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American tourists vacation in Sweden to enjoy its rich culture, outdoor recreational opportunities and spectacular northern lights.
“Winter sports such as dog sledding, snowmobiling, skiing and snowshoeing make Sweden an ideal destination for adventurous travelers,” said Scott Adamski, spokesperson for AIG Travel Insurance.
However, the cost of traveling to Sweden can increase quickly once you start paying for airfare, accommodation, tours and excursions. The best way to protect your travel investment is a strong travel insurance policy. to purchase a plan.
What to Look for in Travel Insurance for a Trip to Sweden
The best travel insurance plans include coverage for:
Trip cancellation: maybe next time, Aurora
When you book a trip, you probably don’t think about canceling, but emergencies can happen. Trip cancellation insurance helps you recover prepaid, non-refundable costs.
“Paying for a transatlantic or long-haul flight to Sweden, or a hotel or vacation rental, can cost you an arm and a leg,” said Lisa Cheng, a spokeswoman for travel insurance company World Nomads. say. “Fortunately, if a trip has to be canceled for a covered reason, such as an unforeseen illness, Trip Cancellation Cover can return non-refundable prepaid travel expenses.”
Reasons for cancellation typically covered by standard travel insurance plans include:
- your death or the death of a close family member or travel companion
- Severe Weather Suspends Travel Operations
- Serious illness or injury of the customer, companion, or close relative
- unexpected unemployment
- legal obligations, such as military orders or court orders;
Not all reasons are covered. For example, if you don’t want to go to Sweden because of an increase in the number of Covid-19 cases, you can’t use your travel cancellation benefits to cover your losses.
Always check the policy for acceptable cancellation reasons. Cheng also recommends checking the maximum benefits of your trip cancellation insurance to ensure that the full cost of your trip is covered.
“Cancellation for any reason” insurance
For maximum flexibility, we recommend adding ‘cancellation for any reason’ coverage to your standard travel insurance. This top-of-the-line upgrade allows you to cancel your trip for any of the following reasons:
- fear of travel
- bad weather forecast
- My schedule became inconvenient
“Cancel for any reason” insurance increases coverage costs by approximately 50%. You must also comply with our cancellation policy and cancel your trip at least 48 hours before your scheduled departure time.
If you meet the criteria for this benefit, you may submit a claim to recover 50% or 75% of your travel expenses, depending on what is stated in your policy.
Travel delays: late arrival in Gothenburg
Flights to Stockholm usually require a connecting flight. Especially if you start your trip on the west coast. For example, if you are departing from Seattle, you may need to stop in Chicago before heading to Stockholm.
If your connecting flight is delayed by 10 hours due to the security lockdown in Chicago, travel delay insurance will reimburse you for the costs associated with the delay. This includes meals, hotel stays, and some personal items. Please keep the receipt in a safe place.
The Travel Delay Benefit also covers prepaid, non-refundable expenses for those who are absent due to a compensable delay. So if you have paid for a private car service and a tasting tour in Gothenburg, you can recoup those losses if you miss your arrival in Sweden late.
Please note that there may be a waiting period before travel delay benefits are applied. This can take anywhere from 3 hours to 12 hours, so check your policy.
Trip Interruption: Goodbye Stockholm
When traveling abroad, there are times when you have to go home early. A travel insurance plan with trip interruption benefits can save you thousands of dollars in the event of such an eventuality.
Standard travel insurance typically covers the following reasons for travel interruption:
- Injury or illness of you, your travel companions, or relatives in your home country
- serious family emergency
- civil unrest or national transportation strikes
For example, if your mother needed emergency heart surgery while you were in Sweden, your policy would cover the cost of a last-minute one-way return home. If you leave early and miss out on the remainder of your prepaid hotel stay and non-refundable cruise tour of the Stockholm Archipelago, you can claim a refund.
Not all reasons are covered by travel interruption insurance. So, if you miss your dog and want to cut your trip short for puppy love, you’ll have to personally bear the financial loss.
Medical Expense Coverage: Djurgården Doctor’s Consultation
Travel insurance, including medical coverage, is essential when traveling abroad, as US-based health insurance will likely not accompany you on your trip. Check with your personal health insurance company before travel to see if any global benefits apply.
Travel medical insurance covers medical expenses for unforeseen illnesses and injuries while traveling. This typically includes:
- ambulance
- doctor and hospital bills
- X-ray and lab tests
- treatment and prescription
Sweden is full of walking and hiking destinations. As AIG Travel’s Adamski points out, the “must-see” part of Sweden is a stroll through Stockholm’s Old Town.
These paving stones are hundreds of years old, warns Adamski. It is very slippery when wet and it is not uncommon to fall over. If you slip and twist your ankle and need to see a doctor, travel medical benefits will cover the cost of medical procedures, imaging tests, medications and even hospitalization.
Emergency Medical Evacuation: Need a little help with Hemavan
Travelers planning to hit the slopes of Sweden or hike in remote areas should ensure that they have travel insurance with adequate medical evacuation coverage. The most generous plan includes $500,000 in medical expense benefits.
This coverage allows your travel insurance to adjust and cover the cost of an ambulance to transport you to a trauma center. Without this perk, you would be personally responsible for these costs, which can amount to thousands of dollars.
Luggage lost: skiing in Salen without a suitcase
When traveling internationally, especially with connecting flights, there is always the possibility that your checked baggage may be delayed, misdirected or lost. You can compensate for losses up to Please obtain a report documenting the event from the airline so that it can be submitted with your claim.
A travel insurance plan also protects your personal belongings while traveling. “Sweden has a low crime rate, but violent and non-violent crime occurs in major cities like Stockholm,” said Walch of InsureMyTrip.
To protect yourself, don’t wear flashy jewelry or show off as a tourist, and be aware of your surroundings. If your cell phone is stolen or your backpack is stolen from your chair, be sure to report it to the venue manager, local government and tour operator. You will be asked to submit this document.
Although comprehensive, travel insurance has exclusions such as item limits, refund caps, and lost or stolen cash. Limits are lower than expected (e.g. $100 per item) and you may need a receipt to get your refund.
Other considerations when buying travel insurance for your trip to Sweden
extreme weather and natural disasters
The snow-covered villages are picturesque, but Sweden’s winter weather can cause problems for some travelers.
InsureMyTrip spokesperson Meghan Walch said: “Another concern for her is the icy conditions and icy roads during Sweden’s long winters.”
Walch stresses that travel insurance does not cover “known issues” or natural disasters. “So if a blizzard or avalanche affects your trip, buying travel insurance after the event will not cover you,” she explains. “If a natural disaster strikes after you have already purchased insurance, you may find coverage.”
Please read carefully as all policies are different.
Swedish adventure
According to Walch, Sweden is known for outdoor activities such as skiing, dog sledding, snowmobiling and “cold water bathing.” However, some of these activities may be considered dangerous.
“Some policies may exclude adventure sports or limit coverage,” she continues. So if she breaks her leg while skiing in Hammarbybacken, she should ensure that her travel insurance does not exclude this activity. “
If you’re planning an activity-packed vacation, always check your travel insurance policy to see what it covers and what it covers.
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