Europæiske ERV Travel insurance (Rejseforsikring Plus)
Underwritten by ERGO Forsikring A/S · Denmark
travel insurance from Europæiske ERV for the Denmark market, with online purchase and 24/7 assistance.
Verified Sep 1, 2026 · Terms dated 2024-03-15Sources
Key facts
- Personal liability up to DKK 10,000,000
Unique selling points
Rejseforsikring Plus is the insurer's most comprehensive travel policy, uniquely including hjemkald (family recall), ødelagt ferie (ruined-holiday compensation up to DKK 50,000) and ferieboligsikring (holiday-home protection up to DKK 20,000) which the Basis tier does not offer.
All customers, regardless of tier, get free 24/7 access to Danish-speaking doctors via Videodoktor.
Can be tailored with a choice of geographic zones (Extended Europe, Worldwide including USA, or Worldwide excluding USA) and bought as a single-trip or annual policy covering the whole household.
Own dedicated 24/7 alarm centre (ERGO Alarm) can issue payment guarantees directly to hospitals abroad, reducing the need for upfront out-of-pocket payment.
Deductible cover for home contents, motor comprehensive and rental-vehicle excess is included as standard in both Basis and Plus.
Coverage limits
Medical expenses (acute illness/injury)
Covered
Covers reasonable and necessary expenses for treatment of acute illness and injury during the trip, including medicine prescribed by the treating doctor; no fixed monetary ceiling is stated, only 'reasonable and necessary'.
Section: 1. Sygdom og tilskadekomst > 1.1 Hvad dækker forsikringen?
Forsikringen dækker, hvis intet andet fremgår, rimelige og nødvendige udgifter til: 1.1.A Akutsygdom og tilskadekomst
Emergency medical treatment
Covered
Reasonable and necessary costs for treatment of acute illness or injury occurring during the trip; both public and private treatment are covered, with public treatment to be chosen first when possible and medically defensible.
Section: 1. Sygdom og tilskadekomst > 1.1 Hvad dækker forsikringen?
Forsikringen dækker både privat og offentlig lægebehandling. Offentlig lægebehandling skal vælges, såfremt det er muligt og af forsvarlig lægelig standard.
Hospitalization
Covered
Covers hospital admission, board and associated hospital services with no stated monetary ceiling. If your stay is extended beyond the trip period due to hospitalization or acute illness/injury, extra board & lodging costs are separately capped at DKK 1,000 per day per insured.
Section: 1. Sygdom og tilskadekomst > 1.1.C Udgifter til kost og logi
Den maksimale dækning er DKK 1.000 pr. dag pr. forsikrede.
Outpatient (ambulant) treatment
Covered
Covered under acute illness/injury cover if you can be treated as an outpatient instead of being admitted; related extra board & lodging costs are capped at DKK 1,000 per day per insured.
Section: 1. Sygdom og tilskadekomst > 1.1.C Udgifter til kost og logi
Forsikringen dækker rimelige og nødvendige ekstraudgifter til kost og logi hvis: a) Du i stedet for indlæggelse kan behandles ambulant.
Emergency dental treatment
DKK 5K
Covers unavoidable, acute dental treatment needed for acute toothache, up to DKK 5,000 per insured per trip; the treating dentist must be authorized in the country of treatment. Accident-related dental injury (Tandskade) is covered separately without the same fixed cap, but must begin abroad and generally be completed within 5 years (or by age 25 if delayed due to age).
Section: 1. Sygdom og tilskadekomst > 1.1.D Akut tandbehandling
Forsikringen dækker udgifter til uopsættelig og akut tandbehandling på destinationen, som er nødvendig på grund af akut tandpine, med op til DKK 5.000 pr. forsikrede pr. rejse.
Local medical transport
Covered
Covers reasonable and necessary local transport costs in connection with medical treatment; if you use your own car, reimbursement is at the state mileage rate. Also covers transport to the nearest suitable treatment location if the current facility is inadequate.
Section: 1. Sygdom og tilskadekomst > 1.1.B Udgifter til lokaltransport
Forsikringen dækker rimelige og nødvendige udgifter til lokaltransport i forbindelse med lægebehandling. Hvis du kører i egen bil, erstatter vi med statens takst pr. kilometer.
Medically necessary transport home (Hjemtransport)
Covered
If medically necessary and approved by ERGO Forsikring's medical team, reasonable and necessary costs of transporting you home to your country of residence (or to a hospital there) are covered, normally by air ambulance or scheduled/charter flight as ERGO Forsikring decides; ERGO Forsikring has the right to decide whether and how transport takes place, and prior approval is required.
Section: 1. Sygdom og tilskadekomst > 1.1.F Hjemtransport
ERGO Forsikrings medicinske ansvarlige vurderer, efter kontakt med den behandlende læge, om en hjemtransport er medicinsk nødvendig og forsvarlig.
Repatriation of remains / funeral abroad
Covered
Covers reasonable and necessary costs to repatriate the deceased to an undertaker/crematorium in the country of residence, including legally required formalities; alternatively, if next of kin prefer local cremation/burial abroad, costs are covered up to the amount a repatriation would have cost.
Section: 1. Sygdom og tilskadekomst > 1.1.G Begravelsesudgifter i udlandet
Hvis du dør under ophold i udlandet, dækkes rimelige og nødvendige udgifter til kremering og/eller begravelse på stedet, hvis dine nærmeste pårørende ønsker dette. Forsikringen dækker maksimalt et beløb svarende til, hvad en hjemtransport af kiste til dit bopælsland ville koste.
Search and rescue
DKK 100K
Covers reasonable and necessary costs of police, civil or military search and/or rescue if you have been reported missing for at least 24 hours, were last seen alive within 5 days, and your location is known; up to DKK 100,000 per insured per claim, or DKK 300,000 per claim event shared equally among a group of insureds.
Section: 6. Eftersøgning og redning > 6.2 Maksimal dækning
Forsikringssummen er op til DKK 100.000 pr. forsikrede pr. skade eller op til DKK 300.000 pr. skadebegivenhed.
COVID-19 treatment
No limit stated
COVID-19 is not named or specifically addressed anywhere in the terms and conditions or IPID; general acute illness cover may apply but no COVID-specific provision was found.
Pre-existing / chronic conditions
Conditional
Existing or chronic illnesses can be covered if you obtain medical pre-approval before departure, particularly recommended if you have a serious chronic condition, a condition newly diagnosed within 2 months before departure, a condition unstable within 2 months before departure, a complicated pregnancy, or are under investigation without a diagnosis; approval applies only to the specific trip and must be renewed for future trips.
Section: Indledning > E. Hvis du har eller har haft en lidelse (forudbestående lidelse)
Et medicinsk forhåndstilsagn kan anbefales for at blive vurderet hvordan du er dækket af forsikringen under rejsen, hvis du opfylder en eller flere af nedenstående kriterier:
Winter sports cover
Optional
Available as a paid add-on ('Vintersport') that must be shown on the policy/booking confirmation; without it, no claims arising from the practice of winter sports such as skiing, snowboarding or similar are covered at all.
Section: TILVALGSDÆKNINGER > 15. Vintersport
Dækningen er et tilvalg og skal fremgå af din forsikringspolice/bookingbekræftigelsen.
Adventure/extreme sports cover
Excluded
Injuries sustained while practising sport, athletics, adventure, expedition-like or similarly risky activities that cannot be considered ordinary leisure activities of normal scope and intensity are excluded from cover.
Section: 1. Sygdom og tilskadekomst > 1.2 Generelle begrænsninger/undtagelser
Du kommer til skade ved udøvelse af sport, atletik, adventure, ekspedition-lignende eller tilsvarende risikobetonede aktiviteter, der ikke kan betragtes som fritidsaktiviteter i almindeligt omfang og intensitet.
Pregnancy complications
Conditional
Unexpected illness or complications for mother and/or unborn child arising during or as a result of pregnancy and birth are covered, including treatment of a baby born before week 37 (36+6). However, expenses relating to pregnancy or birth from week 37 (36+6) onward, medically expected birth assistance (e.g. planned caesarean, induced labour, epidural) and related complications are excluded.
Section: 1. Sygdom og tilskadekomst > 1.1.A Akutsygdom og tilskadekomst
Uventet sygdom eller komplikationer hos moder og/eller ufødt barn opstået under eller som en følge af graviditet og fødsel, herunder behandling af et barn, der er født for tidligt, dvs. inden uge 37 (36+6)
Personal liability
DKK 10M
Covers private personal liability towards third parties for personal or property damage caused by you during a trip, including damage to a rented holiday home/hotel room and its contents; maximum DKK 10,000,000 per claim, combining personal and property damage, and capped at DKK 10,000,000 in total even if several co-insured travellers are jointly liable.
Section: 8. Ansvar og global juridisk assistance > 8.1.2 Maksimal dækning
Personskade: DKK 10.000.000 pr. skade Tingskade: 10.000.000 pr. skade
Global legal assistance
DKK 100K
Covers reasonable and necessary legal costs (own and opposing party's lawyer fees when ordered to pay, expert reports, court costs) for concrete legal disputes arising during a trip abroad, up to DKK 100,000 per trip; a 10% deductible applies (minimum DKK 2,500), waived if you qualify for free legal aid in the country where the damage occurred.
Section: 8. Ansvar og global juridisk assistance > 8.2.2 Maksimal dækning
Forsikringssummen er op til DKK 100.000 pr. rejse. Der er en selvrisiko på 10 % af de samlede skadeomkostninger, dog minimum DKK 2.500.
24/7 emergency assistance
Covered
ERGO Forsikring's own alarm centre, ERGO Alarm, is open 24 hours a day all year round and can advise on medical questions, refer you to the nearest suitable treatment provider, and issue payment guarantees; the wider Euro-Center network can assist on-site with information, guidance and claims handling.
Section: Definitioner
ERGO Alarm: Vores egen alarmcentral. Alarmcentralen er døgnåbent året rundt og kan vejlede om medicinske spørgsmål, henvise dig til nærmeste behandler samt udstede betalingsgarantier.
Key conditions
Assistance call deadline
You must contact ERGO Alarm, the 24/7 emergency helpline, in the event of an emergency; costs for benefits such as home transport, escort/summons of relatives, search and rescue, evacuation, and crisis assistance must be pre-approved by ERGO Forsikring before they are incurred.
Unauthorized treatment
If you do not comply with ERGO Forsikring's decisions on home transport, transfer to another hospital, or its instructions/those of the treating doctor, cover can be reduced or fully lapse, and costs you or others arrange without prior approval that ERGO Forsikring would not itself have incurred are not covered.
Purchase while abroad
The insurance, including any add-on covers, must be purchased no later than the day of departure from your country of residence; it cannot be bought once you are already abroad, and cover begins when the trip starts unless otherwise agreed in advance with ERGO Forsikring.
Chronic conditions
For existing or chronic illnesses, you can and are recommended to apply for medical pre-approval before departure, especially if you have a serious chronic condition, a newly diagnosed condition within 2 months of departure, an unstable condition within 2 months of departure, a complicated pregnancy, or are under investigation without a diagnosis; approval covers only the specific upcoming trip.
Pregnancy
Unexpected illness or complications during pregnancy or birth, including premature birth before week 37 (36+6), are covered under acute illness/injury cover, but costs relating to pregnancy or birth from week 37 (36+6) onward and medically expected birth assistance/complications are excluded.
Pre-existing condition exclusions
Cover is excluded if the illness or injury had shown symptoms before departure and/or was diagnosed by a doctor, physiotherapist or chiropractor and falls under the pre-existing condition criteria without pre-approval having been obtained, if you failed to seek or completed treatment despite knowing it was needed, or if you are listed for or awaiting investigation/treatment.
Coverage duration limit
This single-trip policy (Enkeltrejseforsikring Plus) is valid for the period stated on the policy, but you must not have been away from your Nordic country of residence for more than 2 years.
Direct payment
ERGO Forsikring's own 24/7 alarm centre, ERGO Alarm, can advise on medical questions, refer you to the nearest suitable treatment provider and issue payment guarantees directly to hospitals/clinics on your behalf.
Territorial scope
The policy does not cover areas where the Danish Ministry of Foreign Affairs advises against all travel; if such advice is issued while you are already in the area, cover continues for up to 14 days provided you leave/evacuate at the first opportunity.
Documents
Policy specifics
Home return expenses for missed connection
Coverage for return tickets to place of residence if insured misses scheduled departure due to illness/injury requiring medical treatment
SourceFamily summons (home call) coverage
Coverage for costs of transport for up to 2 companions to travel home if insured is summoned due to serious illness in family
SourceClause 1.1.IPage 8Section: 1. Sygdom og tilskadekomst > 1.1.I Tilkald
Forsikringen dækker rimelige og nødvendige ekstraudgifter til tilkald af op til 2 personer efter eget valg
Ruined holiday compensation
Compensation for lost holiday days if insured must cut short vacation due to covered illness/injury; Plus covers up to DKK 2,000 per day
SourceClause 4.1.2Page 22Section: 13. Ødelagt ferie – Kræver Rejseforsikring Plus > 4.1.2 Maksimal dækning
Op til i alt DKK 2.000 pr. dag, pr. person for udgifter til hotelovernatning, måltider og lokal transport.
Replacement travel coverage
Coverage for replacement vacation days if insured's holiday is cut short and must take compensatory leave within one year
SourceMedical pre-approval for existing conditions
For existing/chronic conditions not stable 2 months before travel, medical pre-approval required from ERGO; Plus requires no EHIC card for EU/EEA coverage
SourceHjemkald (family recall) - Plus exclusive
If you must interrupt your trip due to serious acute illness/injury requiring at least 3 days' hospitalization, life-threatening illness/injury or death of a close family member in the Nordics, or major private/business emergencies (e.g. bankruptcy, major fire, burglary, flooding at home/business), Rejseforsikring Plus covers reasonable travel costs (max economy class) and/or hotel costs for you and one co-insured travel companion, plus your own children/stepchildren/foster children under 18.
SourceClause 12.1.1Page 25Section: 12. Hjemkald – Kræver Rejseforsikring Plus > 12.1.1 Hjemkald
Hjemrejse til dit bopælsland, maksimalt på økonomiklasse, og/eller hoteludgifter for dig og en medforsikret rejseledsager, samt medrejsende børn, stedbørn og plejebørn under 18 år
Ruined holiday compensation - Plus exclusive
Compensates 'rejsens pris pr. dag' (the average daily trip cost) for holiday days ruined due to hospitalization, home transport, family recall (hjemkald), evacuation, or arrival delayed more than 12 hours; capped at DKK 50,000 per insured per trip and DKK 200,000 per policy per trip. If more than 50% of the trip is ruined, a full replacement trip may be covered instead.
SourceClause 13.4Page 26Section: 13. Ødelagt ferie – Kræver Rejseforsikring Plus > 13.4 Maksimal erstatning
Maksimal erstatning er op til DKK 50.000 pr. forsikrede pr. rejse. Den samlede erstatning kan i alle tilfælde maksimalt udgøre DKK 200.000 pr. police pr. rejse.
Holiday home protection - Plus exclusive
If your booked and paid holiday home becomes uninhabitable before your arrival due to burglary, water damage, fire damage or natural disaster, covers reasonable extra costs to rent an equivalent replacement holiday home, up to DKK 20,000 per trip.
SourceClause 14.1Page 30Section: 14. Ferieboligsikring – Kræver Rejseforsikring Plus > 14.1 Hvad dækker forsikringen?
Hvis din bestilte og betalte feriebolig, inden din ankomst, bliver ubeboelig som følge af indbrud, vandskade, brandskade eller naturkatastrofe, dækker forsikringen ekstraudgifter til leje af tilsvarende feriebolig.
Replacement trip - Plus exclusive
If more than 50% of the total planned trip period is ruined due to hospitalization, home transport (hjemtransport), or family recall (hjemkald), a full replacement trip is covered instead of a per-day payout, to be taken within one year.
SourceClause 13.1Page 26Section: 13. Ødelagt ferie – Kræver Rejseforsikring Plus > 13.1
Hvis mere end 50 % af den samlede planlagte rejseperiode er blevet ødelagt på grund af hospitalsindlæggelse, hjemtransport eller hjemkald dækker forsikringen en erstatningsrejse.
Medical pre-approval criteria (applies to Basis and Plus alike)
Pre-approval before departure is recommended if you: (a) suffer a serious chronic condition, (b) developed a new condition within 2 months of departure, (c) had an existing/chronic condition that was not stable for 2 months before departure, (d) have a complicated pregnancy, or (e) are or have been under investigation within 2 months of departure without a diagnosis; approval covers only the specific upcoming trip.
SourcePage 4Section: Indledning > E. Hvis du har eller har haft en lidelse (forudbestående lidelse)
Forhåndstilsagnet gælder kun for den aktuelle rejse. Næste gang du skal rejse, skal du søge om fornyet forhåndstilsagn, hvis du opfylder et af kriterierne ovenfor.
European Health Insurance Card requirement
For Travel Insurance Basis: EHIC card required when travelling within EU/EEA to validate medical coverage; Travel Insurance Plus does not have this requirement
SourcePage 5Section: 1. Sygdom og tilskadekomst > 1.1 Hvad dækker forsikringen?
Rejser du indenfor EU/EØS, bliver du bedt om at oplyse nummeret på dit Blå EU-sygesikringskort til ERGO Forsikring eller til vores alarmcentral.
Deductible/excess availability
Both Basis and Plus tiers may include optional excess/deductible applying only to claims related to Illness and Injury; amount shown on policy
SourcePage 5Section: 1. Sygdom og tilskadekomst > 1.1 Hvad dækker forsikringen?
Din forsikring kan være tegnet med en selvrisiko, der alene gælder for skader i forbindelse med "Sygdom og tilskadekomst". En eventuel selvrisiko vil fremgå af din police og gælder pr. skade.
Claims submission options
Claims can be submitted online 24/7 via insurer website, by phone to customer service, or to claims department
SourcePage 39Section: Generelle bestemmelser > Anmeldelse af en skade og udbetaling af erstatning
Du skal anmelde skaden så hurtigt som muligt ved at udfylde en skadeanmeldelse på vores hjemmeside: www.erv.dk.
Mandatory emergency notification requirement
For inpatient hospital admission, ERGO medical advisor must be contacted immediately; failure may result in reduced benefits
SourceClaims submission channels
Claims can be filed online 24/7 via the insurer's website, or reported to the claims department by phone or email; urgent/acute matters should go through the 24/7 ERGO Alarm helpline instead.
SourcePage 39Section: Generelle bestemmelser > Anmeldelse af en skade og udbetaling af erstatning
Hvis du ikke har mulighed for at udfylde skadeanmeldelsen online, kan den rekvireres ved at kontakte ERGO Forsikring.
Daily caps for board & lodging / delayed departure hotel costs
Extra board & lodging costs when a stay is extended due to hospitalization or ambulant treatment are capped at DKK 1,000 per day per insured (Chapter 1.1.C). Separately, hotel, meals and local transport costs due to a missed departure connection are capped at DKK 2,000 per day per person (Chapter 4.1.2). Neither cap differs between Basis and Plus.
SourceClause 4.1.2Page 13Section: 4. Forsinket fremmøde > 4.1.2 Maksimal dækning
Op til i alt DKK 2.000 pr. dag, pr. person for udgifter til hotelovernatning, måltider og lokal transport.
Combined limit for medical escort and summons
Sygeledsagelse (medical escort) and Tilkald (summons) together cover a maximum of 2 persons of your choice, plus your own children/stepchildren/foster children under 18; this combined cap applies identically to Basis and Plus, and is distinct from Hjemkald's separate 1-companion limit (Plus only).
SourceClause 1.1.IPage 8Section: 1. Sygdom og tilskadekomst > 1.1.I Tilkald
Hvis du gør brug af dækningen "Tilkald", dækker "Sygeledsagelse" og "Tilkald" tilsammen maksimalt udgifter for op til 2 personer samt dine medrejsende børn, stedbørn eller plejebørn under 18 år.
EU health insurance card (EHIC) request
When travelling within the EU/EEA, you will be asked to provide your EHIC card number to ERGO Forsikring or ERGO Alarm so they can assess whether public treatment is medically appropriate; public treatment must be chosen first where possible and medically defensible.
SourcePage 5Section: 1. Sygdom og tilskadekomst > 1.1 Hvad dækker forsikringen?
Rejser du indenfor EU/EØS, bliver du bedt om at oplyse nummeret på dit Blå EU-sygesikringskort til ERGO Forsikring eller til vores alarmcentral.
Prior approval required for many benefits
Costs for hjemtransport, sygeledsagelse, tilkald, fysioterapi/kiropraktik, eftersøgning og redning, evakuering, krisehjælp, and hjemkald must all be pre-approved by ERGO Forsikring before being incurred, or reimbursement may be reduced or refused.
SourcePage 7Section: 1. Sygdom og tilskadekomst > 1.1.F Hjemtransport > Forholdsregler/sikkerhedsanvisninger
Udgifter til hjemtransport skal forhåndsgodkendes af ERGO Forsikring.
Sources
- europaeiske.dkhttps://www.europaeiske.dk/globalassets/gemensamt/danmark/pdf/betingelser/rejseforsikring-basis-og-plus-betingelser.pdf#page=10(opens in a new tab)
- europaeiske.dkhttps://www.europaeiske.dk/globalassets/gemensamt/danmark/pdf/betingelser/rejseforsikring-basis-og-plus-betingelser.pdf#page=13(opens in a new tab)
- europaeiske.dkhttps://www.europaeiske.dk/globalassets/gemensamt/danmark/pdf/betingelser/rejseforsikring-basis-og-plus-betingelser.pdf#page=16(opens in a new tab)
- europaeiske.dkhttps://www.europaeiske.dk/globalassets/gemensamt/danmark/pdf/betingelser/rejseforsikring-basis-og-plus-betingelser.pdf#page=18(opens in a new tab)
- europaeiske.dkhttps://www.europaeiske.dk/globalassets/gemensamt/danmark/pdf/betingelser/rejseforsikring-basis-og-plus-betingelser.pdf#page=20(opens in a new tab)
- europaeiske.dkhttps://www.europaeiske.dk/globalassets/gemensamt/danmark/pdf/betingelser/rejseforsikring-basis-og-plus-betingelser.pdf#page=22(opens in a new tab)
- europaeiske.dkhttps://www.europaeiske.dk/globalassets/gemensamt/danmark/pdf/betingelser/rejseforsikring-basis-og-plus-betingelser.pdf#page=25(opens in a new tab)
- europaeiske.dkhttps://www.europaeiske.dk/globalassets/gemensamt/danmark/pdf/betingelser/rejseforsikring-basis-og-plus-betingelser.pdf#page=26(opens in a new tab)
- europaeiske.dkhttps://www.europaeiske.dk/globalassets/gemensamt/danmark/pdf/betingelser/rejseforsikring-basis-og-plus-betingelser.pdf#page=30(opens in a new tab)
- europaeiske.dkhttps://www.europaeiske.dk/globalassets/gemensamt/danmark/pdf/betingelser/rejseforsikring-basis-og-plus-betingelser.pdf#page=31(opens in a new tab)
- europaeiske.dkhttps://www.europaeiske.dk/globalassets/gemensamt/danmark/pdf/betingelser/rejseforsikring-basis-og-plus-betingelser.pdf#page=39(opens in a new tab)
- europaeiske.dkhttps://www.europaeiske.dk/globalassets/gemensamt/danmark/pdf/betingelser/rejseforsikring-basis-og-plus-betingelser.pdf#page=4(opens in a new tab)
- europaeiske.dkhttps://www.europaeiske.dk/globalassets/gemensamt/danmark/pdf/betingelser/rejseforsikring-basis-og-plus-betingelser.pdf#page=40(opens in a new tab)
- europaeiske.dkhttps://www.europaeiske.dk/globalassets/gemensamt/danmark/pdf/betingelser/rejseforsikring-basis-og-plus-betingelser.pdf#page=42(opens in a new tab)
- europaeiske.dkhttps://www.europaeiske.dk/globalassets/gemensamt/danmark/pdf/betingelser/rejseforsikring-basis-og-plus-betingelser.pdf#page=5(opens in a new tab)
- europaeiske.dkhttps://www.europaeiske.dk/globalassets/gemensamt/danmark/pdf/betingelser/rejseforsikring-basis-og-plus-betingelser.pdf#page=6(opens in a new tab)
- europaeiske.dkhttps://www.europaeiske.dk/globalassets/gemensamt/danmark/pdf/betingelser/rejseforsikring-basis-og-plus-betingelser.pdf#page=7(opens in a new tab)
- europaeiske.dkhttps://www.europaeiske.dk/globalassets/gemensamt/danmark/pdf/betingelser/rejseforsikring-basis-og-plus-betingelser.pdf#page=8(opens in a new tab)
- europaeiske.dkhttps://www.europaeiske.dk/privat/rejseforsikringer/rejseforsikring-plus/(opens in a new tab)
Europæiske ERV Travel insurance