How travel insurance covers you

Why do I need travel insurance?

Without Travel Insurance on your holiday abroad, you could be liable for medical treatment, hospitalisation, and repatriation if you fall ill or suffer an injury. It could add up to hundreds of thousands of DKK if you need transportation back home after a broken leg or if you fall ill while travelling outside Europe.

In addition, your Travel Insurance also covers luggage delays or if war, epidemics, or terrorism occur and you need evacuation.

Do I need travel insurance if I have the EU Blue Card?

The yellow health insurance card no longer covers travel abroad. Instead, you must carry the blue EU health insurance card when travelling within the EU or the EEA (Norway, Iceland, Switzerland, and Liechtenstein). 

The EU Blue Card is not a substitute for travel insurance. The EU Blue Card covers the cost of necessary medical and hospital care under the same conditions as residents.

The blue EU health insurance card does not cover:

• If you are travelling outside Europe.
• If you need to be transported home to Denmark because of illness or if you are injured.
• If you want to call a relative from Denmark because you are seriously ill or injured.
• If your holiday is interrupted due to illness/injury.
• If your baggage does not arrive in time.

Please remember to renew your blue EU health insurance card every five years.

Order the blue EU health insurance card at borger.dk

Can I buy IDA Travel Insurance if I am not a Danish citizen?

To get IDA Travel Insurance, you must have a Danish address and a yellow health insurance card. It is not necessary to be a Danish citizen.

What does IDA Travel Insurance cover?

IDA Travel Insurance covers:

• The cost of medical care, medication, or hospital treatment if you are injured or fall ill during your trip.
• Repatriation to Denmark if you or a close family member falls sick with something, suffers an injury, or dies.
• Events during your trip that require evacuation, such as epidemics, war, or terrorism
• Luggage delays on departure.

IDA Travel Insurance covers everyone in your household on trips of up to 30 days, or longer if you selected this in your policy. This annual Travel Insurance means you do not need to take out a new policy for each trip; you stay covered at all times.

Travel insurance covers you either in Europe or worldwide.

Your Travel Insurance does not include Cancellation coverage.

When you log in to My Page, you get a quick overview of your Travel Insurance. Among other things, you can see what coverage you have. 

If you want an add-on - e.g., Cancellation - you can do so via My Page.

Log in to My Page and change my Travel Insurance

Read more about IDA Travel Insurance

In which countries does IDA Travel Insurance cover?

You can choose Travel Insurance that covers Europe or worldwide.

If you purchased Travel Insurance after 1 June 2022 or after 9 June 2026 for Europe + Turkey, it covers travel in the following countries:

Albania, Andorra, Armenia, Austria, Azerbaijan, the Azores, Belgium, Bosnia, Bulgaria, Cyprus (both the Turkish and Greek parts), Denmark, the Canary Islands, England, Estonia, Finland, France, the Faroe Islands, Georgia, Gibraltar, Greece, Greenland, the Netherlands, Belarus, Ireland, Iceland, Italy, Kazakhstan, Kosovo, Croatia, Latvia, Liechtenstein, Lithuania, Luxembourg, Madeira, Malta, Moldova, Monaco, Montenegro, North Macedonia, Northern Ireland, Norway, Poland, Portugal (including the Azores and Madeira), Romania, Russia up to the Ural Mountains, San Marino, Switzerland, Serbia, Scotland, Slovakia, Slovenia, Spain (including the Canary Islands), the United Kingdom, Sweden, the Czech Republic, Turkey, Germany, Hungary, Vatican City and Wales.

If you purchased Travel Insurance before 1 June 2022, your Europe cover does not include Turkey.

If you travel outside the EU/EEA, you must choose Travel Insurance that covers the whole world.

If you already have Travel Insurance with Europe cover and want to extend it to worldwide cover, you can update your policy on My Page.  

Log in to My Page and change the coverage area of your Travel Insurance

Who is covered by Travel Insurance?

IDA Travel Insurance covers everyone in your household - that means you, your partner, your children, and up to two extra people, provided they all have the same address as you. 

The insurance also covers the following people if they do not have insurance:

• Shared children
• Foster children (only on joint journeys)
• Children under 18 who have left home
• Exchange students who live with you
• Spouse or partner living in a care home

If you are travelling with your grandchildren, they are generally not covered by your Travel Insurance. However, Travel Insurance does have some cover that your grandchildren will benefit from:

• Curtailment
• Patient escort
• Cancellation coverage

Additional travel companion

You can include an additional travel companion who does not live with you on your Travel Insurance if:

• If you purchased Travel Insurance before 1 June 2022, you have all your insurance with us, and you travel without anyone you live with
• You purchased Travel Insurance after 1 June 2022 and before 9 June 2026, and you have Travel Insurance Super. In this case, you do not need to travel without anyone you live with

Your additional travel companion receives the same cover as you, including Travel Insurance Super and Cancellation cover, if you selected these.

• If you purchased Travel Insurance after 9 June 2026, you cannot include an additional travel companion in your policy.

How long does my Travel Insurance cover my trips?

IDA Travel Insurance covers trips of up to 30 days as standard.

Your policy shows the number of travel days. You can find your policy on My Page.

You can change the number of travel days on My Page. If you plan to travel for more than 90 days, call us on +45 70 21 01 91 or write to IDA Forsikring.

Write to IDA Forsikring

Does my Travel Insurance include Cancellation cover?

IDA Travel Insurance does not include cancellation cover as standard.

If you purchased Travel Insurance after 1 June 2022, you must buy cancellation cover before you book your trip.

If you purchased Travel Insurance before 1 June 2022, you must buy cancellation cover no later than 12 days before departure.

Log in to My Page to check whether you already have cancellation cover.

You can also add cancellation cover on My Page.

Log in to My Page and add or check your Cancellation Cover

Read more about IDA Forsikring Cancellation cover.

How much does Travel Insurance cost?

The price depends on the cover you choose, how many people the policy covers and where you live.

IDA Travel Insurance is an annual policy that covers all private trips throughout the year.

If you already have a policy, you can see your price on My Page. If you are a new customer, you can calculate the price using the online quote tool.

Calculate your price for Travel Insurance.

Does Travel Insurance cover pregnancy or chronic conditions?

If you are pregnant or have a chronic condition, you must complete a medical assessment to check whether your Travel Insurance covers you.

Read more about the medical assessment.

Does Travel Insurance cover business trips?

IDA Travel Insurance does not cover business travel.

If you extend a business trip with a private holiday, or combine a private trip with a business trip, the policy covers the private part.

Travel Insurance covers trips of up to 30 days as standard, and the number of travel days runs from your departure from Denmark. If you travel for business for 21 days and then take 14 days of holiday, contact us.

You can log in to My Page and extend your Travel Insurance (up to 90 days).

For trips longer than 90 days, call us on +45 70 21 01 91 or write to IDA Forsikring.

Write to IDA Forsikring

Read more about IDA Forsikring Business Travel Insurance

Can I claim compensation if illness or injury ruins my holiday?

If you purchased Travel Insurance with Extended or Super cover after 1 June 2022, or Travel Insurance before 1 June 2022, you can claim compensation for lost travel days. If you purchased Basic Travel Insurance after 1 June 2022, the policy does not include cover for lost travel days, and you cannot add it.

You can claim compensation if illness occurs during the first half of your trip and requires hospitalisation or medically prescribed rest.

Does my Travel Insurance cover sports and activities, including skydiving?

Your Travel Insurance covers you when you take part in all types of sport, including high-risk activities such as:

• Motor racing or horse racing
• Martial arts such as boxing and karate
• Mountaineering or abseiling
• All types of parachuting, hang gliding and paragliding
• River rafting

Your Travel Insurance does not cover you if:

• You take part in an expedition (for example, on the ice sheet)
• You practise sport at a professional level

You only have cover for skiing/snowboarding if:

• Your Travel Insurance covers skiing and snowboarding only if you add Ski – injury and Ski – lost travel days and you purchased your policy after 9 June 2026.

Accident Insurance:

Your Accident Insurance may not cover high-risk sports. Check your policy.

Read more about IDA Forsikring Accident Insurance (purchased before 1 June 2023)

See the list of high-risk sports.

Does Travel Insurance cover travel to countries the Ministry of Foreign Affairs advises against?

No. Your Travel Insurance does not cover you if you choose to travel to a country that the Ministry of Foreign Affairs advises against.

See current travel advice at um.dk

Does cancellation cover apply if travel advice changes?

It depends on when the situation in the country arose compared to when you booked your trip.

Contact Tryg Travel Claims on +45 44 68 82 00 for more information.

See current travel advice at um.dk

Where can I get confirmation of my Travel Insurance?

If you need confirmation of your Travel Insurance for a visa application, contact us on +45 70 21 01 91 or write to IDA Forsikring.

Provide your departure date, return date and the names and CPR numbers of all travellers.

We issue the confirmation within approximately two days.

Write to IDA Forsikring

Where can I get help during my trip?

If the airline delays your flight, you need local emergency numbers, or you need guidance after an incident, you can print a travel card and get help immediately.

Read more about the travel card and download it (in Danish).

If you need medical advice during your trip, you can use Tryg's medical helpline, which offers video consultations if you have IDA Home Contents Insurance or Travel Insurance purchased after 1 June 2022.

• If you purchased Travel Insurance after 1 June 2022, you pay no fee for a consultation.
• If you have Home Contents Insurance and Travel Insurance purchased before 1 June 2022, a consultation costs DKK 149.

Read more about Tryg's medical helpline.

How do I file a claim?

If you need urgent help abroad, contact Tryg Alarm on +45 44 68 82 00.

Call if you face a serious situation such as:

• Hospital admission
• Travel delays that require assistance
• Early return due to an emergency at home
• Evacuation

Report non-urgent claims on My Page.

Go to My Page and report a Travel Insurance claim

Where can I print my travel card?

Download and print your travel card here (in Danish).

How do I change my Travel Insurance?

You can easily make changes on My Page.

For example, you can add cancellation cover or change your cover from Europe to worldwide.

Log in to My Page and change your Travel Insurance

Does Travel Insurance cover strikes or lockouts?

Your Travel Insurance and Cancellation cover do not cover flight strikes or lockouts, even if you have Cancellation cover.

Watch this video

Travel Insurance and cancellation cover do not cover flight strikes or lockouts. However, you have consumer rights. You may change your ticket or receive a refund. You may also claim meals, drinks, accommodation and transport.

Read about your rights at taenk.dk

If your flight forms part of a package holiday, contact your travel provider.

Travel Insurance does not cover costs for hotels, car hire or activities if you cannot reach your destination due to a strike. Contact the provider to ask about rebooking or refunds.

Can Travel Insurance help with your dog if you go into hospital?

If you go into hospital abroad, we take care of your baggage and your dog. We store your baggage and care for your dog, or transport your dog home if no care option exists.