Regarding the corona virus and our corporate products
Updated June 24th, 2020.
Below you can read more about how you are covered for Covid-19 when it comes to our Corporate travel insurance and Expatriate insurance.
Corporate travel insurance
Europeiska ERV covers business travel worldwide as usual in accordance to the insurance terms, including treatment for acute illness or other injuries related to Covid-19.
Some countries / regions are more exposed to the ongoing outbreak of Covid-19, both in terms of medical care and travel-related barriers. Therefore, travel to these countries or areas may be considered exposing one self to an already known or expected risk. In some cases, this can lead to a either reduced reimbursement or no reimbursement at all. If you feel any uncertainties, you are welcome to contact us and we will help you with an assessment.
If you have any questions:
Phone: 0770-456 970
Corporate travel insurance - Cancellation add-on:
Is the Cancellation add-on valid in connection to the outbreak of Corona Covid-19?
You have the right to cancel your trip and receive reimbursement for your cancellation costs if:
1. The Swedish Ministry of Foreign Affairs has advised against traveling to the specific area. The insurance must then be issued before the Swedish Ministry of Foreign Affairs expired with its advice.
2. The cancellation is due to accidents and / or illness that applies to you or close relatives.
Please note that you cannot cancel your trip simply because of concern and fear of traveling to destinations where there is not yet a recommendation from the Ministry of Foreign Affairs.
For specific dates regarding the travel advice, please see the Swedish Ministry of Foreign Affairs travel bans in this link. Note that there are both original publications and updates in some situations regarding the advice to countries and regions.
How does the Cancellation add-on apply in connection with the travel stop issued by the United States for Schengen countries?
The Cancellation add-on is valid for trips booked before the travel restrictions for Schengen countries were announced, i.e. up until March 12, 2020. The travel stop is valid from March 13 and currently 30 days ahead.
How does the cancellation add-on apply for new bookings?
You can still book our Cancellation add-on, as usual. However, cancellations that are a direct or indirect consequence of the Coronavirus Covid-19 are not covered. This includes both own illness and if the Swedish Ministry of Foreign Affairs' advice is linked to the spread of Coronavirus covid-19.
The insurance covers worldwide as usual in accordance to the insurance terms, including treatment for acute illness or other injuries related to Covid-19..
Does the insurance cover if I have been infected by the corona virus while stationed abroad and need medical care or medicine?
Yes, the insurance applies to illness, such as Coronavirus infection, and accidents. However, you should be aware of whether there are quarantine rules in your area, which can make it difficult to transport to and from the area. If you suspect you have been infected by the Corona virus, please contact Europeiska ERV Alarm immediately on telephone number +46 770 456 920 or email: firstname.lastname@example.org
I am quarantined due to the Coronavirus and must therefore extend my stationing abroad. Can I get reimbursement for my additional costs, such as extra hotel costs and a return trip?
Yes, provided your insurance includes the add-on Security Package. You will then be reimbursed for additional costs for accommodation and travel.
Expatriate insurance - Cancellation add-on
I have gotten the flu and have to cancel my business trip. Does the cancellation cover then apply?
Yes, if the reason for cancellation is due to accident or illness the insurance applies and you will be reimbursed for your cancellation costs.
I have a business trip booked, can I cancel it and get reimbursement?
If the business trip was booked before the Swedish Foreign Ministry's recommendation came for the insurance, you can cancel the trip and get reimbursement for your lost travel expenses.
If the business trip was booked after the Foreign Ministry's advice arrived, the insurance does not apply.
Please note that cancellation insurance covers the costs that you do not receive from a tour operator or airline. We therefore ask you to contact your tour operator or airline in the first place.
I booked a business trip to the United States on March 8, leaving on March 25. Can I cancel it?
If the trip was booked before the US introduced its travel stop, i.e. before March 13, 2020, the insurance will apply and you will be reimbursed for your lost travel expenses. If the trip was booked March 13 or later, the insurance does not apply.
Note: At the time of writing, US travel stops for travelers from Sweden and other Schengen countries apply 30 days ahead starting March 13, 2020.