Federation of Danish Motorists (FDM)

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.

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.

Hospital stays due to covered illness or injury during the trip are covered under Treatment Abroad; the coverage period is extended automatically if the return trip is delayed because the insured is hospitalized. Sum insured is in the policy agreement.

Covers treatment related to a covered illness or injury by a physiotherapist, chiropractor, osteopath or zone therapist. Sum insured is in the policy agreement.

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.

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.

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.

In the event of death, covers costs of urn or coffin transport, including legally required measures. Sum insured is in the policy agreement.

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.

Medical treatment for injuries sustained during any sport, including sports normally considered dangerous (e.g. skiing), is covered as standard. Compensation for ruined vacation days/replacement trip specifically due to a ski/snowboard injury during an 'active trip' requires the optional 'Ødelagt aktiv rejse' (ruined active trip) add-on, only in effect if stated in the policy agreement.

All forms of sport, including those normally considered dangerous sports, are covered for medical treatment as standard. Trip-disruption compensation for an 'active trip' (e.g. diving, trekking, cycling holidays) requires the optional 'Ødelagt aktiv rejse' add-on. Professional sport and polar expeditions are excluded entirely.

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.

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.

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; calls to and from Tryg Alarm are free. The Tryg Doctor Hotline app additionally offers video consultation with a Danish doctor while abroad.