- The best travel insurances for Sweden
- Is it currently safe to travel to Sweden?
- Is travel insurance required for the visa to Sweden?
- Why take out travel insurance for Sweden?
- What should travel insurance for Sweden cover?
- The cost of travel insurance for Sweden
- How to pay less for your travel insurance to Sweden
- Can I rely on my current insurance to cover me in Sweden?
- FAQ
Travel insurance for Sweden: key takeaways
1. Definition: Travel insurance for Sweden covers medical emergencies, trip cancellation, and other unforeseen travel disruptions.
2. Key protection: Insurance is not required for US citizens, but it protects against high overseas medical costs.
3. Healthcare cost: Healthcare in Sweden is excellent but expensive; a hospital night can cost over $2,000.
4. Price: A one-week travel insurance plan for Sweden typically costs between $30 and $60.
5. Good to know: Ensure your policy covers outdoor activities like hiking or skiing if you plan them.
Why trust HelloSafe?
HelloSafe is an international specialist in travel insurance comparison, advising over one million travelers every month. After analyzing 41 travel insurance policies available in the US, our experts share here everything you need to know to choose the best travel insurance for Sweden.
The best travel insurances for Sweden
| Contract we recommend | Medical reimbursement limit | Our view |
|---|---|---|
| HelloTravel Premium | $1,000,000 | Our recommendation for travel to Sweden. - high coverage - global assistance - comprehensive medical and repatriation guarantees |
| Cap Assistance 24/24 | $1,000,000 | A strong policy for health and emergencies. - 24/7 support - robust medical benefits - no deductible |
| Tourist Card | $500,000 | A solid option for tourists in Sweden. - good medical coverage - travel assistance - clear terms |
| Travel Pass Monde | $700,000 | Balanced contract for longer or multi-country trips. - repatriation protection - hospitalization - assistance abroad |
| Globe Partner | $300,000 | A dependable choice for stays in Sweden. - core medical cover - civil liability included - easy to use |
| Globe Traveller | $500,000 | Affordable and reliable for low-risk stays. - essential protections - fast claims process - suitable for short trips |
- high coverage
- global assistance
- comprehensive medical and repatriation guarantees
- 24/7 support
- robust medical benefits
- no deductible
- good medical coverage
- travel assistance
- clear terms
- repatriation protection
- hospitalization
- assistance abroad
- core medical cover
- civil liability included
- easy to use
- essential protections
- fast claims process
- suitable for short trips
Is it currently safe to travel to Sweden?
As of June 2025, the US Department of State advises travelers to exercise increased caution in Sweden, reflecting a continued risk of terrorism and petty crime. Sweden is not under an official travel ban, but vigilance is strongly advised for US visitors.
Here are their four main recommendations.
- Security risks: terrorist threats persist, with authorities warning that attacks may occur without notice, particularly at crowded sites. In Stockholm’s Old Town, tourists should be wary of pickpockets and bag theft, especially in busy public squares.
- Health risks: while no vaccinations are required, US Medicare/Medicaid does not cover expenses in Sweden. Medical care equals US standards, but travelers may face high upfront costs at private clinics if uninsured, notably for emergencies or specialist treatment.
- Legal requirements: US visitors must carry a valid passport at all times, with at least three months validity beyond their stay. Random police checks can occur, and travelers should retain copies of important documents for ID verification.
- Urban concerns: incidences of petty theft, especially on public transport and in tourist zones, are rising during summer festivals. Monitor your belongings in places like Stockholm Central Station and while using city buses.
Although not required, travel insurance is strongly recommended by the US Department of State, particularly to cover medical expenses and emergency repatriation, which can be extremely costly in Sweden.
Is travel insurance required for the visa to Sweden?
No, travel insurance is not mandatory for travelers from the US visiting Sweden for stays of less than 90 days.
Travel insurance is still strongly recommended because US Medicare and Medicaid do not cover you abroad and medical services in Sweden can be expensive if you require emergency care, hospitalization, or specialist services.
According to our data, 50% of travelers purchase travel insurance before going to Sweden. This is because, despite Sweden’s excellent healthcare, visits may result in significant out-of-pocket costs for uninsured Americans.
Why take out travel insurance for Sweden?
It is an essential financial and medical protection for anyone going to Sweden.
Even though Sweden offers high-quality healthcare at hospitals like Karolinska University Hospital in Stockholm, foreigners without an agreement are charged the full cost for all medical services. Visits to emergency rooms, ambulance calls, and hospital stays can result in significant expenses for travelers.
Travel insurance covers medical expenses, hospitalization, medications, ambulance transportation, and repatriation costs to the US if a serious issue occurs.
Here are some examples of healthcare costs in Sweden.
| Example of medical treatment | Cost at Karolinska University Hospital | Covered by travel insurance |
|---|---|---|
| I have to be hospitalized 48 hours after contracting an infection | 25,000 SEK ($2,300) | up to $1,000,000 |
| I broke my tibia (X-ray, cast, and crutch rental) | 17,000 SEK ($1,560) | up to $1,000,000 |
| I need to be repatriated | 110,000 SEK ($10,100) | up to $1,000,000 |
| I have appendicitis (consultation and surgery) | 65,000 SEK ($6,000) | up to $1,000,000 |
These prices are given as an indication and may vary depending on the facilities and regions.
It is therefore essential to take out appropriate travel insurance to avoid unexpected and potentially high expenses.
What should travel insurance for Sweden cover?
| Main coverages | Explanations and recommendations |
|---|---|
| ? Medical expenses | Covers doctor visits, hospitalization, and medical care due to illness or accident. We recommend a minimum reimbursement limit of $500,000 for Sweden. |
| ? Emergency evacuation | Pays for transport to the nearest qualified medical facility or repatriation if medically necessary. Minimum recommended coverage: $250,000. |
| ? Medication reimbursement | Covers prescribed medicines during your trip in case you fall ill or are injured. Ensure your policy includes at least $2,000 per trip for medication. |
| ? Repatriation of remains | Covers costs if repatriation to the US is needed following a death. Choose coverage of at least $50,000. |
| ? Lost or stolen luggage | Reimburses loss, theft, or damage to baggage. Recommended reimbursement limit: $2,000 per person, considering common incidents in Swedish airports or hotels. |
| ✈️ Trip interruption | Covers non-refundable expenses if your trip ends unexpectedly. A minimum of $5,000 is usually sufficient for Sweden. |
| ? Personal liability | Protects against costs if you accidentally harm someone or damage property. Choose at least $100,000 in liability coverage for Sweden. |
| ? 24/7 assistance | Access to a support hotline for emergencies, local advice, or translation help. Always ensure this service is included in your plan with no extra cost. |
We recommend a minimum reimbursement limit of $500,000 for Sweden.
Minimum recommended coverage: $250,000.
Ensure your policy includes at least $2,000 per trip for medication.
Choose coverage of at least $50,000.
Recommended reimbursement limit: $2,000 per person, considering common incidents in Swedish airports or hotels.
A minimum of $5,000 is usually sufficient for Sweden.
Choose at least $100,000 in liability coverage for Sweden.
Always ensure this service is included in your plan with no extra cost.
Travel insurance from local providers or bank cards often has low limits and many exclusions. It is safer to select a trusted insurer with broad coverage. Compare top options on HelloSafe and easily subscribe online for immediate certification.
The cost of travel insurance for Sweden
| Trip duration | Traveler’s age | Indicative price per person |
|---|---|---|
| 1 week | 25 years old | $24 |
| 2 weeks | 45 years old | $41 |
| 1 month | 35 years old | $64 |
| 1 month | 70 years old | $152 |
These prices are indicative and may vary depending on the coverage chosen and the specifics of each insurer.
Good to know
The price of your travel insurance policy will vary. Key factors include: the traveler's age, the duration of the stay, the destination, and any optional add-ons like a cancellation waiver. Keeping these elements in mind is essential to choosing the right coverage for your trip and budget, ensuring you're protected without any surprises.
? It is always recommended to compare multiple offers to find the best value-for-money plan for you. You can use HelloSafe.
? Compare the best travel insurance for freeI compareHow to pay less for your travel insurance to Sweden
Here are some suggestions to optimize the cost of your travel insurance to Sweden while keeping good coverage:
| Criteria | Why it matters | Expert tip |
|---|---|---|
| ?️ Trip duration | The longer your trip, the higher your premium. Rates are calculated by days insured. | Book insurance for the exact dates only. Avoid extra days before or after your trip to reduce unnecessary costs. |
| ??? Traveller's age | Age often increases the premium, especially for older travelers. Some providers impose age bands or surcharges. | You can save by comparing providers. The insurer Heymondo does not increase its prices for people over 62. Always check age policies. |
| ? Level of coverage | Higher limits for medical or evacuation will make insurance costlier, but lower limits can leave you exposed. | Match coverage to real needs. Choose moderate medical coverage around $50,000-$100,000 for Sweden’s good health system. |
| ?️ Deductible amount | A higher deductible usually reduces your premium, but it means paying more out of pocket if you claim. | Opt for a higher deductible to save on your premium if you are comfortable covering small expenses yourself. |
| ? Activities planned | Risky activities (skiing, hiking, etc.) add to the cost. Sweden is popular for outdoor sports. | Only select extras for specific activities if you really plan to do them. Do not over-insure for things you will not do. |
| ?❤️? Group vs. solo travel | Family/group coverage is often cheaper per person than solo policies if you travel together. | Bundle with others if traveling as a group to benefit from reduced rates per traveler, and combined coverage options. |
| ? Payment mode | Paying in one lump sum can be cheaper than multiple installments, and some insurers offer discounts. | Pay annually or in full at once to secure the lowest rate. Check if your credit card offers a discount for travel insurance. |
Can I rely on my current insurance to cover me in Sweden?
It is completely legitimate to wonder whether your current coverage, such as credit card insurance or your public health plan, can protect you during a trip to Sweden. Unfortunately, this coverage is often limited or insufficient. Here is a summary table to help you review your current insurance and what it covers.
| Type of insurance | Valid in Sweden? | What it covers | Why Travel Insurance is better |
|---|---|---|---|
| Public health insurance (Medicare, Medicaid) | No, never | No coverage for medical expenses or emergencies abroad. | Travel insurance covers up to $100,000+ plus repatriation. |
| Private health insurance (Aetna, Cigna, UnitedHealthcare) | Yes, partly | Select policies may reimburse some care after return; may exclude repatriation or hospitalization. | Travel insurance covers $100,000+, hospital costs, evacuation, and 24/7 support. |
| Classic credit card (Chase Freedom, Citi Double Cash, Wells Fargo Active Cash) | Yes, partly | Medical emergencies up to $2,500, very limited baggage delay, no trip cancellation. | Travel insurance covers $100,000+, luggage loss, trip interruption, and flight delays. |
| Premium credit card (Chase Sapphire Reserve, Amex Platinum, Capital One Venture X) | Yes, partly | Medical care up to $50,000, limited trip delay and baggage coverage, exclusions for activities. | Travel insurance covers trip cancellation, higher medical limits, and full support during emergencies. |
Example
While skiing in Åre, Sweden, Sarah tore her ACL. The mountain rescue and surgery cost $35,000. Her US health plan had a high out-of-network deductible, and her Chase bank card's insurance excluded "hazardous sports." This left her with a shocking $28,000 bill for what was supposed to be a fun trip.
Expert advice
Always review the terms, exclusions, and limits of your existing insurance. Critical events, like trip interruption for a relative's illness or death, might be excluded. Read your policy carefully to avoid unpleasant surprises abroad. In all cases, purchasing dedicated travel insurance tailored to your trip is safer and more reassuring.
FAQ
Do I need a visa to travel to Sweden?
U.S. citizens do not need a tourist visa for visits to Sweden of less than 90 days. You must travel with a passport that is valid for at least three months after your planned departure. Make sure you have proof of onward or return travel and sufficient funds for your stay.
How do I purchase travel insurance for Sweden?
First, compare available policies using the HelloSafe travel insurance comparison tool for US travelers. Next, check guarantees and exclusions, with attention to health care, theft, and cancellation risks in Sweden. Then, buy your chosen plan online. After purchase, you will receive your insurance certificate by email.
Are Swedish hospitals and health care accessible to tourists?
Yes, Sweden offers quality health care similar to the United States, but non-residents must pay out of pocket for services. U.S. health insurance, including Medicare, is not accepted. Comprehensive travel insurance is recommended to avoid high medical expenses.
What incidents are most common for tourists in Sweden?
While Sweden has a low overall crime rate, incidents of pickpocketing and petty theft do occur, especially in popular areas like Stockholm’s Old Town and on public transportation. Travelers should remain vigilant and keep valuables secure.
Can I get emergency assistance in Sweden if I have travel insurance?
Yes, most travel insurance policies for Sweden provide 24/7 emergency assistance, including help with lost documents, medical emergencies, or evacuation if needed. Be sure to carry your insurer’s contact details and your certificate at all times.
What should I do if I lose my passport in Sweden?
If your passport is lost or stolen while in Sweden, contact the nearest U.S. Embassy or Consulate as soon as possible. File a report at the local police station and keep a copy for your insurance claim and replacement process.
Do I need a visa to travel to Sweden?
U.S. citizens do not need a tourist visa for visits to Sweden of less than 90 days. You must travel with a passport that is valid for at least three months after your planned departure. Make sure you have proof of onward or return travel and sufficient funds for your stay.
How do I purchase travel insurance for Sweden?
First, compare available policies using the HelloSafe travel insurance comparison tool for US travelers. Next, check guarantees and exclusions, with attention to health care, theft, and cancellation risks in Sweden. Then, buy your chosen plan online. After purchase, you will receive your insurance certificate by email.
Are Swedish hospitals and health care accessible to tourists?
Yes, Sweden offers quality health care similar to the United States, but non-residents must pay out of pocket for services. U.S. health insurance, including Medicare, is not accepted. Comprehensive travel insurance is recommended to avoid high medical expenses.
What incidents are most common for tourists in Sweden?
While Sweden has a low overall crime rate, incidents of pickpocketing and petty theft do occur, especially in popular areas like Stockholm’s Old Town and on public transportation. Travelers should remain vigilant and keep valuables secure.
Can I get emergency assistance in Sweden if I have travel insurance?
Yes, most travel insurance policies for Sweden provide 24/7 emergency assistance, including help with lost documents, medical emergencies, or evacuation if needed. Be sure to carry your insurer’s contact details and your certificate at all times.
What should I do if I lose my passport in Sweden?
If your passport is lost or stolen while in Sweden, contact the nearest U.S. Embassy or Consulate as soon as possible. File a report at the local police station and keep a copy for your insurance claim and replacement process.
