Travel Insurance

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.

The insurance can cover your household: you, your partner, children, and up to two more people sharing your official residence. Your insurance must state the number of people in your household to guarantee coverage.

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

The insurance also covers your partner/spouse and children when they travel without you (policyholder). 

It protects if you must cancel your travel because you fall ill or suffer an injury before departure. You can also cancel your journey if war breaks out or terror occurs in the country you intend to visit, or if, for example, something unexpected (like lay-off, divorce, or re-examination during the travel period) turns out.

Remember to buy Cancellation before paying for your trip.

Read more about Cancellation coverage.

Illness and injuries:

The insurance covers if you get sick or suffer an injury 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 provide transport to a hospital or home in case of illness, injury, and death during your holidays. Please be aware that our physician must first approve this measure.

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. Delay is running late to the official itinerary, including changes that the transport company or travel agency may have previously informed you.

Missed transport:

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

It provides coverage if you arrive more than 3 hours later than scheduled at your destination because your flight is running late, cancelled, or overbooked. The amount of compensation depends on whether you are flying within Europe, to Europe, or from Europe. Check out your insurance policy.

The insurance covers the following sources of damage to those personal items you bring with you on the journey and things you buy on the trip:

• Fire, lightning, explosion, and water damage
• Theft or robbery of the luggage
• Sudden Damage and Electronic Malfunctioning
• Loss or damage of hand, sent, or checked-in baggage.

In addition, the insurance covers damaged or lost items when they are checked-in as baggage on flights, carried by train or bus, or sent by courier.

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

• Hospitalisation.
• A medical diagnosis shows that you require rest in your holiday home.
• Home transport or curtailment.
• Deceased.
• Governmental requirements for self-isolation/quarantine due to established COVID infection or close contact with a COVID-infected person. The compensation goes on equal terms to all of them with you and under the policy. The amount cannot exceed 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:

• Hospital admission for more than half of the planned travel period.
• Early home transport or curtailment.
• Deceased.

See the terms and conditions of your insurance.

We provide coverage, as follows, if you cannot complete your trip entirely or partly because your travel provider becomes insolvent:

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

If you rent a holiday home turns out to be unusable, or it becomes useless while you are 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.

It covers the trip expenses if you cannot participate in the planned activity of the journey because one of the following settings occurs in the first half of your vacation:

• Hospital admission for more than half of the planned travel period
• A diagnosis showing that you cannot participate in your planned activity for more than half of your vacation
• You suffer a bone fracture, fracture, ligament injury, dislocation, or severe sprain that makes it impossible to participate in your planned activity for more than half of your vacation
• Home transportation or curtailment

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

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.

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.

Read more about Tryg Medical Hotline.

Read more about free travel vaccination.