Codan Travel insurance (Aarsrejseforsikring)
Underwritten by Codan Forsikring · Denmark
travel insurance from Codan for the Denmark market, with online purchase and 24/7 assistance.
Last verified Sep 1, 2026Sources
Key facts
- Personal liability up to DKK 10,000,000
Unique selling points
Choose 30, 60 or 90 days of cover per trip on the annual policy.
Domestic travel in Denmark is always covered regardless of whether Europe or Worldwide cover is chosen.
24-hour emergency assistance is provided directly by SOS International on a dedicated hotline.
A single annual policy can cover the whole household, including partners, children, foster children and exchange students living with the policyholder.
Flexible optional add-ons (baggage/liability/legal assistance, ski and snowboard cover, cancellation cover) let customers tailor protection beyond the base policy.
Coverage limits
Medical expenses
Covered
Covers necessary and reasonable expenses for hospital treatment and stay (incl. operations and ambulance transport), doctor treatment, prescribed medicine, X-rays and aids, and up to five physiotherapy/chiropractic treatments abroad. No overall monetary ceiling is stated in the terms beyond the itemized sub-limits (e.g. dental treatment).
Section: Rejse > 1 Sygdom og hjemtransport > 1.2 Vi dækker
Forsikringen dækker nødvendige og rimelige udgifter til: - hospitalsbehandling og -ophold, inkl. operationer og ambulancetransport til nærmeste behandlingssted
Emergency medical treatment
Covered
Covers treatment and repatriation if you become acutely ill or injured during the trip, including acute worsening of a stable pre-existing condition, arranged via SOS International's 24-hour hotline.
Section: Rejse > 1 Sygdom og hjemtransport > 1.1 Akut sygdom* eller tilskadekomst
behandling og hjemtransport, hvis du bliver akut syg eller kommer til skade under rejsen.
Hospitalization
Covered
Covers hospital treatment and stay, including operations and ambulance transport to the nearest treatment site, with no separate cap stated beyond the general reasonable-and-necessary-cost standard.
Section: Rejse > 1 Sygdom og hjemtransport > 1.2 Vi dækker
hospitalsbehandling og -ophold, inkl. operationer og ambulancetransport til nærmeste behandlingssted
Outpatient treatment
Covered
Covers doctor treatment, prescribed medicine, X-rays and up to five physiotherapy or chiropractic treatments abroad per insured person.
Section: Rejse > 1 Sygdom og hjemtransport > 1.2 Vi dækker
lægebehandling, lægeordineret medicin, røntgenbilleder og øvrige hjælpemidler. - lægeordineret behandling af fysioterapeut eller kiropraktor med op til fem behandlinger i udlandet af hver sikret person.
Emergency dental treatment
DKK 20.9K
Covers acute pain-relieving dental treatment that cannot wait until return to Denmark, up to 20,942 DKK (2023 level) per insured person.
Section: Rejse > 1 Sygdom og hjemtransport > 1.2 Vi dækker
akut smertestillende tandbehandling, hvis behandlingen ikke kan vente, til du kommer hjem til Danmark. Dog højst 20.942 kr. (2023) for hver sikret person.
Medical transport
Covered
Covers doctor-ordered repatriation or transport to the nearest suitable treatment location, arranged via SOS International.
Section: Rejse > 1 Sygdom og hjemtransport > 1.2 Vi dækker
lægeordineret hjemtransport eller transport til nærmeste egnede behandlingssted.
Medical evacuation / repatriation
Covered
No limit stated
Covers doctor-ordered repatriation or transport to the nearest suitable treatment location if medically necessary. No monetary cap is stated in the terms for this benefit.
Section: Rejse > 1 Sygdom og hjemtransport > 1.2 Vi dækker
lægeordineret hjemtransport eller transport til nærmeste egnede behandlingssted.
Repatriation of remains
Covered
If the insured dies, the policy covers costs of repatriating the deceased and other expenses for legally required measures, with no monetary ceiling stated.
Section: Rejse > 1 Sygdom og hjemtransport > 1.2 Vi dækker
Hvis sikrede er afgået ved døden, dækker vi udgifter til hjemtransport af afdøde og andre udgifter til lovpligtige foranstaltninger.
Search and rescue
DKK 730.3K
Covers search and rescue within a 50 km radius of the last known location, and rescue once the location is established. Covered up to 116,183 DKK (2024) per person and up to 730,311 DKK (2024) per claim event. Excludes areas north of the Arctic Circle, the South Pole, and kidnapping/hijacking situations.
Section: Rejse > 14 Eftersøgning og redning
Vi dækker op til 116.183 kr. (2024) pr. person og 730.311 kr. (2024) pr. skadesbegivenhed.
COVID-19 treatment
No limit stated
The terms do not provide specific COVID-19/pandemic coverage figures. General terms exclude consequences of entering an area with an epidemic that requires treatment by a doctor.
Section: Fællesbestemmelser > 6 Generelle undtagelser
Indrejse i et land eller område, hvor der er epidemi, som kræver behandling hos en læge - hverken direkte eller indirekte følger.
Pre-existing conditions
Conditional
An existing illness or injury is only covered if it has been in a stable, good phase for at least two months before departure; otherwise a binding advance medical assessment (forhåndsvurdering) must be obtained from SOS International via sos.eu before travel.
Section: Fællesbestemmelser > 7 Eksisterende sygdom og tilskadekomst
Hvis du har en eksisterende sygdom eller tilskadekomst, skal den have været i en stabil, god fase i mindst to måneder inden afrejsen.
Winter sports (ski/snowboard) cover
Optional
Injuries sustained while skiing or snowboarding are only covered if the optional 'Skitillæg' (ski add-on, incl. snowboard) has been purchased and is noted on the policy.
Adventure/extreme sports cover
Excluded
The policy does not cover damage occurring in connection with participation or training in professional sport, mountaineering, expeditions or big-game hunting.
Section: Fællesbestemmelser > 6 Generelle undtagelser
Deltagelse eller træning i forbindelse med professionel sport*, bjergbestigning*, ekspeditioner* eller storvildtjagt*.
Pregnancy complications (medical treatment)
No limit stated
The reviewed terms do not set out a specific medical-treatment benefit for pregnancy complications; pregnancy is addressed only as a ground for trip cancellation cover, not as a distinct medical benefit.
Section: Afbestilling > 1 Afbestilling > 1.3 Andre årsager > Gravid
Vi dækker, hvis du efter din læges udsagn ikke må rejse, fordi du er gravid, og der er forhold i din graviditet, der gør det uforsvarligt at rejse, fx risiko for at du føder for tidligt.
Personal liability
DKK 10M
Optional add-on (Bagage, Ansvar og Retshjælp) covering legal liability for personal injury or property damage caused during the trip. Personal injury claims covered up to 10,000,000 DKK per claim; property/animal damage claims up to 2,000,000 DKK per claim. Only applies if not covered by another insurance.
Section: Bagage, Ansvar og Retshjælp > 2 Ansvar > 2.3 Sådan erstatter vi
Personskader erstattes med indtil 10 mio. kr. pr. skade. Tingskader og skader på dyr erstattes med indtil 2 mio. kr. pr. skade.
Legal assistance
DKK 225K
Optional add-on covering legal costs in certain private disputes arising during the trip, up to 225,000 DKK per case; small-claims cases are handled differently with attorney costs only covered for the main hearing.
Section: Bagage, Ansvar og Retshjælp > 3 Retshjælp
Kan din sag ikke behandles efter reglerne for småsager, skal du kontakte en advokat, som herefter sørger for anmeldelse af sagen til os. Vi dækker med op til 225.000 kr. pr. sag.
24/7 emergency assistance
Covered
SOS International provides a 24-hour emergency hotline (+45 33 55 23 25) for acute medical assistance, evacuation, crisis help and coordination of treatment and repatriation.
Section: Fællesbestemmelser > 9 Hvis du får en skade > 9.2 Anmeld skaden til Codan
Bliver du udsat for en alvorlig skade, der kræver øjeblikkelig og professionel vejledning, kan du få hjælp 24 timer i døgnet. Du skal blot ringe til SOS International på +45 33 55 23 25.
Evacuation (war, unrest, terrorism, epidemic, natural disaster)
DKK 116.2K
Covers evacuation costs beyond what local authorities or the Danish Ministry of Foreign Affairs normally provide, plus economy-class travel home if the return ticket cannot be used due to war, unrest, terrorism, epidemic or natural disaster. Covered up to 116,183 DKK (2024) for accommodation and transport per claim event, plus up to 21,616 DKK per person for baggage left behind during evacuation.
Section: Rejse > 15 Evakuering
Vi dækker med op til 116.183 kr. (2024) for ophold og transport pr. skadebegivenhed.
Key conditions
Assistance call deadline
You must always contact SOS International before beginning any treatment, transport, sygeledsagelse (companion travel), tilkaldelse (summoning of relatives), evacuation or crisis assistance on the trip.
Unauthorized treatment
If you pay for treatment, transport, or other assistance without a prior agreement with Codan or SOS International, you risk having to pay all costs yourself, unless SOS International later assesses that there was medical justification for it.
Purchase while abroad
Not specified in the reviewed terms and conditions; coverage generally requires the policy to be in force before you leave your permanent residence to start the trip.
Chronic conditions
Chronic or existing illnesses are only covered if they have been in a stable, good phase for at least two months before departure, or if you have obtained a binding advance medical assessment (forhåndsvurdering) from SOS International via sos.eu.
Pregnancy
Trip cancellation is covered if your doctor advises against travel due to pregnancy-related risks (e.g. risk of premature birth); no separate medical-treatment benefit for pregnancy complications is stated.
Pre-existing condition exclusions
A pre-existing illness or injury not in a stable phase for two months before booking/departure is excluded unless a prior medical assessment from SOS International approves cover for that condition.
Coverage duration limit
You can choose 30, 60 or 90 days of cover per trip; if a trip lasts longer than 90 days, only the first 90 days are covered under the annual policy.
Direct payment
Treatment and transport must be arranged in agreement with SOS International, who decides how and when treatment or repatriation should take place. If you pay for treatment or interrupt your holiday without a prior agreement with Codan or SOS International, you risk having to pay all costs yourself, unless SOS International later assesses that there was medical justification for the treatment, interruption, or repatriation.
Territorial scope
Under the Europe option, cover applies to a defined list of European countries (including e.g. Turkey, Russia up to the Ural, the Faroe Islands and Greenland); under the Worldwide option cover applies globally. Travel within Denmark requires at least one overnight stay to be covered.
Documents
Policy specifics
Trip cancellation insurance
Optional add-on coverage for trip cancellation due to illness or accident
SourceSki and snowboard coverage
Optional add-on for injuries sustained during skiing or snowboarding
SourceSource no longer reachableBaggage and liability coverage
Optional add-on for delayed baggage, baggage theft/damage, and legal liability
SourcePandemic-related coverage
Coverage for treatment, isolation, or home transport due to pandemic illness
SourcePermanent residency requirement
Condition that insured persons must be permanently resident in Denmark or Greenland
SourceClause 1.1Page 4Section: Fællesbestemmelser > 1 Hvem er dækket > 1.1 Årsrejse
Det er en betingelse for dækning, at sikrede er permanent bosiddende i Danmark eller Grønland.
Pre-existing illness exclusion
Policy does not cover treatment of chronic conditions or illnesses existing before departure from Denmark
SourceClause 1.3Page 8Section: Rejse > 1 Sygdom og hjemtransport > 1.3 Vi dækker ikke
til behandling af kroniske lidelser eller lidelser, der var til stede før afrejsen fra Danmark - se dog punkt 7 i Fællesbestemmelser.
High-risk destination exclusion
No coverage for travel to areas designated as high-risk by Danish Ministry of Foreign Affairs
SourceExtreme sports exclusion
Coverage does not include injuries from extreme sports or dangerous activities
SourceEmergency assistance provider
SOS International is the designated provider for emergency medical assistance and evacuation
SourceClause 1.4Page 8Section: Rejse > 1 Sygdom og hjemtransport > 1.4 Ved skade
Behandling og transport skal ske efter aftale med SOS International. Det er således SOS International, du skal kontakte, og som afgør, hvornår og hvordan behandling og hjemtransport skal finde sted.
Sources
- beregn.codan.dkhttps://beregn.codan.dk/codan/codan-media/documents/private/terms-and-conditions/codan-betingelser-for-rejseforsikring.pdf#page=13(opens in a new tab)
- beregn.codan.dkhttps://beregn.codan.dk/codan/codan-media/documents/private/terms-and-conditions/codan-betingelser-for-rejseforsikring.pdf#page=14(opens in a new tab)
- beregn.codan.dkhttps://beregn.codan.dk/codan/codan-media/documents/private/terms-and-conditions/codan-betingelser-for-rejseforsikring.pdf#page=18(opens in a new tab)
- beregn.codan.dkhttps://beregn.codan.dk/codan/codan-media/documents/private/terms-and-conditions/codan-betingelser-for-rejseforsikring.pdf#page=19(opens in a new tab)
- beregn.codan.dkhttps://beregn.codan.dk/codan/codan-media/documents/private/terms-and-conditions/codan-betingelser-for-rejseforsikring.pdf#page=22(opens in a new tab)
- beregn.codan.dkhttps://beregn.codan.dk/codan/codan-media/documents/private/terms-and-conditions/codan-betingelser-for-rejseforsikring.pdf#page=4(opens in a new tab)
- beregn.codan.dkhttps://beregn.codan.dk/codan/codan-media/documents/private/terms-and-conditions/codan-betingelser-for-rejseforsikring.pdf#page=5(opens in a new tab)
- beregn.codan.dkhttps://beregn.codan.dk/codan/codan-media/documents/private/terms-and-conditions/codan-betingelser-for-rejseforsikring.pdf#page=6(opens in a new tab)
- beregn.codan.dkhttps://beregn.codan.dk/codan/codan-media/documents/private/terms-and-conditions/codan-betingelser-for-rejseforsikring.pdf#page=8(opens in a new tab)
- codan.dkhttps://www.codan.dk/forsikringer/rejseforsikring/aarsrejseforsikring/(opens in a new tab)
- codan.dkhttps://www.codan.dk/forsikringer/rejseforsikring/afbestillingsforsikring/(opens in a new tab)
Codan Travel insurance