Himmerland Travel insurance (Annual Travel Insurance)
Underwritten by Himmerland Forsikring · Denmark
travel insurance from Himmerland for the Denmark market.
Last verified Sep 1, 2026Sources
Unique selling points
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.
Section: Ofte stillede spørgsmål
Hvis du eller din familie bliver ramt af akut sygdom under ferien, dækker rejseforsikringen nødvendige udgifter til lægebehandling, sygeledsagelse, hospitalsophold og hjemtransport.
Emergency medical treatment
Covered
No limit stated
Covers necessary expenses for medical treatment in case of acute illness or injury during the trip.
Section: De forskellige typer forsikringer > Grunddækning
Behandling af akut sygdom eller tilskadekomst på rejsen
Hospitalization
Covered
No limit stated
Covers necessary expenses for hospital stays if acutely ill or injured during the holiday.
Section: Ofte stillede spørgsmål
Hvis du eller din familie bliver ramt af akut sygdom under ferien, dækker rejseforsikringen nødvendige udgifter til lægebehandling, sygeledsagelse, hospitalsophold og hjemtransport.
Outpatient treatment
Covered
No limit stated
General medical treatment expenses (including outpatient care) are covered under the necessary medical treatment costs clause.
Section: De forskellige typer forsikringer > Grunddækning
Akutbehandling hos læge, fysioterapeut, kiropraktor eller tandlæge
Emergency dental treatment
Covered
No limit stated
Emergency dental treatment is included under acute treatment by doctor, physiotherapist, chiropractor or dentist; no sum is stated on the product page.
Section: De forskellige typer forsikringer > Grunddækning
Akutbehandling hos læge, fysioterapeut, kiropraktor eller tandlæge
Medical transport
Covered
No limit stated
Covers necessary expenses for transport home in case of illness or injury during the trip.
Section: De forskellige typer forsikringer > Grunddækning
Sygeledsagelse og sygetransport
Medical evacuation
Covered
No limit stated
Covers necessary expenses for repatriation/home transport when medically required due to illness or injury.
Section: Ofte stillede spørgsmål
Hvis du eller din familie bliver ramt af akut sygdom under ferien, dækker rejseforsikringen nødvendige udgifter til lægebehandling, sygeledsagelse, hospitalsophold og hjemtransport.
Search and rescue
Covered
No limit stated
Search and rescue is included in the annual travel insurance; no sum is stated on the product page.
Section: De forskellige typer forsikringer > Grunddækning
Eftersøgning og redning
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.
Section: Ofte stillede spørgsmål
Selvom du har en kronisk eller eksisterende sygdom, kan du stadig være dækket på din rejse. For at være sikker på dækningen skal du dog være rask nok til at rejse både, når du bestiller rejsen, og umiddelbart inden afrejse.
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.
Section: Årsrejseforsikring verden – pak kufferten med tryghed
Årsrejseforsikringen kan tilpasses med forskellige tillægsdækninger, som eksempelvis afbestillingsforsikring eller særskilt forsikring til skiferier, så den passer til netop dine behov og rejsevaner.
Pregnancy complications
Conditional
Treatment related to pregnancy and childbirth is covered up to four weeks before the expected due date; previous exclusions regarding pregnancy and childbirth have been removed to comply with equal-treatment rules.
Section: Ofte stillede spørgsmål > Hvordan dækker rejseforsikringen i forbindelse med graviditet og fødsel?
Rejseforsikringen dækker primært skadetilfælde som følge af akut sygdom eller tilskadekomst opstået på rejsen. Derudover er rejseforsikringen udvidet til at dække behandling i forbindelse med graviditet og fødsel i indtil fire uger før det forventede fødselstidspunkt.
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.
Section: Ofte stillede spørgsmål
Er du blevet syg eller kommet til skade under din ferierejse i udlandet, skal du anmelde din skade til SOS International her .
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
Treatment related to pregnancy and childbirth is covered up to four weeks before the expected due date; previous exclusions regarding pregnancy and childbirth have been removed to comply with equal-treatment rules.
SourceSection: Ofte stillede spørgsmål > Hvordan dækker rejseforsikringen i forbindelse med graviditet og fødsel?
Rejseforsikringen dækker primært skadetilfælde som følge af akut sygdom eller tilskadekomst opstået på rejsen. Derudover er rejseforsikringen udvidet til at dække behandling i forbindelse med graviditet og fødsel i indtil fire uger før det forventede fødselstidspunkt.
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.
Direct payment
Not specified in the available official sources.
Territorial scope
Covers trips worldwide, including domestic trips in Denmark, 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
SourceSection: De forskellige typer forsikringer > Tilvalgsdækninger
Det beløb, du mister, hvis du må aflyse en ferie, du allerede har betalt for. Det kan f.eks. være, hvis du eller din ledsager bliver forhindret i at rejse pga. akut sygdom eller dødsfald, graviditet, brand- eller vandskade i boligen, konkurs i virksomheden, reeksamen, eller hvis Udenrigsministeriet efter bestilling af rejsen fraråder indrejse til destinationen.
Ski trip day compensation (optional add-on)
Optional coverage for compensation of ruined skiing days if illness or injury occurs during ski holiday
SourceSection: De forskellige typer forsikringer > Tilvalgsdækninger
Ved at udvide din årsrejseforsikring kan du få dækket ødelagte rejsedøgn, hvis du bliver syg eller kommer til skade på skiferien.
Pre-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
SourceSection: Årsrejseforsikring verden – pak kufferten med tryghed > Medicinsk forhåndsvurdering – vær sikker på din dækning
Som hovedregel dækker den ikke sygdomme eller lidelser, der er opstået før afrejsen. Det gælder også ved kroniske eller eksisterende sygdomme, der inden for de sidste to måneder før afrejsen har medført hospitalsindlæggelse eller lægebehandling, som ikke er led i almindelige kontrolbesøg eller ændret medicinering.
No deductible
Travel insurance has no deductible (excess) on claims
SourceSection: Ofte stillede spørgsmål
Nej, der gælder ingen selvrisiko for rejseforsikringen hos Himmerland Forsikring.
Maximum trip duration: 60 days
Annual travel insurance covers trips worldwide up to 60 days duration per trip
SourceSection: De forskellige typer forsikringer > Grunddækning
Vores årsrejseforsikring dækker rejser i hele verden af op til 60 dages varighed – også inden for Danmarks grænser.
Baggage delay threshold: 5+ hours
Coverage for delayed baggage applies when baggage is delayed more than 5 hours
SourceSection: Ofte stillede spørgsmål
Vores rejseforsikring dækker, hvis din bagage bliver forsinket med mere end fem timer, og du derfor mangler nødvendige ting som tøj, toiletartikler eller medicin.
Sources
Himmerland Travel insurance