Expatriates insurance

It is important that you get in contact with If's travelcare on phone +47 21 49 50 00 in order to access coverage. They can help you arrange a new flight home when you are able to travel again.

The insurance covers extra expenses for a ticket if the employee interrupts the business trip due to e.g. a close relative suffers a life threatening illness, accident or dies. You should always check the possibility of rebooking your original ticket. We cover economy class tickets.

The insurance covers emergency dental treatment up to NOK 5000 during the journey. When you return from your journey, we do not cover further treatment even if the treatment was not finished dueing the trip.

If's travelcare offers immediate help 24/7. ​Our travel assistance speak Nordic languages in addition to English.

You can also find our approved doctors and hospitals in the If Europeiske app.

Have you paid for medical expenses and want to request a refund?

We recommend contacting If's travelcare or download the If Europeiske app to find approved doctors and hospitals abroad. The standard of the hospitals and clinics can vary between countries and our medical assistance partner will help you find the best preferred clinic in their quality controlled network. They can also, in most situations, place a guarantee of payment. and monitor your treatment.

Emergency contact: In case of emergency you can contact If's travelcare 24/7. For easy access to important information download the If Europeiske app.

Non-Emergency: If you have any questions  you can contact our claims department within office hours.
Call + 47 21 49 24 00  or email us
Opening hours Mon - Fri 08.00 - 19.00.

Online claim forms are found here. 

If you are in contact with If's travelcare they might be able to place a gurantee of payment. However, in some countries the clinics and doctors will not accept payment from others and you will have to pay yourself and claim the costs by submitting a claim form when you get back home. It is important that you keep all medical reports and receipts.

You can upload this when submitting a claim. 

If there has been a terror attack, a crisis or a catastrophe is going on in your travel destination, you should first check the instructions from your employer.

Follow closely also the instructions from the relevant authorities.

In case of emergency or medical attention, you can always contact If's travelcare 24/7. For easy access to important information download the If Europeiske app.

Yes, the insurance covers necessary and reasonable expenses for transport back and forth to the doctor or hospital. We also cover transportation by ambulance in an acute phase.

We mainly cover cancellations caused by sickness. We also cover cancellations if an epidemic, natural disaster, terrorism or war when the Norwegian Ministry of Foreign Affairs advises against all travels to the area. For complete overview, please see our terms and conditions.

You should first claim compensation from the tour or transport operator. The insurance can cover the part that the tour or transport operator does not cover.

After you have received compensation from the tour or transport operator, please report a claim to us.

When a flight is delayed it is the airline companys responsibility to rebook you to a later flight or offer you a refund.

We cover the extra costs for a new flight ticket if the flight, or other public transportation, does not depart on scheduled time due to e.g. extreme weather conditions, technical error, traffic accident or another incident that leads to an extraordinary traffic situation. Food and beverage is not covered.

The insurance covers travel expenses if the airline or tour operator is unable to rebook your journey within 24 hours. The insurance covers accommodation if the airline company or tour operator cannot offer you transport until the next day.

When a flight is delayed it is the airline companys responsibility to rebook you to a later flight or offer you a refund.

We cover the extra costs for a new flight ticket if the flight, or other public transportation, does not depart on scheduled time due to e.g. extreme weather conditions, technical error, traffic accident or another incident that leads to an extraordinary traffic situation. Food and beverage is not covered.

The insurance covers travel expenses if the airline or tour operator is unable to rebook your journey within 24 hours. The insurance covers accommodation if the airline company or tour operator cannot offer you transport until the next day.

Luggage means items you bring with you on your travel. Money and valuables are covered to some extent, please see terms and conditions. Valuable items such as money, passport, electronic devices, jewlery, medication, fragile items, should not be packed in the check in luggage.

Contact the police and report the theft. Make sure to collect the police report. File your claim to If and attach a list of the stolen items from your luggage, specify the price and date of purchase for each item individually. If you have receipts for the items, you can attach these together with the police report.

The insurance covers damage to ckecked in luggage if you have a Property Irregularity report (you get this at the counter at the airport). Fragile items or valuables, such as computer, camera, money and jewelry sholud not be in checked-in luggage and is not covered if damaged or stolen.

Damage to suitcase and bag under transport is the airlines responsibility, and is not covered by the insurance. This must be reported directly to the airline.

If your luggage is delayed on your outbound journey, you can buy the most essential clothes and hygiene articles to manage until you get your luggage again. Make sure to keep the receipts.

You must make a PIR report (Property Irregularity Report) at the airport if your luggage doesn’t arrive on time.

The maximum cover amount is NOK 5000 for leisure travels and NOK 10 000 for business travel. There is no coverage for purchases if the luggage is delayed on the flight back home.

File a claim

If your check-in luggage hasn’t arrived and the airline confirms that it is lost, primarily the airline or tour operator is responsible for compensation. You must make the PIR report (Property Irregularity Report) at the airport if your luggage doesn’t arrive on time.

If the airline doesn’t compensate the loss of luggage in full, you can claim the exceeding amount up to the maximum amount stated in the insurance letter. Please note that valuable items should be carried in the hand luggage.

If you don't find the information you are seeking on this page, you can log on to Employee Pages.

The insurance does not cover illness that was known prior to your travel. However, if your condition acutely and unexpectedly deteriorates during your journey and you need medical treatment in a hospital, please contact If's travelcare for further assistance.

The insurance starts when you leave your home adress and ends when you return back home. Most of these insurances also has coverage for leisure trips. Please check your insurance documents for this coverage, or you can contact our customer center or your employer.

Please note that the insurance is not valid when you are home or at work or school.

In general travelling in war risk areas are not covered by the insurance but an optional insurance can be selected by your employer. Please contact your employer before travelling to risk areas to make sure your insurance cover is eligible. 

The insurance does not cover examination costs due to normal pregnancy, but unforeseen complications and treatment are covered. However, we do not cover any pregnancy-related expenses after week 35.

Before going on a business trip it is beneficial to ensure that your passport is valid. Some countries require that your passport is valid for 180 days after entry. Visa and/or insurance certificates are required for entry into a few specific countries.

If you travel to a country that requires visa make sure you apply well in advance. We always recommend that you check the current travel restrictions for your destination.

We offer a training course for Travel safety at our Learning Hub

In order to find you insurance number you can contact your employer.

You can download the Europeiske app from App Store or Google Play. If this does not work you can contact our customer center or your employer.

Remember to apply for the general visa application for China and USA before you travel. Make sure you have the contact information to our assistance partner.

China: You will need a visa. You will have to fill out an application and give your fingerprint. Also you need an invitation from the company you are going to visit in China with specified information such as name, passport number, dates. You can see more here.

USA: You should apply for "ESTA" if you are a citizen or eligible national of a Visa Waiver Program Country. Your travel needs to be 90 days or less.
You can apply for your ESTA here.

Check the Norwegian Ministry of Foreign Affairs to get information about your destination country. Follow also for you employer's travel guidelines.

The insurance covers Covid-19 testing for persons with symptoms compatible with the infection as a part of the medical treatment of a travel illness.

You can file a claim here. If you need immediate assistance, please contact If's travelcare.

Please keep all documentation like receipts, police report, medical reports and prescriptions. You can upload this in our claim form.

Please contact us if you are hospitalized, if your treatment costs are expected to exceed NOK 10 000 or if you need assistance.

After you have submitted the claim you do not need to contact us, we will contact you if we need anything else to handle your claim.

When your come back home, your travel has ended and you are no longer covered by the travel insurance. The only exception is, if your employer has an additional accident insurance and you suffered an accident (not illness) during your travel. Please contact our customer center or your employer if you are unsure if you have this coverage.