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Travel insurance

Our travel insurance for companies applies to all business travel and can also be expanded to include leisure travel and family.

Image of woman standing in a camper van with a mug in her hand and a beautiful view in the background
  • Help 24 hours a day, 365 days a year, without excess in the case of injury

  • Applies to individual trips lasting up to 70 days, all over the world

  • Unlimited sum for cancellations and illness, or if your luggage is stolen

Peace of mind if something should happen while travelling

Travel insurance covers necessary expenses if you suffer an injury, lose or have belongings stolen, become ill, or if a sudden accident should occur while travelling. It’s prudent for your company to have insurance that applies once you or your employees are outside the home or office. Travel insurance can also cover holiday and leisure travel for employees and insure employees’ families.

Report a claim

As a business owner or employee you can report an injury through the company’s insurance policy in the event of an accident or injury.

Report damage or injury while travelling

Current travel advice and events

Questions and answers about the travel insurance policy’s cover in case of specific events and travel advice from the Norwegian Ministry of Foreign Affairs.

Travel advice and special events

Lounge access if the flight is delayed

With travel insurance, you get lounge access if your flight is delayed by more than one hour.

Lounge access

Frequently asked questions about travel insurance

Answers to frequently asked questions about travel insurance.

Help and advice

Digital travel card

Digital travel card Company AEM

Download the digital travel card on your mobile and get easy access to us if you become ill or have an emergency while travelling. It is important to have the card with you, especially when you are abroad, where treatment can be costly and hospitals often require documentation to cover the costs. Share the file with employees via email or store it on the company's intranet for easy access.

Download the travel card

What does the travel insurance cover?

Coverage

Sum insured

Illness while travelling

Unlimited

Repatriation

Unlimited

Cancellation

Unlimited

Evacuation in connection with war, terror, natural disasters

Unlimited

Delayed until attendance time

Unlimited

Delayed departure (catch up of started journey and additional costs for accommodation)

NOK 6,000 per person

Delayed luggage, min. 4 hour delay for private travel No requirements for hours for business trips

NOK 5.000

Collection of established itinerary as a result of illness

Up to NOK 150 000 (combined per insurance event)

Accident adult 21-70 years, 100% permanent medical disability/death

500.000/NOK 500.000

Accident adult 70-75 years, 100% permanent medical disability/death

100.000/NOK 100.000

Accident child 0 - 21 years. 100% permanent medical disability/death

700.000/NOK 150.000

Baggage (also called travel goods)

Unlimited total amount. (see separate amount for valuable items and single items in the terms and conditions)

Valuable items (also called valuables)

NOK 40 000 combined per insurance event

Other things

NOK 40,000 per individual item

Deductible for damage to car hire (passenger car) that is used for holiday and business travel. Only contracted deductibles.

Unlimited

Things that belong to the employer, during business trips

NOK 40.000

Compensation for illness and/or accident during business travel (when a colleague from the same company must replace the person who is insured)

NOK 20.000

No deductible

None

What does the travel insurance cover?

Personal belongings
  • Damage to and theft of personal luggage
  • Damage to and theft of property belonging to the employer
Illness
  • Own and travel companion’s illness
  • Hospital stays
  • Summoning of next of kin
  • Psychological first aid
  • Repatriation
  • Interrupted travel and unused holidays
  • Unused tickets and events
Cancellation
  • Cancellation which is due to own or close family’s illness/death
  • Cancellation when a colleague, employee or manager employed by the policyholder is exposed to acute illness, accidental injury or death B Cancellation of business trip when the key person due to their own illness, accidental injury or death cannot participate and which makes the purpose of the trip lapse
Terms and conditions

Terms and conditions travel insurance (PDF)

Product information IPID (PDF)

Delays
  • Delayed luggage
  • Delayed baggage on business trips
  • Delayed attendance
  • Delayed attendance upon arrival at Heliport when the delay is at least 72 hours (3 days)
  • Delayed departure
  • Delayed arrival
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
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

What does the travel insurance not cover?

Personal belongings
  • Motor vehicles, caravan/trailers, boats and equipment/accessories for these
  • Drones
  • Products imported into Norway in breach of applicable customs/tax rules
Illness/accident
  • 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
Evacuation
  • Expenses refunded by other operators
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
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
Countries and areas with travel advice

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

When company employees need medical assistance abroad

In the event of acute illness, serious accidents, the need for repatriation, etc., the employee or company must use the emergency telephone of SOS International.

SOS International 

24-hour phone: +47 22 96 50 45  

Travel insurance FAQ

When does the insurance start and end?

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.

How will I find my travel insurance certificate and travel card?

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

Does the travel insurance cover lost luggage?

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

How many days can I travel?

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

Where does the travel insurance apply for?
  • 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.
How do I update the number of employees on the travel insurance policy?

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

Are there any limits to the cover?
  • 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
When and how do I pay?

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.

Is medical assistance included during the trip?

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

How do I terminate my insurance policies?

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

What should I do in the case of air travel 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.

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

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.

What do employees in the company do if they need medical assistance abroad?

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

Terms and conditions

Travel insurance terms and conditions (fremtind.no)

Product information IPID (fremtind.no)

Our personnel insurance

  • Workers’ compensation insurance

    Covers employee injury and illness

  • Travel insurance

    Peace of mind if something should happen while travelling

  • Leisure accident insurance

    Covers accidents or injuries that occur during leisure time

  • Group life insurance

    Provides a one-off payment to the bereaved on the death of an employee

  • Group accident insurance

    Peace of mind for your employees if they have an accident

  • Partnership protection insurance

    The insurance is a financial hedge against the partnership protection agreement

  • Key person insurance

    Disbursement if a key person dies or becomes incapacitated for work

  • Health insurance

    Ensures that employees of the company receive quick treatment

  • Sickness assessment insurance

    Employees receive disbursements for the first few years of the incapacity period

  • Income protection insurance

    Covers the company’s ongoing operating costs if you should become ill

  • Sick pay insurance

    Covers salary payments to employees on sick leave

  • Other sickness insurance

    Insures your employees even when the illness isn’t work related

  • Pension and insurance package

    The package that covers the statutory requirements

Provider of the insurance

The insurance is provided by Fremtind Forsikring. In order to give you an offer, calculate the price and buy insurance, DNB will transfer your personal data to Fremtind. You can read more about how Fremtind processes personal data in Fremtind’s personal privacy statement.