Sweden Travel Insurance

Whether you’re hitting the slopes or strolling through Stockholm, taking out travel insurance for your trip to Sweden can cover medical expenses, personal accident and liability claims and trip cancellation costs.

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Sweden combines the architectural landmarks and rich history of major European cities with the natural wonders of a world-class nature and wildlife destination. Here's why you'll need to purchase travel insurance for Sweden to cover things like trip cancellation, flight delays or lost luggage.

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.

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How much does travel insurance cost for Sweden?

The cost of travel insurance increases with age and the 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$108.86$119.73$194.07$866.29
Comprehensive travel insurance, including ski cover$278.71$323.31$507.76$1,369.82

These prices are not indicative of all policies and is to be taken as a rough guide. Note: prices are correct as of September 2017.

4 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.
  • Driving. Generally, you can get travel insurance for renting and driving cars in other countries without difficulty, as long as you have all the 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.

Worried about COVID-19?

You're not the only one. Travel insurance companies are now offering some cover for coronavirus. So you can travel with more peace of mind.

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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.


What happens if I have a medical emergency in Sweden?

Your number-one priority in an emergency should be your own safety. If you have a medical emergency in Sweden, you can contact:

  • 112 for ambulance, police and fire department
  • 1177 for medical advice
  • 11 414 for non-emergency incidents including making a police report

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.


What is the Reciprocal Health Care Agreement?

Sweden has a reciprocal health care agreement (RCHA) with Australia, which means that Australian citizens in Sweden can access certain medical treatments at no or reduced cost. It must be a medically necessary treatment that can't wait until you get home.

You are entitled to:

  • Medical treatment by a doctor
  • Care as an out-patient at a hospital
  • Medical costs for children
  • Maternity services
  • Some of the costs of prescription medication

You will still have to pay:

  • A small daily fee for hospital care
  • Applicable related doctor and hospital outpatient treatment
  • Part of the cost of prescription medication

This only applies if you are an Australian resident and eligible for Medicare and you may be required to show proof. Even then, it does not replace travel insurance.

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.

Read the guide to travel money for 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.


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.

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