Alm. Brand Travel insurance (Rejseforsikring Basis)

Covers doctor visits, prescribed medicine, hospital treatment/operations and other acute medical expenses arising from acute illness or injury during the trip; no single overall sum is stated in the policy for this core cover, but hospital treatment is limited to standard hospital class (2-bed room) unless a private hospital is pre-approved by Alm. Brand/SOS.

Covers expenses for acute treatment by a locally practicing doctor and medicine prescribed by that doctor; the treating doctor must be authorized in the country of treatment.

Covers lawfully doctor-ordered hospital stay and treatment including operations at public and private hospitals, limited to costs equivalent to standard hospital class (2-bed room); full private-hospital cover requires prior approval from Alm. Brand/SOS; cover runs until the insured can be discharged or transported home.

Covers reasonable extra costs for doctor-ordered hotel stay (incl. nursing assistance, special diet) when treatment that would otherwise require hospitalization can instead be carried out on an outpatient basis, plus transport costs for outpatient treatment and check-ups.

Covers reasonable, necessary and documented costs of temporary pain-relieving dental treatment abroad, up to 30,000 DKK per insured person.

Covers reasonable costs for sickness and repatriation transport, incl. ambulance transport, in case of acute illness, serious injury or death, provided the treating doctor abroad and Alm. Brand/SOS agree that transfer to the home country or another suitable treatment location is required.

Covers reasonable costs for the insured's medical sickness and repatriation transport, incl. ambulance transport, in case of acute illness, serious injury or death, provided the treating doctor abroad and Alm. Brand/SOS agree that transfer to the home country or another suitable treatment location is required. No fixed maximum sum is stated for this benefit.

Covers repatriation in case of death, including legally required measures such as embalming and a zinc coffin, or cremation costs; if burial takes place locally at relatives' request, compensation is limited to the cost that repatriation would have had.

Covers reasonable, necessary and documented search-and-rescue costs within a 50 km radius of the insured's last known location, for up to 14 days, with a limit of 100,000 DKK per insured per trip and a combined maximum of 300,000 DKK per event; a deductible of 5,000 DKK applies to every claim under this cover.

The policy does not specify a dedicated COVID-19 benefit; any cover would depend on the general acute-illness provisions.

Chronic or pre-existing conditions present before departure are excluded unless the condition can be characterized as 'stable' (no hospitalization, non-control treatment, or change in treatment/medication within the 2 months before departure); a medical pre-assessment (available from 2 months before travel) determines whether the insured has full, partial or no cover for the condition on the trip.

Medical/accident cover applies to on-piste skiing/snowboarding as an ordinary sport; skiing/snowboarding outside a ski resort's marked/prepared area (off-piste) is explicitly excluded. A separate optional add-on, 'Ødelagt skiferie' (Ruined ski holiday), pays compensation or a replacement trip if injury prevents skiing during the holiday.

Optional add-on ('Farlig sport') that lifts the general exclusion for a defined list of activities including kitesurfing, skydiving, motor racing (incl. training), paragliding, hang gliding, gliding, scuba diving, cycle racing, triathlon, trekking/mountain climbing, bouldering up to 10 m, and ice hockey.

The policy does not specify a dedicated benefit for pregnancy complications.

Covers legal liability for damage to inventory or building parts of a rented vacation home that was in the insured's care, subject to a 1,500 DKK deductible per claim (the higher deductible applies if another applies to the policy). If the insured also holds Alm. Brand contents insurance (Indboforsikring), that policy separately covers liability abroad up to 3,000,000 DKK for property damage and 10,000,000 DKK for personal injury under its own terms.

Covers a security deposit/bail for payment of the insured's attorney costs and claims from local authorities arising from disputes during the trip, up to a maximum of 250,000 DKK.

SOS International A/S provides round-the-clock emergency assistance for acute serious illness, serious injury, hospitalization, or more than ambulant treatment, reachable at +45 38 48 91 81 / +45 70 10 50 50 or [email protected].

Covers evacuation costs when the Danish Ministry of Foreign Affairs or similar authority recommends evacuation due to epidemic, war/terror/civil unrest, or natural disaster arising after departure, plus costs of involuntary stay/detainment due to war risk (up to 3 months, 1,500 DKK/day). Combined compensation for evacuation and involuntary stay cannot exceed 140,000 DKK for all insured.