected if you need to make last-minute changes, cancellations, or even get evacuated.

Which Travel Insurance is Best for Sweden?

There are some great choices listed below. When buying your travel medical insurance for Sweden, tell us how long your trip will be, what types of activities you plan to do, and any preexisting conditions you may have. Different visitors to the country will have different needs. We can help select the best plan for your trip.

For those interested in winter sports such as snowmobiling or dogsledding, you should think about buying additional adventure sports travel insurance . If your trip revolves around snow sports, you might also consider cancel for any reason insurance given how quickly weather conditions can change. At the very least, make sure your plan covers last-minute changes, cancellations and evacuations.

Also Read: Health Insurance in Sweden for Foreigners

Medical Preparation for Travel to Sweden

What vaccinations do i need when traveling to sweden.

There are no required vaccines to enter or exit Sweden. However, the World Health Organization (WHO) and Center for Disease Control (CDC) recommend travelers be up to date on all routine vaccines such as influenza, chickenpox, measles-mumps-rubella (MMR) and diphtheria-tetanus-pertussis (DTP) vaccines. Plan to visit your doctor at least a month before you leave on your trip. This will give you time to get any medications or vaccinations you might need.

How to Bring Medications to Sweden

You can visit Sweden with prescription and over-the-counter medications. However, the country limits how much you can bring with you. If you are traveling from a country within the European Economic Area (EEA), you are allowed a year’s supply. Those arriving from outside the EEA are limited to a three-month supply.

If you are bringing medication into the country, keep the medicine in its original packaging and with the receipt of payment. Make sure the name on the label is the same as on your travel documents. Lastly, carry a copy of your doctor’s prescription with you.

To learn about the legality or availability of your specific medication in Sweden, it’s a good idea to contact your local embassy. The numbers for each embassy can be found below.

How to Access Medical Care in Sweden for Visitors

Swedish urgent care emergency rooms are open 24 hours a day and see patients with or without doctor referrals. Some hospitals may charge a fee for an ambulance or helicopter transfer, but it is capped at 1,100 kronor (around $100 USD). Note, that this is county dependent — most provide free transfer to hospitals for emergency treatment.

Private healthcare is becoming more popular in Sweden. Private facilities offer shorter waiting times, individual rooms, and a high level of service. You will want to ask about the payment process before your visit. Some require up-front payment and you will need to get reimbursed by your insurance provider later.

Your Sweden travel insurance provider can help you find treatment options based on your needs and location. Many plans also provide telehealth visits and connect you with a translator if needed.

The Swedish website 1177.se, is an official source of healthcare information in Sweden.

Also Read: The Best Hospitals in Sweden for Expats

Is Sweden a Safe Country?

Sweden is the 28th most peaceful country in the world according to the 2023 Global Peace Index. The country has dropped a bit in rankings over the past few years largely due to the Ukraine conflict. In comparison, the United Kingdom is ranked 37th while the United States is placed at 131st.

Is it Safe to Walk in Stockholm at Night?

Yes — Stockholm is rated as the fourth safest city in the world for personal security by the Economist’s 2021 Safe City Index. The well-lit streets and extensive public transit network make Stockholm a safe city to wander through after dark.

Is Sweden Safe for Female Tourists?

Yes, female-presenting travelers can rely on Sweden’s safety. Sweden is rated the third safest country by the Women Peace and Security Index, which measures how safe a country is for women. However, it’s still important to take the usual precautions. Be aware of your surroundings, stay in well-lit areas, and trust your instincts.

No matter where a country falls on global safety rankings, you should always stay up-to-date on travel alerts for your destination. As these warnings change frequently, you can use the following pages to learn about the latest safety recommendations.

• US Department of State Sweden Page
• Australian Government Smartraveller Sweden Page
• UK Government Foreign Travel Advice Sweden Section
• Government of Canada Travel Advisory Sweden Page
• Singapore Ministry of Foreign Affairs Sweden Page

Additionally, U.S. travelers can sign up for the US Smart Traveler Enrollment Program . If you register your travel dates with the program, you will receive alerts for the country while visiting.

What are the Emergency Assistance Numbers in Sweden?

If you require emergency care in Sweden, dial 112 from any phone for ambulance and police services. All phone operators are bilingual in Swedish and English. For non-emergencies, the police can be reached by calling 114 14.

Sweden also has a 24-hour non-emergency healthcare line staffed by registered nurses. You can dial 1177 from a Swedish phone to get medical advice and learn where the nearest health center is. If you’re using a sim card from outside the country, dial +46 771 1177 00.

Embassy Phone Numbers in Sweden

Below you can find contact information for your local embassy or consular services:

United States Embassy Dag Hammarskjölds Väg 31 SE-115 89 Stockholm, Sweden Phone: +46 8 783 53 00 Fax: +46 8 661 19 64

Embassy of Canada 23 Klarabergsgatan, 111 21 Stockholm, Sweden Phone: +46 8 453 30 00 Fax: +46 8 453 30 16 Email: [email protected]

British Embassy Skarpögatan 6-8, Box 27819, 115 93 Stockholm, Sweden Phone: +46 8 671 30 00 Email: [email protected]

French Embassy Kommendörsgatan 13, box 5135, 102 43 Stockholm, Sweden Phone: +46 8 459 53 00

Australian Embassy Klarabergsviadukten 63, 8th Floor, Stockholm, Sweden Phone: +46 8 613 29 00 Email: [email protected]

New Zealand Embassy Skarpögatan 6, Östermalm, 115 27, Stockholm, Sweden Phone: +46 8 400 17 270 Email: [email protected]

5 Safety Tips When Visiting Sweden

1. be aware of your surroundings.

While Sweden has a low rate of violent crime, petty crimes like pickpocketing and bag snatching are common in the larger cities. Stay alert. Don’t walk around playing on your phone or looking at a map. Petty crime usually occurs when a thief has an easy opportunity, and if you are distracted, it makes you an easy target. Note that high tourist areas, like Stockholm’s Old Town (“Gamla Stan”), often have higher rates of petty crime.

2. Stay Informed of Terrorist Threat Levels

Swedish authorities warn the country is a likely target for terrorism. There have been an increased number of threats by violent Islamist groups and by far-right/Nazi terrorists. The threat level is rated at 4 out of 5. Take official government warnings seriously and be vigilant in public spaces. You can stay up to date with the threat levels on the embassy websites listed above as well as on the Swedish Security Service .

3. Dress For the Weather

About 15% of Sweden is located in the Arctic Circle. The northern region has severely low temperatures that can reach −22 to −40 °F (−30 to −40 °C) and gets heavy snowfall for up to eight months of the year. If you plan to be in northern Sweden in the winter months, make sure you have appropriate snow gear: a warm winter coat, thermal underwear, waterproof pants, wool socks, hats and gloves.

4. Be Prepared for Natural Disasters

Sweden can have extreme weather, such as blizzards, rockslides, forest fires, floods and storms. Weather can change quickly. If you want to get alerts when severe weather is headed your way, you can register with the Global Disaster Alert and Coordination System. It’s a good idea to know where local shelters are and learn evacuation plans for different events.

5. Be Cautious of Wildlife

Sweden is home to dangerous animals like brown bears, wolves and moose. Do not approach wildlife in the forests or parks. Additionally, mosquitos and ticks are a growing problem in Sweden during the summer months. Make sure to wear long trousers and insect repellent when hiking.

Enjoying Sweden Safely and Smartly

While Sweden is regularly rated among the safest countries in the world, accidents can happen anywhere. It’s a good idea to buy comprehensive travel health insurance for Sweden before you leave. That way you are prepared for unexpected delays, natural disasters, or medical emergencies. Knowing you are protected in case of an emergency means you can focus on enjoying all that Sweden has to offer.

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Related Articles:

• Sweden’s Healthcare System
• Moving to Sweden as an Expat
• The Cost of Living in Sweden

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Travel Insurance for a Sweden Vacation (2024)

Learn about how you can be prepared for the unexpected on your trip to Sweden and how you can benefit from different travel insurance coverage options.

in under 2 minutes

Tom Adams is a writer based in the U.K. who specializes in travel advice. Previously, he has written for sports brands, travel blogs and even an archaeological study. Outside of work, Tom enjoys reading, trying new restaurants and taking his rescue dog for long walks in the park.

Tori Addison is an editor who has worked in the digital marketing industry for over five years. Her experience includes communications and marketing work in the nonprofit, governmental and academic sectors. A journalist by trade, she started her career covering politics and news in New York’s Hudson Valley. Her work included coverage of local and state budgets, federal financial regulations and health care legislation.

Sweden is a scenic Nordic country bordering Finland and Norway. The country is filled with untouched nature, making it a Scandinavian oasis for those who want to experience an unspoiled wilderness.

For those who take the plunge and put money down on a Swedish vacation, travel Insurance will cover you for any unexpected costs and interruptions that would otherwise spoil your trip. Having good travel insurance is the best way to protect your trip and give yourself the confidence that your trip will happen and, if it doesn’t, you won’t take a financial loss.

In this guide, we explain the travel insurance requirements for Sweden and suggest coverage options and expected insurance costs. We’ve also included some helpful tips that will keep you safe for your visit.

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Do I Need Travel Insurance for Sweden?

Sweden is a member of the Schengen area , a collection of 26 European countries that allow the free movement of people between their mutual borders. A full list of the Schengen countries is available online and includes destinations like Switzerland, Portugal and Denmark.

Depending on your country of residence, you may have to apply for a Schengen visa, which also requires you to have adequate travel insurance. There are plenty of travel insurance companies that sell Schengen visa insurance.

U.S. citizens don’t have to have a Schengen visa, so travel insurance for your vacation is entirely optional. However, travel insurance is the best way to protect yourself and your trip, so think seriously about it for any international travel. Travel insurance covers any unforeseen costs during your vacation, including interruptions, delays, cancellations and medical expenses.

A trip to Sweden is bound to be full of exciting outdoor activities: nearly 97% of the country is mountainous or covered by forest. Because of this, you will want travel insurance with robust medical coverage for accidents or injuries that could occur while you’re out exploring.

Travel insurance plans include many coverage options, and the following sections will give an overview of some of the most useful benefits.

Cancel for Any Reason Coverage 

Travel insurance usually includes cancellation coverage that will refund 100% of your insured trip costs. However, this coverage is subject to exclusions, so your reason for canceling may not always be covered. If you are worried about your cancellation insurance, you can choose to add cancel for any reason coverage to your insurance policy.

Cancel for any reason coverage (CFAR) lets you cancel your trip for reasons that aren’t normally covered — a great benefit for travelers. It gives you freedom with your travel plans in the lead-up to your trip.

However, CFAR has limitations to consider. These include:

• Reduced reimbursement for your trip costs, which can be as low as 50%
• Your state of residence may make you ineligible for CFAR (such as New York)
• Buying CFAR coverage 14-21 days before your trip starts (timing differs for each provider)

Gear Theft Protection

Your insurance usually includes gear theft protection or personal effects coverage, a provision that pays to replace your belongings if they’re stolen or damaged. This benefit can pay off if you plan to take expensive items on your trip, like camera equipment or premium hiking gear.

Gear theft protection often has a deductible, an amount you must pay before your insurance reimburses you. Also, there’s a chance you may not get reimbursed for all your losses. That’s particularly true if you travel with a lot of gear. Consider taking out individual policies for valuable items you intend to take to Sweden.

Medical Emergency Insurance and Emergency Medical Evacuation

Medical emergency insurance, sometimes called travel medical insurance , is part of your insurance plan that covers medical expenses while you’re in Sweden. All visitors are entitled to healthcare in Sweden, but adults must pay for any medical care they receive. Travel health insurance covers:

• Emergency transport
• Heart attacks
• Broken bones
• Emergency dental treatments
• Medical repatriation

Repatriation is also called emergency medical evacuation. This involves returning you to your home country for medical treatment for a severe illness or injury. Your evacuation coverage maximum will be significantly higher than average medical coverage because it will include transportation costs. You can also use it to bring a loved one to Sweden to help get you home.

Rental Car Protection

You can use a valid U.S. driver’s license to rent a vehicle in Sweden if you’re at least 18 years old. Renting a car is a great way to see the untouched beauty of Sweden and can get you around more efficiently.

Before renting car insurance from a rental agency, investigate whether adding rental car protection to your travel insurance plan is more efficient. Adding a vehicle rider is often cheaper than buying insurance through the rental car provider. It also keeps all your coverage under one policy. Regardless, rental car insurance should include:

• A collision damage waiver, which waives your financial responsibility for any damage to the vehicle
• A loss damage waiver, which, like CDW, waives your liability for the loss or theft of your rental car
• Personal accident insurance, which supplies coverage for injuries in case of an accident

Trip Cancellation Insurance

Trip cancellation insurance will reimburse you for any prepaid, nonrefundable deposits made for your trip. You can use it if you need to cancel your trip before you leave or if you cut your trip short. The insurance company will only reimburse you for covered reasons listed in your policy. They usually include:

• A natural disaster that affects your travel plans
• An unforeseen illness or injury that will prevent you from traveling
• Loss of employment
• Terrorist incidents in your destination

Always assess the terms and conditions of your travel insurance policy. This will give you a clear list of covered reasons, claim procedures and coverage limits. Also, buy insurance as soon as you have made your trip deposit to ensure you’re covered for any unforeseen events that may occur before your trip.

How Much Does Sweden Travel Insurance Cost?

Travel insurance costs different amounts. That’s because the price depends on the provider you use, your age and your destination. Comparing multiple plans is the best way to shop for the best price for a travel insurance policy.

The table below compares five plans from different providers for a 30-year-old traveler going to Sweden for seven days. The price of the trip was $1,200. We picked each insurance company’s cheapest available plan. (Trawick has customizable coverage options, so we used the most affordable choice for Safe Travels Flex.)

Quotes were pulled from provider websites on June 29, 2023.

You’ll have to weigh which parts of each plan are most important to you. All the plans include 100% of the trip cost in their cancellation insurance, but Allianz offers up to $1,500, which is $300 more than the given trip cost. Likewise, all the plans include $500 in baggage and personal effects coverage, with Nationwide offering up to $600.

All plans fall into a similar price range but have different coverage limits. Nationwide provides the cheapest plan but still has the best medical and evacuation coverage. Trawick is the most expensive and has good evacuation coverage, but its medical offering is limited.

How Do I Get Travel Insurance for Sweden?

You can buy travel insurance online at an insurance company’s website or through a third-party comparison website. These sites show you the best travel insurance plans for your trip, and they can be a helpful tool.

You can buy travel insurance specific to your trip, such as cruise insurance or business travel insurance. You should consider what coverage is most important for your vacation and let that dictate your insurance coverage.

While premium plans may include more coverage and benefits, you can still find affordable plans that will provide you with adequate coverage for your trip.

Sweden Safety Tips

Sweden is a fun destination for travelers seeking adventure. Cities are safe and have plenty of architecture and museums to satisfy the culture obsessed. However, a recent rise in terror activity is worth noting, as are adverse weather conditions.

The following tips will give you an idea of what to expect for your trip to Sweden and how you can keep yourself safe.

Crime and Safety

Travel advisories highlight possible terror attacks as a concern for travelers to Sweden. These attacks have occurred across Europe and happen with little to no warning. Be extra cautious in crowded areas and tourist attractions and always be aware of your surroundings.

Always be cautious of pickpockets in major cities like Stockholm and Gothenburg. Tourists are often targeted by petty criminals, so it is best to keep your valuables in your room or secure to your person.

Another important safety consideration is the weather in Sweden. If you visit in summer you won’t encounter many problems, but winter in Sweden can be harsh. Frigid temperatures and snowstorms are normal, and they can pose a risk if you hike or camp in remote areas. Check local weather forecasts throughout your visit.

Day Trips, Tours and Excursions 

Sweden offers travelers so many exciting opportunities like skiing, skating, sailing the archipelago and hiking the wilderness. If you want a more magical experience, you can watch the northern lights brighten the Arctic sky. Activities such as these are bound to be fun, but safety should always be the top priority.

Book any excursions or tours with experienced and accredited guides and with thorough health and safety regulations. You can find good recommendations from your accommodation or from the Visit Sweden website .

It’s also a good idea to familiarize yourself with the contact details of Swedish emergency services and your home country’s consulate. They are places to turn for emergency help. For minor problems like getting lost, you’ll find that most Swedes speak good English and are willing to give you directions.

The Swedish government removed all pandemic restrictions in February 2022. Travelers don’t have to show a negative COVID-19 test result to enter the country. But the government still recommends that everyone receive a COVID vaccination before they travel to Sweden. More information is available on the government website .

The Bottom Line: Is Travel Insurance for a Sweden Vacation Worth It?

Even if you are not required to complete a Schengen visa application, travel insurance is a worthy investment . It provides you with protection against any delays or interruptions which would affect your travel plans. It will even cover your medical expenses, which is important if you plan high-risk activities, such as hiking or sailing.

Overall, a good travel insurance plan will give you peace of mind for your Sweden vacation. It allows you to focus on enjoying your time and gives you the freedom to change your travel plans without worrying about sunken costs.

Frequently Asked Questions About Travel Insurance in Sweden

Is it okay to travel without insurance.

Traveling uninsured means eventually paying for any delays or interruptions out of your own pocket. With travel insurance, you can receive compensation for any cancellations or expenses that affect your trip, a great financial benefit.

Is my medical insurance valid in Sweden?

Your domestic health insurance typically only covers health care in your home country. Some health insurance plans do include trips abroad. Check your policy to see if you need to purchase additional coverage.

What are the insurance requirements for a Schengen visa?

As part of your Schengen visa application, you will need to provide proof that you have travel insurance within a minimum medical coverage limit of 30,000 euros. Your insurance will need to include coverage for evacuation and repatriation of remains.

Do I need an EHIC or GHIC card if I have travel insurance?

While an EHIC/GHIC card will cover your medical expenses in European countries, it doesn’t include costs related to evacuation or repatriation. We recommend you have both to ensure you’re covered in full.

Methodology: Our System for Ranking the Best Travel Insurance Companies

• A 30-year-old couple taking a $5,000 vacation to Mexico.
• A family of four taking an $8,000 vacation to Mexico.
• A 65-year-old couple taking a $7,000 vacation to the United Kingdom.
• A 30-year-old couple taking a $7,000 trip to the United Kingdom.
• A 19-year-old taking a $2,000 trip to France.
• A 27-year-old couple taking a $1,200 trip to Greece.
• A 51-year-old couple taking a $2,000 trip to Spain.
• Plan availability (10%): We look for insurers with a variety of travel insurance plans and the ability to customize a policy with coverage upgrades.
• Coverage details (29%): We review the baseline coverage each company offers in its cheapest comprehensive plan. A provider with robust coverage earns full points, including baggage delay and loss, COVID-19 coverage, emergency evacuation and medical coverage, trip delay and cancellation coverage, and more. Companies also receive points for offering a variety of policy add-ons like accidental death and dismemberment, extreme sports, valuable items, cancel for any reason coverage and more.
• Coverage times and amounts (34%): We compare each company’s waiting periods and maximum reimbursement amounts for baggage, travel and weather delays. Companies that offer customers reimbursement after fewer than 12 hours of delays earn full points in this category. We also reward travel insurance providers that cover more than 100% of trip costs in the event of cancellations or interruptions.
• Company service and reviews (17%): We look for indicators that a company is well-prepared to respond to customer needs. Companies with an established global resource network, 24/7 emergency hotline, mobile app, multiple ways to file a claim and concierge services score higher in this category. We assess reputation by evaluating consumer reviews, third-party financial strength and customer experience ratings, specifically from AM Best and the Better Business Bureau (BBB).

For more information, read our full travel insurance methodology.

A.M. Best Disclaimer

Visitor Insurance

Medical insurance for your foreign visitors, search price and book.

The insurance start date can not be earlier than today's date

• Afghanistan
• Åland Islands
• American Samoa
• Antiqua and Barbuda
• Bonaire, Sint Eustatius
• Bosnia and Herzegovina
• Bouvet Island
• British Indian Ocean Ter
• British Virgin Islands
• Burkina Faso
• Cayman Islands
• Central African Republic
• Christmas Island
• Cocos Islands
• Congo (Democratic Rep.)
• Cook Islands
• Cote d'Ivoire
• Czech Republic
• Dominican Republic
• El Salvador
• Equatorial Guinea
• Falkland Islands
• Faroe Islands
• French Guiana
• French Polynesia
• French South.Territories
• Guardeloupe
• Guinea-Bissau
• Heard & Mcdonald Islands
• Kirgisistan
• Lichtenstein
• Marshall Islands
• Netherlands
• Netherlands Antilles
• New Caledonia
• New Zealand
• Norfolk Island
• North Korea
• North Macedonia
• Northern Mariana Islands
• Papua New Guinea
• Philippines
• Puerto Rico
• Republic of Burundi
• Republic of Cameroon
• Russia (East of Ural)
• Russia (West of Ural)
• Saint Barthelemy
• Saint Lucia
• Saint Pierre & Miquelon
• Sao Tome & Principe
• Sate of Palestine
• Saudi Arabia
• Sierra Leone
• Sint Marteen
• Solomon Islands
• South Africa
• South Georgia Islands
• South Korea
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• St. Kitts and Nevis
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• United Arab Emirates
• United Kingdom
• US Virgin Islands
• Vatican City
• Wallis & Futuna Islands
• Western Sahara
• {{originalfilename}} x

Suitable for those who:

• receive visits from abroad
• want to secure the cost of universal health care for your visitor
• have a friend who needs an insurance certificate to be able to obtain a visa to Sweden

Policy certificate, for visa application

In order to apply for a visa to a Schengen country it's often required that you are able to present a certificate showing that you have a valid insurance.

When you have bought and paid for your insurance, you can order an insurance certificate here >>>

If the person that is going to visit you already is in Schengen, please contact us at [email protected]

Price example Visitor Insurance (per person)

The insurance in summary:.

When you get a visit from abroad, it can feel safe to take out insurance to cover medical expenses. Our insurance covers, among other things, health care costs due to illness or accident, emergency dental treatment in case of accident and travel in connection with health care.

Good to know about the insurance:

• The insurance can only be bought for visitors up to 70 years of age.
• The insurance does not cover for illnesses that your visitor had before he/she got the insurance.
• The insurance has an excess of 1 000 SEK/injury.
• A valid visitor insurance is mandatory for visa application.
• The insurance covers medical expenses up to 30 000 Euro.

Please read terms and conditions for a complete description of the policy and its contents.

Travel insurance for Scandinavia

Yep, it’s true: Scandinavia is a very safe place to visit. But even if you’re only visiting for a short period of time, we’d strongly recommend getting travel insurance. A good travel insurance policy will help you out when things don’t go to plan – whether that’s a stolen wallet or a nasty accident – and can help you get back to enjoying your trip as soon as possible.

Travel insurance for a trip to Norway

Travel insurance is always at the bottom of the boring ‘things-to-do’ list when you’re booking a holiday, way behind choosing…

Travel insurance for a trip to Denmark

Compared with lots of other countries, Denmark is an extremely safe place to visit. It regularly appears near the top…

Travel insurance for a trip to Sweden

Travel insurance isn’t always a top priority for tourists visiting Sweden, but our advice is simple: you should buy some….

7 things to know about World Nomads travel insurance

Internationally recognised underwriters World Nomads is backed by a suite of specialist travel insurers that provide 24/7 emergency assistance, customer service and claims support.

24/7 emergency assistance If you need medical assistance or emergency medical evacuation, World Nomads’ multi-lingual team is available 24/7 to connect you with medical treatment and transportation during your trip.

Buy and claim on the road Had a change of plans? You can extend your period of cover or claim online at any point in your journey. You can even buy a World Nomads policy if you’re already travelling.

Adventure activity coverage Designed by travelers, for travelers, World Nomads covers over 150 adventure sports and activities so you can explore your boundaries.

Travel safety tips and alerts World Nomads provides useful and up-to-date travel insurance information and global travel safety advice to help you plan for your journey and navigate the risks.

Donate and make a difference When you buy travel insurance with World Nomads, you can make a micro-donation to a community development project to help change lives in the destinations that need it most.

Travel content to help inspire, educate and plan Plan your trip with free destination guides, develop your travel storytelling skills and learn how you can be a more responsible traveler with World Nomads as your travel companion.

World Nomads provides travel insurance for travelers in over 100 countries. As an affiliate, we receive a fee when you get a quote from World Nomads using the link above. We do not represent World Nomads. This is information only and not a recommendation to buy travel insurance.

How to Choose the Best Travel Insurance

By: Author Swedish Nomad

Posted on Last updated: December 17, 2019

Categories Travel Tips

Home / Travel Tips / How to Choose the Best Travel Insurance

Choosing the right travel insurance can seem confusing as there are lots of options out there, and some might even think that they don’t need one.

However, Protection when getting sick, accidents, theft, and robbery are just a few reasons why you should always travel with travel insurance.

Having a comprehensive cover is essential. In this article, I’m sharing my best tips on how to find and choose the best travel insurance as well as what to look out for. 

Why is Travel Insurance so Important?

First of all, you never know when an accident will happen, that’s why it’s called an accident. Also, you can’t predict if you’ll get sick while traveling or not, you can also take precautions to minimize your risks, but that might not always be sufficient. 

That’s why you need valid travel insurance that got you covered for if something unforeseen happens when you’re abroad. During my 7 years of traveling, I’ve been fortunate for most of the time, but there have still been some occasions where my travel insurance has come to use. 

For example, in Iceland, we rented a campervan and got hit by a truck. That could’ve gone really bad, but “luckily” it was only the side mirror that was broken into pieces. Another time, Christine got sick in Indonesia and we had to go to the hospital. Without our travel insurance that could’ve potentially been very expensive if she would have needed further hospitalization. 

Also, you can’t really be sure that your stuff won’t be stolen while traveling, no matter what hotel you choose. I’ve had money and travel gear stolen from hotels ranging from 3-stars to 5-star hotels.

Travel insurance is a cheap way of protecting yourself in case something happens. It’s well worth the extra cost and only cost a few Euros per day. It’s stupid to be cheap when it comes to your own health. 

What should be included in your travel insurance? 

• The travel insurance should give you coverage in the majority of countries
• Coverage for stolen items or things that break should be included
• Medical emergencies or regular illness
• 24/7 hour customer service (you don’t want to talk to a robot while you’re bleeding out, at least not until robots are better than humans)
• A good trip cancellation protection
• Coverage for interruptions due to illness or other circumstances
• Legal fees and costs
• Coverage if the company that you booked with goes bankrupt
• Personal accidents
• Damage compensation for traumatic experiences such as robbery or assault
• That you should not have to pay huge expenses upfront (very important)

Make sure you’re not already covered by your home insurance

Some countries have pretty good home insurance that covers trips abroad as well. In my home country Sweden, almost all insurance companies will offer 45 days travel insurance with basic coverage included for free. 

It’s also possible to add additional coverage to make it more comprehensive for adventure activities and certain types of trips. If you call your local insurance company, they will be able to tell what they can cover and what they don’t. 

Also, don’t take their word for it, make sure that you get to see documents stating the facts.  

Travel Insurance via your debit/credit card

Most debit and credit cards will offer some type of travel insurance when booking and paying half or 75% of the trip with the card. The majority of these travel insurance policies are more or less. If you are a plus customer or a VIP customer, the policy is likely to be more comprehensive. 

As a regular customer, travel insurance by debit card usually provides compensation for delayed flights, lost/delayed luggage, trip cancellation and a certain amount of protection in case of accidents.

A lot of credit card companies offer insurances for rental cars, which can be very helpful. But again, I recommend checking this with your local bank, as all packages are different. Each bank can have its own policies despite offering Mastercard and Visa cards.

Photo: JMiks / Shutterstock.com

World Nomads Travel insurance

The number 1 travel insurance company for travelers by travelers. They have specialized in insurance towards backpackers, adventurers, digital nomads, and other frequent travelers. But just about any traveler could buy coverage from them. 

Some of the highlights by using World Nomads:

• You can add cover while traveling
• Travel insurance made for travelers by travelers
• Covers 150+ adventure activities
• Your gear is protected
• Emergency Medical Transportation
• Trip Cancellation or interruption
• 24-hour assistance
• Emergency Medical Evacuation & Repatriation
• They also support local communities

The Blue Card (EU)

If you’re an EU-citizen like me and travel within the EU-zone, then you can get medical treatment for the same price as the locals would at public hospitals. However, it won’t be valid at most private hospital facilities and it can only be used for urgent matters.

Additionally, the Blue Card won’t cover ambulance flights back to your home country. And it’s certainly not the same as a travel insurance policy. This is just a card for emergencies if you’re traveling within the EU and need urgent medical care.

You should always have additional cover from a reputable travel insurance company even if you’re just traveling within the European Union.

Photo: Ascannio / Shutterstock.com

Travel Insurance and cancelation protection from tour operators

Many tour operators and airlines will offer cancelation protection when booking trips or flights. However, they are often worthless if you’re already covered. They are mainly there for companies to earn more money and don’t add any value if you already have travel insurance via your debit/credit card or home insurance policy. 

Common mistakes

Except for the obvious mistake to travel without insurance in the first place, there are also quite a few other common mistakes that I’ve seen or heard of from other travelers I’ve met along the road.

• Clicking yes on unnecessary travel insurance and cancelation insurance
• That they don’t double-check the maximum amount of compensation
• “Forget” to mention a disease/allergy when they sign up for the policy
• Doing activities that aren’t covered by the insurance policy
• They don’t read the fine print
• Forget to check how high the deductible is
• Getting drunk or using drugs (most insurance companies don’t offer compensation if something happens when you have been noticeably intoxicated or drug-induced)
• They keep important papers and receipts unorganized
• Don’t know how to apply for compensation if something happens
• Forget to check if every claim must be submitted individually or not
• Some believe that they can easily extend their coverage when they’re already abroad

With that said, perhaps the most common mistake of all is the fact that people compare travel insurance policies by their price as the only factor. What’s more important is to compare the actual cover and the limits that you get from the insurance company. 

There are often many differences in the fine print and coverage between policies and insurance companies. That’s why it’s much better to compare the actual coverage rather than the price.

Remember to always choose a reputable insurance company with good reviews and happy customers. It’s your life and health we’re talking about. I vouch for World Nomads unless you have a better option from a local insurance company, then, by all means, go for that one.

Photo: Michael Vi/Shutterstock

Things that most policies don’t cover

• Accidents from extreme sports such as bungee jump, paragliding, rock climbing, etc. 
• Accidents that happen when intoxicated by drugs and alcohol
• Reckless behavior will often result in no reimbursement
• Pre-existing conditions are almost never covered by any travel insurance policy
• Leaving valuables in plain sight or handle them with carelessness will leave you uncovered if theft happens
• Civil unrest and other force majeure events might leave you uncovered

Most travel insurance companies will offer additional coverage for a higher fee, but this is something that you must ask for when signing up. The majority of standard policies don’t cover the mentioned activities and situations. 

Photo: Salienko Evgenii/Shutterstock

Why you should buy travel insurance

You might be a lucky person and claim that it won’t happen to you, but the thing is that you never know, and it doesn’t have to be your fault.

Someone can hit you by accident when you cross the road or walking on the sidewalk, and even if it wasn’t your fault, you can still get injured and need surgery or at least visit a doctor. 

Without any coverage, the costs can reach extortionate levels and worst-case scenario, you might not even be able to afford the surgery. This can lead to life-long debt or even worse, you might even die or get permanent injuries.  

You can’t get travel insurance after something happens. As soon as you’ve booked a trip, you should make sure that you got a valid travel insurance policy from that date and for the whole duration of your trip.

Don’t make the mistake of traveling without coverage, it’s simply not worth the risk, especially since most policies cost less than 3-5 Euros per day.

If you need more suggestions on how to choose travel insurance, leave a comment below!

Thursday 29th of July 2021

good article. Thanks. what is the local travel insruance company do you use inside Sweden?

Swedish Nomad

Friday 6th of August 2021

In Sweden, the most common insurance companies are Trygghansa or Länsförsäkringar and Folksam. For traveling, the ERV is also quite popular. But most Swedes have a travel insurance included in their home insurance that has a coverage for up to 45 days abroad.

Understanding What Travel Insurance Covers

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• Travel insurance is intended to cover risks and financial losses associated with traveling.
• Coverage can include trip cancellation, baggage protection, medical care, and emergency evacuation.
• When filing a claim, be specific and comprehensive in your documentation to ease the process.

Whether it's a trip across the world or a trip across the state, having travel insurance provides major relief if things go awry. Flight delays, lost baggage, illness, injuries, and other unforeseen events can disrupt even the best-laid plans. With a major disruption comes the potential for unanticipated expenses.

Travel insurance and the coverage it offers can help keep you protected and save you money in the long run.

Overview of Travel Insurance Coverage

Travel insurance policies protect travelers from financial losses should something go wrong during their trip. You can customize which coverages you want to include, and there are several to choose from.

"Common types of coverage include trip cancellation, trip interruption, baggage protection, coverage for medical care if you get sick or hurt during your trip, and emergency medical evacuation," says Angela Borden, a travel insurance expert and product strategist for travel insurance company Seven Corners.

Travel insurance plans offer nonrefundable payments and other trip-related expenses. While monetary compensation is a primary benefit, there is another valuable perk of travel insurance. It can provide peace of mind.

What does travel insurance cover?

Your specific travel insurance plan (and its terms and conditions) will determine the minutia and specifics of what is covered. As with most other forms of insurance, a general rule of thumb is the more you spend, the better your coverage.

"Travel insurance can be confusing, so it's best to research a reputable company that specializes in travel insurance and has a long history of successfully helping travelers all over the world," says Borden.

Trip cancellation and interruptions

A travel insurance policy can reimburse you for a prepaid, nonrefundable trip if it is canceled for a covered event, such as a natural disaster or a global pandemic.

Trip interruption insurance covers you if you're already on your trip and you get sick, there's a natural disaster, or something else happens. Make sure to check with your travel insurance providers to discuss any inclusions, coverage, and more.

Travel delays and missed connections

Travel delay insurance coverage provides reimbursement for any expenses you incur when you experience a delay in transit over a minimum time. Reimbursements can include hotels, airfare, food, and other related expenses.

Medical emergencies and evacuations

Typically, US healthcare plans are not accepted in other countries. So travel insurance with medical coverage can be particularly beneficial when you are abroad. Medical coverage can also help with locating doctors and healthcare facilities.

Medical transportation coverage will also pay for emergency evacuation expenses such as airlifts and medically-equipped flights back to the US. Out of pocket, these expenses can easily amount to tens of thousands of dollars. Certain plans may even transport you to a hospital of choice for care.

Travel insurance generally does not include coverage for pre-existing conditions. That said, you can obtain a pre-existing condition waiver, which we will talk about later.  

Baggage and personal belongings

Most airlines will reimburse travelers for lost or destroyed baggage, but be prepared for limitations. Travel insurance plans will typically cover stolen items, such as those stolen out of a hotel room. This may not include expensive jewelry, antiques, or heirloom items. Typically, airlines have a few days to recover your bag.

In the meantime, you can make a claim to pay for items like certain toiletries and other items you need to pick up. If your bag is truly lost or you don't get it for an extended period, you can file a true lost baggage claim.

What does credit card travel insurance cover?

A major perk on several travel credit cards is embedded credit card travel insurance . Typically, you will need to use the specific card for the transaction (at least with partial payment) for travel coverage to kick in.

Each card has specific rules on what exactly is covered. But one of the industry leaders is the $550-per-year Chase Sapphire Reserve credit card. Here's a snapshot of what is covered with this specific card:

• Baggage delay: up to $100 reimbursed per day for up to five days if a passenger carrier delays your baggage by more than six hours.
• Lost and damaged baggage: up to $3,000 per passenger per trip, but only up to $500 per passenger for jewelry and watches and up to $500 per passenger for cameras and other electronic equipment.
• Trip delay reimbursement: up to $500 per ticket if you're delayed more than six hours or require an overnight stay.
• Trip cancellation and interruption protection: up to $10,000 per person and $20,000 per trip for prepaid, nonrefundable travel expenses.
• Medical evacuation benefit: up to $100,000 for necessary emergency evacuation and transportation when on a trip of five to 60 days and traveling more than 100 miles from home.
• Travel accident insurance: accidental death or dismemberment coverage of up to $100,000 (up to $1,000,000 for common carrier travel).
• Emergency medical and dental benefits: up to $2,500 for medical expenses (subject to a $50 deductible) when on a trip arranged by a travel agency and traveling more than 100 miles from home.
• Rental car coverage: primary coverage for damages caused by theft or collision up to $75,000 on rentals of 31 days or fewer

More protections are included with cards with an annual fee, but there are exceptions. The no-annual-fee Chase Freedom Flex , for instance, includes up to $1,500 per person (and up to $6,000 per trip) in trip cancellation and trip interruption coverage.

However, there are some differences between credit card travel coverage and obtaining coverage from a third party.

"Credit card coverage does not typically provide travel medical benefits," Borden says. "For protection if you get sick or hurt while traveling, you'll want a travel insurance plan with medical coverage."

Whether you get your travel insurance in a standalone policy or through a credit card, it's important to review your plan details carefully. In either case, there may be exclusions and other requirements such as deadlines when filing a claim, Borden notes.

What travel insurance coverage do you need to pay more for?

Knowing what travel insurance doesn't cover is as important as knowing what it does cover.

"Travelers should understand that travel insurance benefits come into play only if a covered reason occurs," Borden says. Most standard travel insurance plans won't reimburse you for the following:

Cancel for any reason (CFAR)

Cancel-for-any-reason travel insurance covers a trip cancellation for any reason, not just a covered event. your standard benefits won't kick in unless it's a covered event. For instance, you'll be reimbursed simply for changing your mind about taking a trip.

That said, CFAR travel insurance is not without its downsides. For one, it's more expensive than traditional insurance, and most CFAR policies will only reimburse you for a percentage of your travel expenses. Additionally, CFAR policies aren't available for annual travel insurance . 

You can find our guide on the best CFAR travel insurance here.

Foreseen weather events

Sudden storms or unforeseen weather events are typically covered by standard travel insurance plans. There are exceptions to be aware of. For example, an anticipated and named hurricane will not be covered.

Medical tourism

If you're going to travel internationally for a medical procedure or doctor's visit, your travel insurance plan will not cover the procedure itself. Most medical travel plans also won't cover you if something goes wrong with your procedure.

Pre-existing conditions and pregnancy

Those with specific pre-existing conditions, such as someone with diabetes and needing more insulin, will not be covered by most plans. In addition, pregnancy-related expenses will likely not be covered under most plans.

That said, you can obtain a pre-existing condition waiver for stable conditions. In order to obtain a wavier, you will need to purchase travel insurance within a certain time frame from when you booked your trip, usually two to three weeks, depending on your policy.

Extreme sports and activities

Accidents occurring while participating in extreme sports like skydiving and paragliding will typically not be covered under most plans. However, many plans offer the ability to upgrade to a higher-priced version with extended coverage.

Navigating claims and assistance

When a trip goes awry, the first thing you should do is document everything and be as specific as possible with documentation. This will make the claims process easier, as you can substantiate and quantify your financial losses due to the delay.

For example, your flight home has been delayed long enough to be covered under your policy, you'll want to keep any receipts from purchases made while waiting. For instances where your luggage is lost, you will need to file a report with local authorities and document all the items you packed.

Cancellation protection also requires meticulous attention to detail. If you're too sick to fly, you may need to see a doctor to prove your eligibility. If an airline cancels a flight, you'll also need to document any refunds you received as travel insurance isn't going to reimburse you for money you've already gotten back. 

Part of the benefit of CFAR insurance is the reduced paperwork necessary to file a claim. You'll still need to document your nonrefundable losses, but you won't have to substantiate why you're canceling a trip.

Choosing the right travel insurance

Each plan should be personalized to meet the insured party's needs. Some travelers prefer to stick to the bare minimum (flight cancellation benefits through the airline). Others want a comprehensive plan with every coverage possible. Before you buy anything, set your destination. Are there any travel restrictions or changes pending? Does your destination country require emergency or other medical coverage?

If the destination airport is known for lost or delayed luggage, travelers should keep important items in carry-ons. Lost or delayed luggage coverage protects insured parties in the event of a significant delay or total loss.

Second, check current credit card travel benefits to avoid redundancies. Savvy travelers don't need to pay for the same coverage twice.

Finally, consider your individual needs. Do you have a chronic medical condition, or do you feel safe with emergency-only medical coverage? Keep in mind, this does not include coverage for cosmetic surgery or other medical tourism. Do you have a budget limit for travel insurance? Asking and answering these important questions will help every traveler find the right product.

Most travel insurance plans are simple, and Business Insider's guide to the best travel insurance companies outlines our top picks. Remember, read your policy and its specifics closely to ensure it includes the items you need coverage for.

No one likes to dwell on how a trip might not go as planned before even leaving. However, at its core, travel insurance provides peace of mind as you go about your trip. While the upfront cost may seem significant, when you compare it to the potential expenses of a canceled flight, emergency evacuation, or a hefty medical bill, it's a small price to pay in the grand scheme of things.

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What does travel insurance cover frequently asked questions

Does travel insurance cover trip cancellations due to a pandemic like covid-19.

Coverage for pandemics vary from policy to policy. Some travel insurance companies have specific provisions for pandemic-related cancellations, while others may exclude them entirely.

Are sports injuries covered under travel insurance?

Sports injuries are often covered under travel insurance, but high-risk or adventure sports might require additional coverage or a special policy.

Can travel insurance provide coverage for travel advisories or warnings?

Travel advisories have different effects on your travel insurance depending on your policy. Traveling to a country already under travel advisory may invalidate your coverage, but if you're already traveling when a travel advisory is announced, you may be covered.

How does travel insurance handle emergency medical evacuations?

Travel insurance usually covers the cost of emergency medical evacuations to the nearest suitable medical facility, and sometimes back to your home country, if necessary.

Are lost or stolen passports covered by travel insurance?

Many travel insurance policies provide coverage for the cost of replacing lost or stolen passports during a trip.

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