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Colorful old-town buildings and a church spire in Stockholm's Södermalm district at sunset, overlooking the waterfront with boats along the promenade.

Travel Insurance for Sweden

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Fully Covered with LUMA

Whether you are exploring Stockholm or heading into the archipelago, LUMA travel insurance helps you stay covered in Sweden.
  • 4.8
  • 4.0 Rating

  • Trusted by 100,000+ travelers

  • A decade of travel cover

  • Backed by medical guidance

  • Instant online purchase

Is My Baggage, Health, Trip Covered?

  • damage, loss
  • sudden sickness, hospital expense
  • delays, cancellations

Yes!

  • On-the-ground teams and global partners ensure care is always nearby.

    Hands

  • 24/7 English-speaking assistance with coverage curated for Sweden

    Calling

  • Practical support backed by decade-long experience and deep-rooted hospital networks.

    Shield

  • Direct access to our in-house medical team (Medipro) for real medical advice.

    Stethoscope
Sweden calling? We go above and beyond to make sure your trip stays golden.
  • Elderly man seated outside a storefront with a fruit display, beneath a doorway decorated with hanging flowers.
    Grid of colorful souvenir magnets depicting Stockholm Old Town landmarks and Swedish scenes.
    A tall, deep red stepped-gable building with ornate detailing stands beside an orange building, set against a bright blue sky.

    01 Fell ill during your Sweden trip?

    A fever, infection, or sudden injury can quickly derail your plans, especially when you are moving between Stockholm, Gothenburg, and Malmö. Medical care is easy to access, but non-residents may need to pay upfront. Medipro can advise you on whether to see a doctor, while LUMA covers consultation, treatment, and medication costs so getting better stays the only priority.

  • Small red wooden church with a tall bell tower, set on a lawn with flower beds.
    Brick building with a stepped gable beside a canal, with a swan floating on the water.
    A waterfront cityscape with historic buildings and church spires along the shore, seen across calm water with a bridge pillar in the foreground.

    02 Medical emergency in Swedish Lapland or the far north?

    Chasing the Northern Lights or hiking the Kungsleden trail in summer are genuinely extraordinary experiences, but Swedish Lapland is remote, and a serious illness or injury up here means a long way from a well-equipped hospital. If local facilities can't provide the care you need, LUMA helps arrange medical evacuation to a better-equipped hospital. Every LUMA plan includes evacuation cover, which matters more in the far north where care can be hard to reach.

  • Neoclassical building facade with columned entrance, with people walking on the cobblestone square in front.
    Narrow cobblestone alley between old buildings, with a church spire visible ahead.
    A small coastal fishing village with red and white houses nestled among rocky, weathered shoreline, overlooking a calm blue harbor.

    03 Sweden trip cancelled before departure?

    A trip to Sweden can involve more upfront planning than you expect. Flights and hotel bookings are often paid for months before departure and may come with strict cancellation terms. If illness, injury, a family emergency, or another covered event forces you to cancel, LUMA can help recover those prepaid costs so one difficult situation does not lead to a second financial setback.

  • Waterfront view of Stockholm with boats moored along the quay and a row of grand buildings in the background.
    Stockholm City Hall's tower rising above a frozen, snow-covered waterway, with a boat docked nearby.
    A traditional red wooden windmill with tall wooden sails stands beside a path near water, under a pale blue sky.

    04 Tick bite after hiking in a Swedish forest or national park?

    Sweden's forests are gorgeous, but Tick-borne encephalitis (TBE) and Lyme disease are real risks, carried by ticks in wooded and grassy areas. The catch is that symptoms can take days to surface after the bite, and a serious case needs testing and monitoring. Medipro can help you decide whether your symptoms need a doctor, and LUMA covers the medical costs if you do.

  • Colorful old town square lined with red, yellow, and orange buildings, filled with pedestrians.
    Red brick church tower with a green dome, seen from a small plaza with outdoor seating.
    A hot air balloon floats over a waterfront city skyline at dusk, with church spires and boats visible along the harbor below.

    05 Bag or belongings stolen in a busy area?

    Stockholm’s metro and busy transport hubs are common spots for petty theft. Phones, wallets, and bags can disappear quickly in crowded areas, especially when your attention is elsewhere. If something is stolen, LUMA can help cover the loss so you can replace what you need and continue your trip.

Cobblestone street lined with yellow and red buildings, with outdoor café umbrellas and hanging shop signs.
Narrow cobblestone alley between old European buildings, with a church spire visible in the distance.
Stockholm City Hall's tower reflected in the still water beside it, under a clear blue sky.
Gothic-style brick church with twin spires, seen from a park at dusk.
Close-up view of a stone cathedral's tower and rounded apse against a clear blue sky.
Wooden boardwalk beside red buildings leading to boats moored along the water, with a rocky hill in the background.
Crowd of pedestrians on a cobblestone street in the Haga district, with a sign reading "HAGA" strung between buildings.
Ornate church interior with a vaulted ceiling, elaborate carved pulpit, and a person walking down the central aisle.
Red Swedish wooden houses on a wooded hillside, reflected in a calm canal below.
Tall narrow stone tower building with crenellated top and small arched windows, against a cloudy sky.
Elderly man seated outside a storefront with a fruit display, beneath a doorway decorated with hanging flowers.
Grid of colorful souvenir magnets depicting Stockholm Old Town landmarks and Swedish scenes.
Small red wooden church with a tall bell tower, set on a lawn with flower beds.
Brick building with a stepped gable beside a canal, with a swan floating on the water.
Neoclassical building facade with columned entrance, with people walking on the cobblestone square in front.
Narrow cobblestone alley between old buildings, with a church spire visible ahead.
Waterfront view of Stockholm with boats moored along the quay and a row of grand buildings in the background.
Stockholm City Hall's tower rising above a frozen, snow-covered waterway, with a boat docked nearby.
Colorful old town square lined with red, yellow, and orange buildings, filled with pedestrians.
Blue and white tram traveling along a city street lined with buildings.

Your Sweden Travel Insurance Questions, Answered

Traditional red Swedish farmhouse with a Swedish flag, set behind a vivid yellow rapeseed field with forested hills in the background.

Yes, in specific areas. Stockholm Central Station, the tunnelbana, and busy tourist areas during peak summer season are where most reported theft happens. Organised teams work in groups using distraction techniques. Keep valuables in a front zip pocket, stay alert on public transport, and don't leave bags unattended at outdoor cafés or markets. If something is stolen, report it to the Swedish police on 114 14 and keep the report for any baggage claim under your LUMA policy.

Yes, in wooded, grassy and rural areas. TBE and Lyme disease are real risks in Sweden's forests, particularly in areas around Stockholm, on the islands of the archipelago, and across southern and central Sweden. Wear long sleeves and trousers in forested areas, use insect repellent, and check carefully for ticks after outdoor activity. If you develop symptoms after a hike and need testing or treatment, LUMA covers the medical expenses under your plan.

Yes. Sweden has excellent hospitals, with Karolinska University Hospital in Stockholm handling major emergencies, but private clinics require full upfront payment from non-residents and costs can be significant for hospital stays or emergency procedures. LUMA covers medical expenses under your plan, and Medipro can help you decide whether your symptoms need a doctor and what kind of facility makes sense.

Yes. Swedish Lapland sits among Europe's most remote destinations, and the nearest major hospital can be hours away even in good conditions. A serious illness or injury while exploring the wilderness puts real distance between you and the care you need, and arranging evacuation without help is both complicated and expensive. LUMA arranges medical evacuation and covers the costs, and every LUMA plan includes this as standard. For a trip this far north, the distance alone is what turns a manageable situation into a serious one, which is why evacuation cover is the benefit that matters most on a Lapland trip.

Yes. Schengen visa applicants must provide proof of travel insurance with at least €30,000 in medical and repatriation coverage. The policy must remain valid across all 29 Schengen countries for the full duration of the trip. Every LUMA plan includes medical coverage of USD 50,000 or more, meeting the minimum insurance requirement. Travelers from visa-exempt countries can stay for up to 90 days within 180 days without a visa.

Yes, significantly in the far north and during severe winters across the country. Swedish winters bring ice, heavy snowfall, and extremely limited daylight hours in Lapland, where polar nights mean the sun doesn't rise for weeks at a time. Road conditions can be dangerous, and flights into smaller northern airports like Kiruna and Umeå are weather-sensitive. Monitor the Swedish Meteorological and Hydrological Institute at smhi.se before any winter travel day. If a covered flight delay meets your policy's minimum delay period, LUMA's flight delay cover can help with reasonable expenses like meals or an overnight stay.

Go places, we’ve got you covered.

  • Waterfront view of Stockholm with boats moored along the quay and a row of grand buildings in the background.
  • Autumn scene along a canal in Stockholm, with a tree-lined path in fall colors beside iron railings and a stone building visible through the foliage.
    Sweden
  • Stockholm City Hall's tower reflected in the still water beside it, under a clear blue sky.

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