Travel insurance

• Insurance event for damage to and theft of personal travel belongings
• Insurance event for damage to and theft of assets belonging to employer

• Delayed travel belongings
• Delayed baggage on business trip
• Delayed arrival
• Delayed arrival at Heliport when the delay is at least 72 hours (3 days)
• Delayed departure
• Delayed arrival

• Illness of the insured person and travel companion
• Hospital admission
• Summoning of immediate next of kin
• Psychological first aid
• Repatriation
• Interrupted journey and unused holiday days
• Unused tickets and events

• Accident resulting from a sudden and unforeseen external physical event
• Treatment in the Nordic region for two years after the date of injury

• Cancellation due to illness/death of yourself or close family
• Cancellation when a close colleague, co-worker or manager employed by the policyholder is at risk due to acute illness, accidental injury or death
• Cancellation of business travel when a key person is unable to attend due to their own illness, accidental injury or death and this causes the purpose of the trip to lapse

• Natural disaster whilst travelling outside Norway
• War, terrorism, civil unrest
• Epidemic whilst travelling outside Norway
• Rental car excess on holiday or travel
• Liability and legal assistance on travel outside the Nordic region

Travel insurance terms and conditions (PDF)

Product information IPID (PDF)

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

• 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

• Damage caused by rock climbing, diving with the supply of air
• Organised air sports or air sports activities in connection with professional missions
• Injury due to alcohol and drugs
• Participation in expeditions
• Staying at heights above 6000 metres
• Sending for family if home journey imminent
• Injuries that the insured party suffers during working hours, at the workplace and which are covered by the Occupational Injury Insurance Act

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

• Expenses refunded by other operators

The insurance does not cover travel to areas that the Ministry of Foreign Affairs advises against travel to or stay in

The insurance is valid from the date the company has entered into an insurance agreement and concludes when the agreement between the employer and the insurance company is terminated.

The insurance is an agreement that the employer has entered into on behalf of the employees and is not paid by the individual. As a business owner, you can log in to the insurance portal to get an overview of your invoices.

Business owners must log in to the insurance portal and collect travel cards for their employees.

Yes, emergency medical help is included in the event of illness or injury.

Yes, the insurance covers any loss or delay of luggage during the trip.

This is a collective agreement that cannot be terminated by the individual employee.

As standard, it is 70 days, but we can offer a travel length of 70, 90, 120 or 180 days.

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.noto see your air travel rights and what you are entitled to.

• 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.

You can easily change the number of employees by logging into Insurance portal.

In the event of acute illness, serious accidents, the need for repatriation, etc., the employee or the company must contact the emergency telephone of SOS International by telephone: : +47 22 96 50 45

• 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 unless otherwise agreed
• 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
• If the family is co-insured, the insurance applies to children up to the age of 21 years
• The accident insurance expires at the age of 75 years
• Hospital stay and sending for family must be approved by the company in advance
• Evacuation must be ordered by the Norwegian Ministry of Foreign Affairs
• You must be a member of the Norwegian National Insurance Scheme and have a residential address in the Nordic countries
• The insurance must be signed before the trip starts

Travel insurance terms and conditions (fremtind.no)

Product information IPID (fremtind.no)