ERGO Forsikring A/S (trading as Europæiske ERV)

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.

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

Family 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

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

Replacement travel coverage

Coverage for replacement vacation days if insured's holiday is cut short and must take compensatory leave within one year

Holiday home cancellation insurance

Coverage up to DKK 20,000 for cancelled holiday home rental if trip is cancelled due to covered reasons

Medical 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

Hjemkald (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.

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.

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.

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.

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.

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

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

Companion coverage limits

Basis: up to 1 companion; Plus: up to 2 companions for escort/summoning; both exclude children under 18 who are covered separately

Maximum daily accommodation cost

Basis: DKK 1,000 per day; Plus: DKK 2,000 per day for accommodation if stay extends beyond insurance period due to hospitalization/illness

Claims submission options

Claims can be submitted online 24/7 via insurer website, by phone to customer service, or to claims department

Mandatory emergency notification requirement

For inpatient hospital admission, ERGO medical advisor must be contacted immediately; failure may result in reduced benefits

Claims 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.

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.

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).

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.

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.