ABCforsikring Travel insurance (Verdensrejseforsikring)
Underwritten by ABCforsikring · Denmark
travel insurance from ABCforsikring for the Denmark market, with 24/7 assistance.
Verified Sep 1, 2026 · Terms dated 2021Sources
Unique selling points
Unlimited cover for acute illness/injury treatment and home transport.
Ski cover can be added with no commitment or fees.
24-hour, 365-days-a-year emergency assistance through dedicated partner SOS International.
Covers the whole household including the policyholder's own accompanying children up to age 18, not just the individual traveller.
Holiday compensation (feriekompensation) of up to 100,000 DKK if illness, injury, hospitalisation or death prevents the insured from enjoying the trip.
Coverage limits
Acute illness/injury medical expenses
unlimited
Unlimited coverage (per the short coverage overview: "Sygdom/Hjemtransport Ubegrænset") for reasonable and necessary expenses for doctor treatment, prescribed medication, hospital stay, physiotherapy (capped at 15,000 DKK), taxi to treatment (capped), and ambulance transport in case of acute illness or injury during the trip.
Section: 1. KORT DÆKNINGSOVERSIGT
Sygdom/Hjemtransport Ubegrænset
Emergency medical treatment
unlimited
Covers doctor treatment authorised in the country of treatment and ambulance transport from the site of illness/accident to the treatment site, part of the unlimited Sygdom/Hjemtransport sum.
Section: 7.2 Hvilke udgifter dækker årsrejseforsikringen i verden
a) behandling hos læge med autorisation i det land, hvor forsikrede bliver behandlet, ... j) ambulancetransport fra sygdoms-/ulykkesstedet til behandlingsstedet.
Hospitalization
unlimited
Covers hospital stay in a semi-private (two-bed) room and doctor-prescribed hospital treatment, including operations, as part of the unlimited Sygdom sum for travel outside the EU; within the EU, ordinary (public) hospital stays and treatment including operations are covered.
Section: 7.2 Hvilke udgifter dækker årsrejseforsikringen i verden
c) hospitalsophold på tosengsstue (semiprivate) og lægeordineret behandling på hospital, herunder operationer,
Outpatient treatment
unlimited
If SOS's doctor assesses that the insured can be treated on an outpatient basis instead of in hospital, the policy covers hotel stay and meals up to 2,000 DKK, as part of the unlimited Sygdom sum.
Section: 7.2 Hvilke udgifter dækker årsrejseforsikringen i verden
l) ophold på hotel samt fortæring med op til 2.000 kr, i tilfælde af, at SOS's læge vurderer, at forsikrede kan behandles ambulant i stedet for på hospital.
Emergency dental treatment
DKK 3K – DKK 5K
Covers own payment for authorised dentist treatment up to 3,000 DKK within the EU, and acute pain-relieving dental treatment up to 5,000 DKK outside the EU. Specialist treatment, crown and root canal work are excluded.
Section: 7.1 Hvilke udgifter dækker årsrejseforsikringen i EU
d) egen betaling for behandling hos tandlæge med autorisation i det land, hvor forsikrede bliver behandlet med maks. 3000 kr,
Medical transport / home transport
unlimited
Covers necessary extra expenses for home transport to residence/hospital in Denmark when SOS's doctor deems it necessary and defensible; part of the unlimited Sygdom/Hjemtransport sum. Subsidiary to public health cover for EU travel.
Section: 7.4.1 Hvilke udgifter dækker årsrejseforsikringen
a) Ekstraudgifter til hjemtransport til bopæl/hospital i Danmark. SOS's læge vurderer – efter kontakt til behandlende læge – om en hjemtransport er nødvendig og forsvarlig samt hvilket transportmiddel, der i bekræftende fald skal benyttes.
Medical evacuation
unlimited
Medically necessary transport/evacuation to Denmark for treatment, arranged by SOS's doctor, covered under the unlimited Sygdom/Hjemtransport sum. Distinct from the separate 75,000 DKK political/natural-disaster "Evakuering" benefit.
Section: 7.4.1 Hvilke udgifter dækker årsrejseforsikringen
SOS's læge vurderer – efter kontakt til behandlende læge – om en hjemtransport er nødvendig og forsvarlig samt hvilket transportmiddel, der i bekræftende fald skal benyttes.
Repatriation of remains
unlimited
Covers either home transport to an undertaker/crematorium in Denmark in case of death, including mandatory measures such as embalming and a zinc coffin, or cremation/burial at the location if the next of kin prefer, capped at what a home transport would have cost.
Section: 7.4.1 Hvilke udgifter dækker årsrejseforsikringen
b) udgifter til enten hjemtransport til bedemand/krematorium i Danmark ved dødsfald inkl. udgifter til lovbefalede foranstaltninger f.eks. balsamering og zinkkiste eller c) udgifter til kremering og/eller begravelse på stedet, hvis de pårørende ønsker dette
Search and rescue
DKK 100K
Covers necessary expenses up to 100,000 DKK per insured for search and/or rescue; regardless of the number of policies/policyholders, the maximum aggregate payout for one event is capped at 300,000 DKK. Excludes search north of the 75th parallel or at the South Pole, and other listed exclusions.
Section: 7.14 Redning & Eftersøgning
Årsrejseforsikringen dækker nødvendige udgifter, op til maks. 100.000 kr., til eftersøgning og/eller redning. ... er den maksimale erstatning, der kan udbetales ved ét skadetilfælde, begrænset til ovennævnte 300.000 kr.
COVID-19 treatment
unlimited
Treatment for COVID-19 as an acute illness is covered under the unlimited Sygdom sum. Separately, necessary and reasonable food, accommodation and return-home costs during a COVID-19 quarantine are covered, conditional on vaccination and no prior evacuation recommendation.
Pre-existing conditions
Conditional
Unstable chronic or pre-existing conditions, or recent illness/injury, are as a starting point not covered; the insured must apply for a medical pre-assessment via SOS International to determine if and how the policy covers the condition during the trip.
Section: Er der nogen begrænsninger af dækningen?
Hvis du har en kronisk eller eksisterende sygdom, som ikke er stabil, eller hvis du har været syg eller er kommet til skade for nylig, er du som udgangspunkt ikke dækket for dette, da forsikringen tager forbehold for dette.
Winter sports cover
Optional
Optional add-on ("Skirejser") extends the policy's cover to injuries sustained while skiing/snowboarding, limited to activities on prepared (groomed) slopes only; off-piste activities are excluded.
Section: 8.1 Skirejser
Er denne tilvalgsdækning valgt, dækker forsikringen også skirejser jf. ovenstående betingelser – dog ikke off-pist aktiviteter, men alene aktiviteter på preparerede pister.
Adventure/sports activities cover
unlimited
The base policy covers participation in all forms of sports activities during holiday trips, except skiing/snowboarding (ski add-on required), expeditions, mountaineering, professional sport, and flying as pilot/crew, which are excluded.
Section: 3.3 Hvilke typer rejser er dækket
Forsikringen dækker ferierejser(uden nogen form for erhvervsmæssig aktivitet) og deltagelse i alle former for sportsaktiviteter*, dog ikke deltagelse i skisport (tilvalg), ekspeditioner, bjergbestigning og professionel sport* eller flyvning som pilot/anden flybesætning.
Pregnancy complications
unlimited
Covers pregnancy complications and birth up to 4 weeks before the expected due date; outside the EU, treatment of an unborn or prematurely born child is covered for up to 1 month. Pregnancy tests, elective abortion, sterilisation and fertility treatment are excluded.
Section: 7.2 Hvilke udgifter dækker årsrejseforsikringen i verden
e)graviditetskomplikationer, fødsel, behandling af et ufødt barn eller et barn, der er født for tidligt, indtil 4 uger før forventet fødselstidspunkt. Udgifterne til behandling af ufødt eller for tidligt født barn skal være omfattet af årsrejseforsikringens vilkår for sygdom, og årsrejseforsikringen dækker sådan behandling i op til 1 måned,
Personal liability
No limit stated
No personal liability coverage is described anywhere in the policy terms or IPID for this travel insurance product.
Legal assistance
Excluded
Explicitly excluded: expenses for legal assistance and other advisory services are not covered under the policy's general exclusions.
Section: 4.1 Forsikringen dækker ikke
a) Udgifter til advokatbistand og anden rådgivning
24/7 emergency assistance
Covered
ABC's service partner SOS International operates a 24-hour alarm centre 365 days a year, which the insured can always contact for advice or assistance before, during, or after the trip.
Section: 6.9 Anmeldelse af skade
ABCs servicepartner SOS har 24 timers alarmcentral 365 dage om året hvortil forsikrede altid kan rette henvendelse.
Key conditions
Assistance call deadline
Any situation that may give rise to a claim must be reported to ABC/SOS as soon as possible; SOS must always be contacted in case of hospitalization.
Unauthorized treatment
The policy does not cover treatment that has not been approved by SOS's doctor, or expenses arising from the insured not following the instructions of SOS's doctor.
Purchase while abroad
The annual travel insurance must be purchased and paid for before departure; it cannot be bought once the trip has begun.
Chronic conditions
Treatment of chronic or existing illnesses is excluded if the condition is unstable, if care/control visits have been missed within the last 2 months, or if there was a known treatment need or change in medication/hospitalisation within 2 months before departure.
Pregnancy
Pregnancy complications and birth are covered up to 4 weeks before the expected due date; outside the EU, treatment of an unborn or prematurely born child is covered for up to 1 month. Pregnancy tests, elective abortion, sterilisation and fertility investigations/treatment are excluded.
SourceClause 7.2Page 7Section: 7.2 Hvilke udgifter dækker årsrejseforsikringen i verden
e)graviditetskomplikationer, fødsel, behandling af et ufødt barn eller et barn, der er født for tidligt, indtil 4 uger før forventet fødselstidspunkt. Udgifterne til behandling af ufødt eller for tidligt født barn skal være omfattet af årsrejseforsikringens vilkår for sygdom, og årsrejseforsikringen dækker sådan behandling i op til 1 måned,
Pre-existing condition exclusions
Coverage for chronic/existing conditions that are not stable is excluded by default; the insured can apply for a medical pre-assessment (medicinsk forhåndstilsagn) via SOS to clarify whether and how the trip is covered.
Coverage duration limit
The annual policy is issued for one year at a time and covers trips of a maximum duration of 60 travel days; the trip period can, by agreement with ABC, be extended up to 24 months in total from the original departure date.
Direct payment
In case of hospitalization, SOS International's doctor can provide a guarantee or send payment directly to the hospital or treating physician; for outpatient treatment the insured pays and claims reimbursement afterwards.
Territorial scope
Annual travel insurance is issued with coverage worldwide. Travel within Denmark is not covered by the insurance.
Documents
Policy specifics
Flight cancellation
Optional add-on coverage for trip cancellation that can be selected in addition to base travel insurance
SourceSki coverage
Optional sports and ski-specific coverage that can be added to the base travel insurance policy
SourceCOVID-19 quarantine expenses
Coverage for necessary and reasonable expenses for food, accommodation, and return home if insured tests positive for COVID-19 during travel and is required to quarantine
SourceBaggage delay
The T&C provides a specific benefit only for baggage delay of more than 5 hours: reasonable, necessary and documented replacement purchase/rental costs at 500 DKK per day per person, max 2,000 DKK. There is no separate sum insured in the T&C for lost, stolen or damaged baggage itself.
SourceClause 7.10Page 9Section: 7.10 Bagageforsinkelse
Årsrejseforsikringen dækker rimelige, nødvendige og dokumenterede ekstraudgifter til erstatningskøb eller erstatningsleje svarende til det savnede, i tilfælde af, at forsikredes indskrevne bagage er forsinket mere end 5 timer ... Erstatning ydes med 500 kr. pr. døgn pr. person, dog maks. 2.000 kr.
Evacuation (war/natural disaster/epidemic)
Covers reasonable and necessary transport, hotel, food, clothing and local transport costs up to 75,000 DKK for evacuation to the nearest safe destination or to Denmark, if the Ministry of Foreign Affairs, local authorities or the State Serum Institute recommend evacuation due to war, terrorism, natural disaster or life-threatening epidemic.
SourceClause 7.12Page 9Section: 7.12 Evakuering
Årsrejseforsikringen dækker rimelige og nødvendige udgifter til transport, hotelophold, fortæring, tøj og lokal transport med op til 75.000 kr. i forbindelse med evakuering til nærmeste sikre destination eller til Danmark
Recall home
Covers reasonable and necessary extra transport costs up to 25,000 DKK for the insured and one travel companion if recalled home due to serious illness/injury or death in the immediate family, or major damage to the insured's home in Denmark.
SourceClause 7.7Page 9Section: 7.7 Hjemkaldelse
Årsrejseforsikringen dækker rimelige og nødvendige ekstra transportudgifter, med op til 25.000 kr., for forsikrede og én rejseledsager*, i tilfælde af at forsikrede: a) Hjemkaldes til Danmark som følge af alvorlig sygdom/tilskadekomst
Detention
If the insured is detained by authorities in a country due to war or risk of war, the policy covers necessary extra expenses for accommodation and domestic transport for up to 3 months, max 50,000 DKK, with meals covered up to 500 DKK per day within that sum.
SourceClause 7.13Page 10Section: 7.13 Tilbageholdelse
Bliver forsikrede tilbageholdt af myndighederne i et land som følge af krig eller risiko for krig, dækker årsrejseforsikringen i op til 3 måneder, nødvendige ekstraudgifter, dog maks. 50.000 kr., til ophold og indenrigstransport.
Delayed return journey
Covers reasonable and necessary extra hotel and meal expenses of up to 1,000 DKK per commenced 24-hour delay period, max 5,000 DKK, if the return journey to Denmark is delayed more than 5 hours due to weather or mechanical failure. Delays to/from the Faroe Islands or Greenland are excluded.
SourceClause 7.9Page 9Section: 7.9 Forsinket hjemrejse
Årsrejseforsikringen dækker rimelige og nødvendige ekstraudgifter til hotelophold og fortæring med op til 1000 kr. pr. påbegyndt døgn forsinkelsen varer - dog maksimalt 5.000 kr. Forsinkelse ved flyvning til og fra Færøerne eller Grønland samt inden for Grønland erstattes ikke.
EU package travel cover
Covers losses before departure (up to 25,000 DKK/person), during the trip (up to 25,000 DKK/person) and after the trip (up to 10,000 DKK/person) due to unforeseen deficiencies in a self-arranged trip, subject to a 1,000 DKK deductible per person per claim.
SourceClause 7.16Page 10Section: 7.16 Før afrejse – Tab
Der gælder en selvrisiko på 1.000 kr. pr. person af enhver skade under denne dækning.
Holiday compensation
Covers the price of the trip for holiday days that cannot be used due to hospitalisation, recall home, home transport, death, or acute illness/injury preventing the trip's main purpose; total compensation cannot exceed 100,000 DKK and only applies to trips up to 1 month.
SourceClause 7.19Page 11Section: 7.19 Feriekompensation
Dækningen gælder alene for rejser af op til 1 måneds varighed og dækker udelukkende i forsikringsperioden. ... Den samlede erstatning kan ikke overstige 100.000 kr.
Physiotherapy/chiropractor sub-limit
Within the unlimited Sygdom sum, doctor-prescribed physiotherapy or chiropractic treatment is capped at 15,000 DKK.
SourceClause 7.1Page 7Section: 7.1 Hvilke udgifter dækker årsrejseforsikringen i EU
c) egen betaling for lægeordineret behandling hos registreret fysioterapeut eller kiropraktor med maks. 15.000 kr,
Emergency assistance provider
Travel assistance is provided 24/7 through SOS International, the designated service partner for medical and travel emergencies
SourceEU health insurance card requirement
For travel within EU/EEA countries, the insured must present the blue EU health insurance card (blåt EU-sygesikringskort) to receive benefits
SourceClause 7.1Page 7Section: 7.1 Hvilke udgifter dækker årsrejseforsikringen i EU
Ved rejser i EU/EØS lande skal du fremvise det blå EU-sygesikringskort på behandlingsstedet.
Annual worldwide coverage
Product offers annual travel insurance with worldwide coverage for all holidays throughout the year up to 60 consecutive days per trip
SourceClause 3.4Page 5Section: 3.4 Hvornår dækker forsikringen
Årsrejseforsikring tegnes for et år ad gangen og dækker rejser med en maksimal varighed på 60 rejsedage.
Sources
- abcforsikring.dkhttps://abcforsikring.dk/api/media/file/ABC-faktaark-Rejse.pdf#page=1(opens in a new tab)
- abcforsikring.dkhttps://abcforsikring.dk/api/media/file/ABCvilkaar-Rejse-2021-1-EIR.pdf#page=10(opens in a new tab)
- abcforsikring.dkhttps://abcforsikring.dk/api/media/file/ABCvilkaar-Rejse-2021-1-EIR.pdf#page=11(opens in a new tab)
- abcforsikring.dkhttps://abcforsikring.dk/api/media/file/ABCvilkaar-Rejse-2021-1-EIR.pdf#page=2(opens in a new tab)
- abcforsikring.dkhttps://abcforsikring.dk/api/media/file/ABCvilkaar-Rejse-2021-1-EIR.pdf#page=4(opens in a new tab)
- abcforsikring.dkhttps://abcforsikring.dk/api/media/file/ABCvilkaar-Rejse-2021-1-EIR.pdf#page=5(opens in a new tab)
- abcforsikring.dkhttps://abcforsikring.dk/api/media/file/ABCvilkaar-Rejse-2021-1-EIR.pdf#page=6(opens in a new tab)
- abcforsikring.dkhttps://abcforsikring.dk/api/media/file/ABCvilkaar-Rejse-2021-1-EIR.pdf#page=7(opens in a new tab)
- abcforsikring.dkhttps://abcforsikring.dk/api/media/file/ABCvilkaar-Rejse-2021-1-EIR.pdf#page=8(opens in a new tab)
- abcforsikring.dkhttps://abcforsikring.dk/api/media/file/ABCvilkaar-Rejse-2021-1-EIR.pdf#page=9(opens in a new tab)
- abcforsikring.dkhttps://abcforsikring.dk/fakta-og-vilkar/(opens in a new tab)
- abcforsikring.dkhttps://abcforsikring.dk/rejseforsikring(opens in a new tab)
ABCforsikring Travel insurance