Extracted from source documents

Forsia Travel insurance (Aarsrejseforsikring)

Underwritten by Forsia Forsikring · Denmark

travel insurance from Forsia for the Denmark market, with 24/7 assistance.

Last verified Sep 1, 2026Sources

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Key facts

Medical transport up to DKK 2,500,000
Personal liability up to DKK 10,000,000

Unique selling points

One annual policy covers an unlimited number of trips per year for the whole household, not just a single trip.

Unmarried children under 21 who have moved away from home remain covered under the family policy.

Combined medical treatment and medical/repatriation transport cover of up to DKK 2,500,000 per incident.

No upper limit on the cost of transporting a vehicle left behind abroad following a covered repatriation or evacuation.

24/7 emergency assistance line staffed by SOS International, covering everything from medical liaison to arranging interim compensation payments.

Coverage limits

Covered

Medical expenses

DKK 2.5M

Covers reasonable and necessary expenses abroad for up to 3 months for treatment by an authorised doctor, doctor-prescribed medicine, and hospital stays if the insured falls acutely ill or is injured on the trip. This is a combined maximum shared with medical/repatriation transport (point 19.2), not an additional separate sum.

Clause 19.1Page 9/21

Section: 19. Dækningsskema - Årsrejseforsikring > 19.1. Sygdom og tilskadekomst

Forsikringen dækker rimelige og nødvendige udgifter i udlandet i op til 3 md. til: 1. behandling hos en autoriseret læge og lægeordineret medicin.

Covered

Emergency medical treatment

DKK 2.5M

Covers acute illness and injury requiring medical treatment abroad; maximum cover is DKK 2,500,000 combined for illness/injury treatment and medical/repatriation transport (points 19.1 + 19.2 together).

Clause 19.1Page 9/21

Section: 19. Dækningsskema - Årsrejseforsikring > 19.1. Sygdom og tilskadekomst

Maks. dækning kr. 2,5 mio. i alt for pkt. 19.1 og 19.2.

Covered

Hospitalization

DKK 2.5M

Covers doctor-prescribed hospital stay and treatment abroad; part of the DKK 2,500,000 combined maximum shared with medical transport (points 19.1 + 19.2).

Clause 19.1Page 9/21

Section: 19. Dækningsskema - Årsrejseforsikring > 19.1. Sygdom og tilskadekomst

2. lægeordinerede ophold og behandling på hospital.

Covered

Outpatient treatment

DKK 2.5M

Covers treatment by an authorised doctor and doctor-prescribed medicine abroad, within the DKK 2,500,000 combined maximum for points 19.1 + 19.2.

Clause 19.1Page 9/21

Section: 19. Dækningsskema - Årsrejseforsikring > 19.1. Sygdom og tilskadekomst

1. behandling hos en autoriseret læge og lægeordineret medicin.

Covered

Emergency dental treatment

DKK 2.5K

Covers acute pain-relieving dental treatment abroad that cannot wait until return to Denmark, up to DKK 2,500 per insured person.

Clause 19.3Page 10/21

Section: 19. Dækningsskema - Årsrejseforsikring > 19.3. Fysioterapeut, kiropraktor og tandlæge

Erstatningen for akut tandbehandling kan højst være kr. 2.500 for hver forsikret person.

Covered

Medical/repatriation transport

DKK 2.5M

Covers ambulance transport, transport to the nearest suitable treatment location, and transport to Denmark, arranged with ETU Assistance/SOS International; part of the DKK 2,500,000 combined maximum for points 19.1 + 19.2.

Clause 19.2Page 9/21

Section: 19. Dækningsskema - Årsrejseforsikring > 19.2. Syge- og hjemtransport

Forsikringen dækker rimelige og nødvendige udgifter i udlandet til: 1. ambulancetransport fra sygdoms- eller ulykkesstedet til behandlingsstedet.

Covered

Medical evacuation

DKK 2.5M

Medically necessary evacuation/transport home is covered within the DKK 2,500,000 combined maximum for points 19.1 + 19.2. A separate, distinct evacuation benefit (point 19.11) covers government/local-authority ordered evacuation due to war, natural disaster, epidemic or terrorism, capped at DKK 100,000 per household (government-ordered) or DKK 60,000 per household (local-authority ordered) — this is not part of the medical evacuation sum.

Clause 19.11Page 13/21

Section: 19. Dækningsskema - Årsrejseforsikring > 19.11. Evakuering

Erstatningen ved evakuering, hvis det danske udenrigsministerium, Statens Seruminstitut eller lignende offentlig dansk myndighed opfordrer til evakuering under din rejse efter punkt 19.11.A.1, kan højst være kr. 100.000 for hele husstanden.

Covered

Repatriation of remains

DKK 2.5M

Covers transport to Denmark in the event of death abroad, within the DKK 2,500,000 combined maximum for points 19.1 + 19.2.

Clause 19.2Page 9/21

Section: 19. Dækningsskema - Årsrejseforsikring > 19.2. Syge- og hjemtransport

5. transport til Danmark ved død.

Excluded

Search and rescue

Excluded

Search and rescue is not among the benefits listed in the coverage schedule; the T&Cs state that damages or situations not explicitly listed are not covered.

Page 12/21

Section: 19. Dækningsskema - Årsrejseforsikring

I dækningsskemaet nedenfor står, hvilke skader forsikringen dækker, samt de undtagelser og begrænsninger, der gælder. Skader eller situationer, som ikke er nævnt, er derfor ikke dækket, f.eks. flyselskabers konkurs, strejker, lockout og lignende.

Covered

COVID-19 treatment

DKK 2.5M

Forsia does not have a separate COVID-19 benefit; COVID-19 is treated as an ordinary acute illness under the Årsrejseforsikring. Acute illness treatment together with medical/repatriation transport is covered up to a combined maximum of DKK 2,500,000 (points 19.1 + 19.2).

Clause 19.1Page 9/21

Section: 19. Dækningsskema - Årsrejseforsikring > 19.1. Sygdom og tilskadekomst

Maks. dækning kr. 2,5 mio. i alt for pkt. 19.1 og 19.2.

Conditional

Pre-existing conditions

Conditional

Chronic or existing conditions that are not stable are not covered by default. Coverage depends on obtaining a medical pre-approval (forhåndsgodkendelse) via SOS International before the trip, which can result in unconditional approval, approval with a clause/exclusion, or rejection.

Clause 6Page 4/21

Section: 6. Medicinsk forhåndsgodkendelse

Hvis du har en kronisk eller eksisterende sygdom, som ikke er stabil, eller hvis du har været syg eller er kommet til skade for nylig, er du som udgangspunkt ikke dækket for dette, da forsikringen tager forbehold for eksisterende sygdomme.

Optional · Skisport

Winter sports cover

Optional

Skiing/snowboarding-related treatment, transport, replacement holiday and related benefits are only covered if the optional 'Skisport' add-on has been purchased; otherwise injuries directly or indirectly caused by skiing/snowboarding are excluded from the main benefits.

Clause 19.1Page 9/21

Section: 19. Dækningsskema - Årsrejseforsikring > 19.1. Sygdom og tilskadekomst

1. hvis årsagen til behandling eller indlæggelse er en direkte eller indirekte følge af skisport*, medmindre du har købt tilvalgsdækningen 'Skisport'.

Excluded

Adventure/extreme sports cover

Excluded

The policy excludes damage that is a direct or indirect result of the insured's participation in professional sport, mountain climbing, expeditions, or parachute jumping.

Clause 7Page 5/21

Section: 7. Hvad dækker forsikringen ikke > D. Forsikredes deltagelse i forskellige aktiviteter

6. forsikredes deltagelse eller træning i: 6.1 professionel sport, dvs., hvor sporten er forsikredes hovederhverv. 6.2 bjergbestigning*. 6.3 ekspeditioner*. 6.4 faldskærmsudspring.

Covered

Pregnancy complications

DKK 2.5M

There is no dedicated pregnancy exclusion clause; acute illness/injury cover under point 19.1 (part of the DKK 2,500,000 combined cap) applies, and the policy additionally names a specific benefit for treatment of a premature baby born more than 4 weeks before term.

Clause 19.1Page 9/21

Section: 19. Dækningsskema - Årsrejseforsikring > 19.1. Sygdom og tilskadekomst

3. behandling af et for tidligt født barn, hvis barnet er født mere end 4 uger før forventet termin.

Conditional

Personal liability abroad

DKK 10M

Covers claims against the insured for personal injury (up to DKK 10,000,000) and property damage (up to DKK 5,000,000) occurring abroad, capped at DKK 10,000,000 combined. This benefit (point 19.20) is disapplied if the policyholder has an in-force contents insurance ('indboforsikring') with the insurer at the time of the claim — which is otherwise a mandatory precondition of holding this travel policy — except that the DKK 3,000 contents-insurance-excess benefit under 19.18.A.c still applies.

Clause 19.20Page 16/21

Section: 19. Dækningsskema - Årsrejseforsikring > 19.20 Ansvar

Personskader optil kr. 10.000.000. Tingskader op til kr. 5.000.000. Der dækkes maksimalt i alt for person-og tingskader kr. 10.000.000.

Conditional

Legal assistance

DKK 100K

Covers reasonable legal-assistance costs for disputes arising on the trip and criminal cases abroad (with sub-limits and excesses), up to DKK 100,000. This benefit (point 19.19) is disapplied if the policyholder has an in-force contents insurance with the insurer at the time of the claim, which is otherwise a mandatory precondition of holding this travel policy.

Clause 19.19Page 15/21

Section: 19. Dækningsskema - Årsrejseforsikring > 19.19 Retshjælp

Forsikringssum er kr. 100.000

Covered

24/7 assistance

Covered

SOS International operates a 24-hour assistance centre that can be contacted for help while abroad, including liaison with local doctors/hospitals, booking emergency transport, and arranging interim compensation payments; calls to/from the assistance centre in connection with a covered incident are covered by the policy.

Page 1/21

Section: Et par ord om Årsrejseforsikringen > G. ETU Assistance på rejsen

Hvis du har brug for hjælp på ferierejsen, kan du kontakte vores døgnåbne assistancecentral hos SOS International A/S på telefon 0045 3848 8770, som er vores samarbejdspartner.

Key conditions

Assistance call deadline

A claim must be reported to SOS International as soon as possible; for acute help abroad, the 24-hour helpline (+45 38 48 92 92) is available, and the insured must follow the instructions given by SOS International.

Unauthorized treatment

Costs are not covered for continued foreign treatment/hospitalization if the assessing doctor and the treating doctor agree the insured could safely be transported home but the insured refuses, or if the insured does not follow the instructions of the assessing/treating doctor.

Purchase while abroad

The annual travel insurance must be purchased before departure from Denmark; it cannot be taken out once already travelling.

Chronic conditions

Chronic or unstable existing conditions are only covered if a medical pre-approval is obtained via SOS International's online tool before departure (or before booking, for the cancellation cover); this can lead to unconditional approval, approval with a clause, or rejection.

Pregnancy

The T&Cs do not contain a specific pregnancy exclusion; ordinary acute-illness cover under point 19.1 applies, and treatment of a premature baby born more than 4 weeks before term is specifically named as covered.

Pre-existing condition exclusions

As a rule, chronic/existing conditions that are not in a stable phase (defined as no hospitalisation, medication change, extra doctor visits, referral, deterioration, missed check-up, stopped/refused treatment, or known treatment need in the last 2 months) are not covered unless a medical pre-approval has been obtained.

Coverage duration limit

Standard cover applies for trips up to 30 days; extension to 60 days is available as an add-on only for the Årsrejse Verden (worldwide) tier. The annual policy itself covers an unlimited number of trips per year for the whole household.

Direct payment

ETU Assistance/SOS International can provide an advance/interim compensation payment if the insured has an acute need for financial help following a covered incident abroad; claims and emergency assistance are administered by SOS International, reachable 24/7 on +45 38 48 92 92.

Territorial scope

Årsrejse Europa covers a defined list of European countries including Albania, Andorra, the Azores, Belgium, Bosnia-Herzegovina, Bulgaria, Cyprus, the Canary Islands, Estonia, Finland, France, the Faroe Islands, Gibraltar, Greece, Greenland, the Netherlands, Ireland, Iceland, Isle of Man, Italy, the Channel Islands, Kosovo, Croatia, Latvia, Liechtenstein, Lithuania, Luxembourg, North Macedonia, Malta, Madeira, Moldova, Monaco, Montenegro, Norway, Poland, Portugal, Romania, San Marino, Switzerland, Serbia, Slovakia, Slovenia, Spain, the United Kingdom, Sweden, the Czech Republic, all of Turkey, Germany, Hungary, the Vatican and Austria; Årsrejse Verden extends cover worldwide. Trips within Denmark are not covered by the base travel policy (only ruined-holiday-day compensation applies).

Documents

Travel insurance terms and conditions (REJ-02) (opens in a new tab)

Terms & conditions · PDF

Policy specifics

Trip cancellation (optional add-on)

Optional add-on coverage for trip cancellation before departure

SourceClause 4Page 3/21

Section: 4. Tilvalgsdækninger (skal fremgå af policen) > A. Afbestillingsforsikring

Du skal være opmærksom på, at Afbestillingsforsikringen dækker i perioden, inden du rejser - dette i modsætning til Årsrejseforsikringen, der dækker, mens du er på rejse.

Baggage delay

Reimbursement for necessary clothing and toiletries if checked baggage is delayed more than 5 hours

Source

Section: Rejse > Om din rejseforsikring

Hvis din bagage er forsinket i mere end 5 timer i forhold til din ankomst til rejsemålet, dækker rejseforsikringen. Forsikringen dækker udgifter til køb af almindeligt tøj og toiletsager, som du har behov for pga. forsinkelse af din bagage.

Repatriation and medical transport

Coverage for emergency transport home or medical evacuation if required

Source

Section: Rejseforsikring > Få tryghed på din udlandsrejse med en god rejseforsikring > Hvad dækker vores rejseforsikring?

Rejseforsikringen omfatter f.eks. dækning ved sygdom, tilskadekomst, hjemtransport, erstatningsferie, ødelagte rejsedøgn, tilkaldelse, sygeledsagelse, hjemkaldelse, forsinket fremmøde/udrejse/hjemkomst, skade på feriebolig, overfaldsdækning, evakueringsdækning samt selvrisiko på kaskoforsikrede udlejningskøretøjer.

Replacement holiday/ruined holiday days compensation

Compensation for unused holiday days due to covered illness or injury

Source

Section: Rejseforsikring > Få tryghed på din udlandsrejse med en god rejseforsikring > Hvad dækker vores rejseforsikring?

Rejseforsikringen omfatter f.eks. dækning ved sygdom, tilskadekomst, hjemtransport, erstatningsferie, ødelagte rejsedøgn, tilkaldelse, sygeledsagelse, hjemkaldelse, forsinket fremmøde/udrejse/hjemkomst, skade på feriebolig, overfaldsdækning, evakueringsdækning samt selvrisiko på kaskoforsikrede udlejningskøretøjer.

Holiday home/accommodation damage

Coverage for damage to rented holiday accommodation

Source

Section: Rejseforsikring > Få tryghed på din udlandsrejse med en god rejseforsikring > Hvad dækker vores rejseforsikring?

Rejseforsikringen omfatter f.eks. dækning ved sygdom, tilskadekomst, hjemtransport, erstatningsferie, ødelagte rejsedøgn, tilkaldelse, sygeledsagelse, hjemkaldelse, forsinket fremmøde/udrejse/hjemkomst, skade på feriebolig, overfaldsdækning, evakueringsdækning samt selvrisiko på kaskoforsikrede udlejningskøretøjer.

Delayed arrival/departure

Coverage if transport delays prevent arrival or departure on scheduled dates

Source

Section: Rejseforsikring > Få tryghed på din udlandsrejse med en god rejseforsikring > Hvad dækker vores rejseforsikring?

Rejseforsikringen omfatter f.eks. dækning ved sygdom, tilskadekomst, hjemtransport, erstatningsferie, ødelagte rejsedøgn, tilkaldelse, sygeledsagelse, hjemkaldelse, forsinket fremmøde/udrejse/hjemkomst, skade på feriebolig, overfaldsdækning, evakueringsdækning samt selvrisiko på kaskoforsikrede udlejningskøretøjer.

Assault and robbery coverage

Coverage for injuries and losses sustained as victim of assault or robbery

Source

Section: Rejseforsikring > Få tryghed på din udlandsrejse med en god rejseforsikring > Hvad dækker vores rejseforsikring?

Rejseforsikringen omfatter f.eks. dækning ved sygdom, tilskadekomst, hjemtransport, erstatningsferie, ødelagte rejsedøgn, tilkaldelse, sygeledsagelse, hjemkaldelse, forsinket fremmøde/udrejse/hjemkomst, skade på feriebolig, overfaldsdækning, evakueringsdækning samt selvrisiko på kaskoforsikrede udlejningskøretøjer.

Rental car excess/deductible coverage

Coverage for self-insured retention on rented vehicle damage in certain countries

Source

Section: Rejseforsikring > Få tryghed på din udlandsrejse med en god rejseforsikring > Hvad dækker vores rejseforsikring?

Rejseforsikringen omfatter f.eks. dækning ved sygdom, tilskadekomst, hjemtransport, erstatningsferie, ødelagte rejsedøgn, tilkaldelse, sygeledsagelse, hjemkaldelse, forsinket fremmøde/udrejse/hjemkomst, skade på feriebolig, overfaldsdækning, evakueringsdækning samt selvrisiko på kaskoforsikrede udlejningskøretøjer.

Home contents insurance requirement

Travel insurance requires active home contents insurance policy with Forsia

Source

Section: Rejseforsikring > Få tryghed på din udlandsrejse med en god rejseforsikring

For at kunne tegne en rejseforsikring, skal du have en indboforsikring hos os.

Geographic coverage selection

Policyholder must select coverage area: EU countries or World

Source

Section: Rejseforsikring > Få tryghed på din udlandsrejse med en god rejseforsikring

Du vælger selv, hvilket område rejseforsikringen skal dække: Lande i EU (inkl. Norge, Island, Storbritannien, Lichtenstein, Schweiz og Tyrkiet) Hele verden

Trip duration limits

Standard coverage up to 30 days per trip; can be extended to 60 days

Source

Section: Rejseforsikring > Få tryghed på din udlandsrejse med en god rejseforsikring

Dækning op til 30 dage Mulighed for at udvide rejseperioden med op til 60 dage.

SOS International claims administration

All claims and emergency assistance handled by SOS International, not Forsia directly

Source

Section: Rejse > Om din rejseforsikring

Vil du anmelde en skade på din rejseforsikring, skal du gøre det direkte til SOS International her eller ringe på tlf. +45 38 48 92 92.

Pre-travel medical clearance

Medical pre-approval required before departure if chronic or existing conditions present or recent treatment

Source

Section: Rejse > Medicinsk forhåndsvurdering

Hvis du har en kronisk eller eksisterende sygdom og har fået ny eller akut behandling inden for to måneder før din afrejse.

Domestic Denmark exclusion

Travel insurance does not cover trips within Denmark

Source

Section: Rejseforsikring > Få tryghed på din udlandsrejse med en god rejseforsikring

OBS: Rejseforsikringen dækker ikke rejser i Danmark.

Sources

Forsia Travel insurance

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