Insurance Company Himmerland G/S
Himmerland
Himmerland is a travel insurance for the Denmark market with no online purchase and limited assistance availability.
Direct payment
Not specified in the available official sources.
Geographic scope
Europe and the rest of the world, including Denmark
Covers trips worldwide, including domestic trips in Denmark, up to 60 days per trip
Unique selling points
- Best worldwide cover, including within Denmark, with a single annual policy rather than per-trip insurance.
- No deductible applies to claims under the travel insurance.
- Covers unlimited trips per year as long as no single trip exceeds 60 days.
- Shared-custody children are covered even when travelling without a member of the policyholder's household.
- Free medical pre-assessment service lets customers confirm cover for known illnesses before departure.
Coverage limits
Medical expenses
Covered
No limit stated
If you or your family suffer sudden illness during the holiday, the travel insurance covers necessary expenses for medical treatment, care during hospitalization, hospital stays and repatriation.
Emergency medical treatment
Covered
No limit stated
Covers necessary expenses for medical treatment in case of acute illness or injury during the trip.
Hospitalization
Covered
No limit stated
Covers necessary expenses for hospital stays if acutely ill or injured during the holiday.
Outpatient treatment
Covered
No limit stated
General medical treatment expenses (including outpatient care) are covered under the necessary medical treatment costs clause.
Medical transport
Covered
No limit stated
Covers necessary expenses for transport home in case of illness or injury during the trip.
Medical evacuation
Covered
No limit stated
Covers necessary expenses for repatriation/home transport when medically required due to illness or injury.
COVID-19 treatment
Conditional
Since the Ministry of Foreign Affairs travel advisories normalized on 15 October 2021, the travel insurance covers as normal, though country-specific travel advisories can still affect cover for a given destination.
Pre-existing conditions
Conditional
Even with a chronic or existing illness you can still be covered on the trip, provided you are fit enough to travel both when booking and immediately before departure.
Winter sports cover
Optional
The annual travel insurance can be adapted with additional coverages such as cancellation insurance or a separate insurance for ski holidays.
Personal liability
Covered
No limit stated
The (contents) insurance also contains a liability cover, which pays if you accidentally cause damage to other people or their belongings while on holiday.
24/7 assistance
Covered
No limit stated
If you become ill or injured during your holiday abroad, you must report the claim to SOS International.
Key conditions
Assistance call deadline
If you become ill or injured while abroad, you must report the claim to SOS International; the sources do not state a specific reporting deadline.
Unauthorized treatment
If you fall ill shortly before departure and travel anyway, the insurance will generally not cover medical treatment or medicine on the trip unless a medical pre-assessment has been obtained.
Purchase while abroad
The insurance must be taken out before booking the trip if you want to be certain of cover.
Chronic conditions
You can still be covered while traveling with a chronic illness, but you must be fit enough to travel both when booking the trip and immediately before departure.
Pregnancy
Not specifically addressed in the available official sources.
Pre-existing condition exclusions
For known pre-existing conditions, a medical pre-assessment can be requested online via Mit Himmerland or via a PDF form at least 3 weeks before departure; any approval only applies to that specific trip and requires the condition to remain unchanged until departure.
Coverage duration limit
The annual travel insurance covers trips worldwide, including within Denmark, of up to 60 days per trip.
Policy specifics
Trip cancellation insurance (optional add-on)
Optional coverage for pre-paid travel expenses if unable to travel due to illness or death
SourceSki trip day compensation (optional add-on)
Optional coverage for compensation of ruined skiing days if illness or injury occurs during ski holiday
SourcePre-existing medical conditions exclusion
Coverage does not apply to illnesses or injuries that existed before the trip or were subject to hospital treatment/medical evaluation in past 2 months
SourceMaximum trip duration: 60 days
Annual travel insurance covers trips worldwide up to 60 days duration per trip
SourceBaggage delay threshold: 5+ hours
Coverage for delayed baggage applies when baggage is delayed more than 5 hours
Source