Compare Travel Insurance in Sweden

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16 live offers compared from 15 providers, from kr250 /år. Updated daily.

What is travel insurance in Sweden?

A distinctive feature of the Swedish market is that basic travel cover is already built into most home insurance policies. The reseskydd inside a standard hemförsäkring covers trips of roughly 45 days and provides emergency medical care, luggage protection, and delay cover. Standalone travel insurance (reseförsäkring) is bought as a top-up when you need cancellation cover, longer trips, or higher medical and evacuation limits.

How the Swedish market works

Because reseskydd is bundled into hemförsäkring, many Swedes are already partly covered for shorter holidays without buying anything extra. Within the EEA, the European Health Insurance Card (EU-kort/EHIC) gives access to public healthcare on the same terms as locals. The gap that standalone or top-up policies fill is cancellation (avbeställningsskydd), trips longer than 45 days, and the higher medical, repatriation, and liability limits needed for expensive or long-haul travel.

When you need a top-up policy

Cancellation — avbeställningsskydd refunds prepaid costs if you cannot travel due to illness; it is not part of the basic reseskydd.

Long trips — journeys beyond the ~45-day reseskydd limit need a dedicated policy.

Non-EU destinations — where EHIC does not apply and private medical costs can be very high.

Expensive trips — where higher cover limits for medical evacuation and belongings are worth having.

How to choose

Start by checking what your existing hemförsäkring reseskydd already covers, including its day limit and medical ceiling. Buy a top-up only for the gaps — usually cancellation, longer duration, or a higher evacuation limit. Confirm the självrisk, whether valuables and electronics are adequately covered, and any exclusions for pre-existing conditions or high-risk activities like skiing or diving.

Leading providers in Sweden

If, Trygg-Hansa, Folksam, Moderna Försäkringar, Skandia, and Nordea all offer travel cover, both as part of home insurance and as standalone policies, alongside AXA Sverige and Dina Försäkringar. Because much of the population already holds reseskydd through hemförsäkring, standalone products focus on cancellation and premium cover levels, so compare on limits and exclusions rather than headline price alone.

What it costs

Standalone or top-up travel policies on Giraffy's Swedish listings sit at roughly 250 to 349 SEK for a typical single-trip or short-term policy. This is a modest cost on top of the reseskydd you may already hold, and it is usually well worth it for cancellation cover or travel outside the EEA.

Protections and regulation

Travel insurers are supervised by Finansinspektionen (FI) and bound by the Försäkringsavtalslagen. Konsumenternas Försäkringsbyrå and Hallå Konsument give free, independent advice, and Allmänna reklamationsnämnden (ARN) reviews consumer disputes over travel claims at no cost.

Common questions

Do I already have travel cover? — Probably. Most hemförsäkring policies include reseskydd for around 45 days per trip.

Is EHIC enough? — Within the EEA it covers public healthcare, but it does not cover repatriation, cancellation, or private treatment, and it does not apply outside the EEA.

When should I buy extra cover? — For cancellation protection, trips over 45 days, and travel to non-EU or costly destinations.

Travel Insurance in Sweden — FAQ