Depending on the type of policy you choose, insurance can cover you for everything from medical expenses and luggage loss to cancellations or delays in your travel arrangements.

In Sweden, EU citizens pay a fee for all medical treatment (including emergency admissions), but showing an EHIC (European Health Insurance Card) form will make matters much easier. Enquire about the EHIC well in advance at your social-security office, travel agent or local post office. Travel insurance is still advisable, however, as it allows treatment flexibility and will also cover ambulance and repatriation costs.

If you do need health insurance, remember that some policies offer ‘lower’ and ‘higher’ medical-expense options, but the higher one is chiefly for countries that have extremely high medical costs, such as the USA. Everyone should be covered for the worst possible scenario, such as an accident requiring an ambulance, hospital treatment or an emergency flight home. You may prefer a policy that pays health-care providers directly, rather than your having to pay on the spot and claim later.

Worldwide travel insurance is available at You can buy, extend and claim travel insurance online any time – even if you’re already on the road.

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