Questions: travel insurance

Why is public health insurance not sufficient? What should I do if I plan to travel for more than 60 days? Are my children covered on the same terms as me?

Get advice, guidance and answers to the most frequently asked questions about travel insurance. Read what you can do to avoid damage and what you should do in case of an accident.

What do you need help with?

  • What is a travel insurance?
  • Does the insurance cover all members of the household?

    Your travel insurance can cover all in your household – i.e. you, your partner, your children, as well as up to two extra people. It is precondition that everyone is living and sharing your residential address.

    In addition, the following people may be covered if they are not covered by another insurance:

    • Shared parenting children
    • Foster children (only travelling together)
    • Children under 18 years of age who have moved away from home
    • Exchange students living with you
    • Spouse or partner living in a care home

    An additional travelling companion
    If you bundle all your insurance policies with us, a companion can be covered by your travel insurance, as well as by the optional coverings Extended Travel and Cancellation.

    Has your question been answered?
  • What do I do if I lease a car abroad and it gets damaged?
    We recommend you take pictures of the damage you have made, and make sure you get paper and receipts from the car rental company. When you report the claim, Tryg must use images and receipts as documentation.

    We cover deductible
    If you have an Extended Travel Insurance (optional for your travel insurance), we cover the deductible in case of damage to the rented vehicle (this also applies to a rented motorcycle, moped or scooter). We cover up to DKK 10.934 (2019).

    Please note that paint and scratches are not covered by this optional covering.

    Has your question been answered?
  • What should I do if I plan to travel more than 60 days?

    Our travel insurance generally covers up to 60 days per journey.

    • If you are travelling for more than 60 days, contact Tryg Forsikring on +45 7033 2525 and tell them you are an IDA member.
    • Ask if Tryg can extend your Travel insurance, because you are travelling for more than 60 days.

    Changed coverage
    Please be aware - if Tryg extend your Travel insurance to cover beyond 60 days, the following coverings are not included:

    • Replacement trip
    • Lost vacation days

     These three benefits will be suspended during the entire trip.

    Read more in the terms and conditions.

    Has your question been answered?
  • Will my travel insurance cover me outside the EU?

    We offer two travel insurances:

    • one that covers travel in Europe/EEA countries
    • one that covers the whole world.

    If you are travelling outside the EU, you need to select an insurance that covers the whole world.

    If you currently have travel insurance that covers Europe and want to extend it to cover the world, you can do the change yourself. 

    Log in to My Page: I want to extend my travel insurance.

    Has your question been answered?
  • Does the public health insurance cover trips abroad?

    You can use your yellow health card (medical card) for trips in Denmark, the Faroe Islands and Greenland. Otherwise you need to use your blue European health insurance card, if you need medical help during a stay in an EU country, Norway, Iceland, Liechtenstein or Switzerland.

    The EU health insurance card covers costs of essential medical and hospital treatment on the same terms as the citizens of the country you are in. The blue EU health insurance card only covers costs from public treatment centres. If the treatment comes from a private treatment centre, you either pay yourself or use your travel insurance.

    Has your question been answered?
  • What is a medical preliminary evaluation?

    A travel insurance covers only acute illness or injuries that occur while on holiday. If you have a chronic illness, or have you been ill before your holiday, you probably need a medical evaluation before traveling.

    Read more and see how to get a medical pre-travel evaluation.

    Has your question been answered?
  • Does the insurance cover if I pick up an injury during my skiing holiday?

    For example, if you suffer an accident while skiing or snowboarding, IDA's Travel Insurance gives you access to medical treatment, transportation, and if needed. repatriation. This applies regardless of whether you are injured on ski slopes or off-piste.

    Would you like to know more about which claims are covered by your Travel Insurance?

    Download terms and conditions

    Replacement travel and ruined travel days 
    You will have to purchase the additional option skiing holidays cover if you wish to be compensated with a 'replacement travel' and for 'ruined travel days' if you are injured on skiing or snowboarding.

    Has your question been answered?
  • I am travelling tomorrow – can I still buy travel insurance?

    As an IDA member, you can buy travel insurance in a matter of minutes. Once you have prepared an insurance quote for travel insurance, we will send you a link so that you can accept the insurance. As soon as you have accepted your insurance, you are covered.

    Has your question been answered?
  • Which countries are in the EU?

    If you have travel insurance that covers Europe/EEA countries, you are covered in the following places:

    Andorra, the Azores, Belgium, Bulgaria, Cyprus, Estonia, Finland, France, Faroe Islands, Gibraltar, Greece, Greenland, Holland, Isle of Man, Ireland, Iceland, Italy, Canary Islands, Channel Islands, Croatia, Latvia, Liechtenstein, Lithuania, Luxembourg, Madeira, Malta, Monaco, Norway, Poland, Portugal, Romania, San Marino, Switzerland, Slovakia, Slovenia, Spain, Great Britain, Sweden, Czech Republic, Germany, Hungary, the Vatican and Austria.

    If you travel outside these countries, you need travel insurance that covers the whole world.

    Has your question been answered?
  • Am I covered on business trips?

    The travel insurance does not cover business trips. However, the private part of a combination trip, where you extend your business trip with a private holiday or vice versa, is covered. Travel that is linked to humanitarian work, unpaid charity work and unpaid placements (as part of an education) is also covered.

    If you are self-employed and want to be covered for a business trip, we recommend you take out business travel insurance.

    Has your question been answered?
  • Does the insurance cover 'extreme sports'?

    Yes, you are covered by the travel insurance by participating and exercising, for example:

    • Any kind of motorbike or horse racing
    • Martial arts such as boxing and karate
    • Rock climbing or rappelling
    • Parachute of all species, hang gliding, gliding and kite flying
    • River rafting

    See the list of all dangerous sport activities

    You are not covered if:

    • You participate in an expedition (e.g. on ice sheets)
    • Practice dangerous sports at professional level
    Has your question been answered?
  • What does a cancellation insurance cover?
  • Does my insurance cover if I don't have the blue card (det blå sygesikringskort)?

    As long as you have residence permit in Denmark, your travel insurance will cover you. 

    Has your question been answered?
  • Does the insurance cover all members of the household?

    Your travel insurance can cover all in your household – i.e. you, your partner, your children, as well as up to two extra people. It is precondition that everyone is living and sharing your residential address.

    In addition, the following people may be covered if they are not covered by another insurance:

    • Shared parenting children
    • Foster children (only travelling together)
    • Children under 18 years of age who have moved away from home
    • Exchange students living with you
    • Spouse or partner living in a care home

    An additional travelling companion
    If you bundle all your insurance policies with us, a companion can be covered by your travel insurance, as well as by the optional coverings Extended Travel and Cancellation.

    Has your question been answered?
  • What should I do if I plan to travel more than 60 days?

    Our travel insurance generally covers up to 60 days per journey.

    • If you are travelling for more than 60 days, contact Tryg Forsikring on +45 7033 2525 and tell them you are an IDA member.
    • Ask if Tryg can extend your Travel insurance, because you are travelling for more than 60 days.

    Changed coverage
    Please be aware - if Tryg extend your Travel insurance to cover beyond 60 days, the following coverings are not included:

    • Replacement trip
    • Lost vacation days

     These three benefits will be suspended during the entire trip.

    Read more in the terms and conditions.

    Has your question been answered?
  • Does the public health insurance cover trips abroad?

    You can use your yellow health card (medical card) for trips in Denmark, the Faroe Islands and Greenland. Otherwise you need to use your blue European health insurance card, if you need medical help during a stay in an EU country, Norway, Iceland, Liechtenstein or Switzerland.

    The EU health insurance card covers costs of essential medical and hospital treatment on the same terms as the citizens of the country you are in. The blue EU health insurance card only covers costs from public treatment centres. If the treatment comes from a private treatment centre, you either pay yourself or use your travel insurance.

    Has your question been answered?
  • Does the insurance cover if I pick up an injury during my skiing holiday?

    For example, if you suffer an accident while skiing or snowboarding, IDA's Travel Insurance gives you access to medical treatment, transportation, and if needed. repatriation. This applies regardless of whether you are injured on ski slopes or off-piste.

    Would you like to know more about which claims are covered by your Travel Insurance?

    Download terms and conditions

    Replacement travel and ruined travel days 
    You will have to purchase the additional option skiing holidays cover if you wish to be compensated with a 'replacement travel' and for 'ruined travel days' if you are injured on skiing or snowboarding.

    Has your question been answered?
  • Am I covered on business trips?

    The travel insurance does not cover business trips. However, the private part of a combination trip, where you extend your business trip with a private holiday or vice versa, is covered. Travel that is linked to humanitarian work, unpaid charity work and unpaid placements (as part of an education) is also covered.

    If you are self-employed and want to be covered for a business trip, we recommend you take out business travel insurance.

    Has your question been answered?
  • What does a cancellation insurance cover?
  • What do I do if I lease a car abroad and it gets damaged?
    We recommend you take pictures of the damage you have made, and make sure you get paper and receipts from the car rental company. When you report the claim, Tryg must use images and receipts as documentation.

    We cover deductible
    If you have an Extended Travel Insurance (optional for your travel insurance), we cover the deductible in case of damage to the rented vehicle (this also applies to a rented motorcycle, moped or scooter). We cover up to DKK 10.934 (2019).

    Please note that paint and scratches are not covered by this optional covering.

    Has your question been answered?
  • Does the insurance cover if I pick up an injury during my skiing holiday?

    For example, if you suffer an accident while skiing or snowboarding, IDA's Travel Insurance gives you access to medical treatment, transportation, and if needed. repatriation. This applies regardless of whether you are injured on ski slopes or off-piste.

    Would you like to know more about which claims are covered by your Travel Insurance?

    Download terms and conditions

    Replacement travel and ruined travel days 
    You will have to purchase the additional option skiing holidays cover if you wish to be compensated with a 'replacement travel' and for 'ruined travel days' if you are injured on skiing or snowboarding.

    Has your question been answered?
  • Does the insurance cover 'extreme sports'?

    Yes, you are covered by the travel insurance by participating and exercising, for example:

    • Any kind of motorbike or horse racing
    • Martial arts such as boxing and karate
    • Rock climbing or rappelling
    • Parachute of all species, hang gliding, gliding and kite flying
    • River rafting

    See the list of all dangerous sport activities

    You are not covered if:

    • You participate in an expedition (e.g. on ice sheets)
    • Practice dangerous sports at professional level
    Has your question been answered?