Travel insurance

Personal belongings

• Damage to and theft of personal luggage
• Damage to and theft of property belonging to the employer

Delays

• Delayed luggage
• Delayed attendance
• Delayed departure
• Delayed arrival

Illness

• Acute unexpected illness
• Hospital stays
• Summoning of next of kin
• Psychological first aid
• Repatriation
• Interrupted travel and unused holidays
• Unused tickets and events

Accidents

• Accidental injury resulting from a sudden and unforeseen external physical incident
• Expenses for necessary treatment in the Nordic countries 2 years after the injury date

Cancellation

• Cancellation which is due to own or close family’s illness/death.

Evacuation

• Natural disasters during travel outside of Norway
• War, terror, rebellion
• Epidemic during travel outside of Norway
• Excess on rental cars on holiday or while travelling
• Liability and legal aid during travel outside of Norway

Personal belongings

• Motor vehicles, caravan/trailers, boats and equipment/accessories for these
• Drones
• Moveable goods
• Software
• Products imported into Norway in breach of applicable customs/tax rules

Delays

• Delayed luggage or arrival on return journey
• Expenses caused by flight delay or cancellation which the airlines themselves are liable for
• Delayed arrived less than 8 hours

Illness/accident

• Injury due to aerial sports, diving below 40 metres and martial arts
• Injury due to alcohol and drugs
• Participation in expeditions
• Staying at heights above 6000 metres
• Sending for family if home journey imminent
• Practice of professions with high risk of accident
• Training for or participation in organised sports competitions after the age of 16

Cancellation

• Fear of war and terror
• Pregnancy or birth from and including 36th week of pregnancy
• Deterioration of illness that was highly likely to occur

Evacuation

• Expenses refunded by other operators

• The insurance does not apply at permanent places of work/study during working hours/study hours in the Nordic countries
• The insurance applies for single trips lasting up to 70 days
• Where sums are stated in the insurance certificate or terms and conditions, the damage will be compensated up to the specified sums
• Some items have age restrictions
• For children, the insurance expires when they turn 21 years old
• The accident insurance expires at the age of 75 years
• From and including the third incidence of damage to a mobile phone within one calendar year, the excess is NOK 3000
• Hospital stay and sending for family must be approved by the company in advance
• In the event of a delay and having to catch up with the travel itinerary, the company must be contacted before new tickets are booked
• Evacuation must be ordered by Norwegian or local authorities
• You must be a member of the Norwegian National Insurance Scheme and have a residential address in the Nordic countries
• The insurance must be bought before or at the same time as ordering the trip/tenancy
• The insurance does not cover trips to countries/areas with a high risk of war, terror and political unrest

• Worldwide
• The travel starts when you leave your permanent address and ends when you come back
• Accident insurance all day long, including when the insured party is not travelling
• Liability and legal aid only applies to travel outside of the Nordic countries.

The insurance certificate specifies which information is used as a basis. If anything is incorrect, you must inform us immediately. Security regulations are damage prevention and damage limitation measures you must take, and you will find these in the insurance certificate.

In the event of injury you must contact us as soon as possible. If you do not comply with your obligations, the settlement payment may be reduced, fully or partly.

If you or your fellow travellers need emergency help, contact SOS International on +47 22 96 50 45. They will help you find a doctor and a hospital, and take care of practical matters.

For minor injuries or illnesses, you can seek medical attention if you need it. Take your travel insurance card, passport or other ID with you.

If you have expenses as a result of illness, ensure you keep the doctor’s certificate and all the receipts. These need to be sent in with your claims form when you use your insurance.

If you end up in hospital abroad without travel insurance, it can be expensive. Hospital bills of several hundred thousand kroner are not uncommon. Should you also need repatriation via an ambulance flight from abroad, the expenses can be extremely high.

If you end up in hospital in the EEA or Switzerland, you can use your European Health Insurance Card to prove that you have the same right to necessary help as the citizens of that country. You still need to be aware that the card does not cover extra expenses for your return journey, and that in many countries, the government doesn’t cover the full cost of health services.

The European Health Insurance Card only gives you the right to necessary medical treatment in the EEA and Switzerland. It doesn’t cover medical treatment in other parts of the world. Neither does the European Health Insurance Card cover costs related to medical repatriation or sending for family/next of kin in the event of serious illness.

Cancellation, delay, material damage and theft of luggage are other important components that are covered by the travel insurance.

The travel insurance doesn’t cover losses and expenses related to strikes and labour conflicts. We recommend you get in touch with the airline for information, changes to and rebooking of your flight.

See also forbrukerrådet.no to see your air travel rights and what you are entitled to.

When you drive your own car abroad, your car insurance applies if you have an accident with the car.

If you rent a car abroad, the rental company’s insurance applies. Remember to check this carefully when you sign the rental agreement. The travel insurance can cover the excess you have on the rental car if something should happen.

In the event of theft and burglary of your own car, it’s important that you report this to us. If you have a rental car, you can call the number in the rental contract. If there is damage to the rental car, the insurance that comes with the car applies, but the excess is covered by your travel insurance. The same applies to private belongings. Remember to report the incident, take note of any witnesses and document what has happened, where it happened and what has been stolen.

Our full-year travel insurance applies all year round, but is limited by the number of consecutive holiday days for single trips. The insurance applies for single trips up to 70 days in length, but can be extended to apply to 90, 120 or 180 days.

If you choose family cover when you buy the travel insurance, your whole family will be covered under the same insurance. This applies even when you’re not travelling together.

With family cover, both children and spouses/cohabitants are included in the travel insurance. Children and young people are covered by the parents’ insurance up to the age of 21, as long as they have the same address in the National Population Register.

When the children move out, it’s worth considering Household contents and travel insurance for young people.

You will find both your travel insurance certificate and your travel card by logging in to the online or mobile banking app.

If your luggage is delayed by more than 4 hours on your outward journey, you will receive a settlement payment. You can report the claim straight away or when you get home.

What you need to do if your luggage is delayed:

Report it to the airport

• Get confirmation that your luggage has been delayed – this is called a PIR report.
• Also keep hold of the luggage tag that you got at check in.

Buy what you need

• You can buy clothes and toiletries if your luggage is delayed by more than four hours on your outward journey.
• You can spend up to NOK 5000 per person.
• Remember to keep hold of your receipts.

Contact the insurance company

• Report the claim for a settlement payment. You can also call us if you need practical and immediate help.

Cancellation cover is part of the travel insurance, and gives you your money back if you need to cancel a trip due to unforeseen circumstances.

You are covered if the unforeseen events are due to

• acute illness, worsening of illness, accident or death that affects you, your immediate family, companion or their immediate family, someone in your travel party (up to 6 people) who you have bought the same trip with, or childminder that result in the trip not being able to go ahead as planned.
• fire, burglary, water or natural damage that requires you to stay home.
• travelling to the location is in breach of advice from the Ministry of Foreign Affairs or the Norwegian government for domestic travel.

You will get your money back for the

• travel and the accommodation.
• excursions and events.
• pet hotel for dogs and cats

The travel insurance doesn’t have any age limit – it applies to everyone, regardless of age.

There are still age restrictions to the accident cover which are worth knowing about: at the age of 70, the settlement payment is reduced, and when you turn 75, the cover expires.

See terms and conditions for detailed coverage overview.

When you buy travel insurance, you can choose how many days’ travel you need insurance for. 70 days is the standard maximum trip length per single trip, but you can choose to change the maximum length per trip to 90, 120 or up to 180 days.

You’ll find information about your insurance’s trip length per trip in the online or mobile banking app.

If you lose your passport or have it stolen while you are travelling abroad, it’s important that you report this as soon as possible.

Start by reporting it to the local police. Remember to get a copy of the report or a receipt from the police. When your passport is reported lost or stolen, it’s not longer a valid travel document.

You must then contact the nearest Norwegian embassy or consulate to apply for a temporary travel document so you can travel back to Norway. The travel document is a kind of emergency passport and is also called a “laissez-passer”.

Find your nearest embassy

The travel insurance doesn’t cover broken mobile phones or other items that are destroyed by accident.

If you would like to insure yourself against accidents you need to have fully comprehensive contents insurance or separate mobile phone insurance.

Theft and vandalism of bicycles are covered by the travel insurance, except in the municipality of residence, educational institution, or workplace.

Otherwise, as a rule contents insurance covers the bicycle. You can also buy your own bicycle insurance.

As a rule, there is no excess on our travel insurance. However, there are some exceptions. See a summary of the coverages in the terms and conditions.

The travel insurance covers losses of luggage up to an unlimited overall sum. Remember, however, that individual items are subject their own limits.

To receive compensation for your luggage, the reason for the loss or damage may for example be due to

• loss of or damage to check-in luggage
• theft
• robbery
• traffic accident
• fire
• natural damage

See additional limits and causes covered in the terms and conditions.