Best Travel Insurance for Sweden 2026: Stockholm, Lapland & Nordic Adventures
Best travel insurance for Sweden covering Swedish Lapland dog sledding, snowmobile safaris, Kungsleden hiking, and Stockholm stays. Compare World Nomads, SafetyWing, Heymondo & Genki.
Sweden splits cleanly into two very different insurance decisions: Stockholm is a well-serviced European capital where SafetyWing works fine. Swedish Lapland is a remote Arctic wilderness where SafetyWing’s adventure activity exclusions leave you unprotected for the entire reason you went.
Sweden is a deceptively easy destination to underinsure. Stockholm and Gothenburg feel safe and accessible — good hospitals, easy transportation, EU EHIC coverage for European citizens. The mistake is buying insurance calibrated to Stockholm and then traveling to Kiruna, Abisko, or the Kungsleden trail without upgrading.
Swedish Lapland sits above the Arctic Circle. Dog sledding tours, snowmobile safaris to see the Northern Lights, ice hotel experiences with outdoor excursions, and multi-day Kungsleden trekking in summer — these are the experiences that define Lapland tourism and the experiences that most budget insurance policies exclude as adventure sports. An emergency helicopter evacuation from a remote section of the Kungsleden costs $8,000–$25,000. A dog sled accident requiring surgery in Kiruna’s nearest hospital runs $5,000–$15,000 for uninsured visitors.
For Sweden’s specific traveler mix — heavy Stockholm city tourism, growing Lapland adventure tourism, and a significant digital nomad population drawn to the tech hub in Stockholm — Heymondo offers the best overall value. It covers Lapland adventure activities at better pricing than World Nomads for a destination that sits at a lower overall risk threshold than Norway or Switzerland.
Quick Picks: Best Sweden Travel Insurance
🏆 Quick Picks
Heymondo
Covers Swedish Lapland adventure activities (snowmobile, dog sledding, Kungsleden trekking) at competitive pricing. Best value for Sweden's mixed city and Lapland itineraries.
From Varies
SafetyWing
Fine for Stockholm sightseeing, ABBA Museum, and city stays. Does NOT cover Lapland dog sledding, snowmobile tours, or Kungsleden hiking.
From ~$45/mo
World Nomads
The most comprehensive coverage for extended Lapland expeditions, multi-day Kungsleden trekking, and high-activity winter Lapland itineraries. More expensive but the strongest protection.
From ~$80-120/mo
Genki
Explorer plan covers Lapland activities on weekend trips from Stockholm. Monthly subscription suits nomads using Sweden as a tech hub base.
From ~$39-79/mo
What Travel Insurance Must Cover in Sweden
Sweden’s risk profile is shaped by the sharp divide between its southern cities and its Arctic north. Insurance requirements differ significantly based on which Sweden you are visiting.
Swedish Lapland Adventure Activities
Swedish Lapland — the region above the Arctic Circle encompassing Kiruna, Abisko, Jokkmokk, and the Sarek and Abisko national parks — is a genuine wilderness destination. The experiences that draw visitors there are adventure activities by any insurance standard:
Dog sledding: Multi-hour and multi-day dog sled expeditions are among Lapland’s most popular experiences. A driver falling from a sled or a team collision can cause significant injuries. SafetyWing excludes dog sledding.
Snowmobile safaris: Snowmobile tours across frozen lakes and through forest terrain to Northern Lights viewpoints are a core Lapland offering. Snowmobile accidents — rollovers, collisions, injuries from operating in unfamiliar conditions — are the primary risk. SafetyWing excludes snowmobile activities.
Reindeer safaris and ice hotel outdoor excursions: Even less extreme Lapland experiences involve prolonged exposure to Arctic cold and outdoor conditions that create injury and cold-weather health risks.
Summer Kungsleden trekking: The King’s Trail in summer attracts experienced hikers, but the 440km remote route presents genuine risks — river crossings, weather changes, and distance from road access create evacuation scenarios that are expensive without insurance.
EU EHIC Coverage in Sweden
Sweden is a full EU member — unlike Norway or Switzerland. EU and EEA citizens with a valid EHIC card access emergency healthcare at Swedish public facilities on the same terms as Swedish residents. This is a meaningful benefit for the majority of European visitors.
However, EHIC does not cover:
- Emergency helicopter evacuation from the Kungsleden or remote Lapland
- Adventure activity-related incidents that an insurer deems preventable
- Trip cancellation or delay
- Baggage loss
- Medical repatriation to your home country
EU travelers visiting Lapland still need travel insurance — specifically for evacuation coverage and adventure activity coverage.
Medical Costs for Non-EU Visitors
US, UK, Australian, Canadian, and other non-EU/EEA visitors to Sweden pay full private rates for medical treatment. Swedish healthcare is high quality and costs reflect that:
- Emergency room visit: $800–$2,000 for basic treatment
- Hospital admission overnight: $2,000–$4,000+
- Serious surgery: $15,000–$50,000+
- Helicopter evacuation from Kungsleden: $8,000–$25,000
For non-EU visitors, comprehensive travel insurance is non-negotiable.
Stockholm as a Digital Nomad Hub
Stockholm is one of Europe’s leading tech and startup cities. A significant number of digital nomads spend extended time in Stockholm for work purposes — not adventure tourism. For this group, the insurance calculus is different: they need standard health coverage without paying for adventure activity premiums they will never use. SafetyWing is appropriate for this specific segment. Genki is an excellent alternative with more comprehensive medical coverage.
1. Heymondo — Best Overall for Sweden
Plan Type: Trip-based or Annual | Medical Coverage: Up to $10,000,000 | Evacuation: Included | Adventure Activities: Many covered including Lapland activities | Price: Competitive with and often below World Nomads
Heymondo wins the Sweden recommendation over World Nomads for a specific reason: Sweden’s overall risk profile is lower than Norway or Iceland, but its Lapland adventure tourism requires real adventure coverage. Heymondo hits that coverage at better value, with medical limits that actually exceed World Nomads.
Why Heymondo Is the Right Call for Sweden
Swedish Lapland activities are covered. Heymondo covers dog sledding, snowmobile safaris, and outdoor trekking activities including Kungsleden — the experiences that define Lapland tourism and the activities SafetyWing excludes. For a Sweden itinerary that combines Stockholm with a Lapland excursion, Heymondo covers the full trip cleanly.
Very high medical coverage ceiling. Up to $10,000,000 in medical coverage is significantly more than World Nomads’ $100,000–$300,000. For a Kungsleden emergency evacuation and subsequent surgery in Stockholm, the higher coverage provides genuine peace of mind.
Competitive pricing for Sweden’s risk level. Sweden is a lower-risk destination than Norway (no fjord cliff hikes) or Switzerland (no Alpine ski rescue). Heymondo’s pricing reflects this better than World Nomads, which applies similar pricing across its adventure destination range.
Excellent mobile claims app. Heymondo’s app is consistently rated highly for ease of claims submission and status tracking. Managing a claim from Kiruna or from a remote point on the Kungsleden trail — where connectivity may be limited — benefits from an efficient mobile workflow.
Annual plan for Scandinavia travelers. For travelers doing multi-country Scandinavian itineraries (Stockholm + Copenhagen + Oslo), Heymondo’s annual plan is typically more cost-effective than buying individual trip policies.
Things to Verify with Heymondo
Multi-day dog sled expeditions. Day tours are broadly covered; multi-day wilderness dog sled expeditions are a higher-risk classification and coverage terms should be confirmed directly with Heymondo.
Snowmobile specifics by plan tier. Standard coverage typically includes guided snowmobile safaris on established routes — but verify this for your specific plan before booking a Lapland snowmobile trip.
Pros
- Covers Swedish Lapland adventures — dog sledding, snowmobile, Kungsleden trekking
- Very high medical coverage limits (up to $10M)
- Competitive pricing versus World Nomads for Sweden's risk level
- Top-rated mobile claims app
- Annual plan option for multi-country Scandinavia trips
- Strong evacuation coverage for remote Kungsleden incidents
Cons
- Verify multi-day dog sled expedition coverage specifically
- Snowmobile coverage can vary by plan tier — confirm before booking
- Pre-existing condition exclusions apply
- Less traveler review volume than World Nomads for Lapland-specific claims
2. SafetyWing — Best Budget (Stockholm/Gothenburg City Only)
Plan Type: Monthly subscription | Medical Coverage: $250,000 | Evacuation: Included | Adventure Activities: NOT covered (base plan) | Price: ~$45/month (under 39)
SafetyWing is a genuinely good product for its target audience: digital nomads moving between cities, staying in well-serviced urban areas, and not participating in adventure activities. Stockholm fits that profile almost perfectly — it is one of Europe’s best digital nomad cities, with strong co-working infrastructure, reliable healthcare, and all the urban amenities a remote worker needs.
The problem starts when Lapland enters the picture.
The Lapland Adventure Gap
SafetyWing’s Nomad plan excludes dog sledding, snowmobile safaris, and adventure outdoor activities from coverage. These exclusions specifically target:
- Dog sledding in Kiruna, Abisko, Jokkmokk — excluded as an adventure activity
- Snowmobile safaris for Northern Lights — excluded
- Kungsleden multi-day trekking — likely excluded as strenuous adventure hiking
- Ice hotel outdoor excursions — may be excluded depending on specific activities
For a traveler adding a 3-day Lapland side trip from Stockholm, arriving with SafetyWing means having no coverage for the entire reason they are making that trip.
When SafetyWing Works for Sweden
SafetyWing is a solid choice for Stockholm-based digital nomads who are working in Sweden and treating it as a base — Gamla Stan, Södermalm, Djurgården, and the Archipelago day trips are all covered without issue. Gothenburg visits, Malmö, and standard southern Sweden sightseeing are fine.
Stockholm’s Arlanda Airport, the Tunnelbana metro, ferry trips to the Archipelago islands — all fine. The ABBA Museum, Vasa Museum, and Skansen — fine. A dog sled tour in Kiruna — not covered.
Pros
- Most affordable at ~$45/month
- Monthly subscription — cancel anytime
- Can purchase after arriving in Sweden
- $250,000 medical coverage for illness and non-adventure injury
- Strong fit for Stockholm digital nomads with no Lapland plans
- EU EHIC already covers Stockholm emergency medical for European citizens
Cons
- Does NOT cover dog sledding in Swedish Lapland
- Does NOT cover snowmobile safaris for Northern Lights
- Kungsleden trekking likely excluded as adventure hiking
- $250 deductible per incident
- Claims are reimbursement-based — pay upfront first
- Wrong policy for any trip that includes Lapland activities
3. World Nomads — Best for Serious Lapland Expeditions
Plan Type: Trip-based | Medical Coverage: $100,000–$300,000 | Evacuation: Unlimited | Adventure Activities: 200+ covered | Price (28yo, 10 days): ~$40–$80
World Nomads is the most established name in adventure travel insurance and provides the clearest, most explicitly documented adventure activity coverage for Swedish Lapland. For travelers whose Sweden trip centers heavily on Lapland — extended Kungsleden sections, multi-day dog sled expeditions, or winter wilderness survival courses — World Nomads offers the broadest coverage breadth and clearest policy documentation.
Why World Nomads Still Belongs in the Conversation
Explicit, documented adventure coverage. World Nomads publishes its covered activity list explicitly, and dog sledding, snowmobile activities, and outdoor trekking are on it. For travelers who want policy certainty before booking an expensive Lapland expedition, World Nomads’ transparency is valuable.
Unlimited emergency evacuation. An emergency helicopter evacuation from a remote section of the Kungsleden, or a medevac from Kiruna to Stockholm for serious surgery, could cost $15,000–$30,000. World Nomads has no evacuation cap.
Explorer plan for high-risk activities. For advanced Lapland wilderness activities — backcountry skiing, extreme cold-weather expeditions — World Nomads Explorer offers higher coverage limits and broader activity inclusions.
Strong reputation for claims. World Nomads has years of documented traveler reviews for adventure activity claims. For a first-time Lapland traveler unsure how to evaluate insurers, this review history is meaningful.
Why Heymondo Edges Ahead for Most Sweden Travelers
For a standard Sweden trip — Stockholm plus a 3–5 day Lapland side trip — Heymondo’s pricing is typically better than World Nomads while covering the same core Lapland activities. World Nomads makes more sense for travelers doing intensive, multi-week Lapland expeditions where activity coverage breadth matters more than price.
Pros
- Explicit, documented coverage for dog sledding, snowmobiling, and Kungsleden trekking
- Unlimited emergency evacuation from remote Lapland locations
- Explorer plan for extreme Lapland wilderness activities
- Strong claims reputation — years of documented traveler reviews
- 200+ covered activities — comprehensive breadth
Cons
- More expensive than Heymondo for Sweden's overall risk profile
- Per-trip pricing — no monthly subscription
- Medical coverage ceiling lower than Heymondo ($100K-$300K vs $10M)
- Pre-existing condition coverage is limited
4. Genki — Best for Stockholm-Based Digital Nomads
Plan Type: Monthly subscription | Medical Coverage: Up to €1,000,000 | Evacuation: Included | Adventure Activities: Covered on Explorer plan | Price: ~$39–$79/month
Genki is a German health insurance provider offering rolling monthly travel coverage. For the growing number of digital nomads using Stockholm as a primary European base — drawn by the city’s tech ecosystem, English proficiency, and quality of life — Genki’s monthly subscription model is a natural fit.
Why Genki Works for Stockholm Nomads
Monthly subscription with adventure coverage. Where SafetyWing fails Lapland visitors, Genki’s Explorer plan covers dog sledding and snowmobile activities. A Stockholm-based nomad who wants to take a long-weekend Lapland trip in January can stay on their Genki Explorer policy without upgrading.
Stockholm tech hub alignment. Stockholm is home to Klarna, Spotify, and a dense cluster of European tech companies. Remote workers drawn to Stockholm for its professional ecosystem benefit from Genki’s clean monthly coverage model — no trip declarations, no expiration dates to manage.
German regulatory backing. Genki operates under German Bafin financial oversight — among the strictest insurance regulatory environments in the world. For nomads accustomed to European consumer protection standards, this matters.
Competitive pricing for younger nomads. For travelers under 35, Genki’s Explorer pricing often competes favorably with World Nomads while providing subscription flexibility.
Genki Limitations for Sweden
Verify Lapland activity specifics. Explorer covers adventure activities, but multi-day wilderness dog sled expeditions or extended off-trail Kungsleden sections should be verified against Genki’s activity schedule before booking.
Coverage limits in euros. A minor point for US travelers — the €1,000,000 coverage limit is denominated in euros, introducing a small currency fluctuation variable. For most claims scenarios this is not material.
Pros
- Monthly subscription — ideal for Stockholm nomad residency patterns
- Explorer plan covers Lapland adventure activities
- German regulatory standards — strong consumer protections
- Competitive pricing for under-35 travelers
- No fixed trip dates — flexible for open-ended Scandinavia stays
Cons
- Verify multi-day Lapland expedition coverage specifically
- Newer provider — fewer Sweden-specific claim reviews
- Coverage limits in euros — minor currency factor
- Less established for remote Arctic evacuation claims
Comparison Table
| Feature | Heymondo | SafetyWing | World Nomads | Genki |
|---|---|---|---|---|
| Medical Coverage | Up to $10,000,000 | $250,000 | $100,000-$300,000 | Up to €1,000,000 |
| Emergency Evacuation | Included | Included | Unlimited | Included |
| Adventure Activities | Yes (most activities) | No (base plan) | Yes (200+ activities) | Yes (Explorer plan) |
| Dog Sledding / Snowmobile | Yes (verify multi-day) | NOT covered | Yes | Yes (Explorer) |
| Kungsleden Trekking | Yes | NOT covered | Yes | Yes (Explorer) |
| Trip Cancellation | Yes | No | Yes | No |
| Pre-existing Conditions | Limited | Limited | Limited | Limited |
| Monthly Price (~28yo) | Varies | ~$45 | ~$80-120 | ~$39-79 |
| Best For | Sweden overall — city + Lapland | Stockholm digital nomads only | Serious Lapland expeditions | Stockholm nomads + Lapland trips |
| Rating | 4.4/5 | 3.9/5 | 4.4/5 | 4.2/5 |
How to Choose: Sweden Travel Insurance Decision Tree
Step 1: Does your itinerary include Swedish Lapland?
Yes — Kiruna, Abisko, Jokkmokk, Kungsleden, or any Northern Lights adventure activities → Go to Step 2.
No — Stockholm, Gothenburg, Malmö, and southern Sweden city tourism only → SafetyWing ($45/month) is sufficient. Or Genki for better medical coverage at similar pricing. EU/EEA citizens with EHIC already have emergency medical covered.
Step 2: What type of Lapland experience are you doing?
Dog sledding day tours, snowmobile safaris, Northern Lights tours, Kungsleden section hike → Heymondo is the best value overall. Covers these activities at competitive pricing. Get a quote.
Multi-day dog sled expedition, extended wilderness Kungsleden (7+ days), backcountry skiing → World Nomads Explorer gives the most explicit coverage breadth and unlimited evacuation. The premium is justified for intensive expeditions.
Step 3: What is your stay duration in Sweden?
Under 3 weeks → Heymondo or World Nomads per-trip. Compare quotes for your specific origin country.
3 weeks to 2 months → Heymondo annual plan often wins at this duration. Compare against per-trip pricing.
3+ months (Stockholm nomad base) → Genki Explorer. Monthly subscription with Lapland weekend coverage. Clean fit for the Stockholm tech nomad profile.
Step 4: Are you EU/EEA with a valid EHIC?
Yes → EHIC covers Stockholm emergency medical. Still purchase travel insurance for Lapland evacuation and adventure activities. Heymondo or Genki are strong fits given your existing medical baseline.
No (US, UK, Australian, Canadian) → Full coverage is essential for all Sweden regions. Heymondo is the best overall value. World Nomads for Lapland-heavy itineraries.
Final Verdict
Heymondo is the best travel insurance for Sweden for most traveler profiles. It covers Swedish Lapland adventure activities at more competitive pricing than World Nomads, with higher medical coverage limits — the right calibration for a destination that falls between the extreme adventure risk of Norway and the pure city-trip profile of, say, the Netherlands.
SafetyWing is appropriate only for Stockholm and Gothenburg city stays with no Lapland plans. It is a genuinely good product for digital nomads using Stockholm as a work base. The moment a Lapland excursion enters the itinerary, SafetyWing’s adventure exclusions make it the wrong policy.
World Nomads is the right call for intensive Lapland expeditions — multi-day dog sled journeys, extended Kungsleden treks, backcountry skiing. The unlimited evacuation coverage and explicit activity documentation justify the higher cost for serious wilderness trips.
Genki is the best fit for Stockholm digital nomads who want monthly subscription flexibility with the ability to do Lapland weekend trips covered. The Explorer plan bridges SafetyWing’s affordability with adventure activity coverage that SafetyWing cannot provide.
For a 10-day Sweden trip combining Stockholm with 3 days in Kiruna for dog sledding and Northern Lights, get quotes from Heymondo. It covers the activities that matter and typically prices well for Scandinavia.
Frequently Asked Questions
Does EHIC work in Sweden?
Yes — Sweden is a full EU member state. EU and EEA citizens with a valid EHIC card can access emergency healthcare at Swedish public facilities on the same terms as Swedish residents, at low or no cost. This is a meaningful benefit for European visitors to Stockholm and southern Sweden. However, EHIC does NOT cover emergency helicopter evacuation from Lapland, adventure activity incidents, trip cancellation, or baggage loss. For Lapland travel specifically, travel insurance for evacuation and adventure coverage remains essential even for EU/EEA citizens.
Does travel insurance cover dog sledding in Swedish Lapland?
Yes — but only with the right provider. Dog sledding in Kiruna, Abisko, and Jokkmokk is classified as an adventure activity by most insurers. Heymondo covers it, World Nomads covers it explicitly, Genki Explorer covers it. SafetyWing’s base Nomad plan does NOT cover dog sledding. If a Lapland dog sled experience is on your itinerary, SafetyWing is the wrong policy.
Is Stockholm travel insurance necessary?
For EU/EEA citizens, EHIC covers Stockholm emergency medical, making travel insurance technically optional for that specific coverage. For non-EU/EEA visitors, it is strongly recommended — Swedish private healthcare is expensive. For any traveler combining Stockholm with Lapland, travel insurance with adventure activity coverage is required regardless of EU status.
What does emergency evacuation from the Kungsleden trail cost?
Emergency helicopter evacuation from Sweden’s Kungsleden trail can cost $8,000–$25,000 depending on location, conditions, and distance to the nearest hospital. The trail runs 440km through remote Lapland between Hemavan and Abisko. Heymondo and World Nomads both provide strong evacuation coverage that covers these incidents.
Does travel insurance cover Northern Lights tours in Sweden?
Yes — with the right provider. Northern Lights experiences in Abisko and Kiruna center on snowmobile safaris and dog sled tours. These are adventure activities. World Nomads and Heymondo cover them. SafetyWing does not. If Northern Lights tourism in Lapland is the purpose of your Sweden trip, SafetyWing is an inadequate policy.
What are the main risks of traveling to Swedish Lapland?
Swedish Lapland’s primary risks are cold-weather activity injuries (dog sled accidents, snowmobile incidents, frostbite), remote trail incidents on the Kungsleden, and limited medical facility access in far northern Sweden. Helicopter evacuation from remote Lapland costs $8,000–$25,000. Medical treatment for cold injury or activity accidents at Swedish rates for non-insured visitors runs $2,000–$15,000+ depending on severity. Heymondo and World Nomads both cover these risks adequately.
Frequently Asked Questions
Does EHIC work in Sweden?
Yes — Sweden is a full EU member state. EU and EEA citizens with a valid EHIC card can access healthcare at Swedish public facilities (landsting/region hospitals) on the same terms as Swedish residents, at low or no cost. This is a meaningful benefit: Sweden's public healthcare is high quality and EHIC eliminates the most common emergency medical expense for EU travelers. However, EHIC does NOT cover emergency evacuation from remote areas like the Kungsleden trail, adventure activity incidents, trip cancellation, or baggage loss. Travel insurance is still recommended for EU/EEA citizens visiting Lapland specifically. Non-EU/EEA visitors (US, UK, Australian, Canadian) pay full private rates and need comprehensive coverage.
Does travel insurance cover dog sledding in Swedish Lapland?
Yes — but only with the right provider. Dog sledding in Swedish Lapland (particularly in the Kiruna, Abisko, and Jokkmokk areas) is classified as an adventure or outdoor sports activity by most travel insurers. World Nomads covers dog sledding on both Standard and Explorer plans. Heymondo covers it — verify by plan tier for multi-day expeditions. Genki Explorer covers dog sledding. SafetyWing's base Nomad plan does NOT cover dog sledding, snowmobile safaris, or similar adventure activities in Lapland. If a dog sled experience is on your Swedish itinerary, SafetyWing is the wrong policy.
Is Stockholm travel insurance necessary?
For EU/EEA citizens, Stockholm travel insurance is technically optional for medical coverage since EHIC applies. For non-EU/EEA visitors, it is strongly recommended — Swedish private healthcare for uninsured foreign visitors is expensive. Even for EU/EEA citizens, travel insurance adds meaningful coverage for trip cancellation, baggage loss, travel delay, and emergency evacuation from remote areas outside Stockholm. If you are combining Stockholm with Lapland on the same trip, you need adventure activity coverage regardless of your EU status.
What does emergency evacuation from the Kungsleden trail cost?
Emergency helicopter evacuation from Sweden's Kungsleden trail (the King's Trail) can cost $8,000–$25,000 depending on location, conditions, and distance to the nearest hospital. The trail runs 440km through remote Lapland terrain between Hemavan and Abisko, with sections far from road access. Swedish mountain rescue (Fjällräddningen) coordinates with helicopter services, and evacuation costs land on the individual without adequate insurance. Heymondo and World Nomads both provide unlimited or very high evacuation coverage that covers these incidents.
Does travel insurance cover Northern Lights tours in Sweden?
Yes — if you have the right provider. Northern Lights experiences in Sweden center on Abisko, Kiruna, and the Swedish Lapland ice hotel region. The tours are activity-based: snowmobile safaris, dog sledding, snowshoe walks, and ice hotel stays with outdoor excursions. These qualify as adventure or outdoor activities. World Nomads covers them explicitly. Heymondo covers most Lapland adventure activities. SafetyWing does NOT cover snowmobile safaris or dog sledding. If Northern Lights tourism is the purpose of your Sweden trip, SafetyWing is inadequate.
What are the main risks of traveling to Swedish Lapland?
Swedish Lapland's primary risks are cold-weather activity injuries (dog sled accidents, snowmobile rollovers, frostbite during extended exposure), remote trail incidents on the Kungsleden, and limited access to medical facilities in northern Sweden. The nearest major hospital to Abisko is in Kiruna — manageable by road or helicopter. In summer, Lapland risks shift to extended wilderness hiking, river crossings on the Kungsleden, and wildlife encounters. Medical evacuation from remote Lapland is the most expensive risk: helicopter evacuations run $8,000–$25,000. The second risk is cold injury requiring hospital treatment, which for non-insured visitors at private Swedish rates runs $2,000–$8,000+.