Insure yourself and your things when you’re travelling and in everyday life, with one of the best travel insurance providers on the market.
Unlimited coverage in the event of cancellation and illness Accident insurance included 24 hours a day, also when you’re not travelling Applies worldwide, without accommodation requirement Check prices and get offerTravel insurance gives you peace of mind every time you leave your home: You have insured yourself and your belongings when travelling and in daily life. You’ll get help if you are the victim of theft, illness or accident, in the event of cancellations and delays, damage to your belongings and much more.
Travel insurance is about more than holidays and trips abroad. It becomes valid the moment you leave your home, and there is no overnight accommodation requirement Travel insurance is valid worldwide, domestic travelling in Norway and in daily life.
Have a chat with one of our insurance advisers.
Report your damage or injury online for quick and secure handling.
When you buy travel insurance from us, you get accident insurance that covers accidental injury both at home and during outdoor/leisure activities. This applies, among other things, to water sports and sailing, climbing, cycle touring, downhill skiing, ice skating, horse riding, mountain hiking, backcountry skiing and more.
Accident insurance covers you all day long, even when you’re not travelling. The cover expires when you turn 75 years of age. Remember that you can also buy your own accident insurance if you want to select the compensation amount or need other coverage.
Up to 15% group discount on insurance, and an extra 5% if you are a DNB bank customer.
Household contents and travel insurance for people aged 18 to 34 years.
If you cancel a trip due to illness, your travel insurance applies.
Have you recently been seriously ill, or do you have a serious illness or chronic condition, or have you suffered an accident and are wondering whether the travel insurance covers costs for treatment needs that may arise when you’re away? – Get in touch for a medical assessment with our partner SOS International on +47 22 95 50 55.
If you or your fellow travellers have fallen ill, contact SOS International on tel. +47 22 96 50 45. They are available 24 hour a day, 7 days a week. They will help you find a doctor and a hospital, and take care of practical matters. It’s a good idea to save the number to your phone before you travel.
If you incur any other expenses related to your illness, keep hold of the receipts. These must be sent in together with the claims form to Fremtind Forsikring.
Contact SOS International
SOS is our emergency centre which you can use at any hour of the day if something should happen during your trip abroad.
Call +47 22 96 50 45 for help.
What does the travel insurance cover?
Personal belongings
Cancellation
What does the insurance not cover?
Personal belongings
Illness/accident
Cancellation
Are there any limits to the cover?
Where is the insurance valid?
What are my obligations?
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.
Terms and conditions (in Norwegian)
Bytt.no votes for the best travel insurance every month. Based on verified reviews, our travel insurance has been voted the one that customers are most satisfied with. Our insurance company Fremtind is ranked top for both best claims settlement and best customer service. See the results at bytt.no
also has our travel insurance among the top providers in its annual test, with a score of 5 out of 6. Among other things, the test highlights that we are one of the cheapest for family travel insurance, while consistently maintaining a high standard of cover.
See what else makes our insurance best in test.
What does travel insurance really cost? You don’t need to pull out your calculator – we’ll do the work for you. To check prices, you have to log in with BankID Then choose insurance for yourself and possibly your family to see how much you need to pay.
See travel insurance costFind out what the Ministry of Foreign Affairs says and what the insurance can help you with.
If you pay at least half of the cost of the trip’s transport costs with your credit card, you get travel insurance included with your purchase.
You can get both full-year travel insurance and single trip travel insurance from us. Our travel insurance is valid all year round and ensures you’re always insured for small or bigger trips, and for daily life. Single trip insurance is travel insurance through Mastercard, and comes included when at least half of the trip’s transport is paid using the credit card and you include one night’s accommodation or travel by air.
We recommend most people to always keep full-year travel insurance. If you need some guidance, you can see more details on what insurance you need at different stages of life.
When is the insurance valid?
Year-round, from the moment you leave your home
On trips with at least one overnight stay or when you travel by plane. At least half of the trip’s transport costs must be charged to the card
Who does the insurance apply to?
Policyholder, and family if agreed (children under 21 years of age)
Cardholder, permanent household members (children under 20 years of age), or up to three fellow travellers
Illness while travelling
Up to NOK 50 000
Duration of trip
Can be extended to 90, 120 or 180 days
Up to NOK 500, or 20% for legal assistance
Evacuation as a result of war, unrest, terror and natural disasters
Up to NOK 100 000
Interrupted trip due to illness or accident
750 NOK per day, up to 10 days. 1500 NOK per day when multiple insured individuals travel together
Up to NOK 25 000 (up to NOK 1000 per person/day).
Change of itinerary as a result of illness
Up to NOK 150 000 per insurance event
Up to NOK 20 000 per insurance event
Excess rental car
Unlimited according to contract with car rental company
Depending on your customer program, only with Mastercard Upgrade, and according to the car rental contract
Delayed attendance and catch up of started itinerary
Up to NOK 25 000
Delayed departure (catch up of started journey and additional costs for accommodation)
Up to NOK 6000 per person
Up to NOK 4000 per insurance event
Delayed luggage (min. 4 hour delay)
Up to NOK 5000 per person
Up to NOK 3000 per person
Accident adult 20-70 years
(100% permanent medical disability/death)
Accident adult 70-75 years
(100% permanent medical disability/death)
Accident child 0-20 years
(100% permanent medical disability/death)
NOK 700 000/150 000
NOK 400 000/50 000
Up to NOK 30 000 per insurance event
Up to NOK 40 000 per insurance event
Up to NOK 20 000 per insurance event
Up to NOK 40 000 per item
Up to NOK 10 000 total per insurance event
Employer’s property on business trips
Up to NOK 40 000
Up to NOK 20 000
Use the table as a guide. See terms and conditions for a detailed overview of the coverage.
I’m ill and travelling. What should I do?
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.
At the hospital without travel insurance. What happens?
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.
Travel insurance in addition to Health Insurance Card?
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.
What if I’m affected by airline strikes?
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.
to see your air travel rights and what you are entitled to.
What should I do if I get in an accident abroad?
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.
How long does the travel insurance apply for?
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.
Are my children insured under my travel insurance?
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.
How will I find my travel insurance certificate and travel card?
You will find both your travel insurance certificate and your travel card by logging in to the online or mobile banking app.
What should I do if my luggage is delayed?
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
Buy what you need
Contact the insurance company
What does cancellation insurance cover?
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
You will get your money back for the
Does travel insurance apply for those aged over 75?
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.
For how many days can I travel per single trip?
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.
What should I do if I lose my passport when travelling?
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”.
Does the travel insurance cover broken mobile phones?
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.
Does travel insurance cover bicycles?
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.
Is there excess on travel 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.
What happens if I lose my luggage?
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
See additional limits and causes covered in the terms and conditions.
What should I do if I get delayed on a journey?
If your flight, train, ferry or the means of transport you use is delayed or cancelled, first get in touch with the transport provider. They can often help you there and then, with a rebooking or refund.
Remember to keep hold of all your receipts, expenses, tickets and confirmations of delayed transport.
Then report the claim to us. You can apply to have expenses that are not covered by the transport provider covered by the travel insurance. Should the delay result in an extra overnight stay, this can also be covered by the insurance.
In general, you need to allow plenty of time. If the delay is your fault because you planned your time badly, we cannot cover the costs.
If you miss your transport, first contact the company responsible for getting you to your departure. They may be liable for the costs.
For example, if the delay is due to unforeseen weather conditions, technical problems with the means of transport or a traffic accident with your transport, you can get the necessary costs covered for completing your journey.
Remember that you must document expenses and the delay. Report this to us before booking new tickets.