Pending review

Coop Forsikringer Travel insurance (Aarsrejseforsikring)

Underwritten by If Skadeförsäkring AB (publ), Sverige · Denmark

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

Verified Sep 1, 2026 · Terms dated 2025-07-01Sources

Online purchase24/7 helpline

Unique selling points

Marketed by Coop as one of the market's best annual travel insurance policies with round-the-clock acute assistance.

Danish-speaking emergency call centre is always ready if you become ill or injured abroad.

10% discount plus ongoing member bonus when buying the policy online as a Coop member.

Covers up to 25,000 kr. of rental-car/motorcycle/moped/camper excess if the rental company charges a deductible after a claim abroad.

One policy covers the entire household year-round, even when family members travel separately from each other.

Coverage limits

Covered

Medical expenses

Covered

No limit stated

Covers treatment if you become acutely ill or injured during the trip.

Source no longer reachablePage 12

Section: Dækninger > Sygdom og tilskadekomst > Lægebehandling og hospitalsophold

Ved akut sygdom og tilskadekomst på rejsen dækker vi: […] Lægebehandling hos autoriseret læge og lægeordineret medicin

Covered

Emergency medical treatment

Covered

No limit stated

Treatment if you become acutely ill or injured, with home transport if necessary.

Source no longer reachablePage 12

Section: Dækninger > Sygdom og tilskadekomst > Lægebehandling og hospitalsophold

Ved akut sygdom og tilskadekomst på rejsen dækker vi: […] Lægebehandling hos autoriseret læge og lægeordineret medicin […] Hjemtransport og sygetransport i forbindelse med akut sygdom og tilskadekomst, der er dækket af forsikringen:

Covered

Hospitalization

Covered

No limit stated

Hospital treatment is implicitly covered under the general acute illness/injury treatment benefit; no distinct sum insured could be located in the retrieved source text.

Source no longer reachable
Covered

Outpatient treatment

Covered

No limit stated

Outpatient treatment for acute illness or injury is covered as part of the general medical benefit.

Source no longer reachablePage 12

Section: Dækninger > Sygdom og tilskadekomst > Lægebehandling og hospitalsophold

Ved akut sygdom og tilskadekomst på rejsen dækker vi: […] Lægebehandling hos autoriseret læge og lægeordineret medicin […] Behandling hos fysioterapeut og kiropraktor

Covered

Emergency dental treatment

Covered

No limit stated

Acute treatment by a physiotherapist, chiropractor or dentist is covered.

Source no longer reachablePage 12

Section: Dækninger > Sygdom og tilskadekomst > Lægebehandling og hospitalsophold

Akut smertestillende tandbehandling hos autoriseret tandlæge […] Behandling hos fysioterapeut og kiropraktor

Covered

Medical transport

Covered

No limit stated

Expenses for medical treatment and transport home if you become ill or injured during the holiday.

Source no longer reachable

Section: Standarddækninger > Sygdom eller tilskadekomst

Dækker, udgifter til lægebehandling og sygetransport hvis du bliver syg eller kommer til skade under ferien.

Covered

Medical evacuation

Covered

No limit stated

Covers expenses for evacuation and involuntary stay.

Source no longer reachable

Section: Standarddækninger > Evakuering

Dækker udgifter til evakuering, ufrivilligt ophold, eftersøgning og redning.

Repatriation of remains

No limit stated

Not specified in the retrieved source text.

Source no longer reachable
Covered

Search and rescue

Covered

No limit stated

Covers expenses for search and rescue if you are reported missing; excludes search/rescue related to kidnapping or hijacking.

Source no longer reachablePage 22

Section: Dækninger > Evakuering, eftersøgning og redning > Eftersøgning og redning

Forsikringen dækker udgifter til: […] Eftersøgning indenfor en radius af 50 km fra det sted, hvor du sidst blev set […] Eftersøgning og redning i forbindelse med kidnapning eller kapring

COVID-19 treatment

No limit stated

Not specified in the retrieved source text.

Source no longer reachable
Conditional

Pre-existing conditions

Conditional

No limit stated

Chronic or pre-existing conditions are only covered following a medical pre-approval; without approval only other acute illness/injury is covered.

Source no longer reachable

Section: Er jeg dækket af min Årsrejseforsikring, hvis jeg er syg?

En rejseforsikring dækker kun akut sygdom og skader opstået under rejsen. Men med en medicinsk forhåndsgodkendelse er du sikret dækning ved sygdom, du kendte til ved bestilling af rejsen eller inden afrejse.

Optional

Winter sports cover

Optional

No limit stated

Ski holiday cover can be added on top of the annual travel insurance as a paid add-on.

Source no longer reachable

Adventure sports cover

No limit stated

Not specified in the retrieved source text.

Source no longer reachable

Pregnancy complications

No limit stated

Not specified in the retrieved source text.

Source no longer reachable

Personal liability

No limit stated

Not clearly distinguishable from other liability-related sentences (e.g. assault compensation) in the retrieved source text.

Source no longer reachable
Covered

Legal assistance

Covered

No limit stated

Covers lawyer expenses if a private legal dispute arises during the trip.

Source no longer reachable

Section: Standarddækninger > Sikkerhedsstillelse og kaution

Dækker også udgifter til advokat, hvis der opstår privat retslig tvist under rejsen.

Covered

24/7 assistance

Covered

A Danish-speaking emergency centre is always ready if you become ill or injured.

Source no longer reachable

Key conditions

Assistance call deadline

Not specified in the available sources.

Unauthorized treatment

Not specified in the available sources.

Purchase while abroad

Not specified in the available sources.

Chronic conditions

A medical pre-approval is required if you have a chronic disease/condition that, within the last 2 months before departure, has led to hospital contact, medical treatment, or a change in medication.

Pregnancy

Not specifically addressed in the retrieved sources beyond the general pre-existing/chronic condition pre-approval rules.

Pre-existing condition exclusions

You can travel while ill, but the insurance only covers acute illness and injuries arising during the trip; with a medical pre-approval you are also covered for illness you knew about when booking or before departure.

Coverage duration limit

The T&C states a standard limit of up to 30 days per trip; the product page separately states trip lengths of 30, 60 or 90 days may apply — these two statements could not be fully reconciled from the retrieved text.

Direct payment

Not specified in the available sources.

Territorial scope

Covers trips of up to 30 days per trip under the standard terms; the product page also references 30, 60 or 90 day options, which could not be fully reconciled from the sources

Documents

Terms and Conditions 40003-1 (July 2025) (opens in a new tab)

Terms & conditions · PDF

IPID - Annual Travel Insurance (effective 1 July 2025) (opens in a new tab)

Product information sheet · PDF

Policy specifics

Ski holiday coverage

Coverage specifically for ski holidays and winter sports activities

SourceSource no longer reachable

Medical pre-approval

Requirement for pre-existing conditions; coverage of pre-existing conditions only with prior medical approval

SourceSource no longer reachable

Section: Hvornår bør jeg søge forhåndsgodkendelse for min Årsrejseforsikring?

Der skal foretages en medicinsk forhåndsvurdering, hvis du har en kronisk sygdom/lidelse, som inden for de sidste 2 måneder før afrejsedatoen, har givet anledning til:

Trip duration limit

Maximum trip duration of 30 days per trip within the annual policy period

SourceSource no longer reachable

Geographic coverage options

Policyholder must choose between Europe (incl. Turkey) or Worldwide coverage

SourceSource no longer reachablePage 6

Section: Om din Årsrejseforsikring > Hvor dækker forsikringen > I udlandet

Forsikringen dækker enten i Europa eller i hele verden. Det fremgår af policen, hvilket geografisk dækningsområde du har valgt. […] Tjekkiet, Tyrkiet, Tyskland, Ukraine, Ungarn, Vatikanstaten, Wales, Østrig, Ålandsøerne.

Trip cancellation coverage

Optional add-on coverage for trip cancellation and modification

SourceSource no longer reachablePage 31

Section: Tilvalgsdækninger > Afbestilling

Tilvalg som kun gælder, hvis det fremgår af policen

Acute illness coverage only

Travel insurance only covers acute illnesses and injuries arising during the trip, not pre-existing conditions

SourceSource no longer reachable

Section: Er jeg dækket af min Årsrejseforsikring, hvis jeg er syg?

En rejseforsikring dækker kun akut sygdom og skader opstået under rejsen.

Annual multi-trip structure

Policyholder covers all household members for unlimited trips within the policy year, subject to 30-day per-trip limit

SourceSource no longer reachable

Household coverage

Coverage extends to all household members registered at same address, including spouse/cohabitant and minor children

SourceSource no longer reachable

Sources

Coop Forsikringer Travel insurance

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