Travel insurance: Travel with peace of mind worldwide

If you only travel in Europe, you can limit your coverage to Europe and Turkey. If you travel outside to another place, you need Worldwide coverage. It covers the whole globe except the North and South Poles.

If you have chosen Europe+Turkey, the value of the trip is max. DKK 90,000. If you have chosen World, the value is max.DKK 180,000. If you are going on a trip at a higher value, please contact Tryg Customer Service on 44 20 20 21.

You can choose 30, 60 or 90 days per trip. Check your policy to see how many days you have selected.
If your trip lasts more than 90 days, contact Tryg Customer Service on +45 44 20 20 21.

They open Monday to Friday from 08:30 to 19:00.

The insurance covers everyone in your household. The household includes you, your partner, your children and up to two additional people who live at the same registered address.
You must state the number of people in your household on your policy for them to receive cover.
Check My Page to see how many people your travel insurance includes, and contact us if the number is incorrect.

If your partner and your children travel without you as the policyholder, they still receive cover.

The insurance covers the following types of travel:

• Private leisure trips (remember to add ski cover if you want cover for injury and lost travel days when you ski or snowboard)
• Study trips
• Folk high school stays
• Study stays where you enrol at a secondary school or higher education institution
• Unpaid internships
• Unpaid work

You pay no excess on this insurance.

Illness and injury

We cover you if you fall ill or suffer an injury during your trip and need treatment, medication, a doctor or a hospital.

You can receive treatment at a private hospital if:

• A doctor assesses that treatment in a public facility is not sufficient
• A private facility is the only option
• We assess that the nearest public facility is too far away

Curtailment

We cover you if you need to cut your trip short and return home because a family member in Denmark has passed away, becomes seriously ill or suffers a serious injury.

We also cover you if you need to return home due to, for example:

• Fire, explosion or flooding
• Burglary in your home or your business (reported to the police)

Please note

The insurance does not cover injuries from skiing or snowboarding unless you add Ski – Injury cover.

Search and rescue

The insurance covers search expenses up to a radius of 50 km from the place where you were last seen in public. It also covers rescue after your localisation has been established.

Evacuation and involuntary stay:

The insurance covers if an incident occurs on your trip that requires evacuation. For example:

• War or prelude to war
• Epidemics
• Terrorist acts

Evacuation and repatriation will first be on the table when the Ministry of Foreign Affairs of Denmark recommends it.

Psychological support:

We cover your and your relatives’ expenses for professional psychological support during one of those abovementioned crises on the spot and upon return.

We can arrange transport to a hospital or back home if you fall ill, suffer an injury or pass away during your trip. Please note that our doctor must approve repatriation in advance.

Please note

The insurance does not cover injuries from skiing or snowboarding unless you add Ski – Injury cover.

If you rent a holiday home, it turns out to be unusable or useless while staying there. The reasons could be water, hail, fire, explosion, theft, terror, flooding, earthquake, or any other natural source of damage. The insurance will cover additional costs you have for accommodation and food for a similar holiday home.

If you take part in high-risk sports during your trip, you can receive compensation if you have an accident.
For example, you can get cover for the following sports and activities:

• Mountaineering
• Boxing
• Skydiving
• Kitesurfing
• Paragliding
• River rafting

See the full list of covered sports and activities (in Danish)

Read more about Tryg Medical Hotline

Baggage delay:

Covers your expenses for clothing and toiletries if your baggage is delayed by more than five hours.

Transport delay:

The insurance covers additional expenses for accommodation and meals if your outbound or return journey by plane, train, ship, or bus is delayed by more than five hours compared with the planned arrival time. We calculate the delay based on the original schedule, including any updates provided by the transport company or travel agent.

Missed departure:

If you miss public transport or transport arranged by a tour operator through no fault of your own and without being able to foresee it.

We cover the cost per lost travel day if any of the following events occur:

• You are admitted to hospital
• A doctor confirms that you must stay in your holiday accommodation
• We repatriate you or call you home
• You pass away
• You must stay in your accommodation due to a public authority requirement for self-isolation or quarantine following a confirmed COVID-19 infection or close contact with an infected person
• A doctor confirms that you cannot take part in the main planned activities of your trip. The main activity must be booked before you fall ill or suffer an injury, and must appear in a travel document or similar confirming the purpose of your trip
• Your travel companion falls acutely ill, suffers an injury, is repatriated or called back to Denmark and receives compensation for lost travel days under their own insurance. You must stay with your travel companion during the illness period and document their compensation

See the terms and conditions of your policy.

Please note

The insurance does not cover injuries from skiing or snowboarding unless you add Ski – lost travel days cover.

If you rent a car, motorhome, motorcycle, ATV, or moped during your trip and an incident during the rental period results in you having to pay an excess, we cover your financial loss.

The sum on your policy is fixed at DKK 25,000.

Read more here

If your flight is delayed, cancelled, or overbooked, and you arrive at your destination more than three hours later than scheduled, you may be eligible for compensation. Your compensation depends on whether you fly within Europe, to Europe, or from Europe. To find out if you are covered, review your insurance policy.

It covers two days of your holidays where you mainly participate in business activities such as a fair, conference, company visit, or meeting. The days don't have to be consecutive.

Read more about free travel vaccination