Travel insurance

Select your travel insurance with care

To determine if you are properly insured on the trip or not can be a jungle. On this page, we try to sort out some of the common questions when it comes to travel insurance, as well as try to open your eyes to the importance of choosing travel insurance with care.

General information about travel insurance

Most people today are aware of the importance of having travel insurance when traveling abroad. Nonetheless, the Ministry for Foreign Affairs deals with hundreds of cases per year where Swedish citizens get in trouble because they were not properly insured when traveling abroad.

In many cases, travelers get into trouble because they forget that they need to be insured through the whole trip and that they are not fully aware of what the insurance they have actually covers. The Ministry for Foreign Affairs can help travelers in trouble but they never leave financial contributions. At best, you can borrow money, but you always have to pay the loan back. Since healthcare abroad in rapid pace may reach sums of hundreds of thousand SEK it can become very expensive to travel without being properly insured.  

We therefore recommend anyone traveling abroad to check how they are insured, what the insurance covers and how long the insurance is valid.

Read about the difference between a supplementary and a separate travel insurance >

Which travel insurance should I choose?

Europeiska ERV has worldwide travel insurances that is suitable for most types of travel and travelers. We have everything from travel insurance for young people, travel insurance for people who want to go backpacking and those who want to practice extreme sports that are not normally covered by regular insurances, as well as travel insurance for those who want to boost the travel insurance in their home insurance and travel insurance for people that are going to travel for more than 45 days.

Do you want to compare our travel insurances to find the one best suited for you? Here you can see what our most popular travel insurances include, and chose the one you need. The information provided is in Swedish, but our customer service are happy to help if you have any questions regarding our products. 

Our travel insurances


The travel insurances Basic and Plus are suitable for all types of travel as they give you the opportunity to create an insurance based entirely on your own wishes and needs. 

Buy this insurance (info in Swedish) >


With Travel insurance Young, you who are up to 35 years old have the opportunity to create a travel insurance based on your own wishes and needs at a low price.

Buy this insurance (info in Swedish) >


With our Cancellation insurance, you get your money back if something suddenly or unexpectedly happens that prevents you from going on your trip. 

Buy this insurance (info in Swedish) >


Travel insurance Backpacker has a good basic protection at a low price and applies even if you plan to work part-time during the trip. Recommended for trips over 2 weeks.

Buy this insurance (info in Swedish) >

Extreme sports

Travel insurance Extreme sports is adapted for people who like to go on adventures during their trips, like off-piste skiing, downhill cycling, or sailing the world.

Buy this insurance (info in Swedish) >

Study abroad

An insurance if you plan to study abroad or work as an Au Pair. It gives you the protection you need if you e.g. become ill, lose your luggage or have to cancel your trip.

Buy this insurance (info in Swedish) >

Group & conference

Group & Conference travel insurance is a flexible insurance that gives everyone in the group the same protection. Get 10% off if you're more than 10 people.

Buy this insurance (info in Swedish) >

Visitor insurance

Foreign visitors are not covered by universal health care in Sweden. With our popular Visitor Insurance your overseas relatives and friends will have medical insurance throughout their stay in Sweden.

Buy the insurance here >

Holiday accommodation

Get reimbursed if you have to cancel the accommodation before the trip or if something should break in your rented accommodation during the trip.

Buy this insurance (info in Swedish) >

Corporate travel insurances

Looking for a business travel insurance? We also insure business travellers and personnel stationed abroad; both on day trips and longer stays.

Read about our corporate solutions >

NOTE: If you need any help buying a travel insurance, please contact our customer support.

About the travel insurance in your home insurance

The travel insurance in your home insurance is usually not valid for more than 45 days, in some cases 60 days. If you are out traveling for a longer period and haven’t bought travel insurance for the remaining travel period after 45 days have passed you may be uninsured without knowing it – until something happens.  The basic travel cover available in the home insurance differs from company to company. The travel cover in the home insurance does usually not cover for hazardous activities such as diving, mountain climbing, rafting and parachuting. To be on the safe side, you should contact your insurance company to find out what the home insurance covers and for how long when you are traveling.

About the cancellation insurance and travel insurance in credit and debit cards

If you pay for your trip by debit or credit card, you usually get a cancellation and travel insurance for free. Usually it is sufficient to pay between 50 and 75 percent with your card to take part of the cancellation insurance and travel insurance available in the card. In some cases, however, the bank requires that you pay for the whole trip with the card, so be sure to check with your bank which rules apply before you book your trip. What is included in the various cards differs a lot. Some only cover for lost baggage and lack any coverage if you become ill or suffer an accident.

The European health insurance card (EHIC)

That the EHIC is comparable with a travel insurance is something that not even the Swedish Försäkringskassa agree with. Even though the EHIC does give the right to the same state care as the country's inhabitants, and at the same price, you have to keep in mind that the standard of public hospitals abroad is in many cases much lower than the once we are used to in Sweden. In some countries, moreover the patient fee is much higher than in Sweden, which can become expensive if you do not have that into account.

Help such as repatriation, relatives' visits when seriously ill or legal expenses are not included in the European health insurance card.

Let us insure your next trip

No matter if you’re traveling with family in Europe, as a lone worldwide explorer or a student abroad, we have the travel insurance you need. Our travel insurances covers both weekends and long stay holidays. And if you would like some extra assurance before traveling, we also offer a great travel insurance cancellation cover.

Buy your travel insurance online here >