Extracted from source documents

Bauta Forsikring Travel insurance (Rejseforsikring)

Underwritten by LB Forsikring A/S · Denmark

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

Verified Sep 1, 2026 · Terms dated 2025-10-08Sources

Online purchase24/7 helpline

Unique selling points

Marketed as 'Bedst i Test 2026' (Best in Test 2026) for its travel insurance.

Free access to an online doctor service (Online lægehjælp) for policyholders with travel, health or accident insurance.

Round-the-clock alarm center support, with help available whenever needed during the trip.

Members get 10-30% discount on selected travel vaccines and a reduced 99 kr. base consultation fee (vs. normal 175 kr.) at Danske Lægers Vaccinations Service.

Extended travel insurance can be added to prolong cover up to 1 year, with a one-off payment and short-notice cancellation if you return home early.

Coverage limits

Covered

Illness and injury - medical expenses

Covered

Covers reasonable and necessary costs for examination and treatment of illness or injury arising acutely during the trip, and for acute worsening of an existing condition if it was stable for 2 months before departure or a medical pre-assessment without clause was obtained. No overall monetary ceiling is stated for this base cover.

Clause Afsnit 3Page 6

Section: 3. Sygdom og tilskadekomst

Til behandling og undersøgelse af sygdom eller tilskadekomst, der opstår akut under rejsen.

Covered

Emergency medical treatment

Covered

Reasonable and necessary costs for examination and treatment of illness or injury that occurs acutely during the trip are always covered under section 3 of the terms.

Clause Afsnit 3Page 6

Section: 3. Sygdom og tilskadekomst

Forsikringen dækker rimelige og nødvendige udgifter: Til behandling og undersøgelse af sygdom eller tilskadekomst, der opstår akut under rejsen.

Covered

Hospitalization

Covered

Hospital admission for a covered acute illness or injury is covered as part of section 3, and hospitalization for at least half of the planned trip period also triggers replacement-trip and ruined-vacation-day benefits.

Clause Afsnit 10Page 13

Section: 10. Ødelagte feriedage

Du er indlagt på hospital.

Covered

Outpatient treatment

Covered

Ambulatory examination and treatment of acute illness or injury is covered, including doctor-prescribed treatment by an authorized physiotherapist, chiropractor, acupuncturist or zone therapist, limited to 10,000 kr. per person.

Clause Afsnit 3Page 6

Section: 3. Sygdom og tilskadekomst

Til lægeordineret behandling hos autoriseret fysioterapeut, kiropraktor, akupunktør eller zoneterapeut. Disse behandlinger er dækket med højst 10.000 kr. pr. person.

Covered

Emergency dental treatment

DKK 10K

Acute pain-relieving dental treatment by an authorized dentist to limit the extent of an injury is covered up to 10,000 kr. per person; chewing/bite damage is limited to 1,000 kr. per person.

Clause Afsnit 3Page 6

Section: 3. Sygdom og tilskadekomst

Til akut smertestillende tandbehandling hos autoriseret tandlæge for at mindske skadens omfang. Er dækket med højst 10.000 kr. pr. person. Tyggeskader er dog dækket med højst 1.000 kr. pr. person.

Covered

Sick transport / ambulance transport

Covered

Covers ambulance transport to and from the nearest suitable treatment location; if ambulance transport is not medically justified, taxi transport to and from the treatment location is covered instead.

Clause Afsnit 6Page 9

Section: 6. Syge- og hjemtransport

Ambulancetransport til og fra nærmeste egnede behandlingssted. Er ambulancetransport ikke lægeligt begrundet, dækkes taxatransport til og fra behandlingsstedet.

Covered

Medical repatriation / transfer to another treatment facility

Covered

Covers repatriation to Denmark or transfer to another suitable treatment facility when the insurer's doctor has decided on the transport and the treating doctor has approved it. No fixed monetary ceiling is stated.

Clause Afsnit 6Page 9

Section: 6. Syge- og hjemtransport

Hjemtransport til Danmark eller overførsel til andet egnet behandlingssted, når vores læge har besluttet transporten, og den behandlende læge har godkendt denne.

Covered

Repatriation of remains

Covered

Covers repatriation of the deceased to Denmark, including statutory measures such as embalming and a zinc coffin. If relatives choose burial or cremation at the location instead, reimbursement is capped at what repatriation would have cost.

Clause Afsnit 6Page 9

Section: 6. Syge- og hjemtransport

Hjemtransport af afdød inkl. udgifter til lovbefalede foranstaltninger som fx balsamering og zinkkiste. Ønsker de pårørende begravelse eller kremering på stedet, erstatter vi højst det beløb, en hjemtransport ville have kostet.

Covered

Search and rescue

DKK 100K

Covers reasonable and necessary costs to search for and rescue you within a 50 km radius of where you were last seen, if reported to the local police and coordinated via the insurer's alarm center. Covered up to 100,000 kr. per person per trip.

Clause Afsnit 14Page 18

Section: 14. Redning og eftersøgning

Redning og eftersøgning erstattes med højst 100.000 kr. pr. person pr. rejse.

COVID-19 treatment

No limit stated

COVID-19 is not defined as a separate benefit; if you fall acutely ill with COVID-19 during the trip, it is covered on the same terms as any other acute illness under the general sickness and injury cover (section 3).

Clause Afsnit 3Page 6

Section: 3. Sygdom og tilskadekomst

Til behandling og undersøgelse af sygdom eller tilskadekomst, der opstår akut under rejsen.

Conditional

Pre-existing / chronic conditions

Conditional

Acute worsening of an existing or chronic illness is covered only if the condition has been stable for the 2 months before departure, or a medical pre-assessment without exclusion clause was obtained beforehand.

Clause Afsnit 3Page 6

Section: 3. Sygdom og tilskadekomst

Til behandling og undersøgelse ved akut forværring af eksisterende sygdom eller tilskadekomst. Det er en forudsætning, at din tilstand har været i en stabil god fase inden for de sidste 2 måneder inden afrejse, eller at du har fået en medicinsk forhåndsvurdering uden klausul.

Optional · Skisport

Ski sports cover

Optional

Injury sustained while skiing or snowboarding is only covered if the optional Skisport add-on has been purchased; it follows the geographic scope (Europe or World) chosen for the base policy. For policies effective before 8 October 2025, ski sports cover and worldwide scope were included automatically.

Page 2

Section: 1. Vigtig viden > E. Om skisport

For at være dækket når du står på ski eller snowboard, skal du købe tilvalgsdækningen Skisport. Tilvalgsdækningen følger dækningsområdet på din rejseforsikring.

Adventure sports cover

No limit stated

Active holiday activities such as hiking, cycling and diving are covered under the standard policy; only skiing and snowboarding require the optional Skisport add-on.

Section: Aktiv ferie

Er du til vandring, cykelferie eller dykkerture? Rejseforsikringen dækker også på din aktive ferie. Husk dog at tilvælge dækningen Skisport, hvis du står på ski eller snowboard.

Conditional

Pregnancy-related treatment

Conditional

Treatment related to childbirth is covered up to 4 weeks before the expected due date. The optional cancellation cover separately covers cancellation if, after booking, you learn you are pregnant and the due date falls within the trip period or less than 4 weeks after the return date.

Clause Afsnit 25Page 30

Section: 25. Afbestilling > 1. Hvad dækker forsikringen?

Hvis du efter bestilling af rejsen bliver bekendt med, at du er gravid, og terminen ligger i rejseperioden, eller hvis der på hjemrejsedatoen er under 4 uger til termin.

Optional · Ansvar, retshjælp og bagage

Personal liability

DKK 10M

Part of the optional 'Ansvar, retshjælp og bagage' add-on (only relevant if you lack separate home-contents insurance): covers personal liability for damage to persons up to 10,000,000 kr. per claim and to property/animals up to 5,000,000 kr. per claim, with a 1,500 kr. deductible per claim. Separately, liability for damage to inventory/building parts of a rented holiday home is always included in the base policy up to 3,000,000 kr. per claim.

Clause Afsnit 26Page 33

Section: 26. Ansvar > 4. Erstatning

Vi dækker ansvar for skade på: Person med højst 10 mio. kr. pr. skade. Ting og dyr med højst 5 mio. kr. pr. skade. Der er en selvrisiko på 1.500 kr. pr. skade.

Optional · Ansvar, retshjælp og bagage

Legal assistance

DKK 150K

Part of the optional 'Ansvar, retshjælp og bagage' add-on: covers legal costs for civil disputes arising from the trip abroad, with representation typically requiring a lawyer. Covered up to 150,000 kr., with a deductible of 10% of the claim, minimum 2,500 kr.

Clause Afsnit 27Page 34

Section: 27. Retshjælp > 4. Erstatning

Forsikringen dækker med højst 150.000 kr. Der er en selvrisiko på 10 %, dog mindst 2.500 kr. pr. tvist.

Covered

24/7 emergency assistance

Covered

Policyholders and family have round-the-clock access to the insurer's emergency alarm center for acute assistance while travelling (+45 70 15 55 00), including access to an online Danish-language doctor service.

Section: Få hjælp 24/7

Har du behov for akut hjælp, kan du kontakte vores alarmcentral døgnet rundt, uanset hvor i verden, du befinder dig.

Key conditions

Assistance call deadline

You must contact the 24-hour alarm center as soon as possible in an emergency; prior agreement with the insurer or its alarm center is required for sick/repatriation transport, escort (sygeledsagelse), call-out (tilkaldelse) and evacuation costs to be covered.

Unauthorized treatment

Costs for sickness/repatriation transport, medical escort or call-out that are not agreed with the insurer or its alarm center in advance are not covered.

Purchase while abroad

Coverage starts when you leave your home address in Denmark and ends when you return to your home address in Denmark; the policy is tied to being registered at a Danish civil registration (folkeregister) address, so it is designed to be bought before departure rather than while already travelling.

Chronic conditions

For acute worsening of a chronic or existing illness to be covered, your condition must have been stable for the last 2 months before departure, or you must have obtained a medical pre-assessment without an exclusion clause.

Pregnancy

Treatment related to childbirth is covered up to 4 weeks before the expected due date. With the optional cancellation cover, you can cancel if, after booking, you learn you are pregnant and the due date falls within the trip period or less than 4 weeks after the return date.

SourceClause Afsnit 25Page 30

Section: 25. Afbestilling > 1. Hvad dækker forsikringen?

Hvis du efter bestilling af rejsen bliver bekendt med, at du er gravid, og terminen ligger i rejseperioden, eller hvis der på hjemrejsedatoen er under 4 uger til termin.

Pre-existing condition exclusions

A medical pre-assessment may be required if you have a chronic or existing illness, or have been ill or injured immediately before booking or up to departure, to clarify whether your condition is covered.

Coverage duration limit

The standard annual policy covers each trip for the first 60 days; for longer trips, an extended travel insurance (Forlænget rejseforsikring) can be purchased to extend the coverage period up to 1 year, though it excludes replacement-trip and ruined-vacation-day benefits.

Direct payment

In emergencies you can have a covered claim settled during the trip, with the payout amount depending on your immediate need for financial help; final claims handling takes place after you return home.

Territorial scope

Extended Europe comprises: Albania, Andorra, Armenia, Azerbaijan, the Azores, Belgium, Bosnia-Herzegovina, Bulgaria, Cyprus, Denmark, the Canary Islands, Estonia, Finland, France, the Faroe Islands, Georgia, Gibraltar, Greece, Greenland, Netherlands, Belarus, Ireland, Iceland, Isle of Man, Italy, the Channel Islands, Kazakhstan, Kosovo, Croatia, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Moldova, Monaco, Montenegro, North Macedonia, Norway, Poland, Portugal, Romania, Russia, San Marino, Switzerland, Serbia, Slovakia, Slovenia, Spain, United Kingdom (England, Scotland, Wales, Northern Ireland), Sweden, Czech Republic, Turkey, Germany, Ukraine, Hungary, Vatican City and Austria. Overseas islands are not part of Extended Europe. Coverage can be extended to worldwide with the World option.

Documents

Travel Insurance Terms No. 25-1 (October 2025) (opens in a new tab)

Terms & conditions · PDF

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

Product information sheet · PDF

Travel insurance product page (opens in a new tab)

Other document · PDF

Policy specifics

Medical pre-assessment requirement

Medical pre-assessment may be required if policyholder has pre-existing condition or has been ill/injured within 2 months before departure

Source

Section: Tilpas selv din rejseforsikring > Standarddækninger

Du kan have brug for en medicinsk forhåndsvurdering , hvis du har en bestående sygdom, eller hvis du inden for de sidste 2 måneder før afrejse har været syg eller er kommet til skade.

Limited dental treatment coverage

Covers treatment and examination for acute illness and injury, but with limited coverage for tooth damage and treatment with physiotherapist, chiropractor, acupuncturist and zone therapist

Source

Section: Tilpas selv din rejseforsikring > Standarddækninger

Dækker rimelige og nødvendige udgifter til behandling og undersøgelse ved akut sygdom og tilskadekomst. Der er begrænset dækning for tandskader og behandling hos fysioterapeut, kiropraktor, akupunktør og zoneterapeut.

Optional ski sports coverage

Covers damage occurring while skiing or snowboarding. Coverage area follows the selected region (Europe or World). Must be selected as add-on for coverage activation.

Source

Section: Tilpas selv din rejseforsikring > Tilvalg

Dækker skade, der sker, når du/I står på ski eller snowboard. Dækningen følger det område, du er forsikret i – enten Europa eller hele verden.

Optional trip cancellation insurance

Covers trip cancellation due to acute illness or injury. Covers non-refundable expenses such as transport, accommodation, and event tickets.

Source

Section: Tilpas selv din rejseforsikring > Tilvalg

Dækker bl.a., hvis en rejse må afbestilles pga. akut sygdom eller tilskadekomst. Vi dækker det, du ikke får tilbage fx transport og ophold, billetter til koncerter eller lignende.

Optional responsibility, legal aid and baggage coverage

Covers liability if policyholder causes damage to other persons or their belongings, and covers baggage damage. Only needed if policyholder does not have separate home contents insurance.

Source

Section: Tilpas selv din rejseforsikring > Tilvalg

Dette tilvalg er kun nødvendigt, hvis du ikke har en indboforsikring. Dækker hvis du fx er skyld i en skade på andre personer eller deres ting, eller hvis din bagage bliver beskadiget.

Maximum coverage duration per trip

Base annual policy covers up to 60 days per trip. Extended travel insurance (Forlænget rejseforsikring) available for longer trips.

Source

Section: Tilpas selv din rejseforsikring > Standarddækninger

Vores rejseforsikring dækker alle dine ferierejser i løbet af året – og i de første 60 dage af hver rejse. Skal du på en rejse, som varer over 60 dage, kan du ringe til os og få forlænget rejseperioden.

Evacuation and detainment (war/unrest/disaster)

Covers reasonable extra costs for evacuation or early return when local/Danish authorities recommend it due to war, war-like conditions, terrorism, uprising, civil unrest, natural disaster or epidemic, and covers involuntary detainment abroad. Covered up to 65,000 kr. per person, plus stay/subsistence up to 1,500 kr. per person per day for up to 3 months. This is distinct from medical evacuation.

SourceClause Afsnit 15Page 19

Section: 15. Evakuering og tilbageholdelse > 4. Erstatning

Forsikringen dækker med højst 65.000 kr. pr. person, der bliver evakueret eller tilbageholdt. Derudover dækker vi ophold og forplejning med højst 1.500 kr. pr. person pr. dag i op til 3 måneder.

Liability for rented holiday accommodation (always included)

Covers liability as a private individual for damage to fixtures/fittings or building parts of a rented holiday home, up to 3,000,000 kr. per claim. This is always included in the base policy, unlike the broader optional personal liability cover.

SourceClause Afsnit 23Page 27

Section: 23. Ansvar for skade på lejet feriebolig

Vi erstatter med højst 3 mio. kr. pr. skade.

Security deposit / bail guarantee abroad

The insurer will put up security in connection with private legal disputes over compensation claims arising on the trip, e.g. lawyer's costs, amounts required by local authorities, or payment to release the insured and belongings held by local authorities. Covered up to 150,000 kr. per event; always included in the base policy.

SourceClause Afsnit 24Page 28

Section: 24. Sikkerhedsstillelse

Sikkerhedsstillelsen er højst 150.000 kr. pr. forsikringsbegivenhed.

Geographic coverage selection

Policyholder must choose between Europe coverage or worldwide coverage at purchase. Ski sports coverage follows selected region.

Source

Section: Tilpas selv din rejseforsikring

Du vælger selv, om du vil være dækket i Europa eller hele verden - og kan tilpasse forsikringen, så den passer til dine rejser.

Coverage of household members and dependents

For policies from 8 October 2025: the persons named on the policy, i.e. you and family members at the same registered address, children registered with their other parent, moved-out children under 18, a spouse/partner in a care home, up to four housemates, live-in help/exchange students, and up to two extra travelling children under 18.

Source

Section: Find svar i FAQ > Hvem er dækket af rejseforsikringen?

Du og dine familiemedlemmer herunder plejebørn, som bor hos dig og har samme folkeregisteradresse som dig. Dine og/eller din partners børn, der har folkeregisteradresse hos sin anden forælder. Dine og/eller din partners udeboende børn under 18 år. Din ægtefælle/partner, der er flyttet på plejehjem eller i beskyttet bolig. Bofæller, hvis I højst er fire, der bor på adressen. Fastboende medhjælp i husholdningen og udvekslingsstudenter.

Self-deductible on rental car coverage

Covers deductible (selvrisiko) on rental car damage claims. Maximum covered amount: 25,000 DKK. For policies before October 8, 2025: initial deductible 2,500 DKK payable by insured. For policies from October 8, 2025 onward: full coverage.

SourceClause Afsnit 21Page 25

Section: 21. Selvrisiko - lejebil m.m.

Vi erstatter med højst 25.000 kr. pr. lejeaftale.

Coverage for hindered access to holiday accommodation

Covers reasonable and necessary extra expenses for alternative holiday accommodation rental when unable to access booked accommodation due to adverse weather conditions. Maximum: 15,000 DKK per week, 30,000 DKK per trip.

SourceClause Afsnit 16Page 20

Section: 16. Forhindret fremmøde

Der erstattes med højst 15.000 kr. pr. uge og højst 30.000 kr. pr. rejse.

Ruined vacation days and replacement trip coverage

Covers vacation days lost due to hospital admission or diagnosis requiring stay in holiday accommodation. Applies when policyholder or sole travel companion is hospitalized over 50% of trip duration, or transported home due to acute illness/injury in early trip stage. Includes all insured persons staying with affected person.

SourceClause Afsnit 10Page 13

Section: 10. Ødelagte feriedage

Du er indlagt på hospital.

24/7 emergency assistance service

Policyholder and family have 24-hour access to emergency alarm center for acute assistance while traveling. Includes access to online Danish-language doctor service.

Source

Section: Få hjælp 24/7

Har du behov for akut hjælp, kan du kontakte vores alarmcentral døgnet rundt, uanset hvor i verden, du befinder dig.

Exclusion: pure business travel

Policy excludes pure business travel, treatment trips, and guide/bartending education programs. Private holiday trips with minor business activity (max 1 day) are covered.

SourcePage 4

Section: 2. Hvem, hvornår, hvilke, hvor og hvad? > C. Hvilke rejser dækker forsikringen?

Forsikringen dækker ikke: Rene erhvervsrejser, behandlingsrejser og andre rejser, der ikke er nævnt ovenfor.

Sources

Bauta Forsikring Travel insurance

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