Travel Insurance: Safety While Traveling the World

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.

The insurance covers trips lasting up to 60 days or longer if written on your insurance policy.

Your insurance can cover your household, including yourself, your partner, your children, and up to two additional individuals who share your official residence. To ensure coverage, it is essential that your insurance policy clearly states the number of individuals in your household.

Check on My Page how many people are registered, and contact us if the number is incorrect.

Your insurance policy covers your partner/spouse and children when they travel without you, the policyholder.

Illness and injuries:

The insurance covers if you get sick or injured on your trip and need medical care, medicine, or hospitalisation.

You are entitled to receive treatment at a private hospital if:

• The physician estimates that treatment at a public hospital is insufficient
• If a private hospital is the only option
• When we consider that the nearest public hospital is too far away

Curtailment:

The insurance covers if you must interrupt your holiday and go back to Denmark due to the death of a family member, seriously ill or injured.

Likewise, there is coverage if you must go home because of, for example:

• Fire, explosion, or flooding
• Home or business break-ins (if reported to the police)

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 transportation to a hospital or home if you fall ill, get injured, or pass away during your vacation. However, please note that our physician must approve this before we can arrange it.

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 participate in extreme sports in connection with a trip, you can get compensation if you have a crash or accident.

For example, you can get coverage for the following sports or activities:

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

Please check out our list of those sports/activities that we cover.

Read more about Tryg Medical Hotline

Baggage delay:

It covers your expenses for buying clothes and toiletries in case of luggage delay for more than 3 hours.

Transportation delay:

The insurance covers extra expenses for accommodation and food if your flight, plane, train, ship, or bus is behind schedule by more than 3 hours at the moment of your arrival. The delay is due to the late official itinerary, including changes that the transport company or travel agency may have previously informed you of.

Late arrival:

If you, involuntarily and in a completely unforeseen situation, arrive late for a means of public transport or something similar arranged by a travel provider,

The insurance covers the daily cost of every ruined vacation day if one of the following scenarios, and you are not entitled to a completely ruined holiday compensation:

• You need hospitalisation.
• A medical diagnosis shows that you require rest in your holiday home.
• If you need a way to get home (home transport) or have to cut your trip short due to an emergency (curtailment), we can assist you with transportation.
• You pass away.
• If you have tested positive for COVID-19 or have been in close contact with someone who has, the government may require you to self-isolate or quarantine. The compensation goes on equal terms to all of them with you and under the policy. The amount must be, at most, the travel amount you have previously selected.

The insurance covers the total cost of the trip if one of the following scenes occurs in the first half of the planned travel period:

• If you require hospitalisation that lasts more than half your planned travel time.
• If you need a way to get home (home transport) or have to cut your trip short due to an emergency (curtailment), we can assist you with transportation.
• You pass away.

See the terms and conditions of your insurance.

If you are using a rented car, motorhome, motorcycle, ATV, or moped during your holiday, and you have an incident where you must pay an excess, we will cover your financial loss according to the sum you have chosen on your policy.

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.

If your travel provider becomes insolvent and you are unable to complete your trip entirely or partially, we offer coverage as follows: 

• The additional return trip cost if you are currently travelling. 
• The cost of the trip if you have not departed.

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

The insurance covers an additional travel companion for the entire journey. You both depart, travel, and return together. The insurance covers your extra travel buddy on the same terms as you.