The Best Travel Insurance Plans for Sweden in 2025
- The best travel insurance plans for Sweden
- Is it currently safe to travel to Sweden?
- Is travel insurance required by law to enter Sweden?
- Why take out travel insurance for Sweden?
- What your travel insurance for Sweden should cover
- The Cost of Travel Insurance for Sweden
- How can you 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 personal liability.
2. Key protection: Travel insurance is not mandatory for Australians but is highly recommended for comprehensive protection.
3. Healthcare cost: Healthcare costs are high; a hospital stay can cost over A$450 per night for visitors.
4. Price: A one-week travel insurance policy for Sweden typically costs between A$40 and A$80.
5. Good to know: Australia's RHCA covers urgent care but not medical evacuation or non-subsidised medicines.
Why trust HelloSafe?
HelloSafe is an international specialist in travel insurance comparison, advising over one million travellers every month. After analysing 41 travel insurance policies available in Australia, our experts share here everything you need to know to choose the best travel insurance for Sweden.
The best travel insurance plans for Sweden
| Contract we recommend | Medical reimbursement limit | Our view |
|---|---|---|
| HelloTravel Premium | AUD 1.6M | Our recommendation for travel to Sweden. - very high medical cover - repatriation included - comprehensive, modern guarantees |
| Cap Assistance 24/24 | AUD 1.6M | Reliable for Sweden, a solid option for short trips. - 24/7 medical helpline - cancellation cover - no deductible |
| Tourist Card | AUD 800K | A practical option for visitors needing robust basic protection. - good medical cover - emergency assistance - attractive pricing |
| Travel Pass Monde | AUD 1.1M | A balanced contract, providing thorough support for Sweden trips. - repatriation covered - hospital costs included - global assistance |
| Globe Partner | AUD 480K | Suitable for international stays, with essential medical and liability cover. - medical care abroad - repatriation - civil liability |
| Globe Traveller | AUD 800K | Affordable solution for short or lower-risk travel. - essential medical cover - fast reimbursement - limited ceiling |
- very high medical cover
- repatriation included
- comprehensive, modern guarantees
- 24/7 medical helpline
- cancellation cover
- no deductible
- good medical cover
- emergency assistance
- attractive pricing
- repatriation covered
- hospital costs included
- global assistance
- medical care abroad
- repatriation
- civil liability
- essential medical cover
- fast reimbursement
- limited ceiling
Is it currently safe to travel to Sweden?
As of June 2025, the Department of Foreign Affairs and Trade (DFAT) rates Sweden at exercise normal safety precautions, which means travel is considered safe while remaining alert to potential risks.
- Security risks: public spaces, including transport hubs and crowded areas in Stockholm and Malmö, require vigilance due to an elevated terrorism threat and occasional gang-related violence, especially after dark.
- Health risks: tick-borne encephalitis and Lyme disease are present in forests and rural areas between March and November. The Reciprocal Health Care Agreement only covers emergency treatment, not medical evacuation or ongoing care.
- Legal constraints: the blood alcohol limit for drivers is strictly 0.02%, and roadside checks are common. Carry valid identification at all times, as police may request it during routine controls.
- Environmental precautions: severe winter conditions can cause significant transport delays and hazardous travel, particularly in northern regions and during heavy snowfall.
Although not required, travel insurance is strongly recommended by the Australian Department of Foreign Affairs and Trade, particularly to cover medical expenses and emergency repatriation, which can be extremely costly in Sweden.
Is travel insurance required by law to enter Sweden?
No, travel insurance is not mandatory for Australian citizens visiting Sweden for short stays.
It remains strongly recommended by the Australian Department of Foreign Affairs and Trade because the Reciprocal Health Care Agreement covers only emergency treatment and excludes evacuation, ongoing care, or prescription medication. Private clinics in Stockholm, Gothenburg and Malmö require up-front payment, and repatriation or specialised care can be very expensive.
According to our data, 50% of travellers purchase travel insurance before going to Sweden. This figure reflects the country’s high safety level but also the potential for unexpected medical costs.
Why take out travel insurance for Sweden?
It is an essential financial and medical protection for anyone going to Sweden.
Although Sweden’s public hospitals such as Karolinska University Hospital in Stockholm provide high-quality emergency care, Australians must pay out-of-pocket for most treatments beyond emergencies under the reciprocal agreement. Private clinics in Stockholm, Gothenburg or Malmö require full up-front payment for care, and the cost of repatriation or ongoing treatment is not included.
Travel insurance covers medical fees, hospitalisation, medication, ambulance transport and emergency repatriation to Australia in the event of a serious incident.
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 | SEK 20,000 (AUD 2,900) | up to SEK 300,000 (AUD 43,700) |
| I broke my tibia (X-ray, cast, and crutch rental) | SEK 14,000 (AUD 2,000) | up to SEK 300,000 (AUD 43,700) |
| I need to be repatriated | SEK 160,000 (AUD 23,300) | up to SEK 300,000 (AUD 43,700) |
| I have appendicitis (consultation and surgery) | SEK 50,000 (AUD 7,300) | up to SEK 300,000 (AUD 43,700) |
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 your travel insurance for Sweden should cover
Here is a summary table of the main coverages you should look for in a travel insurance policy for Sweden.
| Main coverages | Explanations and recommendations |
|---|---|
| 🏥 Medical expenses | Covers hospitalisation, consultations, and emergency care whether in public or private hospitals. We recommend at least AUD 250,000. |
| ✈️ Emergency repatriation | Pays for evacuation or return flight to Australia in case of severe illness or accident. Choose a policy with at least AUD 120,000. |
| 🧳 Lost or stolen luggage | Covers loss, theft, or damage of baggage or personal effects during your journey. Select a cover of at least AUD 5,000. |
| 🦷 Dental emergencies | Pays urgent dental care following accidental injury. A minimum reimbursement of AUD 1,000 is recommended. |
| 🚗 Rental car excess | Reimburses the excess in case of rental car accident or theft. Seek at least AUD 4,000 cover. |
| 🚑 Personal liability | Covers costs if you accidentally injure someone or damage their property. We recommend cover of at least AUD 2,000,000. |
| 🏔️ Search and rescue | Includes rescue costs in case of accident in remote or natural areas, especially relevant for outdoor activities. At least AUD 10,000. |
| ⛷️ Sports and activities | Essential if you plan to ski, hike, or take part in Swedish outdoor sports. Make sure your policy includes sports coverage if needed. |
We recommend at least AUD 250,000.
Choose a policy with at least AUD 120,000.
Select a cover of at least AUD 5,000.
A minimum reimbursement of AUD 1,000 is recommended.
Seek at least AUD 4,000 cover.
We recommend cover of at least AUD 2,000,000.
At least AUD 10,000.
Make sure your policy includes sports coverage if needed.
Travel insurance from local providers or bank cards often comes with lower limits and many exclusions. It is safer to choose a reputable insurer offering comprehensive cover. Compare top policies on HelloSafe and sign up online for instant certification.
The Cost of Travel Insurance for Sweden
| Trip duration | Traveler’s age | Indicative price per person |
|---|---|---|
| 1 week | 25 years old | AUD 34 |
| 2 weeks | 45 years old | AUD 56 |
| 1 month | 35 years old | AUD 77 |
| 1 month | 70 years old | AUD 185 |
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 for Sweden is influenced by several factors. These typically include your age, the duration of your trip, your chosen level of cover, and any pre-existing medical conditions. Remember that optional extras, like winter sports cover, can also impact the final cost. Considering these helps you select the best policy.
💡 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 can you 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 length of your trip directly impacts the premium for insurance. | Select coverage for only your confirmed travel dates to avoid paying more than you need. |
| 🧑 Traveller's age | Older age often increases premiums, but pricing differences exist. | The insurer Heymondo does not increase its prices for people over 62. Compare several insurers before buying. |
| 👨👩👧👦 Group/family policy | Policies covering families or groups can lower average costs per person. | Choose a group or family policy if travelling together for overall cost efficiency. |
| 🌍 Level of coverage | Medical emergencies in Sweden are expensive if not covered under RHCA. | Pick only truly essential options based on activities and planned destinations. |
| 🏥 Medical limits | Emergency evacuation or specialist care may be needed in remote areas. | Set your medical coverage limit based on your itinerary and medical history, not default highest options. |
| 🧳 Excess/deductible amount | Higher excess lowers premium, but increases out-of-pocket expenses. | Increase the excess only if you can afford to pay that sum for smaller claims. |
| 🕒 Policy type | Single-trip policies suit holidays, annual covers may benefit frequent flyers. | Only purchase multi-trip coverage if you will travel repeatedly within the year. |
Can I rely on my current insurance to cover me in Sweden?
It is completely legitimate to wonder if your current insurance—such as your public health system or credit card cover—can protect you during a trip to Sweden. Unfortunately, this coverage is often restricted 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, RHCA) | Limited coverage | Emergency medical care only, no coverage for medical evacuation, private care, or ongoing treatment. | Travel insurance can reimburse up to AUD 300,000 for urgent care, evacuation, repatriation, lost luggage, theft, and cancellations. |
| Private health insurance | Limited coverage | Sometimes elective treatment, rarely includes repatriation or trip interruptions, usually low limits. | Travel insurance covers up to AUD 1,000,000 plus 24/7 assistance, trip interruption, and covers for activities not usually included in private insurance. |
| Classic credit card (ANZ First, CommBank Low Rate) | Limited coverage | Accident cover or delayed baggage. Caps health costs at about AUD 2,500, strict conditions. | Travel insurance provides higher limits, up to AUD 20,000 or more, expanded coverage for activities, unused travel services, and baggage loss. |
| Premium credit card (Westpac Altitude Black, NAB Qantas Rewards Signature) | Limited coverage | Some medical/delay cover, max payout often AUD 20,000–60,000, high excess, strict eligibility. | Travel insurance offers up to AUD 1,000,000 for medical, covers adventure sports, pre-existing conditions, delayed transport, and legal liability. |
Example
While hiking, Aussie tourist Liam contracted tick-borne encephalitis. Sweden's Reciprocal Health Care Agreement covered only initial emergency care. His extended hospital stay and medical repatriation cost AU$45,000. His CommBank card offered no travel cover, leaving him with a massive bill from what seemed like a simple tick bite.
Expert advice
Don't assume your bank card or health insurance has you covered. Trip interruption for a relative’s illness is often excluded. Read your policy's fine print to avoid nasty surprises abroad. In all cases, getting dedicated travel insurance tailored to your trip is safer and more reassuring.
FAQ
Do I need a visa to travel to Sweden?
Australian citizens do not need a visa to travel to Sweden for stays of up to 90 days within a 180-day period. Your Australian passport must be valid for at least three months after your intended departure from the Schengen area. Entry may also require proof of funds, return tickets, and accommodation.
How do I purchase travel insurance for Sweden?
Start by using the HelloSafe travel insurance comparison tool to assess available policies. Carefully check the cover and exclusions, keeping Sweden’s requirements and climate in mind. Select and buy your preferred insurance policy online. You will receive a certificate to present as proof if needed.
Does the Reciprocal Health Care Agreement (RHCA) with Sweden fully protect me?
The RHCA lets Australians access emergency medical services in Sweden for short stays but does not cover medical evacuation, ongoing treatments, or prescriptions. Private travel insurance is recommended to ensure full financial protection for unexpected costs such as hospital stays or return flights.
What should I do if my belongings are stolen or lost in Sweden?
Sweden, like other European countries, has issues with theft in tourist areas and on public transport. Report the theft immediately to the local police to obtain a report and contact your travel insurer. Precise documentation of incidents and receipts will help process your claim faster.
Are there any health risks travellers from Australia should consider in Sweden?
Health risks in Sweden are low, but you should be aware of tick-borne illnesses such as encephalitis and Lyme disease from March to November in rural and wooded regions. Vaccination is recommended if hiking or camping. Ensure you pack prescribed medications and check for local medical support in rural areas.
What is the national emergency number in Sweden and what consular help is available?
In case of any emergency in Sweden, dial 112 for police, fire, or medical services. For urgent consular support, the Australian Embassy in Stockholm is your main point of contact, or you can call the 24-hour Consular Emergency Centre on +61 2 6261 3305 from overseas.
Do I need a visa to travel to Sweden?
Australian citizens do not need a visa to travel to Sweden for stays of up to 90 days within a 180-day period. Your Australian passport must be valid for at least three months after your intended departure from the Schengen area. Entry may also require proof of funds, return tickets, and accommodation.
How do I purchase travel insurance for Sweden?
Start by using the HelloSafe travel insurance comparison tool to assess available policies. Carefully check the cover and exclusions, keeping Sweden’s requirements and climate in mind. Select and buy your preferred insurance policy online. You will receive a certificate to present as proof if needed.
Does the Reciprocal Health Care Agreement (RHCA) with Sweden fully protect me?
The RHCA lets Australians access emergency medical services in Sweden for short stays but does not cover medical evacuation, ongoing treatments, or prescriptions. Private travel insurance is recommended to ensure full financial protection for unexpected costs such as hospital stays or return flights.
What should I do if my belongings are stolen or lost in Sweden?
Sweden, like other European countries, has issues with theft in tourist areas and on public transport. Report the theft immediately to the local police to obtain a report and contact your travel insurer. Precise documentation of incidents and receipts will help process your claim faster.
Are there any health risks travellers from Australia should consider in Sweden?
Health risks in Sweden are low, but you should be aware of tick-borne illnesses such as encephalitis and Lyme disease from March to November in rural and wooded regions. Vaccination is recommended if hiking or camping. Ensure you pack prescribed medications and check for local medical support in rural areas.
What is the national emergency number in Sweden and what consular help is available?
In case of any emergency in Sweden, dial 112 for police, fire, or medical services. For urgent consular support, the Australian Embassy in Stockholm is your main point of contact, or you can call the 24-hour Consular Emergency Centre on +61 2 6261 3305 from overseas.
