Aros Forsikring Travel insurance (Rejseforsikring)
Underwritten by Aros Forsikring GS · Denmark
travel insurance from Aros Forsikring for the Denmark market, with online purchase and 24/7 assistance.
Verified Sep 1, 2026 · Terms dated 2026-07Sources
Key facts
- Medical transport up to DKK 25,000,000
Unique selling points
Aros is a customer-owned insurer with no shareholders, so surplus is returned to customers as better cover and service rather than profit.
Policyholders get access to Danish-speaking online doctor consultations around the clock if they fall ill or are injured on holiday.
24/7/365 emergency assistance is provided via SOS International's alarm centre in Copenhagen.
Standard 60-day trip cover can be flexibly extended up to 180 days, letting customers buy only the extra days they actually need.
Customers who bundle at least 3 insurance products with Aros receive a 10% discount and pay only one deductible per claim across combined policies.
Coverage limits
Medical expenses abroad
DKK 25M
Covers reasonable and necessary costs abroad for treatment by an authorised doctor and doctor-prescribed medicine, as part of a combined per-trip ceiling of DKK 25,000,000 shared across treatment and repatriation costs.
Section: Standarddækninger > 7.1 Sygdom/tilskadekomst, dødsfald og hjemtransport > 7.1.4 Erstatningssum
Erstatningen for behandling og hjemtransport kan maksimalt udgøre kr. 25.000.000 i alt pr. rejse.
Emergency medical treatment
DKK 25M
Covers treatment following acute illness or injury arising during the trip, within the same combined DKK 25,000,000 per-trip ceiling for treatment and transport.
Section: Standarddækninger > 7.1 Sygdom/tilskadekomst, dødsfald og hjemtransport > 7.1.4 Erstatningssum
Erstatningen for behandling og hjemtransport kan maksimalt udgøre kr. 25.000.000 i alt pr. rejse.
Hospitalisation
DKK 25M
Hospital stays following acute illness or injury are covered, including hotel/meals if ambulant treatment can substitute for admission, within the shared DKK 25,000,000 per-trip ceiling.
Section: Standarddækninger > 7.1 Sygdom/tilskadekomst, dødsfald og hjemtransport > 7.1.4 Erstatningssum
Erstatningen for behandling og hjemtransport kan maksimalt udgøre kr. 25.000.000 i alt pr. rejse.
Outpatient treatment
DKK 25M
Hotel and subsistence costs are covered when treatment that would otherwise require hospitalisation can instead be carried out on an outpatient basis, within the shared DKK 25,000,000 per-trip ceiling.
Section: Standarddækninger > 7.1 Sygdom/tilskadekomst, dødsfald og hjemtransport > 7.1.4 Erstatningssum
Erstatningen for behandling og hjemtransport kan maksimalt udgøre kr. 25.000.000 i alt pr. rejse.
Emergency dental treatment
DKK 30K
Covers reasonable and necessary acute pain-relieving dental treatment that cannot wait until return to Denmark, up to DKK 30,000 per person; specialist treatment (e.g. crown/root canal) requires prior SOS approval.
Section: Standarddækninger > 17.1 Tandbehandling/fysioterapi eller kiropraktik > 17.1.4 Erstatningssum
Smertestillende tandbehandling, maksimalt kr. 30.000 pr. person
Medical transport
DKK 25M
Covers ambulance transport from the place of illness/accident to the treatment site and onward transport to/from the nearest suitable facility, within the shared DKK 25,000,000 per-trip ceiling.
Section: Standarddækninger > 7.1 Sygdom/tilskadekomst, dødsfald og hjemtransport > 7.1.4 Erstatningssum
Erstatningen for behandling og hjemtransport kan maksimalt udgøre kr. 25.000.000 i alt pr. rejse.
Medical repatriation/evacuation to Denmark
DKK 25M
Covers transport to Denmark by ordinary means, ambulance or air ambulance in case of acute illness, injury or death; SOS International selects and arranges the mode of transport, within the shared DKK 25,000,000 per-trip ceiling.
Section: Standarddækninger > 7.1 Sygdom/tilskadekomst, dødsfald og hjemtransport > 7.1.4 Erstatningssum
Erstatningen for behandling og hjemtransport kan maksimalt udgøre kr. 25.000.000 i alt pr. rejse.
Repatriation of remains
DKK 25M
In case of death abroad, transport to Denmark is covered (mode chosen by SOS), within the shared DKK 25,000,000 per-trip ceiling; a death certificate must be sent to Aros immediately after return.
Section: Standarddækninger > 7.1 Sygdom/tilskadekomst, dødsfald og hjemtransport > 7.1.4 Erstatningssum
Erstatningen for behandling og hjemtransport kan maksimalt udgøre kr. 25.000.000 i alt pr. rejse.
Search and rescue
DKK 250K
Covers necessary costs of searching for the insured (up to 14 days within a 50 km radius of the last known location) and rescue/pick-up once located, up to DKK 250,000 per event; a 10% deductible (min. DKK 2,500) applies, and the person must have been reported missing for at least 24 hours and seen within the last 120 hours.
Section: Standarddækninger > 14.1 Eftersøgning og redning > 14.1.4 Erstatningssum
Maksimalt kr. 250.000 pr. begivenhed.
Pre-existing / chronic conditions
Conditional
Treatment of chronic or pre-existing illnesses that caused hospitalisation, medical assessment or changed medication within the 2 months before departure is excluded by default; cover depends on completing a medical pre-travel assessment (§6.1) confirming eligibility.
Section: Standarddækninger > 7.1 Sygdom/tilskadekomst, dødsfald og hjemtransport > 7.1.3 Undtagelser for sygdom/tilskadekomst, dødsfald og hjemtransport
Behandling af kroniske eller eksisterende sygdomme, der indenfor de sidste to måneder før afrejsen har medført hospitalsindlæggelse, vurdering/behandling hos læge eller ændret medicinering.
Ski holiday – ruined holiday-days replacement
Optional
An optional add-on covering compensation for ruined holiday-days (per the standard 'ruined holiday days' formula) if a started ski holiday of at least 5 days is disrupted in its first half due to hospitalisation, prescribed bed rest, recall home or accompanying a sick travel companion; simply being unable to ski is not sufficient.
Section: Tilvalgsforsikringer > 22.1 Skiferie – ødelagte feriedage > 22.1.2 Hvilke udgifter dækker forsikringen?
Det er således ikke nok for at opnå udbetaling på dækningen, at du ikke kan stå mere på ski på rejsen, men du skal være enten hospitalsindlagt eller sengeliggende, jf. pkt. 11.1, for at være berettiget til erstatning for ødelagte feriedage.
Adventure sports
Excluded
The policy explicitly excludes damage arising directly or indirectly from mountaineering, climbing, expeditions, parachute jumping and paragliding.
Section: Generelt for alle dækninger > 4.10 Generelle undtagelser
Bjergbestigning. Klippeklatring eller klatring uden brug af udstyr. Ekspeditioner. Faldskærmsudspring. Paraglidning.
Liability for damage to rented holiday accommodation
DKK 3M
This policy's only liability cover is for damage the insured causes, as a private individual, to inventory or building parts of a rented holiday home/hotel room/tent/mobile home/caravan in their care, up to DKK 3,000,000 per event; it is not a general personal (bodily injury/property damage to third parties) liability cover.
Section: Standarddækninger > 21.1 Ansvar for skade på lejet feriebolig > 21.1.4 Erstatningssum
Erstatningen udgør maksimalt kr. 3.000.000 i alt pr. skadebegivenhed.
Legal assistance / legal costs
No limit stated
No legal-costs cover was found. A separate 'Sikkerhedsstillelse' (bail-bond) cover of up to DKK 250,000 exists as an interest-free loan to release the insured/belongings from detention, but it explicitly excludes court/arbitration cases and criminal proceedings, so it is not legal-expenses cover.
Section: Standarddækninger > 20.1 Sikkerhedsstillelse > 20.1.3 Undtagelser for sikkerhedsstillelse
Rets- eller voldgiftssager, herunder sikkerhedsstillelse, der udgår fra kontrakts-, erhvervs- eller arbejdsforhold.
24/7 emergency assistance
Covered
SOS International's emergency centre in Copenhagen can be contacted 24 hours a day, 365 days a year at +45 3848 9460 for acute illness, injury or other travel emergencies; a Danish-speaking online doctor service is also available around the clock.
Section: Generelt for alle dækninger
Hvis du får brug for øjeblikkelig hjælp ved alvorlig sygdom, alvorlig tilskadekomst eller bagageskade med videre, kan du uanset tidspunkt og ugedag, altid kontakte alarmcentralen hos SOS International på:
Key conditions
Assistance call deadline
Claims must be reported immediately to Aros, and in cases of hospitalisation the further treatment, transfer or repatriation must be pre-approved by SOS International; unapproved transport may not be covered.
Unauthorized treatment
If the insured travels home on their own without SOS approval and SOS did not arrange the transport, the policy only reimburses up to the amount that SOS-arranged transport would have cost.
Chronic conditions
A chronic illness is defined as one that has lasted, or is expected to last, longer than six months and requires ongoing medical supervision or treatment; treatment of chronic illnesses that caused hospitalisation, medical assessment or changed medication within 2 months before departure is excluded unless a medical pre-travel assessment confirms cover.
Pre-existing condition exclusions
Coverage of pre-existing/chronic conditions depends on completing a medical pre-travel assessment (via www.sos.eu) within 2 months before paying for or departing on the trip if the condition has worsened; a positive assessment leads to full cover under the terms, a negative one may mean partial or no cover.
Coverage duration limit
Trips are covered for up to 60 days per journey by default (automatically extended up to 48 hours for delayed return, or longer if hospitalised); coverage can be extended as a separate policy up to a total of 180 days.
Direct payment
In case of hospitalisation abroad, Aros/SOS International arranges and approves further treatment, transfer and repatriation directly with the treating hospital; costs not pre-approved by SOS may be refused, and self-arranged travel home without SOS approval is reimbursed only up to what SOS-arranged transport would have cost.
Territorial scope
Europe coverage includes geographic Europe, the Faroe Islands, Greenland, the UK, Ireland, Malta, the Canary Islands, Azores and Madeira, the European and Asian parts of Turkey, both parts of Cyprus, Russia up to the Urals, Belarus, Ukraine and Kazakhstan, but excludes overseas islands, departments and colonies of European countries; Worldwide cover applies if selected on the policy.
Documents
Policy specifics
Cancellation insurance (Afbestillingsforsikring)
Optional add-on to Travel Insurance covering trip cancellation due to acute illness, serious injury, or death
SourceSection: Afbestillingsforsikring > Hvad indeholder afbestillingsforsikringen?
En afbestillingsforsikring er en tilvalgsforsikring til din rejseforsikring. Når du vælger at tilføje en afbestillingsforsikring til din rejseforsikring, er du dækket ind, hvis du fx er nødt til at ændre rejseplanerne grundet akut sygdom hos dig eller en af dine nærmeste.
Medical pre-travel assessment
Optional service allowing assessment of health status before travel, providing assurance about coverage for pre-existing conditions
SourceClause 6.1Page 9Section: Generelt for alle dækninger > 6.1 Medicinsk forhåndsvurdering
En medicinsk forhåndsvurdering giver dig mulighed for at få vurderet, om dit helbred er klar til en rejse. Vurderingen giver dig vished for, om du vil være dækket, hvis du har en eksisterende sygdom eller lidelse, hvor der kan være risiko for en forværring på rejsen.
Travel duration extension
Travel Insurance covers trips up to 60 days, but can be extended to up to 180 days
SourceSection: Spørgsmål og svar til rejseforsikring > Populære spørgsmål til rejseforsikring
Din rejseforsikring dækker som udgangspunkt i op til 60 dage. Du kan når som helst udvide din rejseforsikring, så den dækker hele verden i stedet for kun Europa eller op til 180 dage.
Geographic coverage options
Travel Insurance available for either Europe-only or worldwide coverage
SourceSection: Rejs sikkert med den rette rejseforsikring > Hvilken type rejseforsikring skal du vælge?
Hvad dækker Rejseforsikring Verden? Rejseforsikring Verden dækker dig i hele verden, og det er den, vi anbefaler dig at tegne, hvis du rejser til en destination, som ikke dækkes af vores Rejseforsikring Europa.
Ruined holiday compensation
Compensation for lost vacation days due to acute illness or injury, paid at the daily rate of the trip
SourceClause 11.1.2Page 15Section: Standarddækninger > 11.1 Erstatning for ødelagte feriedage > 11.1.2 Hvad dækker forsikringen?
Forsikringen yder kompensation for de ødelagte feriedage med rejsens pris pr. dag.
Emergency repatriation to Denmark
Coverage for transportation to Denmark (standard transport, ambulance, or air ambulance) if medical assessment determines the insured must return home
SourceSection: Rejs sikkert med den rette rejseforsikring > Hvad dækker din rejseforsikring?
Bliver du akut alvorligt syg, eller kommer du til skade i en grad, hvor det vurderes, at du skal hjem til Danmark, dækker din rejseforsikring transport til Danmark med almindeligt transportmiddel, ambulance eller ambulancefly.
Family member recall (Hjemkaldelse)
Coverage for travel home of family members if the insured becomes critically ill or injured abroad and requires hospitalization for minimum 5 days
SourceSection: Rejs sikkert med den rette rejseforsikring > Hvad dækker din rejseforsikring?
Vi dækker hjemkaldelse grundet akut alvorlig sygdom eller tilskadekomst af nære pårørende hjemme i Danmark, hvis den behandlende læge vurderer, at den syge eller tilskadekomne skal være indlagt på hospitalet i minimum fem dage.
Security/bail deposit (Sikkerhedsstillelse)
An interest-free loan of up to DKK 250,000 to release the insured or their belongings from detention by local authorities; must be repaid to Aros on release or within 1 month of return, and does not cover fines, court/arbitration cases from contract or work relations, or criminal proceedings.
SourceClause 20.1.2Page 25Section: Standarddækninger > 20.1 Sikkerhedsstillelse > 20.1.2 Hvilke udgifter dækker forsikringen?
Sikkerhedsstillelsen ydes som et rentefrit lån, der skal tilbagebetales til os ved frigivelse af sikkerhedsstillelsen eller snarest efter hjemkomsten til Danmark, dog senest inden 1 måned efter, at sikkerhedsstillelsen er foretaget.
Chronic illness condition
A chronic illness is defined as a condition lasting longer than 6 months or expected to last longer than 6 months, requiring ongoing medical supervision or treatment
SourceClause 6.1Page 9Section: Generelt for alle dækninger > 6.1 Medicinsk forhåndsvurdering
En kronisk sygdom er en sygdom, der har bestået længere end et halvt år, eller må forventes at bestå længere end et halvt år, og som kræver løbende medicinsk kontrol eller behandling samt begrænser mulig- heder for aktivitet.
Acute onset requirement
Coverage requires conditions to be acute in nature; persons requiring medical consultation or undergoing diagnostic procedures after returning home are considered sick
SourceClause 6.1Page 9Section: Generelt for alle dækninger > 6.1 Medicinsk forhåndsvurdering
Du betragtes også som syg, selvom du ikke har haft kontakt til læge eller behandler, men skal til yderligere undersøgelse, behandling eller påbegynde medicinering.
Household coverage structure
Insurance covers the policyholder and household members, including spouses/partners and children living at same registered address; home-residing adult children also covered
SourceClause 1.1Page 1Section: Generelt for alle dækninger > 1.1 Sikrede personer / Hvem omfatter forsikringen
Vi dækker det antal personer, der fremgår af forsikringspolicen. De dækkede personer kan være følgende: Dig som forsikringstager og din husstand.
Travel companion medical requirements
For compensation involving a travel companion, both the insured and travel companion must hold the same Travel Insurance policy from AROS
SourcePage 15Section: Standarddækninger > 11.1 Erstatning for ødelagte feriedage
* En rejseledsager er den person, du har købt din rejse med, og som du skal på ferie sammen med. Rejseledsageren skal også have sin rejseforsikring i Aros Forsikring GS.
Restricted travel areas exclusion
Travel Insurance does not cover travel to areas advised against by the Danish Ministry of Foreign Affairs, the State Serum Institute, or similar public authorities
SourceSection: Klar til sommerferien? Husk også at pakke dine forsikringer > Ferie i udlandet
Vær også opmærksom på, at rejseforsikringen ikke dækker rejser til områder, som Udenrigsministeriet, Statens Serum Institut eller lignende offentlige myndigheder fraråder private personer at rejse til.
Claims notification requirement
Claims must be reported immediately to AROS; policyholder must provide detailed account of event and substantiate claim with documentation
SourceClause 4.1Page 4Section: Generelt for alle dækninger > 4.1 Anmeldelse af skaden
Du skal straks anmelde en skade til os. Ved anmeldelse af en skade skal du beskrive hændelsesforløbet og sandsynliggøre og dokumentere dit erstatningskrav.
Double insurance offset clause
If same type of loss is covered by another insurance policy, AROS will not pay benefits already received from the other insurer; restrictions from other policies also apply
SourceClause 3.1Page 3Section: Generelt for alle dækninger > 3.1 Forsikring i andet selskab (dobbeltforsikring)
Har du tegnet en forsikring mod samme type skade i et andet forsikringsselskab, er der tale om dobbeltforsikring, og du skal anmelde skaden til begge selskaber.
Sources
- media.umbraco.iohttps://media.umbraco.io/aros-insurance/vpsfiyh4/p60-02-rejseforsikring-juli-2026.pdf#page=10(opens in a new tab)
- media.umbraco.iohttps://media.umbraco.io/aros-insurance/vpsfiyh4/p60-02-rejseforsikring-juli-2026.pdf#page=11(opens in a new tab)
- media.umbraco.iohttps://media.umbraco.io/aros-insurance/vpsfiyh4/p60-02-rejseforsikring-juli-2026.pdf#page=12(opens in a new tab)
- media.umbraco.iohttps://media.umbraco.io/aros-insurance/vpsfiyh4/p60-02-rejseforsikring-juli-2026.pdf#page=16(opens in a new tab)
- media.umbraco.iohttps://media.umbraco.io/aros-insurance/vpsfiyh4/p60-02-rejseforsikring-juli-2026.pdf#page=2(opens in a new tab)
- media.umbraco.iohttps://media.umbraco.io/aros-insurance/vpsfiyh4/p60-02-rejseforsikring-juli-2026.pdf#page=20(opens in a new tab)
- media.umbraco.iohttps://media.umbraco.io/aros-insurance/vpsfiyh4/p60-02-rejseforsikring-juli-2026.pdf#page=23(opens in a new tab)
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- media.umbraco.iohttps://media.umbraco.io/aros-insurance/vpsfiyh4/p60-02-rejseforsikring-juli-2026.pdf#page=27(opens in a new tab)
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- media.umbraco.iohttps://media.umbraco.io/aros-insurance/vpsfiyh4/p60-02-rejseforsikring-juli-2026.pdf#page=4(opens in a new tab)
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- aros-forsikring.dkhttps://www.aros-forsikring.dk/forebyg-skade/klar-til-sommerferien/(opens in a new tab)
- aros-forsikring.dkhttps://www.aros-forsikring.dk/forsikringer/rejseforsikring/(opens in a new tab)
- aros-forsikring.dkhttps://www.aros-forsikring.dk/forsikringer/rejseforsikring/afbestillingsforsikring/(opens in a new tab)
- aros-forsikring.dkhttps://www.aros-forsikring.dk/spoergsmaal-og-svar/spoergsmaal-og-svar-til-rejseforsikring/(opens in a new tab)
Aros Forsikring Travel insurance