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Travel Insurance for Sweden

Whether your hitting the slopes or strolling through Stockholm, make sure you have the right travel insurance for your trip to Sweden

Sweden has been described as a number of countries rolled together, combining the architectural landmarks and rich history of major European cities with the natural wonders of a world-class nature and wildlife destination.

Sweden has a reciprocal health care agreement (RCHA) with Australia, which means that Australian citizens in Sweden are able to access certain medical treatments at no or reduced cost.

You are entitled to:

  • Medical treatment by a doctor or at a hospital’s outpatient ward
  • Reimbursements for certain medical travel costs
  • Reduced medical costs for children

You will still have to pay:

  • A small daily fee for hospital care
  • Applicable related doctor and hospital outpatient treatment
  • Full price for prescription medication

This only applies if you are an Australian resident. Even then, it does not replace travel insurance.

Compare travel insurance quotes for Sweden

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5 travel concerns for Sweden

Going to Sweden? There are some things in particular you may need to watch out for.

  • Border controls. Limited crossings and increased security may lead to delays for travellers crossing between Denmark and Germany.
  • Crime. Crime rates are low on the whole. Petty crime like bag snatching and pickpocketing, however, can occur in certain populated areas.
  • The roads. Travellers are advised that headlights must be on at all times while driving, and should be aware that avalanches or heavy snowfall may delay public and private transport.
  • Illness. The Stockholm archipelago and forested areas are home to ticks, particularly from March to November.
  • Weather events. Sweden experiences very cold winters with extremely heavy snowfall by Australian standards, and with it a risk of avalanches, storms, floods and other events.

What kind of travel insurance do you need for Sweden?

The type of travel insurance you need depends on what kind of holiday you want. Consider policies for:

You can choose whichever type of policy you want as long as it meets Schengen requirements.

Sweden is a Schengen country. This means it’s one of the 27 European nations that share entry requirements and visas, including restrictions on travel insurance.

It is mandatory that you have a Schengen travel insurance policy when visiting Sweden.


How much does travel insurance cost for Sweden?

The cost of travel insurance increases with age and comprehensiveness of cover. These are the average costs of travel insurance for one month in Sweden, by age and comprehensiveness. Note that the basic policies prices listed here do not include ski cover while the comprehensive ones do.

Age50607080
Basic travel insurance$36$53$100$167
Comprehensive travel insurance, including ski cover$154$160$201$402

3 activities you should consider getting cover for in Sweden

  • Boating. Sweden has a renowned seafaring history, and boats are part of the nation’s history, culture and tourist scene. But whether you’re fishing, riding the ferry or renting a kayak, different insurance requirements may apply. Check for restrictions around boating and watersports to understand your cover.
  • Diving. Sweden is one of the world’s most renowned diving destinations. The cold water preserves wrecks, while the busy waterways and a rich nautical history mean centuries of shipwrecks in remarkable condition can be explored off the coast. Ensure this is covered by your policy.
  • National park hikes. If you enjoy alpine surrounds, hiking in Sweden could be for you – with the appropriate cover. It’s home to hundreds of hiking paths well-used by visitors and locals alike, with jaw-dropping scenery around each corner. Consider trekking or hiking travel insurance and cover for medical evacuation if needed.

Am I covered for…

  • Scuba diving in the Baltic. The Baltic Sea is one of the most spectacular places in the world to go diving, with unique underwater flora and fauna and preserved shipwrecks in incredible condition. You will typically need to meet training, equipment and certification requirements to get covered for diving, but there may be special conditions for diving in certain conditions or locations. The special gear needed for arctic diving can also be more expensive, so it might be a good idea to cover damage to or replacement of your own diving gear and rental equipment.
  • Driving in Sweden. Generally you can get travel insurance for renting and driving cars in other countries without difficulty, as long as you have all appropriate licensing and registration. If you are not a confident cold-climate driver, consider rental car excess insurance and additional cover for modifying your travel plans and changing transport arrangements.
  • Hiking the national parks. Unpredictable weather or trail conditions, not taking the right gear, having an accident, getting lost or finding yourself stuck in an isolated spot are all issues to consider.
  • Boating in Sweden. Whether you’re taking a cruise, whitewater kayaking, deep-sea fishing or enjoying a chartered driving trip, it may be worth considering how your travel insurance policy covers it. If you’re bringing a vehicle across the straits in a barge or visiting Sweden as part of an international cruise, that too may have insurance implications.

What happens if I have a medical emergency in Sweden?

If you have a medical emergency in Sweden, you need to know:

  • What the RHCA does
  • What your travel insurance does
  • Who to call
  • What the RHCA does. The RHCA between Australia and Sweden provides limited medical benefits in the event of an emergency, if you have a valid Australian Medicare card. Generally, you should remember that it does not provide effective cover of hospital treatments and instead is more oriented towards non-emergency outpatient treatments and subsidised doctor visits. It does not replace travel insurance, and it is mandatory that you have Schengen travel insurance when visiting Sweden.
  • What your travel insurance does. If you’re visiting Sweden legally, it means you have a travel insurance policy that includes cover for medical emergencies, ambulance, repatriation and more. Schengen travel insurance policies mean you don’t need to hesitate to call emergency services if something happens.
  • Who to call. Your number-one priority in an emergency should be your own safety. Phone Swedish emergency services on 112 for ambulance, police and fire department services as needed. More generally, emergency services will likely be your first point of call as you will typically require police reports or hospital statements to document claimable incidents so your travel insurance can cover it.

Depending on the situation, you may also want to call:

  • The embassy. Reach the Australian embassy in Stockholm on +46 (0) 8 613 2900. Contact them for issues relating to missing passports or other essentials, legal difficulties, widespread local disasters or miscellaneous enquiries. Even if they can’t help you, they can often point you in the right direction. It’s advisable to register with the embassy before travelling in a country.
  • Your insurer. Don’t get a travel insurance policy if the provider is not reachable 24 hours a day, 7 days a week. Contact your insurer as soon as possible following an event leading to a loss.

Travel insurance exclusions to watch out for in Sweden

  • Failure to obey signs and warnings. Even if it’s an honest mistake, insurers reserve the right to not pay benefits for losses resulting from a failure to obey posted warning signs.
  • Drunk or under the influence. Stay responsible and in control, or your insurer may not pay out. This applies to everything, from boating to hiking to hitting the town. If something happened while you were under the influence, you may not be able to claim benefits regardless of whether or not alcohol was actually responsible for the event.
  • Irresponsible or reckless behaviour. Reckless behaviour is generally defined as something a reasonable person would not have done, and insurers reserve the right to not pay for claims related to recklessness.
  • Pre-existing conditions. Pre-existing conditions are typically either excluded or covered at extra cost. Schengen country requirements mean your Swedish travel insurance policy must include, and not exclude, cover for pre-existing conditions that are potentially hazardous or not under control.
  • Unsecured belongings. Travel insurance cover for luggage and stolen property will not pay out if belongings were unattended or unsecured. Consider extra cover if you’re travelling with valuables.
  • Unapproved sports or adventure activities. These are not necessarily covered by all travel insurance policies. You should have cover for any activities you plan on participating in, and in many cases will need to make sure your policy covers that in particular. For example, you may want to consider specialised snowsports cover if you’re going to Sweden for skiing or snowboarding.

Money in Sweden

  • Sweden uses the Swedish krona (SEK).
  • Sweden is generally a fairly expensive country by global standards.
  • ATMs are widely available and cards are accepted in most places.
  • Tipping is not expected, and generally only reserved for outstanding service.
  • Alcohol is expensive and heavily taxed in Sweden. Stick to beer for the best value.
  • Local buses don’t accept cash. You’ll need a prepaid bus pass.
  • Get a rail pass if you want to cover large parts of Sweden on a budget, or want to have the freedom to just up and go without planning your travel in advance.
  • Overall, street vendors have good prices and good quality. They are much cheaper than restaurants in Sweden.
  • Domestic flights within Sweden tend to be very expensive and must be purchased well in advance.
  • Taxis are unregulated in Sweden. Drivers are free to charge whatever they want, so look for the price signs in the windows for an idea of the cost.

Learn more in our travel money guide to Europe


Tips for travelling in Sweden

  • Renting a bike can be an easy, cost-effective and convenient way of getting around if you’re spending a lot of time in the cities.
  • The only place to get alcohol stronger than 3.5% is a store called Systembolaget. Big cities usually have a handful of these, but they’re not particularly common and can be difficult to find.
  • Do the islands. There are about 24,000 islands in the Stockholm archipelago alone, and countless sights to see.
  • Sweden can be quite warm in the summer. It’s not always snowy and cold.
  • Parts of Sweden are far enough north that you can experience a midnight sun or take in the northern lights. If you’re interested, plan for these in advance rather than hoping to see them.

Receive travel insurance quotes for Sweden

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Picture: Shutterstock

William Eve

Will is a personal finance writer for finder.com.au specialising in content on insurance. While he cannot give personal advice to clients, Will enjoys explaining the intricacies of different types of protective cover to help individuals and businesses find affordable cover that won't leave them underinsured.

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