Coronavirus: Things you should know when travelling during COVID-19

Find answers to the most common questions about corona virus, travelling, travel insurance and cancellation insurance.

The official travel advice from the Ministry of Foreign Affairs determines whether your cancellation insurance and travel insurance covers you on your trip.

When the Ministry of Foreign Affairs advice against travelling to a destination, the destination will be orange or red on the official travel advice. Yellow or green destinations means you can travel.

Check the official travel advice at um.dk

Before you buy a trip

Your cancellation insurance only covers you if the Ministry of Foreign Affairs travel advice means that your destination is green or yellow at the time you book or buy your trip and the destination then changes to orange or red just before you leave.

Check your travel and cancellation insurance at My Page

If you buy cancellation insurance

Your trip must be more than 12 days ahead when you purchase or add cancellation to your travel insurance in order for you to be covered.

The destination must be green or yellow on the Ministry of Foreign Affairs travel advice when you buy cancellation insurance.

Add cancellation insurance to your current travel insurance at My Page

Holiday outside Denmark

Your travel insurance does not cover insurance claims and situations related to Covid-19.

However, the insurance covers and validates claims such as a bone fracture caused by an accident.

If you suffer an accident during your holiday, please contact Tryg Alarm to get help to the nearest healthcare facility, +45 44 68 82 00 (open 24 hours a day).

Has your question been answered?

Travel insurance covers completely according to terms and conditions, including Covid-19.

 

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If you travel to an orange country you currently have to be either vaccinated or have a worthy purpose (not holiday trips).

Vaccinated adults can bring their children under the age of 18 to orange countries.

Children between the ages of 15 and 17 years has to present a negativ COVID-19 test in order to board a flight to Denmark and take a test upon arrivel in Denmark.

Children under the age of 15 are exempt from testing requirements.

Pregnant or breastfeeding women can travel alongside their vaccinated partner.

Your travel insurance fully covers your partner and children under the age of 18 including children you have shared custody over even though they don't live with you.

Learn more about the rules for travelling on UM.dk

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Cancellation does not cover if the reason why you are cancelling (e.g., travelling restrictions) is present when you purchase or book a trip.

Subsequently, cancellation insurance does not provide coverage if the Danish Ministry of Foreign Affairs is advising against travelling to your destination when you book your trip.

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If vaccination is mandatory to enter the country, we recommend that you buy your trip when you have a full vaccine course – i.e., 14 days after your last jab, to be more specific.

The Danish Health Authority's vaccine plan may change. Cancellation insurance will not cover this event, i.e., you do not get your jab in time due to vaccine delay.

Has your question been answered?

No, Cancellation will not cover this case.

The insurance covers only situations where the Foreign Ministry changes the status of your destination to an orange or red list.

 

 

 

Has your question been answered?

Cancellation does not cover trips to orange and red destinations.

 

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Independent tour or travel (purchase of flights or accommodation at hotel/camping/accommodation):

  • Before you make the transfer, try to contact the provider and request a postponement of your upcoming payment.
  • However, you must proceed with your payment if the provider's terms and conditions demand it.
  • The next thing to do is wait and be patient, and if it is necessary, please contact Tryg Rejseskade on tel. +45 44 20 26 77. You can cancel your trip 24 hours before departure when your destination is orange or red. Please keep an eye on the list of the Foreign Ministry of Affairs.

Package or organized tour (simultaneous purchase of several travel services such as hotel, car leasing and flight tickets):

  • If you have purchased a package tour, please contact your travel provider if you have a question. Cancellation only provides coverage if pay according to the terms and conditions of your travel provider. You are subject to the provider's terms, so Cancellation does not provide coverage if you do not comply.
  • The next thing to do is wait and be patient, and if it is necessary, please contact Tryg Rejseskade on tel. +45 44 20 26 77. You can cancel your trip 24 hours before departure when your destination is orange or red. Please keep an eye on the list of the Foreign Ministry of Affairs.

Cancellation only covers when you do not get compensation for your loss from your travel provider.

If your tour operator cancels the package tour, for instance, because the Ministry of Foreign Affairs advises against travel to your destination, your tour provider must refund the total amount to you. If you have purchased the trip through an intermediary – a website that sells tours for a travel agency or provider – then the intermediary must refund the amount to you.

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Airlines must fully refund airfare to passengers whose flights they have cancelled.

The airline can offer you a voucher or a rebooking. You have the right to decline this offer, and the flight operator must refund your expenses.

Airlines do not necessarily cancel flights because the Ministry of Foreign Affairs advises against travel to the destination.

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For other travel services (for instance, hotel, car leasing company and airline), please contact your provider and formally request a refund according to their terms.

If you do not get a refund, please send the declining answer from the provider and your travel documentation to Tryg Rejseskade via My Page.

The insurance does not provide compensation if the provider offers you a rebooking, and you accept it.

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If you have been vaccinated or have recovered from COVID-19 within the last 180 days, you can travel to orange countries within the period of validity of your vaccine or positive certificate.

There is no requirement for testing or isolation after your return home, and you do not need a test before boarding your flight to Denmark.

Please note that there may be entry and exit restrictions in the country you are visiting. There may be requirements for a negative COVID-19 test, vaccine documentation, filling out forms, among other things. Remember to plan and get the necessary documents. It is your responsibility to provide the required documentation.

The insurance provides coverage if you have been vaccinated or have recovered from COVID-19 within the last 180 days.

Has your question been answered?

Cancellation does not cover this situation. 

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Cancellation does not cover if you decline your vaccination jab. 

 

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An inconclusive result is considered a positive one. Cancellation covers if you are unable to get a new test.

 

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If you have a positive test, whether you have symptoms or not, it is still an acute illness. Cancellation provides coverage in this event.

 

Has your question been answered?

Yes, if the Danish authorities tell you that as a close contact you have to go into isolation the travel insurance views it as acute illness and you are therefore covered. 

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Travel insurance provides coverage when the destination is yellow or green, even when driving through orange or red areas.

However, we do not recommend an overnight layover. If possible, please find another itinerary or mode of transport.

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Travelling abroad involves risks when the authorities advise against it.

There may be entry restrictions, lockdowns and even limited capacity in the hospital system, particularly in red areas. Moreover, conditions may be also be worsening in some orange areas. If the hospital system faces saturation, then you may not get access to treatment.

We follow the Ministry of Foreign Affairs' travel guidelines because the situation in each country is constantly changing.

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If you must quarantine because you or co-traveller get a positive test during the trip, the insurance will cover additional costs for accommodation, meals and a new ticket home if you miss your original return.

However, it is a precondition that you got there while it was yellow or green.

Has your question been answered?

This event is not covered.

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Holiday in Denmark

It does not cover entry to governmentally restricted areas because of the high Covid-19 incidence rate. However, it covers if you become acutely ill, including with Covid-19 and cannot go on vacation as planned.

 

Has your question been answered?

Cancellation does not cover if you have booked a large holiday home for, let’s say, 12 people, while there were no gathering limits, and you now wish to cancel because recent restrictions do not allow gatherings of 12 people.

 

Has your question been answered?

Cancellation does not cover this situation.

 

Has your question been answered?

Yes, Cancellation covers holidays in Denmark, just as if you were going abroad.

 

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Tryg Forsikring brings additional information

IDA Forsikring has a partnership with Tryg Forsikring for travel insurance and cancellation coverage.

For the reason we recommend that you can also visit Tryg Forsikrings website for addinational information on how to deal with the situation as a customer during the Corona pandemic.

For more information, please visit Tryg Forsikring’s website