FAQ Travel Insurance

Travel insurance is good to have when you travel abroad. It can cover the cost of medical care, lost luggage, cancellations of trips and other unexpected events during the trip. 

If you feel that the travel cover in your home insurance is  not enough

Home insurance includes basic travel cover and is usually valid for 45 days (in some cases 60 days). The content of the basic travel cover can vary depending on which home insurance company you have and whether you have chosen to buy extended travel cover or not. If you want to supplement your travel cover and close the gaps in your home insurance, it may be a good idea to take out travel insurance Plus.    

If you do not have home insurance 

If you do not have home insurance, it is important to buy travel insurance that provides compensation for unforeseen events or expensive hospital stays. The most important thing is that you have travel insurance that covers costs that arise if you need hospital treatment, repatriation at a time other than planned or liability and legal protection. Travel insurance Basic is a good insurance if you do not have any home insurance. Keep in mind that the travel insurance must be taken out and paid for before you start the trip.   

If you have home insurance and are going to be away for longer than 45 days 

The basic travel cover included in the home insurance is valid for 45 days (in some cases 60 days). If you are going to be away longer, it is important to buy insurance from day 46 onwards as you are otherwise completely uninsured if something should happen at the destination. Travel insurance Basic can be taken out from day 46 and provides compensation in the event of bad luck, it covers, among other things, costs for hospital care, repatriation, liability protection, legal protection, luggage and property protection.  

The EHIC entitles you to necessary medical care within the EU/EEA countries and Switzerland on the same terms as residents of the country you are visiting. The card entitles you to the same state care as the country's residents have and at the same prices, but the standard of public hospitals is in many cases significantly lower than what we are used to in Sweden. In addition, the patient fee can be much higher in some countries than in Sweden. The EHIC does not cover repatriation in the event of illness or accident, nor the costs of private medical care.  

The EHIC mainly covers emergency medical and dental care and does not cover, for example, repatriation in the event of illness or accident, costs for hospital treatment that is not deemed necessary, or costs for private healthcare. 

Private travel insurance is more comprehensive and provides broader coverage and may include more benefits such as baggage delays, medical and hospital costs, travel home in case of illness or accident, and other types of assistance and compensation during the trip. So, the difference between the EHIC and a private travel insurance is mainly in the scope of the protection and the various benefits included. 

Having card insurance when you go on a trip is usually not enough. The card insurance is a supplement to the home insurance and the card insurance does not cover, for example, the costs of medical care, repatriation, serious incidents at home, liability costs, etc.  

Depending on which card you have, there are differences in what is included in the card insurance; Cancellation insurance, delay compensation and deductible cover (home and car insurance) are usually included, but there are cards that cover more. It's important to double-check what applies to your card insurance to be sure you have adequate protection during your trip.  

It may be wise to supplement with separate travel insurance to be extra sure that you are well protected. 

The insurance is valid for the benefit of the insured who is stated on the insurance certificate or booking confirmation.  

To buy travel insurance Plus or Basic, the insured person(s) must be a permanently resident in Sweden and covered by the Swedish insurance fund.

Baggage insurance can be taken out by persons who are permanently resident within the EU/EEA (except Croatia).

It depends on the insurance you have taken out. Always read the full terms and conditions when taking out an insurance policy. You can find them where you take out the insurance. 

Travel insurance Plus is a complement to home insurance and strengthens and expands the travel cover you have in your home insurance. Travel insurance Basic is a completely independent travel insurance and is the insurance you should choose if you do not have home insurance or are going to be away for more than 45 days so that the travel cover in your home insurance no longer applies.   

Travel insurance Basic is a good insurance if you do not have any home insurance. If you do not have home insurance, it is important that you buy travel insurance that covers costs if you need medical care, repatriation at a time other than planned or liability and legal protection. If you do not have it, you risk being uninsured on the trip and being completely without protection, which can be very expensive if an accident occurs. Keep in mind that the travel insurance must be taken out and paid for before you start the trip. 

Travel insurance is valid in all countries with the exception of countries or areas that the Ministry for Foreign Affairs or the World Health Organization advises against travelling to. However, if you are already in a country or area when the Ministry for Foreign Affairs advises against it, your insurance applies.  

When you take out the insurance, you state whether your trip is within Europe, the rest of the world or the United States and what period you will be away. The insurance covers all countries within the geographical area you have chosen. The insurance premium is based on your choices.   

You can take out luggage insurance regardless of whether you have other insurances. Luggage insurance insures your luggage and gives it extra protection on the trip. You will receive compensation if your baggage is stolen, lost or delayed for more than 2 hours on both the outbound and return journeys.   

If you do not have home insurance, you can take out both travel insurance Basic and supplement with travel insurance Plus as there are different elements in the insurances. Travel insurance Basic corresponds to what you have in your basic travel cover if you have home insurance. If you do not have home insurance or are going to be away for more than 45 days, you can thus take out both Basic and Plus and get comprehensive protection on the trip.  

If compensation is paid in the form of a lump sum, as is usually the case in the case of transport and baggage delays, you can receive compensation from several different insurances, such as travel insurance Plus, Baggage insurance, card insurance and home insurance if these include the delays.  

The insurance is valid for the insurance period you have chosen and it is stated on the insurance certificate. Travel Insurance Plus and Baggage Insurance start when you leave your home for departure, provided that the premium has been paid.

You can choose to take out travel insurance Basic from day 1 if you do not have home insurance or from day 46 (or 61) if you are going to be away longer than what the home insurance's basic travel cover covers (usually 45 days).

The insurance is valid only if the premium is paid before the insurance period begins.  

Contact Solid Försäkring's customer service on kunder@solidab.se or by phone 0771-113 113 and you will get help with changing the insurance.    

No, our travel insurance must be taken out before you start the trip.   

Yes, provided that the insurance has not expired, it is possible to extend an insurance. Travel Insurance Plus is valid for a maximum of 45 days and Luggage Insurance is valid for up to 30 days. If you want Luggage Insurance for more than 30 days, you can take out an additional insurance. Travel insurance Basic can be taken out for a maximum period of 365 days.  

If the need for insurance has ended, for example if you return home earlier than expected or if you have had to cancel your trip, you can always cancel the insurance. We will then stop the insurance as of the date of return and refund the premium for the remaining time.  

If you are not going to travel and the need for insurance has ended, you always have the right to cancel the insurance and get your money back for the premium.  

In accordance with the provisions of the Act on Distance Contracts and Off-Premises Contracts (2005:59), you have the right to withdraw from contracts entered into at a distance, for example by telephone or the internet, or outside the seller's business premises (right of withdrawal). The cooling-off period is 14 days from the date on which the contract was concluded. The withdrawal period starts to run at the earliest when you have received statutory information and conditions. If you want to exercise your right of withdrawal, you must contact Solid Försäkring within the above mentioned time.  

No, not without Solid Försäkring's consent.  

No, our insurance does not apply to travel to countries or areas that the Ministry for Foreign Affairs advises against travelling to. If, on the other hand, you are already in a country or area when the Ministry for Foreign Affairs advises against it, your insurance applies.  

No, none of our insurances have an age limit.   

Travel Insurance Plus and Luggage Insurance have no deductible.  

On Travel Insurance Basic, there is a 20% deductible (but at least SEK 1500) on liability protection and legal protection, on other elements the deductible is SEK 1000 per damage.  

Solid Försäkringar's travel insurance does not apply in the event of bankruptcy. However, it may be possible to get money back in another way depending on whether the trip is included in a package (the travel guarantee) or if you bought the flight with a credit card. You can read more about this at the Swedish Consumer Agency. 

Travel Insurance Plus will compensate you if you arrive at your destination or back to the starting point of your trip with a delay of more than 2 hours. You must be able to prove the delay by means of a certificate from the transport company.  

If you have taken out Travel Insurance Plus and your baggage arrives at your final destination more than 2 hours after you arrive, you will be compensated for necessary and reasonable additional costs that you incur. On the outward journey, the compensation amount is up to 5000 SEK/person and on the return journey up to 1000 SEK/person.  

In order for compensation to be paid, you need a PIR report (delay certificate from the airline) and an original receipt for your purchases. Purchases made after you have received your bag back will not be refunded.  

If you have Baggage Insurance and your luggage is delayed by more than 2 hours on the outbound or return journey, you will receive compensation of SEK 1000. If the delay is more than 4 hours, you will receive SEK 1,500 and if the luggage is delayed by more than 6 hours, you will receive SEK 2000 in compensation. In order for you to receive compensation, you need a PIR report (delay certificate) from the airline. 

Travel insurance does not cover treatment, travel treatment or repatriation expenses that you have had or sought treatment for during the last 6 months before your departure. Travel insurance is only valid in the event of illnesses and accidents that are sudden and unforeseen during the trip.  

No, the insurance does not cover costs for injuries that occur during risky sports.

Risky sports are those that cannot be considered exercise or leisure activities of normal extent or intensity, such as deep diving, off-piste skiing, bungee jumping, skydiving, etc. 

It is important to see a doctor if you become ill while travelling. Travel Insurance Plus compensates for lost vacation days and can also provide compensation for a new trip if the trip interruption exceeds 50% of the length of the trip. In order for compensation to be provided, you must be able to present a written medical certificate issued by an impartial and qualified doctor at the destination. The first day of illness is the day of the first doctor's visit.  

Travel Insurance Plus provides compensation if, due to acute illness or accidental injury, you have to refrain from the activity that was the main purpose of the trip, according to a written medical certificate. Compensation is paid with a daily share of the price of the trip for each day of the trip that you have lost according to the certificate. In order for compensation to be provided, you must be able to present a written medical certificate issued by an impartial and qualified doctor at the destination. The first day of illness is the day of the first doctor's visit. If the trip interruption exceeds 50% of the length of the trip, compensation will be paid for travel expenses corresponding to the price of the ruined trip (maximum SEK 30,000 per insured person or SEK 100,000 per family or travel companion.  

If you suffer damage to your home, car or rental car after the trip has begun, Travel Insurance Plus will reimburse the deductible with up to SEK 10,000 per damage.   

In order for compensation to be granted, you must have shown normal care and supervision of your property. Otherwise, the compensation may be reduced or not paid. Forgetfulness means that the duty of care is not met.  

When it comes to Travel Insurance Plus and the catch up trip/connection protection element, you must plan the trip so that you are out as early as possible. You must be at the airport no later than two hours before departure within the Nordic region and no later than three hours within Europe and the rest of the world, unless otherwise agreed with the carrier or tour operator. For connecting trips, you must have at least three hours' margin for changing means of transport, unless otherwise agreed with the carrier or tour operator. You also need to take into account the prevailing weather and traffic conditions. 

If immediate help is needed, SOS International should be contacted by phone +46 42 623 66 60. There you can get help around the clock.  

In other cases where you are not in need of help, contact Solid Försäkring's claims department by phone +46 42 623 66 50 or make a claim digitally on www.solidab.se/anmal-skada.  

Compensation from the insurance is paid out within 30 days after you as the insured have fulfilled what is incumbent on you, i.e. submitted a satisfactory claim report together with the documents Solid Försäkring needs to be able to assess the right to compensation.  

Get in touch with FOREX customer service. 

Solid Insurance Company 

Org.nr 516401-8482 

Box 22068, 250 22 Helsingborg 

Customer service: 0771-113 113 

E-mail: kunder@solidab.se 

Website: www.solidab.se 

Solid Försäkring is under the supervision of the Swedish Financial Supervisory Authority.