FDM Forsikring Travel insurance (Aarsrejseforsikring)
Underwritten by Tryg Forsikring A/S · Denmark
travel insurance from FDM Forsikring for the Denmark market, with online purchase and 24/7 assistance.
Verified Sep 1, 2026 · Terms dated 2026-03Sources
Unique selling points
All forms of sport, including sports normally considered dangerous, are covered as standard for medical treatment, except skiing and snowboarding injuries, which require the optional 'Ski tilskadekomst m.m.' add-on.
Årsrejse Super customers get one free travel vaccine when traveling to a country that requires special vaccination.
The Tryg Doctor Hotline app offers video consultations with a Danish-speaking doctor while abroad, similar to an out-of-hours GP at home.
Coverage extends to the whole household, including cohabiting groups of up to 9 adults and 9 children on the same address.
Policyholders can choose a per-trip coverage length of 30, 60 or 90 days to match their travel pattern.
Coverage limits
Medical treatment abroad
Covered
Covers doctor and hospital stays, including medicine and operations, in connection with illness or injury occurring during the trip. The exact sum insured is specified in the individual policy agreement (forsikringsaftale), not in the general terms.
Section: 6. Sygdom og tilskadekomst m.v. > 6.1 Behandling i udlandet
Forsikringen dækker læge- og hospitalsophold, herunder medicin og operation, i forbindelse med akut sygdom eller tilskadekomst, der opstår på rejsen. […] Se erstatningssummer i din forsikringsaftale.
Emergency medical treatment
Covered
Covers acute illness or injury that arises suddenly during the trip and did not show symptoms before departure; also covers acute worsening of an existing illness if the insured has not been ill within 2 months before departure or has obtained a medical pre-approval. Sum insured is in the policy agreement.
Section: 6. Sygdom og tilskadekomst m.v. > 6.1 Behandling i udlandet
Akut er sygdom og tilskadekomst, der opstår pludseligt under rejsen, og som ikke har vist symptomer før afrejse. […] Forsikringen dækker også akut forværring af eksisterende sygdom, hvis du ikke har været syg indenfor 2 måneder inden afrejse, eller hvis du har fået en medicinsk forhåndsgodkendelse. […] Se erstatningssummer i din forsikringsaftale.
Hospitalization
Covered
Hospital stays due to covered illness or injury during the trip are covered under Treatment Abroad; if the return home is delayed because the insured becomes acutely ill or is injured (e.g. requiring hospitalization) during the covered period, the coverage period is automatically extended beyond the chosen number of travel days. Sum insured is in the policy agreement.
Section: 3. Hvornår gælder forsikringen > Dækning udover det valgte antal rejsedage
Hvis din hjemrejse udskydes, fordi du i dækningsperioden er blevet akut syg eller er kommet akut til skade, dækker forsikringen ligeledes ud over det valgte antal rejsedage.
Outpatient treatment
Covered
Covers treatment related to a covered illness or injury by a physiotherapist, chiropractor, osteopath or zone therapist. Sum insured is in the policy agreement.
Section: 6. Sygdom og tilskadekomst m.v. > 6.1 Behandling i udlandet
Desuden dækkes behandling relateret til en omfattet sygdom eller tilskadekomst hos en fysioterapeut, kiropraktor, osteopat, zoneterapeut samt akut tandbehandling for at mindske skadens omfang, fx akut smertelindring eller behandling. […] Se erstatningssummer i din forsikringsaftale.
Emergency dental treatment
Covered
Covers acute dental treatment to reduce the scope of the damage, e.g. acute pain relief or treatment, when related to a covered event. Sum insured is in the policy agreement.
Section: 6. Sygdom og tilskadekomst m.v. > 6.1 Behandling i udlandet
Desuden dækkes behandling relateret til en omfattet sygdom eller tilskadekomst hos en fysioterapeut, kiropraktor, osteopat, zoneterapeut samt akut tandbehandling for at mindske skadens omfang, fx akut smertelindring eller behandling. […] Se erstatningssummer i din forsikringsaftale.
Medical/sick transport
Covered
Covers ambulance or local transport to and from the nearest suitable hospital/treatment site, plus transport back home, when a covered illness, injury or death occurs; also covers a medically prescribed escort if the insured cannot travel alone. Sum insured is in the policy agreement.
Section: 6. Sygdom og tilskadekomst m.v. > 6.2 Syge- og hjemtransport
Når forsikringen dækker en sygdom, tilskadekomst eller dødsfald, dækkes også udgifter til ambulance- eller lokal transport til og fra nærmeste egnede hospital eller behandlingssted samt udgifter til at du kan blive transporteret hjem. […] Hvis du på grund af dit helbred ikke kan rejse alene, dækkes udgifter til en ledsager, når dette er godkendt af Trygs læge. […] Se erstatningssummer i din forsikringsaftale.
Repatriation of remains
Covered
In the event of death, covers costs of urn or coffin transport, including legally required measures. Sum insured is in the policy agreement.
Section: 6. Sygdom og tilskadekomst m.v. > 6.2 Syge- og hjemtransport
Ved dødsfald dækkes udgifter til urne- eller kistetransport, inklusive lovbefalede foranstaltninger. […] Se erstatningssummer i din forsikringsaftale.
Search and rescue
Covered
Covers costs for search within a radius of 50 km from where the insured was last seen, and rescue costs once the location has been established. Excludes search/rescue in Arctic areas of Canada, Russia and Alaska. Sum insured is in the policy agreement.
Section: 6. Sygdom og tilskadekomst m.v. > 6.5 Eftersøgning og redning
Forsikringen dækker udgifter til eftersøgning inden for en radius af 50 km fra det sted, du sidst er blevet set. Når dit opholdssted er blevet fastlagt, dækkes udgifter til redning af dig. […] eftersøgning og redning i arktiske områder i Canada, Rusland og Alaska. […] Se erstatningssummer i din forsikringsaftale.
Covid-19 treatment
No limit stated
The terms and conditions do not include a specific named Covid-19 treatment clause; only rules on Covid-related vaccination/quarantine requirements affecting trip cancellation are addressed (section 17.2).
Pre-existing conditions
Conditional
Worsening during the trip of an existing or chronic illness is only covered if a medical pre-approval has been obtained, or if the insured has not been ill within 2 months before departure. A medical pre-assessment (electronic test) determines whether the condition is fully, partly, or not covered.
Section: 6. Sygdom og tilskadekomst m.v. > 6.1 Behandling i udlandet
Forsikringen dækker også akut forværring af eksisterende sygdom, hvis du ikke har været syg indenfor 2 måneder inden afrejse, eller hvis du har fået en medicinsk forhåndsgodkendelse. […] Forværring under rejsen af en eksisterende eller kronisk sygdom eller af en tilskadekomst opstået før afrejse dækkes ikke, medmindre vi har givet en medicinsk forhåndsgodkendelse. […] Vurderingen er baseret på de oplysninger, du afgiver, og kan enten resultere i en forhåndsgodkendelse, der betyder at forsikringen dækker efter vilkårene, eller der betyder, at du kun delvist eller slet ikke er dækket af rejsen.
Winter sports cover
Optional
Treatment, hospitalization, transport home, sickness accompaniment or recall due to injuries sustained while skiing or snowboarding are excluded unless the optional 'Ski tilskadekomst m.m.' add-on has been selected and appears in the policy agreement. All other forms of sport, including those normally considered dangerous, are covered for medical treatment as standard.
Section: 6. Sygdom og tilskadekomst m.v. > 6.1 Behandling i udlandet > Hvad er ikke dækket
Behandling eller indlæggelse, hvis årsagen er en direkte eller indirekte følge af skader sket på ski eller snowboard medmindre tilvalget 'Ski tilskadekomst m.m.' er tilvalgt.
Adventure/dangerous sports cover
Covered
All forms of sport, including those normally considered dangerous, are covered for medical treatment as standard, except injuries sustained while skiing or snowboarding, which require the optional 'Ski tilskadekomst m.m.' add-on. Professional sport and polar expeditions are excluded entirely.
Section: 4. Hvilke typer rejser og aktiviteter er omfattet
Forsikringen dækker skader, der er sket under udøvelse af alle typer sport, også sportsgrene, der almindeligvis betragtes som farlig sport. Se dog afsnit Ski og snowboard. […] Forsikringen omfatter ikke rejser, hvor der indgår deltagelse i polarekspeditioner. professionel sport.
Pregnancy complications
Conditional
Pregnancy-related illness or injury is covered as ordinary acute illness; non-medically-justified abortion, sterilisation and sterility examinations or treatment are excluded.
Section: 6. Sygdom og tilskadekomst m.v. > 6.1 Behandling i udlandet > Hvad er ikke dækket
Abort, der ikke er medicinsk begrundet, sterilisation og sterilitetsundersøgelser eller behandling.
Personal liability
Covered
Covers the insured as a private individual causing personal injury or property damage and thereby incurring liability; excludes liability from use of motor vehicles or boats, damage to items in the insured's care, or liability assumed under contract beyond ordinary Danish tort law. Sum insured is in the policy agreement.
Section: 6. Sygdom og tilskadekomst m.v. > 6.10 Privatansvar
Forsikringen dækker, hvis du som privatperson forvolder person eller tingskade, og derved pådrager dig et erstatningsansvar. […] der skyldes brug af motorkøretøjer eller luftfartøj. på genstande, du har i din varetægt. på dine ting eller ting tilhørende din husstand. der er opstået under lønnet eller ulønnet arbejde. som følge af, at du ved aftale eller på anden måde har pådraget dig et videregående ansvar end efter dansk rets almindelige regler om erstatningsansvar uden for kontraktforhold.
Legal assistance
Covered
Covers legal aid costs if the insured has sought assistance from a lawyer who has taken on the case, following the terms of Tryg's Legal Aid Insurance (with deviations, e.g. only covering disputes arising during the trip). Sum insured is in the policy agreement; a special deductible applies per Tryg's Legal Aid terms.
Section: 6. Sygdom og tilskadekomst m.v. > 6.9 Retshjælp
Forsikringen dækker udgifter til retshjælp, hvis du har søgt bistand hos en advokat, som har påtaget sig sagen. […] Forsikringen dækker alene i forbindelse med rets- eller voldgiftssager, der er udsprunget af uenighed af retlig art opstået under rejsen, og som direkte vedrører dig. […] Der gælder en særlig selvrisiko for Retshjælpsforsikringen. Den fremgår af betingelserne for retshjælp, som du kan finde på www.fdm.dk/forsikringer/retshjælpsforsikring.
24/7 emergency assistance
Covered
Tryg Alarm provides round-the-clock access to doctors and trained health/assistance staff for immediate help, e.g. hospitalization due to illness or injury; the cost of calling Tryg Alarm is reimbursed, so the insured should keep documentation of the call expense. The Tryg Doctor Hotline app additionally offers video consultation with a Danish doctor while abroad.
Section: Din rejseforsikring består både af din forsikringsaftale og dine forsikringsbetingelser > Når uheldet er ude
Du kan døgnet rundt få hjælp fra læger og særligt uddannet sundheds- og assistancepersonale, hvis du har behov for øjeblikkelig hjælp, fx i forbindelse med indlæggelse pga. sygdom eller tilskadekomst. […] Udgift til opkald til Tryg alam refunderes. Du skal blot sikre dig dokumentation for udgiften til opkaldet. […] Du har adgang til videokonsultation med en dansk læge, der kan hjælpe dig under din ferie, på samme måde som en vagtlæge hjemme.
Evacuation
Covered
Covers extra transport, accommodation and meal costs to be evacuated to the home country or an equivalent location when Danish authorities recommend evacuation, or Tryg assesses evacuation is needed due to war, terrorism, natural disaster or epidemic that arose after arrival. Sum insured is in the policy agreement.
Section: 6. Sygdom og tilskadekomst m.v. > 6.6 Evakuering og ufrivilligt ophold
Forsikringen dækker ekstraudgifter til transport og eventuelt ophold og forplejning, så du kan blive evakueret til dit bopælsland, når Udenrigsministeriet i Danmark, Statens Serum Institut eller lignende offentlig dansk myndighed anbefaler evakuering fra det land/område, hvor du opholder dig. […] krig, borgerkrig, militær undtagelsestilstand, oprør eller borgerlige uroligheder, der medfører undtagelsestilstand. - terrorisme. - naturkatastrofer eller epidemi. […] Det er en betingelse for erstatning, at disse hændelser ikke var sket, da du rejste ind i landet.
Key conditions
Assistance call deadline
There is no fixed hour-based call-in deadline; instead, diagnostics/treatment (except acute and urgent treatment) must be approved by Tryg Alarm or Tryg Doctor Hotline before it begins.
Unauthorized treatment
Costs for home transport or home recall that have not been approved in advance by Tryg's doctor/Tryg Alarm are not covered.
Purchase while abroad
The terms and conditions do not address purchasing or activating this policy while the insured is already abroad.
Chronic conditions
A chronic disease is one that has lasted, or is expected to last, longer than six months and requires ongoing medical control/treatment. If a chronic condition has worsened, required extra medical control, or changed treatment/medication within 2 months before paying for the trip or before departure, a medical pre-approval is required for full cover.
Pregnancy
Pregnancy-related acute illness/injury is covered like ordinary illness; non-medically-justified abortion, sterilisation and sterility treatment are excluded.
SourceClause 6.1Page 7Section: 6. Sygdom og tilskadekomst m.v. > 6.1 Behandling i udlandet > Hvad er ikke dækket
Abort, der ikke er medicinsk begrundet, sterilisation og sterilitetsundersøgelser eller behandling.
Pre-existing condition exclusions
Coverage for treatment abroad or trip cancellation requires a medical pre-approval if the insured has an existing/chronic condition that could worsen on the trip; without pre-approval, worsening of an existing condition during the trip is not covered unless the insured has not been ill within 2 months before departure.
Coverage duration limit
The insured selects a coverage duration of 30, 60 or 90 days per individual trip (as stated in the policy agreement); this period is automatically extended by up to 48 hours if the return is delayed through no fault of the insured, and further extended if the return is delayed due to hospitalization.
Direct payment
Before diagnostic tests or treatment start (except acute and urgent treatment), approval must be obtained from Tryg Alarm or Tryg Doctor Hotline; Tryg Alarm can then provide a guarantee or send payment directly to the hospital or treating doctor.
Territorial scope
Europe includes the geographic Europe, Faroe Islands, Greenland, UK, Ireland, Malta, Canary Islands, Azores, Madeira, Turkey and Cyprus, plus Russia up to the Ural Mountains, Belarus, Ukraine and Kazakhstan; overseas territories/departments of European countries are excluded. Worldwide includes the whole world including the USA, except polar regions and areas under official travel warnings or war/civil unrest.
Documents
Policy specifics
Medical pre-approval for chronic conditions
Requirement for pre-approval if traveling with chronic illness or existing medical conditions
SourceSection: Spørgsmål og svar om rejseforsikring > Hvad er medicinsk forhåndsgodkendelse?
Hvis du lider af en kronisk sygdom eller lidelse, skal du sikre dig, at du er rask nok til at rejse. Med en medicinsk forhåndsgodkendelse kan du få svar på, om du er fuldt dækket på din rejse.
Maximum trip duration per journey
Annual travel insurance covers each trip for 30, 60 or 90 days, as chosen on the policy
SourceSection: Spørgsmål og svar om rejseforsikring > Hvad koster en rejseforsikring hos FDM Forsikringer?
Hvor mange dage skal rejseforsikringen dække? Du kan vælge mellem 30, 60 eller 90 dage.
Geographic coverage areas
Coverage available for Europe or Worldwide; different geographic zones with specific inclusions/exclusions
SourceSection: Spørgsmål og svar om rejseforsikring > Hvad koster en rejseforsikring hos FDM Forsikringer?
Skal rejseforsikringen kun dække i Europa eller skal den dække i hele verden?
24-hour emergency assistance
Tryg Alarm provides 24/7 access to doctors and trained health professionals for immediate help during illness or injury
SourceVideo doctor consultation service
Access to Tryg Doctor Hotline app for video consultation with Danish doctor during trip for minor illnesses
SourceSection: Derfor skal du vælge en rejseforsikring fra FDM Forsikringer > Adgang til online læge på rejse
Med Lægehotline kan du hurtigt booke en tid og blive tilset online. Du vil tale med en erfaren, dansktalende speciallæge i almen medicin.
Compensation for lost vacation days
Covers lost vacation days if hospitalized, recalled home to Denmark, or must remain in holiday accommodation due to medical diagnosis
SourceSection: Derfor skal du vælge en rejseforsikring fra FDM Forsikringer > Kompensation ved ødelagt ferie
Du får erstattet dine ødelagte feriedage, hvis du fx bliver indlagt, kaldt hjem til Danmark eller hvis lægens diagnose viser, at du må opholde dig i din feriebolig.
Free travel vaccine on Årsrejse Super
Customers who choose the Årsrejse Super tier get access to one free travel vaccine when traveling to a country requiring special vaccines; this offer does not apply to a person covered under the optional 'Extra travel companion' add-on.
SourcePage 2Section: Rejsevaccine forebygger skader
Når du har valgt Årsrejse Super har du adgang til én gratis rejsevaccine, når du skal rejse til et land, der kræver særlige vacciner. […] Tilbuddet gælder dog ikke den person, der er omfattet under tilvalgsdækningen Ekstra rejseledsager.
Acute condition requirement
Coverage applies only to acute illness or injury occurring unexpectedly during travel, not pre-existing conditions
SourceOptional deductible selection
Insured can select deductible level applicable to each insurance claim
SourceDirect assistance on location vs. reimbursement
Provider offers on-location assistance and direct claims resolution where possible; partial direct compensation may be issued immediately based on individual need
SourceSources
- rejsforsikret.dkhttp://rejsforsikret.dk/wp-content/uploads/2023/08/FDM-betingelser.pdf#page=3(opens in a new tab)
- cdn.sanity.iohttps://cdn.sanity.io/files/cgnmnbqj/fdm-prd/9682a8ac224b1ee31fcedbf060cd17731b7d95f1.pdf?dl#page=10(opens in a new tab)
- cdn.sanity.iohttps://cdn.sanity.io/files/cgnmnbqj/fdm-prd/9682a8ac224b1ee31fcedbf060cd17731b7d95f1.pdf?dl#page=11(opens in a new tab)
- cdn.sanity.iohttps://cdn.sanity.io/files/cgnmnbqj/fdm-prd/9682a8ac224b1ee31fcedbf060cd17731b7d95f1.pdf?dl#page=3(opens in a new tab)
- cdn.sanity.iohttps://cdn.sanity.io/files/cgnmnbqj/fdm-prd/9682a8ac224b1ee31fcedbf060cd17731b7d95f1.pdf?dl#page=6(opens in a new tab)
- cdn.sanity.iohttps://cdn.sanity.io/files/cgnmnbqj/fdm-prd/9682a8ac224b1ee31fcedbf060cd17731b7d95f1.pdf?dl#page=8(opens in a new tab)
- fdm.dkhttps://fdm.dk/forsikringer/rejseforsikring(opens in a new tab)
- fdm.dkhttps://fdm.dk/sites/default/files/inline-files/%C3%A5rsrejseforsikring_betingelser_marts_2021.pdf(opens in a new tab)Source no longer reachable
FDM Forsikring Travel insurance