Supplementary and separate (stand-alone) travel insurance
What is a supplementary travel insurance?
A supplementary travel insurance is an insurance policy that extends / strengthens the travel insurance you have in your home insurance. It can, for example, include:
• Extended protection for the possessions you have brought on the trip.
• Possibility of getting a new trip if you get bedbound for more than half the trip because of illness or an injury.
• Financial compensation for the days where you have not been able to do what you intended (e.g. ear inflammation that prevents you from swimming in the pool).
• Compensation if you are delayed on your outward or return journey.
• You want to avoid the various deductibles that are included in the home insurance travel cover.
Examples of supplementary travel insurances at Europeiska ERV:
• Travel insurance Youth (can also be bought as a separate - standalone - travel insurance)
• Travel insurance Basic (can also be bought as a separate - standalone - travel insurance)
• Travel insurance Plus (can also be bought as a separate - standalone - travel insurance)
What is a separate (stand-alone) travel insurance?
A separate travel insurance (or standalone travel insurance) is a travel insurance that is entirely on its own, i.e. is completely independent from the travel insurance provided by the home insurance companies. A separate travel insurance should always include protection for the largest costs such as Illness and injury, home transport, personal liability and legal expenses etc.
The most common reasons for buying a separate travel insurance are:
• You are going to be away for more than 45 days: The travel insurance in the home insurance usually does not last longer than 45 days (sometimes 60). If your travel insurance has expired and something happens you will have to pay for everything out of your own pocket, to avoid this you can buy a separate travel insurance for that period.
• You do not have a home insurance: If you do not have a home insurance it is important that you buy a separate travel insurance that is valid from day 1 of your trip, otherwise you are completely unprotected if something should happen during your stay abroad.
• You want to engage in so-called risky activities during your trip: The travel insurance in the home insurance does not normally cover risky activities such as skiing off-piste, motor sports, mountaineering etc. if you hurt yourself when you exercise a so-called risky activity and don’t have an insurance that covers that activity you will have to pay for health care costs, home transport etc. out of your own pocket.
• You are going to study abroad: If you are going to study abroad on your own (i.e. independent of an exchange agreement via a Swedish university), the travel insurance in the home insurance does not apply during the period of study. You must then purchase a separate travel insurance specially designed for studying abroad.
Examples of separate (stand-alone) travel insurance at Europeiska ERV:
• Travel insurance Youth* (suitable for those who will be away for more than 45 days or lack home insurance)
• Travel Insurance Basic* (suitable for those who will be away for more than 45 days or lack home insurance)
• Travel insurance Plus* (suitable for those who will be away for more than 45 days or without home insurance)
• Travel insurance Extreme Sport (If you are going to take on risky activities on the trip)
• Travel insurance Study Abroad (If you going to study abroad)
* For trips of less than 45 days, Travel Insurance Young, Basic and Plus can either function as a supplement to home insurance or as a separate travel insurance. All you need to do in order for the insurance to work as a separate travel insurance is to add the option Sickness and accident. For trips of more than 45 days, sickness and accident are automatically included