Extracted from source documents

Gjensidige Travel insurance (Rejseforsikring 380 01)

Underwritten by Gjensidige Forsikring · Denmark

travel insurance from Gjensidige for the Denmark market, with online purchase and 24/7 assistance.

Verified Sep 1, 2026 · Terms dated 2025-07-01Sources

Online purchase24/7 helpline

Unique selling points

Rental car damage deductible is covered up to 15,000 DKK if the rented car is damaged.

24/7 access to Danish-speaking doctors, nurses and crisis psychologists via the Travel Assistance line.

Direct on-site claims assistance during the trip rather than a reimbursement-only model after returning home.

A free medical pre-assessment is offered before departure for travellers with chronic or recently diagnosed conditions to clarify coverage.

The whole household is covered under one policy, including non-resident children under 21 living alone and up to two accompanying children under 18.

Coverage limits

Covered

Medical expenses

Covered

Covers doctor-ordered medicine, treatment and hospital stay, physiotherapy/chiropractic and dental treatment for acute illness or injury on the trip, up to the sum shown on the policy.

Clause 7.1.1Page 5

Section: 7. Sygdom og tilskadekomst > 7.1.1 Behandling

Lægeordineret medicin, behandling og ophold på hospital. Fysioterapi, kiropraktor eller lignende behandling. Behandling hos tandlæge op til den forsikringssum som fremgår af din police.

Covered

Emergency medical treatment

Covered

Acute and necessary treatment of illness or injury arising unexpectedly on the trip, including psychological crisis help on-site, up to the policy sum.

Clause 7.1Page 5

Section: 7. Sygdom og tilskadekomst > 7.1 Hvad dækkes

Akut sygdom og tilskadekomst som indtræffer og må behandles på rejsen.

Covered

Hospitalization

Covered

Hospital admission and stay for acute illness or injury is covered, including hotel/food/local transport after discharge until return travel is possible, up to the policy sum.

Clause 7.1.2Page 5

Section: 7. Sygdom og tilskadekomst > 7.1.2 Transport og ophold

Hotelophold, forplejning og lokaltransport. Efter endt hospitalsindlæggelse og indtil hjemrejse eller hjemtransport kan finde sted.

Covered

Outpatient treatment

Covered

If treatment that would otherwise require hospitalization can instead be carried out on an outpatient basis, related costs are covered up to the policy sum.

Clause 7.1.2Page 5

Section: 7. Sygdom og tilskadekomst > 7.1.2 Transport og ophold

Hvis behandling der ellers ville kræve hospitalsindlæggelse, kan foregå ambulant.

Covered

Emergency dental treatment

Covered

Treatment by a dentist for acute dental problems on the trip is covered up to the sum shown on the policy.

Clause 7.1.1Page 5

Section: 7. Sygdom og tilskadekomst > 7.1.1 Behandling

Behandling hos tandlæge op til den forsikringssum som fremgår af din police.

Covered

Medical transport

Covered

Ambulance/medical transport to and from the place of treatment is covered as a necessary extra expense.

Clause 7.1.2Page 5

Section: 7. Sygdom og tilskadekomst > 7.1.2 Transport og ophold

Ambulance-/sygetransport til og fra behandlingssted.

Covered

Medical repatriation

Covered

If necessary for medical reasons due to acute illness, injury or death, reasonable and necessary costs of repatriation from abroad to home/hospital in Denmark are covered; Gjensidige decides on any repatriation, including when and how.

Clause 7.1.3Page 5

Section: 7. Sygdom og tilskadekomst > 7.1.3 Hjemtransport

I forbindelse med en dækket skade når det er nødvendigt af medicinske årsager ved akut sygdom, tilskadekomst eller død dækkes rimelige og nødvendige udgifter til. Hjemtransport fra udlandet til bopæl/hospital i Danmark.

Covered

Repatriation of remains

Covered

In case of death, statutory repatriation measures are covered, or alternatively cremation/burial on-site at the request of relatives.

Clause 7.1.3Page 5

Section: 7. Sygdom og tilskadekomst > 7.1.3 Hjemtransport

Ved dødsfald – lovbefalede foranstaltninger. Alternativt dækkes udgifter til kremering og/eller begravelse på stedet efter de pårørendes ønske.

Covered

Search and rescue

Covered

Search and rescue of the insured if reported missing is covered for reasonable and necessary costs, limited to the sum shown on the policy. Excludes search/rescue by bodies that normally work voluntarily/unpaid, and kidnapping/hijacking.

Clause 15.1Page 8

Section: 15. Eftersøgning og redning > 15.1 Hvad dækkes

Eftersøgning og redning af dig, hvis du er meldt savnet, erstattes med rimelige og nødvendige udgifter op til den forsikringssum som fremgår af din police.

COVID-19 treatment

No limit stated

No specific COVID-19 provision is stated in the T&C or IPID; COVID-19 would fall under the general acute-illness medical expenses cover, but no dedicated clause was found.

Conditional

Pre-existing conditions

Conditional

Acute and necessary treatment of a chronic condition is covered if the need for treatment could not be foreseen before departure. Cover is excluded if, within the last 2 months before departure, the condition led to hospitalization, non-routine doctor visits, or changed medication. A free pre-travel medical assessment can confirm coverage.

Clause 7.2Page 6

Section: 7. Sygdom og tilskadekomst > 7.2 Forsikringen dækker ikke

Kroniskelidelser: Som inden for de sidste 2 måneder forud for afrejsen har medført hospitalsindlæggelse, behandling hos læge udover almindelige kontrolbesøg eller ændret medicinering.

Covered

Winter sports cover

Covered

Acute illness or injury requiring treatment while on an active/ski holiday is covered under both Europe and Worldwide options; compensation for a ruined active holiday (e.g. unable to continue skiing) requires the separate 'Ruined active holiday' add-on under the current terms.

Section: Skal du ud og være aktiv? > Ødelagt aktiv ferie

Ja, med en rejseforsikring hos os, er du også dækket, hvis du bliver akut syg eller kommer til skade og har brug for behandling på en aktive ferie som fx skiferie eller sportsferie. Men hvis du fx ikke kan stå på ski resten af ferien og vil have erstatning for din ødelagte ferie, afhænger det af, om du er overgået til vores nye betingelser.

Excluded

Adventure/extreme sports cover

Excluded

The policy does not cover costs arising from participation in expeditions to unexplored/unknown areas, professional sports, mountaineering (climbing with mountaineering equipment, or any activity above 4,000 metres), or motor racing (excluding closed-track go-karting).

Clause 4Page 4

Section: 4. Forsikringen dækker ikke

d. Deltagelse i ekspeditioner. Ved ekspeditioner mener vi rejser til uudforsket/ukendt område fx regnskove og polarområderne. e. Professionel sportsudøvelse. f. Deltagelse i bjergbestigning.

Conditional

Pregnancy complications

Conditional

Birth and treatment of a premature baby is covered up to 1 month before the expected due date; general pregnancy complications on the trip are covered under the acute illness/medical expenses cover, up to the policy sum.

Clause 7.1Page 5

Section: 7. Sygdom og tilskadekomst > 7.1 Hvad dækkes

Fødsel og behandling af for tidligt født barn i indtil 1 måned før forventet fødselstidspunkt.

Optional

Personal liability

Optional

Personal liability cover is an optional component sold within the 'Rejse Indbo' add-on package, up to the sum per claim event shown on the policy; excludes damage to items owned/borrowed/rented/used by the insured (except furniture/fittings in holiday accommodation) and various other exclusions.

Clause 1.1Page 11

Section: Ansvar > 1. Hvad er ikke dækket

Skade på ting eller dyr, som du eller anden sikret ejer, låner, lejer, bruger eller har brugt, opbevarer, transporterer, bearbejder, behandler, har sat sig i besiddelse af eller af anden grund har i varetægt. Dog dækker vi skade på inventar og bygningsdele i ferieboliger.

Optional

Legal assistance

Optional

Legal assistance cover for certain private legal disputes arising abroad is an optional component sold within the 'Rejse Indbo' add-on, up to the sum per dispute shown on the policy, subject to the general Danish legal expenses insurance terms (Forsikring & Pension) with a stated exception for criminal cases.

Page 11

Section: Retshjælp

Retshjælpsdækningen dækker omkostninger i forbindelse med visse private retstvister opstået i udlandet.

Covered

24/7 assistance helpline

Covered

Danish-speaking doctors, nurses and crisis psychologists are available around the clock via the Travel Assistance line (+45 88 24 73 10) for urgent help with serious illness, injury, repatriation assessment or other major incidents.

Page 17

Section: Ved brug for øjeblikkelig hjælp

Hvis du har brug for øjeblikkelig hjælp ved alvorlig sygdom, alvorlig tilskadekomst, ved vurdering af hjemtransport og ved anden alvorlig/større skade, kan du, uanset tidspunktet og uanset ugedag, kontakte os på: Gjensidige Tlf 88247310.

Key conditions

Assistance call deadline

You must report a claim to Gjensidige as soon as possible; various extra expenses such as hotel and food must always be pre-approved by Gjensidige, and for urgent serious cases you should call Travel Assistance on +45 88 24 73 10 before incurring large medical expenses.

Unauthorized treatment

Costs or extra costs that result from the insured refusing or not following the instructions of the treating doctor or the company's own doctor, or refusing repatriation when it has been approved, are not covered.

Purchase while abroad

Cover under the main travel insurance takes effect when you leave your home or place of stay in Denmark to start the trip, meaning the policy must be in force before departure; the optional 'Rejse Indbo' cover instead takes effect once you have left Denmark.

Chronic conditions

Chronic conditions are covered for acute, unforeseeable treatment needs, but excluded if the condition led to hospitalization, non-routine doctor visits, or changed medication within the last 2 months before departure; a free pre-travel medical assessment can clarify coverage.

Pregnancy

Birth and treatment of a premature baby is covered up to 1 month before the expected due date; if pregnancy complications arise after the trip is booked and a doctor advises against travel, the optional cancellation cover can compensate for the cancelled trip.

Pre-existing condition exclusions

Acute and necessary treatment of a pre-existing/chronic condition is covered if the need could not be foreseen before departure, provided the condition has been stable for the last 2 months prior to departure; otherwise it is excluded.

Coverage duration limit

The standard policy covers the first 60 days of a private trip, and this can be extended to 90 days; for longer trips, an independent extension or Gouda Travel Insurance (part of the Gjensidige group) is referenced as an alternative.

Direct payment

Gjensidige provides direct on-site assistance and claims handling during the trip so claims can be fully or partly settled while still travelling; final claims settlement takes place after returning home.

Territorial scope

Europe cover includes the geographic Europe up to the Urals, the Faroe Islands, Greenland, the Azores, the Canary Islands and Madeira. Worldwide cover excludes expeditions to the Arctic, Antarctic, Himalayas and Greenland, and travel to war zones. Limited cover also applies within Denmark (crisis/psychology help, vehicle repatriation, recall, transport/baggage delay, replacement trip, holiday compensation, holiday accommodation cover).

Documents

Travel Insurance Terms and Conditions (380-01.01) (opens in a new tab)

Terms & conditions · PDF

Insurance Product Information Document - Travel Insurance (opens in a new tab)

Product information sheet · PDF

Policy specifics

Active holiday coverage

Optional coverage for lost active holiday days (ski, cycling, trekking, diving, sailing, sports resort) when unable to participate due to illness or injury

Source

Section: Skal du ud og være aktiv? > Ødelagt aktiv ferie

Aktiv ferie er hvis det primære formål med rejsen er ski, snowboard, cykel-, vandre/trekking- dykke-, sejler eller sportsferie på et sportsresort.

Trip cancellation

Coverage for trip costs if insured must cancel due to acute illness, serious injury, or death of insured or household member

SourceClause 16.1Page 8

Section: 16. Afbestilling > 16.1 Hvad dækkes

Forsikringen dækker, hvis du ikke kan påbegynde din rejse på grund af: Dødsfald, alvorlig tilskadekomst, akut nyopstået sygdom, eller lægelig begrundet mistanke om nyopstået sygdom, der rammer dig eller din familie.

Geographic coverage options

Policyholder can choose coverage for Europe only or Worldwide coverage with specific exclusions

SourceClause 2Page 4

Section: 2. Geografisk område

Forsikringen omfatter rejser i Europa eller Verden. Dækning ved rejser i Danmark er begrænset til følgende: ...

Security/crisis evacuation

Covers reasonable extra transport costs for evacuation recommended by the Danish Ministry of Foreign Affairs/embassy, or when Gjensidige assesses it is unsafe to remain in the area; detention after agreed evacuation covered up to 3 months.

SourceClause 8.1Page 6

Section: 8. Evakuering > 8.1 Hvad dækkes

Evakuering som er anbefalet af det danske udenrigsministerium, dansk ambassade eller lignende institution eller hvis vi vurderer det ikke er sikkert at opholde sig i området.

Pre-travel medical assessment

Optional assessment available for insured with chronic or pre-existing conditions to confirm coverage

Source

Section: Har du brug for en forhåndsvurdering?

Du kan frivilligt vælge at søge om forhåndsvurdering, hvis du inden for de sidste 2 måneder op til afrejse: har været indlagt er kroniker, og har været til læge uden for almindelig kontrol

Trip duration limit

Standard Gjensidge Travel Insurance covers trips up to 60 days

Source

Section: Ofte stillede spørgsmål

Rejseforsikringen dækker alle private rejser af op til 60 dages varighed.

Deductible (excess)

Deductible per claim is stated on the policy document

SourcePage 10

Section: Erstatningsregler > Selvrisiko

Selvrisiko fremgår af din police og gælder pr. skade.

Direct on-site assistance provision

Gjensidge provides direct assistance and damage services on-site rather than reimbursement-only model

SourcePage 10

Section: Erstatningsregler > Ved skade

Gjensidige yder assistance og skadeservice direkte på stedet. Det sikrer at du helt eller delvist kan få afgjort en skade under rejsen.

Household coverage

Single policy can cover entire household including dependent children and co-resident step-children

Source

Section: Ofte stillede spørgsmål

Op til 2 ekstra medrejsende børn under 18 år, fx venner af dine børn eller børnebørn, når de rejser uden deres egne forældre.

Sources

Gjensidige Travel insurance

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