What travel insurance do I need when visiting Sweden?

Travel insurance for Sweden: How to discover Scandinavia problem-free

With its capital in Stockholm, and other major cities including Malmo and Gothenburg, Sweden is great for a city break. Or if you are feeling more adventurous, you can throw yourself into seeing its stunning natural sights, such as its beautiful Nordic forests and lakes, or its rugged Baltic coast.

Sweden is one of the countries of the Schengen Area. Just as pleasant to visit in winter as in summer, the nation is an ideal destination for any nature lover. With evidence of travel insurance for Sweden, and the other documents required to obtain your visa, you will be able to set off for an unforgettable journey with complete peace of mind.

Set off for Sweden with your Schengen Visa

Do you need a Schengen Visa to visit Sweden? Click here to visit the website of the Swedish embassy and to learn more about the documents and procedures required to obtain your visa.

It’s useful to know that you will definitely require travel insurance for Sweden - evidence of such will be requested upon issuance of your visa. You should also know that with your Schengen Visa, you will be able to move around the Schengen Area’s 25 countries in complete freedom.

Travel insurance for Sweden

There are a number of coverage options when you take out travel insurance for Sweden, but the only compulsory condition of your policy is that it must cover emergency medical expenses and costs of repatriation, up to a minimum of €30,000. You can also select an option that ensures the certification of your documents by the embassies and consulates.

When choosing your travel insurance for Sweden, don’t hesitate to inform yourself about the many additional coverage options you may be able to take advantage of in order to be perfectly protected. These include daily compensation in the event of hospitalization, handling of communication expenses, delivery of vital medication, glasses, contact lenses, and prostheses.

How do I get to Sweden?

By plane: Many airlines such as SAS Scandinavian Airlines, Air France, Ryanair, and Norwegian provide daily flights to Stockholm, as well as Gothenburg. When traveling to the Swedish capital, most international flights land at Stockholm Arlanda Airport. AirBaltic offers flights to Umeå and Luleå.

By car: Driving is a great way to experience the most breathtaking places in Sweden. From north to south, the nation stretches almost 1600 km from the wilderness above the arctic circle in Swedish Lapland, all the way down to the farmlands of the south. In between, you’ll find plenty of stunning views, picturesque cities, and scenic routes, all while enjoying the tranquil Nordic ambiance.

By train: Sweden is connected to Copenhagen and Denmark by high-speed rail links, as are its biggest cities like Stockholm and Malmo. Slower trains that run over more scenic routes are a great way to see different parts of the country.

By ferry: you can take a ferry from Denmark or Germany. There are several guaranteed daily connections to Rødby, Varberg, Trelleborg, and Gothenburg, among others. Journeys can be quite long, but it is an excellent way of traveling without your car.

Advice on health and vaccinations

There are no compulsory vaccinations. Yet, it is recommended that you be vaccinated against diphtheria, tetanus, and polio, as well as tick-borne encephalitis if you are visiting rural areas in the spring or summer. Don’t hesitate to consult your doctor if you have any doubts.


The proximity of the Gulf Stream enables Sweden to avoid large variations in temperature. The weather can be unpredictable, however, especially in the spring and summer. You are advised to plan for potential rainfall – even on fine days – and, of course, to take warm, waterproof clothing in winter, as the thermometer can drop very low, especially in the far north of the country.

Discover Sweden

- You will probably begin your journey in Sweden by exploring the capital, Stockholm. A city of beautiful architecture, it also boasts many green spaces. Must-sees include the façades of the Old Town, as well as the Town Hall with its mosaic-covered walls. Check out The Royal Palace to immerse yourself in the world of Swedish royalty, and to find out more about the country’s culture, head to the Nordic and Vasa Museums.

- Gothenburg is perfect for those seeking both nature and culture. This welcoming green city invites you to a visit spent walking and relaxing.

- If you want to get your fill of nature, you’ll be spoilt for choice in Sweden. From Lake Siljan to the islands of Gotland and Öland, you will love finding yourself in the middle of ever-changing, contrasting landscapes. Abisko National Park will offer you abundant opportunities for picturesque hikes. It is also one of the locations favored by Swedes for admiring the aurora borealis (northern lights).

- Gotland, in particular, is well worth a visit. There’s a healthy mixture of nightlife in the main town of Visby, while you can enjoy the rural charms of the rest of the island in your downtime. Gotland is a favorite of Swedish sun worshippers as it enjoys the most hours of this each year in the country.

- Admire the midnight sun. Head to the north of the polar circle to see the sun in the middle of the night. This phenomenon is visible from spring until the middle to July.

- See the aurora borealis. In order to do so, you will have to travel to the far north during winter. The sky will also have to be relatively cloudless on the day. Distance yourself from the artificial light sources of the cities and aim for the period between February and April.


It is recommended that you remain vigilant with regards to the pickpockets present in cities and tourist areas, especially in stations, cafes, restaurants, and even hotels.

Practical information

If you hire a car, remember that it is compulsory to use dipped headlights, even during the day. The maximum blood-alcohol level is 0.2g/liter, and it is recommended that you remain very vigilant with regards to animals crossing the roads outside of the towns, including elk, deer, reindeer, and more.

The Swedish currency is the Swedish Krona (crown). There are plenty of bureau de change branches in the capital, as well as in the other cities. You can also withdraw money directly from ATMs with your bank card.

In general, shops are open from 9.30am to 6pm, closing early on Saturdays, at 4pm. Some supermarket chains remain open until 10pm.

You won’t have any problem making yourself understood in English. Scandinavians learn to speak the language from a very young age.

In accordance with the information provided by the European Commission, a foreigner who needs a visa to enter the territory of Sweden must be able to attest to possessing 450 Swedish Krona or €48.26 per day of their stay when applying for a Swedish Schengen Visa.

How can AXA help?

AXA can help by providing you with Low Cost Schengen Area travel insurance that meets your visa requirements when traveling to Sweden and the other Schengen states from as little as €0.99 per day - a fee that will cover you for medical expenses up to €30,000 in all Schengen countries. A certificate proving you are insured will be available immediately, meaning you can get on with your application.

AXA is the number one brand for Schengen Visa insurance, and offers assistance 24/7, as well as other options and tailor-made products. Other coverage available includes the Europe Travel insurance, costing €1.50 per day, or the Schengen Multi Trip insurance, which is perfect for regular travelers and is available from €298 for a year’s coverage.

Frequently asked questions about travel insurance to Sweden

What happens if I give AXA the wrong information?

All the information you give us must be accurate to the best of your knowledge and belief, and it’s your responsibility to make sure that it’s updated if it changes. If it is not, your policy may be canceled or, in extreme deliberate cases, investigated for fraud.

Will my travel insurance fees be refunded if my visa is refused?

Yes. If your visa is refused, AXA will refund your insurance fees - but you will need to provide documentation specifying the reason for refusal.

Will my insurance cover me for multiple trips to Sweden?

This will depend on the type of insurance you buy - our low cost or Europe Travel insurance will cover you for trips within the Schengen Area for up to 90 days. If you are planning multiple trips over the course of a year, you may, however, be better off with our annual Multi Trip policy.