If Travel insurance (Aarsrejseforsikring)

Reasonable and necessary costs for treatment by an authorised doctor, prescribed medicine, hospital stay/treatment, physiotherapist/chiropractor (max 10,000 DKK), and food/lodging while awaiting travel home. No overall aggregate sum insured is stated; a 500 DKK deductible applies for outpatient treatment, acute dental treatment, or hospitalisation under 24 hours.

Covers treatment by an authorised doctor and prescribed medicine for acute illness or injury that occurs during the trip; no stated aggregate limit.

Covers doctor-ordered hospital stay and treatment following acute illness or injury; a 500 DKK deductible applies if hospitalised for less than 24 hours; no other stated aggregate cap.

Covers ambulant (outpatient) treatment where hospitalisation would otherwise be required, plus food/lodging while treated ambulantly; a 500 DKK deductible per claim applies.

Covers acute dental treatment needed immediately to limit the extent of an injury (e.g. pain relief), up to 10,000 DKK (not indexed); a 500 DKK deductible applies. Root canal, crowns or specialist treatment only covered if agreed with If in advance.

Covers reasonable and necessary costs for ambulance transport from the site of illness/accident to the treatment site, and transport to the nearest suitable treatment location, subject to If's approval; no stated aggregate cap.

Covers transport to Denmark by ordinary transport, ambulance or air ambulance when medically necessary following acute illness or injury, subject to If's approval; no stated aggregate cap.

Covers transport to Denmark in the event of death, including measures required by authorities; no stated aggregate cap.

Covers search within a 50 km radius of the last known location plus rescue, for up to 14 days, at up to 130,514 DKK (2024) per person, with an overall cap of 391,545 DKK (2024) per claim for all persons covered by the policy. Requires the person to have been missing for more than 24 hours and a police report.

Neither the terms and conditions nor the IPID make any specific mention of COVID-19 treatment coverage.

Acute worsening of an existing chronic condition is only covered if the condition has been in a stable, good phase for the 2 months before departure, with no hospital contact, treatment changes, referrals, or unfulfilled treatment during that period. Otherwise treatment of pre-existing/chronic illness is excluded and a medical pre-assessment is recommended before travel.

Injuries sustained during winter sports (e.g. skiing, snowboarding, sledding, skating) are excluded unless the optional Vintersport rider has been purchased and appears on the policy; when selected, the rider extends the individual covers under the policy to winter sports incidents.

Participation in 'dangerous sports' (e.g. boxing, karate, bungee jumping, paragliding, parasailing, hang-gliding, parachuting, jetski, kitesurfing, scuba diving, motor racing, triathlon) is excluded under Rejse and Rejse Plus, but is included as a base feature of the Rejse Super tier (not a paid add-on). Mountaineering, expeditions and professional sport remain excluded under all tiers.

Covers treatment related to pregnancy and childbirth resulting from acute illness or injury; also covers pregnancy/childbirth treatment not due to acute illness up to 1 month before the expected due date, and treatment of a premature baby born more than 1 month early.

Covers legal liability as a private person for damage to fixtures/parts of a rented holiday home, up to 3,000,000 DKK (not indexed) in total per claim — this is the maximum If's liability regardless of how many insured persons are held liable. This is not a general third-party/personal liability cover; damage caused by motor vehicles, animals, or work-related activities is excluded.

In a private legal dispute abroad, If provides security of up to 150,000 DKK (not indexed) per dispute to cover lawyer's fees, claims raised by local authorities, or bail to release the insured or their belongings if detained by local authorities. The security is treated as an interest-free loan that must be repaid to If as soon as the funds are released by the authorities. Excludes business, employment, contractual matters and criminal cases other than traffic offences.