Sweden travel insurance and destination guide

May 30, 2025

This guide provides essential information about travel insurance for Sweden, must-visit destinations, and practical travel advice to help you navigate this Scandinavian nation safely and confidently.

Sweden, a Nordic gem known for its pristine landscapes, progressive culture, and exceptional quality of life, offers travelers a unique blend of natural beauty and urban sophistication. From the archipelagos of Stockholm to the Northern Lights of Lapland, and from the medieval streets of Gamla Stan to the modern design capitals of Malmö and Gothenburg, Sweden presents diverse experiences for every type of explorer.

For reliable coverage, consider UnitedHealthcare Global SafeTrip travel insurance, which offers protection for medical emergencies, trip cancellations, and more.

Travel protection for Sweden

While Sweden boasts excellent health care and safety standards, unexpected situations can still arise during your travels. Having appropriate travel protection for your journey through Sweden can make a significant difference if you encounter medical issues, travel disruptions, or other emergencies while exploring this Nordic nation.

Why you need travel insurance in Sweden

Sweden offers travelers remarkable experiences, but like any destination, unexpected events can disrupt your plans, making travel insurance advisable for a more confident journey.

• Medical expenses: Though Sweden has excellent health care facilities, costs for visitors can be substantial. Travel insurance can help cover medical expenses, including hospital stays and emergency medical evacuation.
• Winter conditions: Sweden's harsh winter weather can cause transportation delays and disruptions. Travel protection can help reimburse you for additional accommodation or rebooking costs if weather affects your itinerary.
• Lost belongings: Travel insurance can help recover costs for lost luggage, passports, or valuable items while traveling through Sweden's cities or rural areas.
• Trip cancellations: Unexpected events might force you to cancel or cut short your trip. Travel protection can reimburse non-refundable expenses like flights and accommodations.
• Remote activities: If you're planning outdoor adventures in Sweden's wilderness areas, travel insurance can provide coverage for accidents during activities like hiking, skiing, or Northern Lights expeditions.

What to consider when choosing a tailored travel insurance plan

When selecting travel protection for Sweden, consider several important factors to ensure adequate coverage. First, evaluate the level of medical benefits offered, as health care costs in Sweden can be high for foreign visitors. Look for plans that include emergency medical evacuation coverage, particularly if you'll be exploring remote areas of northern Sweden.

Consider coverage for winter sports if your itinerary includes skiing or other cold-weather activities popular throughout the country. Trip cancellation and interruption coverage is valuable given Sweden's occasionally unpredictable weather conditions, especially during winter months. Additionally, seek plans with 24/7 multilingual support services that can assist you in navigating Sweden's health care system if needed.

SafeTrip travel insurance plans

SafeTrip offers travel protection plans designed to meet the diverse needs of travelers heading to Sweden:

International Travel Medical Plus

The SafeTrip International Travel Medical Plus plan provides robust coverage for travelers to Sweden, combining emergency medical benefits, emergency medical evacuation, trip cancellation/interruption protection, and 24/7 support services. This option is ideal whether you're exploring Stockholm's historic districts, hiking through national parks, or experiencing the Northern Lights in Lapland.

The plan offers added confidence for adventurous travelers planning activities in Sweden's diverse environments, from archipelago sailing to Arctic wilderness exploration. With coverage for both medical emergencies and trip disruptions, this plan allows you to fully embrace Sweden's natural wonders and cultural attractions with less worry about potential financial impacts of unexpected events.

International Travel Medical

The International Travel Medical plan focuses primarily on health coverage, offering robust medical benefits including emergency medical evacuation and medical referrals. This plan is well-suited for travelers to Sweden whose main concern is health security while exploring the country. It's particularly appropriate for longer stays or for those who already have trip cancellation coverage through other means.

The plan provides added confidence when facing potential health risks in Sweden, whether you're experiencing the Midnight Sun in northern regions, exploring Stockholm's archipelago, or visiting remote coastal villages. With Sweden's excellent but potentially expensive health care system, having dedicated medical coverage can help protect against unexpected costs.

All SafeTrip plans include 24/7 support from their assistance center, ensuring help is just a phone call away regardless of where you are in Sweden. From Stockholm's modern urban center to the Arctic wilderness, SafeTrip plans allow you to focus on experiencing Sweden's remarkable culture and landscapes rather than worrying about potential emergencies. Each plan is designed to provide appropriate protection levels based on your travel needs, activities planned, and risk tolerance while visiting this Scandinavian nation.

Traveling to Sweden

Sweden offers visitors a perfect blend of natural beauty, cultural experiences, and modern amenities across its diverse regions, from sophisticated urban centers to untouched wilderness areas.

Places to go and things to do

Sweden presents a wealth of experiences for travelers seeking both natural wonders and cultural treasures:

1. Stockholm: Explore the capital's 14 islands, visit the Royal Palace, wander through Gamla Stan (Old Town), and experience the unique Vasa Museum housing a perfectly preserved 17th-century warship.
2. Gothenburg: Discover Sweden's second-largest city with its charming canals, world-class seafood, Liseberg amusement park, and vibrant cultural scene.
3. Malmö: Experience this multicultural city connected to Copenhagen via the Öresund Bridge, featuring the twisted Turning Torso tower and beautiful historic squares.
4. Swedish Lapland: Witness the Northern Lights, stay in one of the famous ice and snow hotels, experience Sami culture, and enjoy dog sledding or reindeer safaris in winter months.
5. Gotland: Visit Sweden's largest island with its well-preserved medieval town of Visby, a UNESCO World Heritage site, featuring ancient ruins and stone walls.
6. Abisko National Park: Explore one of Europe's last wilderness areas with hiking trails through stunning landscapes and one of the best places worldwide to view the aurora borealis.
7. The High Coast: Experience this UNESCO World Heritage Site featuring dramatic coastlines rising from the sea due to post-glacial rebound.
8. Kosterhavet: Visit Sweden's first marine national park with crystal-clear waters, diverse marine life, and beautiful archipelago landscapes.
9. Uppsala: Discover this historic university town with Sweden's largest cathedral, botanical gardens, and Viking burial mounds at Gamla Uppsala.
10. Drottningholm Palace: Tour the private residence of the Swedish royal family and a UNESCO World Heritage site, often called "Sweden's Versailles."

Best times to visit

Sweden's climate varies significantly by region, making it a year-round destination depending on your interests and planned activities. The most popular time to visit is during the summer months (June to August), when days are long with the famous Midnight Sun in northern regions, temperatures are mild, and outdoor activities abound. This period brings festivals, open-air museums, and vibrant city life, though it's also the busiest tourist season with higher prices.

Spring (April to May) and autumn (September to October) offer less crowded conditions with beautiful seasonal colors and moderate temperatures, perfect for city exploration and nature hikes. These shoulder seasons provide good value for accommodations while still offering pleasant weather for sightseeing.

Winter (November to March) transforms Sweden into a snow-covered wonderland, especially in the northern regions. This season is ideal for winter sports enthusiasts and those hoping to witness the Northern Lights. Southern cities like Stockholm, Gothenburg, and Malmö remain relatively mild but can experience snow and limited daylight hours. December brings traditional Christmas markets and festive celebrations across the country.

Regardless of when you visit, having appropriate travel protection provides added confidence in case of unexpected weather disruptions, medical emergencies, or trip cancellations, allowing you to enjoy Sweden's seasonal attractions with less worry.

Frequently asked questions about traveling to Sweden

Do U.S. citizens need travel insurance in Sweden?

No, travel insurance is not required for U.S. citizens visiting Sweden. However, it is highly recommended due to potential health care costs and other unexpected expenses that may arise during your trip. Sweden's health care system, while excellent, can be costly for foreign visitors without proper coverage. Travel protection can help cover medical expenses, trip cancellations, lost belongings, and emergency medical evacuation, providing added confidence throughout your Swedish journey.

What documents do I need to travel to Sweden as a U.S. citizen?

U.S. citizens need a valid passport with at least six months validity beyond your planned departure date from Sweden. No visa is required for tourist or business stays under 90 days within a 180-day period, as Sweden is part of the Schengen Agreement. However, you must have proof of sufficient funds for your stay and a return ticket or onward travel plans. For stays longer than 90 days, you'll need to apply for a residence permit before arriving in Sweden.

For the most up-to-date information on Sweden entry requirements, visit the U.S. Department of State and the Embassy of Sweden for details.

What vaccinations are required?

There are no specific vaccinations required for entry into Sweden from the United States. However, the U.S. Centers for Disease Control and Prevention (CDC) recommends being up-to-date on routine vaccinations including the COVID-19 vaccine, measles-mumps-rubella (MMR), diphtheria-tetanus-pertussis, varicella (chickenpox), and your yearly flu shot. Depending on your planned activities, additional vaccinations for hepatitis A, hepatitis B, or rabies might be considered.

For recommended and required vaccinations as well as preventative treatment for travel to Sweden, visit the U.S. Centers for Disease Control and Prevention for the most current information.

How much does travel insurance cost for Sweden?

The cost of travel insurance for Sweden depends on several factors, such as your age, the length of your trip, the coverage limits, and the type of plan you choose. Basic plans, which typically include essential medical coverage, tend to be more affordable, while comprehensive plans—with higher medical limits and added benefits like trip cancellation—are priced higher. Travelers participating in adventure activities or those with pre-existing medical conditions may see increased premiums or should consider buying an Extreme sports add-on to get advanced coverage.

What happens if you get sick in Sweden?

If you fall ill in Sweden, you'll have access to one of the world's best health care systems, though costs can be substantial for visitors. For emergencies, dial 112 to reach ambulance services. Sweden has excellent hospitals and health care facilities, particularly in major cities like Stockholm, Gothenburg, and Malmö. Most medical professionals speak English, reducing communication barriers. Without travel insurance, you'll likely need to pay upfront for treatment, which can be expensive.

With travel protection, you may receive assistance with finding appropriate medical facilities, coordinating care, and covering eligible expenses according to your policy. Keep all receipts for treatment to submit with your insurance claim. For non-urgent care, health centers (vårdcentraler) are available throughout the country, though you might need to pay a higher fee as a non-resident.

Sweden travel tips and safety information

Emergency contact numbers and local assistance

Emergency numbers to be dialed locally:

Ambulance and Medical emergency services: 112

Fire: 112

Police: 112

In Sweden, emergency calls are answered in Swedish and English, with some areas offering service in German, French, Finnish, and Spanish. The country has a well-developed public ambulance service throughout all regions, with excellent services for transporting patients from rural areas to major cities for specialized care. For urgent or emergency care, use the Emergency Department (Akutmottagningen) of the nearest hospital, though waiting times may be long for non-serious conditions.

Sweden local laws and customs

Understanding Swedish customs and laws can enhance your travel experience in this Nordic nation:

• Punctuality is highly valued in Swedish culture; being on time for appointments, meetings, and social gatherings shows respect.
• Swedes generally maintain a personal space bubble larger than in many other cultures, so avoid standing too close during conversations.
• Remove your shoes when entering someone's home, as this is a common practice throughout Sweden.
• Tipping is not expected as service charges are typically included in bills, though rounding up the total for good service is appreciated.
• Public transportation etiquette is important; avoid loud conversations, eating, or talking on phones in buses, trains, or trams.
• Alcohol is only sold in government-run Systembolaget stores with restricted hours and not in regular supermarkets.
• Environmental consciousness is deeply ingrained; recycling is taken seriously, and littering carries significant fines.
• Sweden has strict smoking regulations prohibiting smoking in public buildings, restaurants, bars, and near entrances to public spaces.
• "Allemansrätten" (Right of Public Access) allows you to roam freely in nature, even on private land, but requires respectful behavior toward property and wildlife.
• Sweden is progressive regarding LGBTQ+ rights, with strong anti-discrimination laws and general social acceptance throughout the country.

Health risks and medical facilities

Sweden presents minimal health risks for travelers, with excellent health care facilities throughout the country. The Swedish health care system consistently ranks among the world's best, with more doctors per capita than most nations. Medical care is available nationwide, though specialized treatments may be more accessible in urban areas. Most health care providers have high English proficiency, reducing communication barriers for international visitors.

Public hospitals in Sweden meet international quality standards, though waiting times can be long for non-emergency care. University-affiliated hospitals are recommended for serious conditions. For less urgent matters, local health centers (vårdcentraler) are accessible throughout the country, though referrals from general practitioners are required for specialist appointments.

Food and tap water in Sweden are safe, with a generally healthy environment posing few health concerns. However, raw or cold smoked fish may transmit parasitic diseases if not properly prepared. Pharmacies (apotek) stock most international medications, though some common over-the-counter remedies from other countries may require prescriptions in Sweden. Major cities have 24-hour pharmacies available, but travelers should expect to pay full costs for prescription medications.

Diseases and health risks

Sweden has few significant disease risks for travelers. The country maintains high sanitation standards, and food and water are generally safe for consumption. Vector-borne diseases like tick-borne encephalitis (TBE) can be a concern in rural and forested areas, particularly during summer months. Travelers planning extensive outdoor activities should consider appropriate precautions including TBE vaccination and thorough tick checks after woodland activities.

Staying safe in urban and rural areas

Sweden generally has lower crime rates compared to many other Western nations, making it a relatively safe destination for travelers. In urban areas, particularly Stockholm, Gothenburg, and Malmö, the main concern for tourists is petty crime such as pickpocketing and bag-snatching, especially in crowded tourist locations and public transportation. To minimize risk, maintain situational awareness, avoid displaying obvious wealth, and keep valuables secure.

While organized crime exists in Sweden's major cities with occasional gang-related violence including shootings and bombings (particularly in certain areas of Malmö, Stockholm, and Gothenburg), these incidents rarely affect tourists as they tend to be targeted conflicts between criminal groups. Tourists should still exercise standard precautions and avoid known problem areas.

In rural and wilderness areas, safety concerns shift toward environmental factors. Sweden's harsh winter conditions from November through March can create hazardous situations, especially in northern regions where temperatures can drop significantly. If exploring remote areas, ensure proper preparation for cold weather, inform others of your plans, and carry appropriate communication devices. During summer, forest fire risk increases in dry periods, so follow all local guidance regarding fire safety.

Additional tips for traveling to Sweden

• Cash is rarely needed as Sweden is largely a cashless society with cards accepted almost everywhere, even for small purchases at markets or for public toilets.
• Learn basic Swedish phrases as a courtesy, though most Swedes speak excellent English, particularly in urban areas and tourist destinations.
• Daylight hours vary dramatically by season and location; summer brings nearly constant daylight in the north (Midnight Sun), while winter has very limited daylight, especially in northern regions.
• Adopt the Swedish concept of "fika" – the coffee break usually accompanied by pastries – which is an important cultural ritual and excellent way to experience local life.
• Public transportation is extensive and reliable throughout the country; consider purchasing regional travel cards for cost savings in urban areas.
• Weather in Sweden can change quickly; layered clothing is recommended year-round, with waterproof options even in summer months.
• Accommodations should be booked well in advance during peak summer season (June-August) and for winter holidays, especially in popular tourist areas.
• Tax-free shopping is available for non-EU residents on purchases over 200 SEK; look for the "Tax-Free Shopping" signs and request forms at the time of purchase.
• Drinking water from taps is safe throughout the country and often of better quality than bottled water; carrying a reusable water bottle is both economical and environmentally friendly.
• Respect nature according to the "Leave No Trace" principles when enjoying Sweden's outdoor spaces, which aligns with the Swedish environmental ethos.

Choose SafeTrip for your Sweden travel insurance

When planning your Swedish adventure, selecting SafeTrip travel protection offers the right amount of coverage needed for exploring this northern European gem. With tailored plans designed specifically for international travelers, SafeTrip provides added confidence through robust medical coverage, emergency medical evacuation benefits, and 24/7 multilingual assistance—essential services when navigating Sweden's diverse landscapes from Arctic wilderness to urban archipelagos.

Our travel protection plans are crafted to address the specific needs of travelers to Sweden, covering everything from unexpected medical emergencies in remote northern regions to trip disruptions caused by harsh winter weather. The plans offer flexibility for different travel styles, whether you're exploring Stockholm's historic districts, skiing in the mountains of Åre, or chasing the Northern Lights in Lapland.

Trust SafeTrip to provide coverage for unforeseen circumstances while traveling throughout Sweden, allowing you to immerse yourself fully in the country's natural wonders, innovative cities, and rich cultural heritage. From the midnight sun of summer to the snowy landscapes of winter, having appropriate Sweden travel insurance coverage can help you experience all that this remarkable Scandinavian nation has to offer with less worry about unexpected events disrupting your journey.

Sources:

1. UnitedHealthcare Global Intelligence Center
2. https://travel.state.gov/content/travel/en/international-travel/International-Travel-Country-Information-Pages/Sweden.html
3. https://www.swedenabroad.se/en/embassies/usa-washington/
4. https://wwwnc.cdc.gov/travel/destinations/traveler/none/sweden