How travel insurance covers

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 with a broken leg or 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 in the EU or EEA countries (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.

Travel Insurance covers everyone in your household for trips of up to 60 days. The insurance is annual, meaning you don't have to take out new travel insurance every time you travel - it covers 24/7.

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 either Europe or Worldwide.

If you have Travel Insurance that covers you in Europe, you're covered when you travel to the following countries:

Andorra, Azores, Belgium, Bulgaria, Cyprus (Greek part), Denmark, Estonia, Finland, France, Faroe Islands, Gibraltar, Germany, Greece, Greenland, Netherlands, Isle of Man, Ireland, Iceland, Italy, Canary Islands, Channel Islands, Croatia, Czech Republic, Latvia, Liechtenstein, Lithuania, Luxembourg, Madeira, Malta, Monaco, Norway, Poland, Portugal, Romania, San Marino, Slovakia, Slovenia, Spain, Sweden, Switzerland, United Kingdom, Hungary, Vatican City State.

 If you took out Travel Insurance AFTER 1.6.2022, the Europe version also covers Turkey.

If you have Travel Insurance purchased BEFORE 1.6. 2022, Travel Insurance for Europe does not cover Turkey.

If you are travelling outside Europe, you should choose Travel Insurance that covers the world. 

Do you already have Travel Insurance covering Europe and want to extend it to cover the whole world? Then you can change your insurance yourself 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 on your Travel Insurance if:

• You bought Travel Insurance BEFORE 1.6. 2022 and you have gathered all your insurances with us.
• You took out Travel Insurance AFTER 1.6.2022, and you have Travel Insurance Super.

Your extra travel companion will be covered on the same terms as you - even if you've chosen Extended Travel Insurance and Cancellation Insurance.

How long does my Travel Insurance cover?

It covers up to 60 days per trip. 

If you are going away for more than 60 days, contact us on 70 21 01 91 or write to IDA Forsikring.

Write to IDA Forsikring

Does my Travel Insurance include Cancellation?

IDA Travel Insurance does not provide Cancellation coverage if you must cancel your trip due to illness or unforeseen events.

If you took out Travel Insurance AFTER 1 June 2022, you need to add Cancellation coverage before purchasing the trip.

If you bought Travel Insurance BEFORE 1 June 2022, you need to add Cancellation coverage at least 12 days before departure.

You can log in to My Page to see if you already have Cancellation coverage.

If you want to add it to your policy, you can do it on My Page.

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

Read more about Cancellation

What does Travel Insurance cost?

Travel Insurance varies in price depending on the cover you have chosen, how many people it covers, and where you live.

IDA Travel Insurance covers all private travel throughout the year.

You can log on to My Page and see your premium. If you do not have it yet and need it, please calculate your premium using our quote calculator.

Calculate the price of Travel Insurance

You can also get your share of Tryg excess profit when you have insurance with IDA Forsikring.

Read more about Tryg excess profit

Does Travel Insurance cover me if I am pregnant or chronically ill?

If you are pregnant or have a chronic condition, you should take a health test to make sure your Travel Insurance covers you.

Read more about the health test

Does travel insurance cover business trips?

IDA Travel Insurance does not cover business travel. 

However, if you extend a business trip with a private holiday or a holiday with a business trip, the insurance covers your holidays, not the days comprising your business activity.

If you are self-employed and need insurance coverage for your business trip, you can buy business travel insurance. 

Read about Business Travel Insurance

Does IDA Travel Insurance provide coverage during internships and charity travel?

Our Travel Insurance Travel covers humanitarian work, unpaid volunteer programmes, and unpaid internships as part of your education.

Can I get compensation for ruined holidays because I get sick or injured?

The insurance protects against ruined holidays, but only if you bought it AFTER 1.6.2022, as part of IDA Travel Insurance Super. You can also get this cover in other insurance packages. The insurance policy will reimburse lost travel days for illness during the first half of the holiday, required hospitalisation, or medically prescribed rest.  

If you bought your Travel Insurance BEFORE 1.6. 2022, you can get compensation if more than half of your holiday is ruined due to illness requiring hospitalisation or medically prescribed rest.

Does my Travel Insurance provide coverage if I practice sports or skydiving while travelling?

Travel Insurance protects you when you practice all kinds of sports, including extreme sports, for instance:

• Motor or horse racing
• Martial arts such as boxing and karate
• Climbing or rappelling
• all forms of parachuting, paragliding, and hang-gliding
• River rafting

You are not covered if:

• You take part in an expedition (e.g., on the ice sheet)
• Playing dangerous sports professionally

If you have accident insurance, it may not cover extreme sports. Remember to check your Accident Insurance.

Read more about Accident Insurance

See the list of extreme sports PDF in Danish

Will my Travel Insurance cover me in the event of a strike or lockout?

Your Travel Insurance and cancellation insurance won't cover you in the event of a flight strike or lockout - even if you have cancellation insurance. 

However, as a consumer, you have certain rights in this area. They mean you can get your ticket exchanged or your money back. You may also be entitled to food, drink, and, if necessary, accommodation and transport.

Read about your rights at taenk.dk

Does IDA Travel Insurance cover me if I travel to a country that the Ministry of Foreign Affairs does not encourage visiting?

No, IDA Travel Insurance does not cover if you decide to travel to a country the Ministry of Foreign Affairs does not recommend.

See the Ministry of Foreign Affairs' current travel advice on um.dk

Does Cancellation provide coverage if the Ministry of Foreign Affairs advises against travelling to my destination?

It depends on when the critical situation in your destination arose and when you bought the ticket.

For further information, please contact Tryg Rejseskade at 44 68 82 00.

See the Ministry of Foreign Affairs' current travel advice on um.dk

Where can I get a Travel Insurance certificate?

If you are travelling to a country that requires confirmation of your Travel Insurance when you apply for a tourist visa in that country, you can reach us by phone at 70 21 01 91 or write to us to have the document issued. 

We need information on the date of departure, the date of arrival home, and the names and social security numbers of everyone travelling to issue accreditation.

It takes about two days to issue the confirmation.

Write to IDA Forsikring

Where can I get help during my journey?

If you experience a flight delay, you need to find the number of the police, or you want to know what to do if you have an accident during your holidays, please download the Tryg on Travel app and get help straight away.

Read more about the Tryg on Travel app (link to a recent article about Tryg on Travel)

Need medical help on holiday? You can get Danish medical consultations online with Tryg's Medical Hotline if you have an IDA Home Contents Insurance or an IDA Travel Insurance purchased AFTER 1.6.2022.

• If you have Travel Insurance purchased AFTER 1.6.2022, a consultation with the Tryg Medical Hotline is free of charge.
• If you have home contents and Travel Insurance purchased BEFORE 1 June 2022, a consultation with the Tryg Medical Hotline costs DKK 149.

Read more about Trygs Medical Hotline

How do I file a claim on my Travel Insurance?

If you need emergency help abroad, you can phone Tryg Alarm at 44 68 82 00. 

Call if you encounter a serious situation on your trip that requires immediate help, such as: 

• Hospital admission
• Trip delay, and you need help to get on your way
• If you need to get home for unexpected reasons, for instance, someone needs you
• If you need evacuation from the resort.

If you want to file a less critical claim on your Travel Insurance, you can do so on My Page.

Go to My Page and file a claim on Travel Insuarance

Where can I print my travel document with my Travel Insurance details?

Download and print travel cards here

How do I update my Travel Insurance?

Making changes to your Travel Insurance is easy. 

For example, if you want to add Cancellation to your Travel Insurance or change the insurance plan from Europe to Worldwide, you can do it yourself on My Page. 

Log in to My Page and change my Travel Insurance

Does my Travel Insurance cover a strike or lockout?

IDA Travel Insurance, with or without Cancellation coverage, does not cover strikes and lockouts.

However, as a passenger, you have some rights during an airline strike. You can exchange your ticket or get a refund. You are also entitled to food service, accommodation, and transport.

Read about your rights at taenk.dk

If the flight affected by the strike is part of a package tour, you should contact the travel agency.

Your Travel Insurance does not cover hotel, car rental, and events expenses you have arranged if a strike leads to the cancellation of your flight. Please, contact the hotel and the car rental company, and request a refund or hear about the possibility of rebooking.