First Travel insurance (Aarsrejseforsikring)

In Europe, medical costs for acute illness/injury are covered by the Danish public health insurance (EU health card); if World cover is chosen, the policy pays up to DKK 5,000,000.

Covers doctor treatment, medically ordered hospital stay, medically prescribed medicine, ambulance and taxi transport (max DKK 500) to/from treatment. In Europe this is covered under the public health insurance; in World cover it falls under the DKK 5,000,000 Sygdom limit.

Medically ordered hospital stay at normal rates is covered within the Sygdom (illness) benefit; extra costs such as phone calls, transport and reading material up to DKK 500 are covered if admission lasts at least 24 hours.

Physiotherapy or chiropractic treatment is covered up to DKK 10,000 per person per trip, in both Europe and World cover.

Acute dental treatment is covered up to DKK 10,000 per person per trip, the same amount for Europe and World cover.

Reasonable and necessary costs of transport home to Denmark due to acute illness, injury or death occurring on the trip, approved and arranged by SOS International. Europe cover: DKK 500,000 (death costs covered by public health insurance); World cover: DKK 1,000,000.

Reasonable extra costs for evacuation or return home from an area with imminent risk of war, war-like conditions, terrorism, natural disaster, revolt or civil unrest, provided evacuation is recommended by Danish authorities. Europe: DKK 100,000; World: DKK 200,000.

In case of death on the trip, costs are covered by the Danish public health insurance under Europe cover; under World cover, death-related transport falls within the DKK 1,000,000 Hjemtransport limit.

Necessary search and rescue costs up to DKK 100,000 per person per trip, subsidiary to assistance normally provided by local authorities; SOS International arranges the search and coordinates with authorities.

No specific COVID-19 provision is stated in the policy terms; it is not mentioned as either a distinct benefit or an exclusion.

Treatment needs known before the trip are excluded. For chronic/existing conditions, coverage is excluded if within the last two months before departure the condition led to hospitalization, changed medication, non-routine medical assessment, refusal of treatment, being on a waiting list, or missed check-ups. SOS International can give a binding pre-assessment on request, based on medical documentation submitted before the trip.

Claims arising from ski sports are not covered by the base policy unless Ski Travel Insurance is purchased as an add-on. The add-on covers a replacement trip (DKK 60,000 Europe / DKK 100,000 World) and ruined holiday days (DKK 50,000, both areas); Extended Ski Travel Insurance additionally covers piste closures, avalanche/snowslide delays and ski rental.

The policy excludes claims arising from expeditions, mountaineering, bungee jumping, parachuting, gliding, parasailing, paragliding, scuba/frogman diving, motor racing, cycle or horse racing, boxing, karate and other martial arts, other dangerous sports, and professional sport.

Acute illness/complications related to pregnancy are covered as ordinary acute illness, but childbirth or illness caused by pregnancy is excluded if the treatment time is less than one month before the expected delivery date; treatment of an unborn or premature baby is covered if within one month of the expected delivery date.

In addition to the home-contents insurance liability cover, liability for damage to rented holiday accommodation and contents therein is covered up to DKK 2,000,000, subject to a DKK 1,500 deductible. This is not a general personal liability cover for third-party injury/property claims outside the holiday accommodation.

Legal assistance itself is covered under the home-contents insurance; this travel policy additionally covers necessary travel expenses if your presence abroad is required, up to DKK 1,500 per day and DKK 15,000 in total (economy-class flights, accommodation and subsistence). Separately, bail/security in legal disputes abroad is covered up to DKK 100,000 per claim.