Gouda Travel insurance (Enkeltrejseforsikring)

Covers reasonable and necessary costs of doctor treatment, medicine, and hospital stay following acute illness or injury during the trip. Super tier gives unlimited coverage; Standard tier is capped at DKK 1,000,000.

Emergency treatment of acute illness/injury is covered under the same sum as the Sygdom (illness) benefit: unlimited under Super, up to DKK 1,000,000 under Standard.

Hospital stay in a semi-private (two-bed) room and doctor-ordered treatment, including operations, is covered under the same illness sum: unlimited under Super, up to DKK 1,000,000 under Standard.

Doctor-ordered treatment by a registered physiotherapist, chiropractor or other non-medical practitioner is covered up to DKK 15,000 (Super) or DKK 8,000 (Standard), limited to a maximum of 15 (Super) or 8 (Standard) treatments.

Urgent and acute dental treatment following sudden toothache/injury is covered up to DKK 3,000 (Super) or DKK 2,500 (Standard), requiring regular dental checkups to have been maintained.

Taxi transport to and from the treatment location is covered up to DKK 1,000 (Super) or DKK 500 (Standard) per the schedule; ambulance transport from the scene to the treatment site is also covered without a separately stated cap, subject to Gouda's approval for air ambulance.

Covers transport, hotel, food, clothing and local transport for evacuation to the nearest safe destination or Denmark when authorities recommend evacuation (war, terror, natural disaster, epidemic). Transport costs are DKK 50,000 under both tiers; additional expenses are capped at DKK 15,000 (Super) or DKK 10,000 (Standard).

Emergency home transport to bopæl/hospital in Denmark, or repatriation of remains/funeral costs on death, is covered on an unlimited basis under both Super and Standard tiers.

Covers necessary search and/or rescue costs up to DKK 100,000 (Super) or DKK 75,000 (Standard), subject to an overall cap of DKK 300,000 per incident regardless of the number of policies, and a 10% deductible (minimum DKK 2,500).

COVID-19 illness is treated as an acute illness under the general Sygdom cover. In addition, if a traveler is placed in quarantine abroad by a public authority to limit spread of COVID-19/SARS-CoV-2, the Forsinket fremmøde (delayed departure/arrival) benefit applies for up to 14 days after the planned return date.

Treatment of chronic or pre-existing illnesses is excluded if, in the 2 months before departure (6 months for trips over 1 month), it led to hospitalization, non-routine assessment/treatment, or a change in medication, or if the traveler had not sought treatment, was on a waiting list, or missed scheduled checkups.

If skiing/snowboarding will be the purpose of more than 25% of the trip, the optional Skitillæg must be purchased; otherwise claims arising from skiing are excluded, and skiing injuries are always excluded under the Accident and Extended Accident benefits regardless of add-on.

The reviewed sources do not describe a distinct adventure/extreme sports benefit beyond the ski add-on and general exclusions for professional sport and scientific expeditions.

Childbirth and treatment of an unborn or premature baby (born up to 4 weeks before the expected due date) is covered under the mother's illness sum (unlimited Super / up to DKK 1,000,000 Standard), only until home transport can take place; provoked abortion is excluded.

Covers personal injury liability claims up to DKK 10,000,000 (Super) or DKK 5,000,000 (Standard); property damage liability is separately capped at DKK 5,000,000 (Super) or DKK 2,000,000 (Standard), with a DKK 1,000 deductible for damage to rented holiday accommodation/hotel and contents.

Covers reasonable legal assistance costs up to DKK 100,000 (Super) or DKK 75,000 (Standard), subject to a 10% deductible (min DKK 2,500) for civil disputes and a 20% deductible (min DKK 5,000) for criminal defense costs (capped at DKK 30,000).