Travel Insurance for a Trip to Sweden

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American tourists flock to Sweden to enjoy its rich culture, outdoor recreation opportunities and the Northern Lights.

Scott Adamski, spokesman for AIG Travel Insurance, said: “Winter sports such as dog sledding, snowshoeing, cross-country skiing and snowshoeing make Sweden a great destination for travelers.

But the cost of a trip to Sweden can quickly add up when you start paying for flights, accommodation, tours and excursions. The best way to protect your travel expenses is to purchase a travel insurance plan.

What to Look for in Travel Insurance When Traveling to Sweden

The best travel insurance plans will also include coverage for:

Travel Cancellation: Maybe the Time Is Coming, Northern Lights

When you book a trip, you probably don’t think about canceling, but sometimes emergencies happen. Trip cancellation insurance can help you recover any pre-paid, non-refundable expenses.

Lisa Cheng, spokeswoman for World Nomads, a travel insurance company, said: “Paying for long-haul flights to Sweden and nights in hotels and vacation rentals can cost you an arm and a leg. “Fortunately, trip cancellations can give you back your non-refundable, pre-paid expenses if you cancel your trip due to unforeseen circumstances, such as an unexpected illness.”

In general, valid reasons for cancellation covered by standard travel insurance include:

  • Your death, or the death of a family member or travel companion
  • Severe weather that halts travel
  • Serious illness or injury to you, a travel companion or a close family member
  • Unexpected job loss
  • Military orders or legal status, such as a court order

Not all reasons will be explained. For example, if you decide that you don’t want to travel to Sweden because of the increase in Covid-19 cases, you can’t rely on your travel cancellation benefit to recover your losses.

Always check your policy for valid reasons for cancellation. Cheng also advises checking the benefit amount of your travel cancellation insurance to make sure it covers the full cost of your trip.

“Cancel for any reason” insurance

If you want more flexibility, you may want to add “cancellation for any reason” to your travel insurance. This advanced upgrade allows you to cancel your trip for any reason, including:

  • Fear of walking
  • Disappointing weather forecast
  • Dates are no longer good

“Cancellation for any reason” insurance will increase your premium by up to 50%. You must also adhere to the cancellation window and cancel your trip no later than 48 hours before departure.

If you meet the requirements for this benefit, you can apply for a refund of 50% or 75% of the costs you spend on your trip, depending on what it says in your policy.

Travel Delay: Arrival in Gothenburg Late

Flights to Stockholm often require a connecting flight, especially if you start your trip on the West Coast. For example, if you are leaving Seattle, you may need to stop in Chicago before going to Stockholm.

If your connecting flight is delayed for 10 hours due to a shutdown in Chicago, travel delay insurance will reimburse you for any damages caused by the delay. This may include the cost of food, hotel accommodation and other personal expenses that may hinder you. Make sure you keep your receipts.

Travel delay benefits will also cover the cost of prepaid, non-refundable travel expenses that you will miss due to the delay. So if you paid for private cars and a taster tour in Gothenburg that you will miss due to your late arrival in Sweden, you can recoup those losses.

Keep in mind that there may be a waiting period before your benefits are delayed. This can be anywhere from 3 to 12 hours, so check your schedule.

Trip Break: Too Long, Stockholm

When you travel abroad you always have the option of returning home early. A travel insurance plan with trip interruption coverage can save you thousands of dollars if this happens.

Under standard travel insurance, the most common travel interruption reasons covered include:

  • Injury or illness to you, a travel companion or a member of your household
  • A big family emergency
  • Civil unrest or general strike

For example, if your mother needs emergency heart surgery while you are in Sweden, your policy will cover the cost of a last minute, home trip. If an early departure causes you to miss the remaining time on the pre-paid hotel and non-refundable tour of the Stockholm Archipelago, you can apply for a refund.

Not all reasons will be explained travel interruption insurance. So if you miss your dog, and want to cut short your trip for the love of puppies, you will have to pay for any lost money.

Medical Expenses: The Djurgården Doctor’s Journey

Travel insurance that includes medical coverage is important when traveling abroad because your US-based health insurance may not travel with you. Check with your health care provider before you travel to see if international benefits apply.

Travel insurance will cover the cost of medical care in the event of an unexpected illness or injury during your trip. This includes:

  • Ambulance
  • Doctor and hospital bills
  • X-rays and labs
  • Help and advice

There are many places to walk and walk in Sweden. And as AIG Travel’s Adamski points out, the unmissable part of Sweden is walking through Stockholm’s Old Town, which features winding streets and cobblestones.

These pavers are hundreds of years old, Adamski warns. If they get wet, they are very slippery and falls are common. If you slip and twist your knee and need to be seen by a doctor, your travel medical benefits will cover the cost of medical care, imaging, medication and even hospitalization.

Emergency Medical Evacuation: You Need a Little Help in Hemavan

Travelers planning to hit the Swedish slopes or hike in the countryside should make sure they have adequate travel insurance. medical evacuation support. The most generous plans include $500,000 in medical benefits.

With this coverage, your travel insurance can coordinate and cover the cost of an air ambulance to transport you to the scene of the accident. Without this benefit, you may be liable for these costs, which can be thousands of dollars.

Lost Luggage: Swimming in Sälen Without a Suitcase

When traveling internationally, especially on connecting flights, there is always the possibility that your checked baggage may be delayed, misplaced or lost. If this happens, Property insurance can reimburse your losses up to your policy limit. Just make sure you get a report from the airline documenting what happened so you can provide this and what you need.

Your travel insurance will also protect your belongings while you travel. “Sweden has a low crime rate, however, violent and non-violent crimes do occur, especially in big cities like Stockholm,” says Walch and InsureMyTrip.

To protect yourself, don’t wear jewelry, don’t pretend to be a stranger and be careful where you are. If your phone is stolen or your wallet is knocked over your seat, be sure to report it to the property manager, local authorities and the property manager. You will be asked to provide these documents.

In any case, your travel insurance will have product limits, maximum reimbursement caps and exclusions such as lost or stolen money. The limit may be lower than you expect (such as $100 per item) and may require a receipt for reimbursement.

Other Considerations When Buying Travel Insurance When Traveling To Sweden

Extreme weather and natural disasters

Its snow-covered villages are beautiful, but Sweden’s winters can be challenging for some travelers.

InsureMyTrip spokeswoman Meghan Walch said: “Storms and waves can occur in the northern mountains. Another concern is icy roads and ice in the Swedish winter.”

Walch emphasizes that travel insurance will not cover “known issue” or natural disasters. “So, if a hurricane or flood affects your trip, you won’t get coverage if you buy travel insurance after the event,” he explains. “If a natural disaster happens after you’ve already bought a policy, you can get coverage.”

Every policy is different, so read yours carefully.

Swedish entertainment

Walch says Sweden is known for its outdoor activities, skiing, dog sledding, snowmobiling and “cold showers.” However, some of these products can be considered dangerous.

“Other methods may include running games or giving less,” he continues. So, if you break your leg while Alpine skiing in Hammarbybacken, you want to make sure your travel insurance doesn’t cover this. “

If you’re planning an eventful trip, always check your travel insurance policy to find out what it will and won’t cover.

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