Gouda Travel Insurance, Danish branch of Gjensidige Forsikring ASA, Norway
Gouda
Gouda is a travel insurance for the Denmark market with online purchase and 24/7 assistance.
Direct payment
The first premium must be paid when the insurance takes effect; payment can be made by credit card, giro card or bank transfer.
Geographic scope
Selectable geographic coverage area: EU/EEA, Extended Europe, World excluding USA, or World including USA
Coverage takes effect when the insured leaves their home or place of stay in Denmark to begin the trip and ends upon return home; the insurance does not cover in Denmark unless otherwise stated on the policy.
Unique selling points
- One of Denmark's largest travel insurers, providing specialized travel cover since 1994.
- 24/7/365 in-house Gouda Alarm emergency call center available worldwide for claims and assistance.
- Super tier offers unlimited sums insured for illness, hospitalization, home transport and several personal-safety benefits, well above typical market caps.
- Flexible single-trip cover selectable for 1 to 720 days (up to 24 months) across four geographic zones.
Coverage limits
Illness/injury treatment and hospitalization
DKK 1,000,000
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 medical treatment abroad
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.
Hospitalization
DKK 1,000,000
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.
Physiotherapy / outpatient treatment
DKK 8,000 – DKK 15,000
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.
Emergency dental treatment
DKK 2,500 – DKK 3,000
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.
Local medical transport (taxi/ambulance)
DKK 500 – DKK 1,000
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.
Evacuation
DKK 50,000
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).
Home transport / repatriation
unlimited
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.
Search and rescue
DKK 75,000 – DKK 100,000
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 treatment / quarantine
Conditional
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.
Chronic/pre-existing conditions
Conditional
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.
Ski/winter sports add-on (Skitillæg)
Optional
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.
Adventure/extreme sports cover
No limit stated
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.
Pregnancy / childbirth complications
DKK 1,000,000
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.
Personal liability
DKK 5,000,000 – DKK 10,000,000
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.
Legal assistance abroad
DKK 75,000 – DKK 100,000
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).
24-hour medical helpline and alarm center
Covered
Travelers have access to Gouda's Danish 24-hour medical helpline for advice on treatment, medicine and finding local doctors/dentists, plus the Gouda Alarm claims center which is staffed 24 hours a day, 365 days a year, worldwide.
Key conditions
Assistance call deadline
You must contact Gouda Alarm as soon as possible in the event of hospitalization or when search/rescue assistance is needed; arrangements made by you without Gouda's involvement are not covered.
Unauthorized treatment
If you refuse to be repatriated once Gouda's doctor has decided repatriation is necessary, or continue treatment when Gouda's doctor has decided it can wait until your return to Denmark, those further costs are not covered.
Purchase while abroad
The travel insurance must be purchased and paid for before you leave Denmark; it cannot be taken out once you are already abroad.
Chronic conditions
Special rules apply to chronic/pre-existing illnesses; travelers are advised to seek Gouda's prior approval (forhåndstilsagn) for such conditions before departure.
Pregnancy
Childbirth and treatment of an unborn or premature baby is covered under the mother's illness cover up to 4 weeks before the expected due date; provoked abortion is not covered.
Pre-existing condition exclusions
Pre-existing/chronic conditions are excluded if hospitalization, non-routine assessment/treatment, or medication changes occurred within 2 months before departure (6 months for trips longer than 1 month), or if checkups were missed or treatment declined.
Coverage duration limit
The single trip policy can be arranged for a maximum period of 24 months (up to 720 days) from the first day of departure from Denmark; longer stays require contacting Gouda directly.
Where to buy
Policy specifics
Medical treatment coverage
Coverage for illness and injury treatment expenses abroad, with Super coverage up to DKK 1,000,000 and Standard coverage for lower amounts
SourceBaggage delay coverage
Coverage for expenses related to delayed baggage; Super coverage provides up to DKK 5,000 (only for departures from Denmark), Standard provides lower amounts
SourcePersonal belongings coverage
Optional add-on coverage for loss of checked baggage, theft, and damage to personal belongings while traveling
SourceExtended accident coverage
Optional add-on coverage for accidents resulting in permanent disability while abroad; recommended for those without existing accident insurance
SourceReturn transport/repatriation
Coverage for emergency return transport to Denmark in case of serious illness or injury requiring treatment at home
SourceResidency requirement
A prerequisite for coverage is that the insured person resides in Denmark and is entitled to benefits under Danish health legislation
SourceSource no longer reachableEU health card requirement for EU/EEA coverage
For coverage in EU/EEA regions, the blue EU health insurance card must be carried; if not available, minimum coverage must be Extended Europe
SourceSource no longer reachableChronic/pre-existing illness conditions
Special rules apply for persons with chronic or pre-existing illnesses; these conditions must be disclosed and special terms may apply
SourceSource no longer reachableDeductible/self-risk
Standard deductible of DKK 1,000 applies to the Single Trip Insurance; customers can select different coverage tiers which may have different self-risk levels
SourceAge restrictions for standard coverage
Standard Single Trip Insurance is available for ages 35-69; separate Senior coverage (70+) is available with potential restrictions on optional add-ons
SourceTrip duration limits
Single Trip Insurance can be purchased for trips ranging from 1-720 days (up to 24 months); pricing is based on age, destination, and duration
SourceGeographic coverage areas
Customers can choose between four geographic coverage areas: EU/EEA, Extended Europe, World excluding USA, and World including USA
Source