Djøf Forsikring Travel insurance (Aarsrejseforsikring)

Covers reasonable and necessary expenses for treatment by an authorised doctor, doctor-prescribed medicine, and doctor-prescribed hospital stay/treatment for acute illness or injury on the trip; no aggregate cap is stated for the doctor/hospital treatment itself (separate per-person sub-limits of DKK 10,000 each apply to emergency dental treatment and to physiotherapy/chiropractor treatment).

Covers treatment by an authorised doctor and doctor-prescribed medicine for acute illness or injury arising during the trip; no cap is stated on the acute treatment itself.

Covers doctor-prescribed hospital stay and treatment for acute illness or injury on the trip, plus extra hotel/food expenses from discharge until return home; no aggregate cap is stated.

Doctor consultations for acute illness/injury abroad are covered without a stated cap; treatment by a physiotherapist or chiropractor is covered up to DKK 10,000 per person.

Covers acute pain-relieving dental treatment by an authorised dentist abroad, up to DKK 10,000 per person.

Covers reasonable and necessary expenses for ambulance/sick transport to and from the treatment site, transport home to Denmark by ordinary means, ambulance, or air ambulance, and transport home of an insured under 18 who would otherwise have to travel alone; no aggregate cap is stated.

Covers authority-ordered evacuation (e.g. due to war, natural disaster, epidemic) and involuntary stay: extra transport, accommodation and food costs for up to 3 months, capped at DKK 96,000 in total, plus baggage loss/damage during the evacuation up to DKK 30,000 per person. This is distinct from medically necessary air-ambulance repatriation, which is covered without a stated cap under Hjemtransport og sygetransport.

Covers repatriation of the deceased to Denmark including legally required measures; if relatives prefer burial or cremation at the location, costs are covered up to the amount a repatriation would have cost. No other specific cap is stated.

Covers reasonable and necessary extra expenses for search within a 50 km radius of the last known location, and for rescue once the location is established, up to DKK 100,000 per person, subject to an aggregate cap of DKK 500,000 across all insured on the policy. Requires the insured to have been missing more than 24 hours, the case to be reported to local police, and the search/rescue to be coordinated by local or Danish authorities.

The terms and conditions and IPID do not specifically name COVID-19. General acute-illness cover would apply to illness contracted during the trip, but the policy excludes damage arising from entering a country or area affected by an epidemic that requires health-related treatment.

Worsening of a chronic or pre-existing condition is excluded unless a medical pre-approval (forhåndsgodkendelse) has been obtained before the trip; routine check-ups, treatment, or medication to keep such a condition stable are never covered.

Skiing and snowboarding are covered only if the optional 'Aktiv ferie' (Active Holiday) add-on has been purchased before departure; the add-on must apply to a holiday whose main purpose is the sports activity (a city-break or beach holiday with incidental skiing does not qualify).

Diving, cycling, hunting, sailing and horseback riding are covered as 'Aktiv ferie' if purchased as an add-on before departure. Extreme sports (e.g. paragliding, base jumping, free diving, ultra-running, MMA) are always excluded, regardless of any add-on purchased.

Childbirth occurring up to 4 weeks before the expected due date is covered as an acute event during the trip. Complications known about, or where a doctor advised against travel, before departure are not covered.

No personal liability (third-party liability) cover is described in the reviewed terms, IPID, or product page for the Årsrejseforsikring; the policy instead covers legal costs/bail for disputes and assault to the insured (see Sikkerhedsstillelse og kaution and Overfald), which are distinct benefits.

Covers, up to DKK 250,000 per legal dispute, lawyer's fees, compensation claims raised against the insured by local authorities, and payment for release if the insured or their luggage is detained by local authorities; bail is an interest-free loan repayable once released by the authorities.