Extracted from source documents

Alka Travel insurance (Aarsrejseforsikring)

Underwritten by Alka Forsikring (en del af Tryg Forsikring A/S) · Denmark

travel insurance from Alka for the Denmark market, with online purchase and 24/7 assistance.

Verified Sep 1, 2026 · Terms dated 2015-10Sources

Online purchase24/7 helpline

Unique selling points

Covers the whole household at the same address, year-round and worldwide, no matter how many trips are taken.

Ski and winter-sports holidays are covered under the standard policy with no extra premium.

24/7 emergency hotline (Alka rejseservice, run by Falck Global Assistance) can issue payment guarantees directly to hospitals abroad.

Optional cancellation cover reimburses up to 120,000 DKK per trip for covered persons combined.

Rental car collision-damage excess abroad is reimbursed up to 15,000 DKK per trip.

Coverage limits

Covered

Medical treatment abroad

Covered

Covers reasonable and necessary costs of medical treatment abroad following acute illness or injury during the trip; unlike several other sub-covers, the terms do not state a fixed maximum ceiling for this cover.

Clause 5.3Page 10

Section: 5. Sygebehandling i udlandet > 5.3 Forsikringen erstatter

Forsikringen erstatter rimelige og nødvendige udgifter i udlandet til:

Covered

Emergency medical treatment

Covered

Covers treatment by an authorized doctor/nurse abroad and doctor-prescribed medicine for acute illness or injury; no fixed ceiling is stated.

Clause 5.3.3Page 10

Section: 5. Sygebehandling i udlandet > 5.3 Forsikringen erstatter

Behandling hos autoriseret læge/sygeplejerske i det pågældende land samt udgifter til lægeordineret medicin.

Covered

Hospitalization abroad

Covered

Covers doctor-prescribed stays on a semi-private hospital ward or intensive care unit abroad (or hotel accommodation if that avoids hospitalization, subject to approval); no fixed ceiling is stated.

Clause 5.3.4Page 10

Section: 5. Sygebehandling i udlandet > 5.3 Forsikringen erstatter

Lægeordineret ophold på hospital, efter normale takster for semi-private (tosengsstue), intensivafdeling, hotel (inkl. fortæring), hvis du dermed undgår at blive indlagt på hospitalet.

Covered

Outpatient treatment

Covered

Covers ambulant treatment by an authorized doctor/nurse in the country visited plus prescribed medicine; no fixed ceiling is stated.

Clause 5.3.3Page 10

Section: 5. Sygebehandling i udlandet > 5.3 Forsikringen erstatter

Behandling hos autoriseret læge/sygeplejerske i det pågældende land samt udgifter til lægeordineret medicin.

Covered

Emergency dental/physiotherapy/chiropractor treatment abroad

DKK 10K

Covers acute pain-relieving dental treatment that cannot wait until returning home, plus physiotherapist or chiropractor treatment; combined compensation is capped at 10,000 DKK per person per trip.

Clause 10.1.3Page 15

Section: 10. Tandlæge, fysioterapeut eller kiropraktor i udlandet > 10.1 Forsikringen dækker

Den samlede erstatning pr. person kan højst udgøre 10.000 kr. pr. rejse.

Covered

Local medical transport

Covered

Covers ambulance or local transport from the scene of an accident/illness to the treatment location, and transport to/from the nearest suitable treatment facility as decided by Alka rejseservice's doctor; no fixed ceiling is stated.

Clause 5.3.1Page 10

Section: 5. Sygebehandling i udlandet > 5.3 Forsikringen erstatter

Ambulance- eller lokal transport fra ulykkes- eller sygdomsstedet til behandlingsstedet.

Covered

Medically necessary transport/evacuation home to Denmark

Covered

Covers transport home to Denmark by ordinary transport, ambulance or air ambulance if the planned route cannot be completed or is exceeded for medical reasons, following a covered acute illness/injury; no fixed ceiling is stated, but self-arranged transport without prior approval is reimbursed only up to what Alka would have paid.

Clause 6.1.1Page 12

Section: 6. Syge- og hjemtransport til Danmark > 6.1 Forsikringen dækker

Hvis du skal transporteres hjem til Danmark på grund af akut sygdom eller tilskadekomst, der er dækket efter punkt 5, Sygebehandling i udlandet, og den planlagte rejserute ikke kan gennemføres af medicinske årsager, eller det planmæssige rejseforløb er overskredet af lægelige årsager.

Covered

Repatriation of remains

Covered

Covers legally required measures (e.g. embalming, zinc coffin) and transport of the deceased to Denmark; if relatives prefer, cremation and burial at the location abroad is covered instead, but compensation cannot exceed the cost of repatriation.

Clause 6.3.2Page 12

Section: 6. Syge- og hjemtransport til Danmark > 6.3 Forsikringen erstatter

Dækningen omfatter lovbefalede foranstaltninger som f.eks. balsamering og zinkkiste. Hvis pårørende ønsker det, dækker forsikringen kremering og begravelse på stedet. Erstatningen kan højst udgøre et beløb, der svarer til, hvad en hjemtransport af afdøde ville koste.

Covered

Search and rescue

DKK 100K

Covers reasonable and necessary extra costs of searching for and rescuing the insured within a 50 km radius of the last known location, up to 100,000 DKK per covered person per trip, capped in aggregate at 500,000 DKK per event for all covered persons combined.

Clause 21.3.1Page 25

Section: 21. Redning og eftersøgning > 21.3 Forsikringen erstatter

Forsikringen dækker rimelige og nødvendige ekstraudgifter til redning og eftersøgning med højst 100.000 kr. pr. omfattet person pr. rejse, dog højst 500.000 kr. pr. begivenhed for de omfattede personer tilsammen.

COVID-19 treatment

No limit stated

The provided terms and factsheets do not specifically mention COVID-19 treatment as a distinct cover item.

Conditional

Pre-existing/chronic conditions

Conditional

Chronic or pre-existing conditions are excluded if they required hospitalization, treatment, new/changed medication, referral, or were untreated/unresolved within 2 months before departure; cover may be reinstated via a medical pre-assessment by Alka rejseservice before travel.

Clause 5.2.1Page 10

Section: 5. Sygebehandling i udlandet > 5.2 Forsikringen dækker ikke

Kroniske lidelser, eksisterende sygdomme eller tilskadekomst, som har medført, at du inden for de sidste 2 måneder inden afrejsen har været indlagt på hospital, har gennemgået en operation...

Covered

Winter sports (ski holidays)

Covered

Ski holidays are covered under the standard annual travel policy at no extra charge, as part of the general private leisure-trip cover.

Excluded

Adventure/extreme sports and expeditions

Excluded

Excludes damage arising from training or participation in professional sport (income over 50,000 DKK/year), expeditions to remote/restricted areas, and mountaineering/climbing.

Clause 33.1.7Page 32

Section: 33. Generelle undtagelser

Træning eller deltagelse i enhver form for professionel sport... ekspeditioner... bjergbestigning eller bjergklatring.

Pregnancy complications

No limit stated

Not addressed as a distinct cover item in the reviewed terms and factsheets.

Personal liability

No limit stated

Not a covered item under the Årsrejseforsikring sections reviewed; liability abroad is instead handled under the separate Indboforsikring's liability cover.

Covered

Security deposit for disputes/legal fees

DKK 100K

If local authorities demand security to cover potential claims against the insured, or security for payment of lawyer's fees during a dispute abroad, the policy provides an interest-free advance up to 100,000 DKK per dispute, which the policyholder must repay.

Clause 22.1.2Page 25

Section: 22. Sikkerhedsstillelse > 22.1 Forsikringen dækker

Der kan højst stilles sikkerhed for 100.000 kr. pr. tvist.

Covered

24/7 emergency assistance

Covered

Alka rejseservice, operated by Falck Global Assistance, is available around the clock to interpret with local doctors/hospitals, arrange payment guarantees, book hotels/flights home, and provide advance claim payments; calls to/from the service are covered by the policy.

Page 2

Section: Alka rejseservice

Vi samarbejder med Falck Global Assistance, under navnet Alka rejseservice, for at sikre dig en effektiv skadehjælp døgnet rundt.

Key conditions

Assistance call deadline

If hospitalized or examined at a hospital abroad, Alka rejseservice (+45 70 27 14 33) must be contacted as soon as possible and before signing any forms; all claims must in any case be reported no later than the return home to Denmark.

Unauthorized treatment

If you arrange your own repatriation without Alka rejseservice's prior acceptance, the cost is only reimbursed if a doctor at Alka rejseservice later deems it medically necessary, and reimbursement cannot exceed what Alka would have paid had it arranged the transport itself.

Purchase while abroad

The policy is an add-on to the Indboforsikring (contents insurance) and requires the covered persons to have a Danish civil registration (folkeregister) address; the sources do not describe a process for buying or activating cover while already travelling abroad.

Chronic conditions

Chronic conditions are excluded unless they have been stable for 2 months before departure; if there has been recent hospitalization, treatment, new medication or referral within that period, the traveller should request a medical pre-assessment from Alka rejseservice before departing.

Pregnancy

The reviewed terms and factsheets do not specifically address pregnancy or pregnancy-related complications.

Pre-existing condition exclusions

Pre-existing illnesses or injuries known before departure, or conditions under investigation/awaiting treatment, are excluded from the medical cover unless a medical pre-assessment from Alka rejseservice has confirmed cover for that specific trip.

Coverage duration limit

The policy covers trips of up to 60 days; if a covered claim causes the trip to extend beyond 60 days, cover is automatically prolonged for that trip.

Direct payment

Alka rejseservice (Falck Global Assistance) can issue payment guarantees directly to doctors and hospitals abroad on the policyholder's behalf.

Territorial scope

Covers trips abroad and, to a limited extent, holidays in rented accommodation in Denmark; general exclusions apply for war zones and areas under official evacuation advisories.

Documents

Terms and conditions for Annual Travel Insurance (RF-08) (opens in a new tab)

Terms & conditions · PDF

Insurance Product Information Document (IPID) - Annual Travel Insurance (opens in a new tab)

Product information sheet · PDF

Latest Insurance Product Information Document (IPID) - Annual Travel Insurance (opens in a new tab)

Product information sheet · PDF

Policy specifics

Trip cancellation

Covers trip cancellation if policyholder becomes ill and medical assessment determines travel is inadvisable

SourceClause 24.1.2Page 27

Section: 24. Afbestillingsforsikring > 24.1 Forsikringen dækker

Du bliver akut syg eller kommer til skade, og en læge vurderer, at det ikke er rimeligt at rejse, fordi det kan forværre din akutte sygdom eller tilskadekomst væsentligt...

Delayed baggage

Covers necessary purchases (toiletries, clothing) if checked baggage delayed more than 5 hours

Source

Rental car excess

Covers deductible when rental company charges excess for collision damage to rental vehicle

SourceClause 19.1.1Page 23

Section: 19. Selvrisiko ved leje af motorkøretøj > 19.1 Forsikringen dækker

Forsikringen dækker, når et udlejningsfirma opkræver selvrisiko i forbindelse med en kaskoskade på en lejet personbil, motorcykel eller knallert i udlandet.

Medical treatment abroad

Covers reasonable and necessary medical treatment expenses for acute illness or injury abroad without ceiling

Source

Home transport

Covers emergency transport home to Denmark due to acute illness or injury

Source

Companion summons and care

Covers costs for family member to travel to insured person due to serious illness/injury

SourceClause 7.1Page 13

Section: 7. Tilkaldelse og sygeledsagelse > 7.1 Forsikringen dækker

Når personer rejser fra Danmark ud til dig, eller når medrejsende ændrer deres forudbestilte rejserute for at blive hos dig eller ledsage dig, fordi du: Bliver indlagt på hospitalet på grund af en alvorlig akut sygdom.

Lost holiday days

Compensation for holiday days lost due to acute illness or injury during trip

SourceClause 12.1Page 17

Section: 12. Ødelagte rejsedage > 12.1 Forsikringen dækker

Hvis du ikke er berettiget til erstatningsrejse betaler forsikringen erstatning til dig og 1 medforsikret rejseledsager for ødelagte rejsedage.

Replacement travel

If hospitalized for more than half of booked trip, covers replacement trip

Source

Psychological crisis support

Covers psychological crisis assistance if assaulted abroad

SourceClause 18.1.1Page 22

Section: 18. Psykologisk krisehjælp > 18.1 Forsikringen dækker

Hvis du kommer i en akut psykisk krise på rejsen, efter du har været direkte impliceret i en af nedenstående hændelser: Røveri, Overfald eller trusler...

Government-advised or forced evacuation

Covers extra costs of returning home if the Danish Foreign Ministry, Statens Serum Institut or a similar authority calls for evacuation, or local authorities require evacuation due to natural disaster, wildfire, epidemic or terrorism; also covers loss of/damage to luggage left behind during evacuation.

SourceClause 23.1.1Page 25

Section: 23. Evakuering > 23.1 Forsikringen dækker

Hvis Det Danske Udenrigsministerium, Statens Seruminstitut eller lignende offentlig dansk myndighed opfordrer til evakuering.

Maximum trip duration

Trip duration limited to 60 days maximum per journey

Source

Worldwide coverage

Coverage applies globally; no separate European option available

Source

Business travel exclusion

Coverage void if trip paid by employer or own business

Source

Medical pre-assessment requirement

Pre-existing conditions or recent medical events require Alka medical pre-assessment for coverage confirmation

Source

Household coverage

Covers policyholder and all household members at same address

Source

Emergency service coordination

All claims and emergency assistance coordinated through Alka travel service (Falck Global Assistance)

SourceClause 27.1Page 30

Section: 27. Forhold i skadestilfælde

Du skal anmelde alle skader til Alka rejseservice, telefonnummer +45 70 27 14 33

Add-on to home contents insurance

The Årsrejseforsikring is sold as an add-on to the policyholder's Indboforsikring (home contents insurance) and is invoiced together with it; the general terms of the Indboforsikring apply unless otherwise stated in the travel terms.

SourceClause 2.2Page 5

Section: 2. Indledning og generelle oplysninger > 2.2 Sådan læser du forsikringsbetingelserne

Denne rejseforsikring er en tillægsdækning til din Indboforsikring, og du skal betale den sammen med din Indboforsikring.

Sources

Alka Travel insurance

Get a quote from Alka(opens in a new tab)Compare Travel insurance insurers in Denmark
Get a quote from Alka(opens in a new tab)