What is travel insurance and what does it cover?
The insurance covers you for accidents, acute illness, acute dental problems, emergency situations during your trip and if you have to cut your trip short due to the death or serious illness or injury of a relative. The day of the first doctor’s appointment is considered the first sick day. The insurance covers you as a private individual; i.e. it does not cover any of the above situations if they occur whilst you are on a business trip, working or performing any other activities with the intention of earning money during a personal trip. You are covered by the insurance for the first 45 days of your trip, which must be outside of Sweden or intended to last for at least 48 hours. The trip is considered to have started once you leave the insured property and to last until you arrive home again.
Medical expenses
You will be compensated for necessary and reasonable expenses incurred during the trip (i.e. not after return to your home country) associated with urgent medical care, hospital care, treatment, aids and local travel for care and treatment, if prescribed by a competent doctor.
Additional expenses associated with return journey or continued travel
If a doctor recommends, in writing, that you or your travel companion should return home at a different time or by other means than planned, or that you should not continue a pre-booked and paid-for trip, you will be compensated for necessary and reasonable additional expenses associated with your return journey or with re-joining the continued trip at a later date.
Cost of repatriating deceased individuals and funeral costs
In event of death, the insurance will cover the cost of repatriation of the deceased to the deceased’s home locality in Sweden and additional expenses associated with the return travel of travel companions covered by this insurance policy. When a death occurs abroad, compensation may be granted for burial or cremation locally instead of repatriation, up to a cost of SEK 10,000.
Travel expenses for relatives visiting seriously ill travelers
If a doctor deems that your injury or illness is life-threatening, we will cover necessary and reasonable expenses associated with no more than two relatives travelling from and back to their home locality in Sweden, including additional accommodation expenses.
Additional accommodation expenses
If a doctor recommends, in writing, that you or your travel companion should change the planned accommodation arrangements or stay away for longer than planned, we will cover additional expenses for accommodation for up to 45 days from the first doctor’s appointment.
When something serious has happened at home
If you are forced to cut a trip short you will be compensated for necessary and reasonable additional expenses associated with your return to your home locality. The trip must be authorized by Hedvig ahead of time. Compensation is awarded only if the return journey is necessary. The insurance does not cover the cost of return to the location where the trip was cut short.
Unused travel expenses
You are covered by the insurance for the first 45 days of your trip, provided that the destination is outside of Sweden or that the trip is intended to last longer than 48 hours. The trip is considered to have started once you leave the insured property and to last until you return to that address.