Købstædernes Forsikring, mutual
Købstædernes Forsikring
Købstædernes Forsikring is a travel insurance for the Denmark market with online purchase and 24/7 assistance.
Direct payment
Claims are handled together with Falck Global Assistance; assistance and partial settlement can be provided directly on-site during the trip, with final settlement upon return to Denmark, and expenses must be approved by Købstædernes Forsikring to be covered.
Geographic scope
Europe or worldwide (policyholder selects the coverage area at purchase)
Excludes the North Pole, South Pole and Antarctica; excludes areas where the Danish Foreign Ministry, Statens Serum Institut or another public authority advises against travel; war zones are excluded except for the first 30 days if the conflict broke out after entry and the insured does not participate in it.
Unique selling points
- You always get at least 10% off when you calculate and buy your Årsrejseforsikring online.
- 24/7 access to a Danish-speaking doctor via the Falck Global Assistance alarm centre for on-the-spot assessment of local treatment.
- Founded in 1761, Købstædernes Forsikring markets itself as Denmark's oldest and largest customer-owned insurance company.
- One annual policy covers the whole household on unlimited trips year-round, which the insurer positions as cheaper than buying separate single-trip policies.
- Standard cover already bundles rental-car deductible protection, baggage delay compensation and emergency recall home due to acute family illness, without needing separate add-ons.
Coverage limits
Medical expenses
Covered
Covers reasonable and necessary costs for treatment by an authorised doctor and doctor-prescribed medicine following acute illness or injury during the trip; no overall cap is stated beyond the sub-limits for emergency dental treatment (10,000 DKK/person) and physiotherapy/chiropractor (10,000 DKK/person).
Emergency medical treatment
Covered
Treatment by an authorised doctor and doctor-prescribed medicine for acute illness or injury on the trip, including acute worsening of an existing condition if the insured was not ill within 2 months before departure or has obtained a medical pre-approval.
Hospitalization
Covered
Covers doctor-ordered stay and treatment on a hospital, plus extra hotel and food costs from discharge until homeward journey, home transport or resuming the planned route; no cap stated for the hospital treatment itself.
Outpatient treatment (physiotherapy/chiropractor)
DKK 10,000
Reasonable and necessary costs for physiotherapist and chiropractor treatment abroad, capped at 10,000 DKK per person.
Emergency dental treatment
DKK 10,000
Acute pain-relieving dental treatment by an authorised dentist, capped at 10,000 DKK per person.
Medical/sick transport
Covered
Reasonable and necessary costs for ambulance/sick transport to and from the treatment site, and transport to Denmark by normal transport, ambulance or air ambulance if medically required; no aggregate cap stated.
Evacuation and involuntary stay
DKK 96,000
Covers extra transport, lodging and food costs for up to 3 months (max 96,000 DKK in total) plus home transport to Denmark if evacuation is ordered/recommended due to natural disaster, war, civil unrest, terror or similar; loss/damage to baggage during evacuation is covered up to 30,000 DKK per person.
Repatriation of remains
Covered
Covers home transport in the event of death, including statutory arrangements; if relatives choose burial or cremation on-site instead, costs are covered up to the amount a home transport would have cost.
Search and rescue
DKK 100,000
Covers reasonable and necessary extra costs for search (within 50 km of the last known location) and rescue, up to 100,000 DKK per person, subject to an overall cap of 500,000 DKK; requires the insured to have been missing more than 24 hours and the case reported to local police.
COVID-19 / epidemic-related treatment
Excluded
The current terms exclude cover for treatment when entering a country or area with an epidemic that requires health-professional treatment, and for entry into areas the Danish Foreign Ministry or local authorities advise against or have evacuated.
Pre-existing/chronic conditions
Conditional
Chronic illnesses or pre-existing conditions require a medical pre-approval (valid only for the specific trip) before departure; without it, worsening of the condition and related check-ups, treatment or medication are excluded, and only KF's medical staff can determine the exact scope of cover.
Winter sports cover
Optional
Skiing/snowboarding is covered only if the 'Aktiv ferie' add-on is purchased before departure; injuries directly resulting from participation are covered, but extreme sports are excluded.
Adventure/active sports cover
Optional
The 'Aktiv ferie' add-on covers diving, cycling, hunting, sailing, riding and similar sports as the main purpose of the trip if purchased before departure; expeditions, mountaineering, big-game hunting, professional sport and extreme sports (e.g. base jumping, freediving, ultra-running) remain excluded.
Pregnancy complications / childbirth
Covered
Childbirth up to 4 weeks before the expected due date is covered under the illness and injury cover; separately, the optional Afbestilling (cancellation) cover pays out if a doctor assesses that pregnancy-related conditions make travelling irresponsible, provided the cause was not present when the trip was paid for.
Personal liability
No limit stated
Not found — personal liability cover is not part of Årsrejseforsikring; it is handled under the policyholder's separate home contents insurance (indboforsikring).
Security deposit, bail and legal assistance
DKK 250,000
Covers lawyer costs, claims raised by local authorities, and payment to secure release if the insured or their luggage is detained by local authorities, up to 250,000 DKK per legal dispute; the bail/security is an interest-free loan repayable once released.
24/7 assistance
Covered
24/7 access to the Falck Global Assistance alarm centre, including a Danish-speaking doctor who can assess local treatment and treatment sites.
Key conditions
Assistance call deadline
You must contact the alarm centre (Falck Global Assistance) or Købstædernes Forsikring as soon as possible when a claim occurs, and the expense must be approved by the insurer to be covered.
Unauthorized treatment
Treatment/stay is not covered if you do not follow the instructions of the treating doctor or KF's doctor, e.g. if you fail to travel home when advised to, or continue treatment when KF's doctor has assessed it can wait until you return to Denmark.
Purchase while abroad
It is a condition for cover under Årsrejse that the policy has taken effect and been paid before departure; travelling within the first 14 days after purchase forfeits the right of withdrawal for that trip.
Chronic conditions
If you have a chronic illness/pre-existing condition and have, within the last 2 months, been hospitalised, had treatment changes, referrals, or missed check-ups, a medical pre-approval is required before travelling; only KF's medical staff can determine the resulting scope of cover.
Pregnancy
Childbirth up to 4 weeks before the expected due date is covered; the optional Afbestilling cover also pays out if a doctor assesses pregnancy-related conditions make travelling irresponsible, provided the cause was not present when the trip was paid for.
Pre-existing condition exclusions
A medical pre-approval, valid only for the specific trip, is required for chronic illnesses/pre-existing conditions; a new approval must be sought for every trip, and it may fully cover, partially exclude, or fully exclude illness related to the condition.
Coverage duration limit
Cover runs for the number of travel days chosen and shown on the policy (the insurer's website states options of 30, 60 or 90 days); cover is automatically extended if the return home is delayed beyond the period due to a covered claim.
Policy specifics
Medical pre-approval
Pre-approval requirement for existing medical conditions or chronic illnesses before travel
SourceSource no longer reachableRental car excess/deductible coverage
Covers self-insurance or deductible fees charged by rental company for damage to rental vehicles
SourceSource no longer reachableEmergency evacuation, rescue and search
Covers costs of emergency evacuation, involuntary accommodation, search and rescue operations
SourceSource no longer reachableDelayed luggage coverage
Covers necessary expenses due to delayed arrival of baggage, up to 1,000 DKK per day
SourceSource no longer reachableTrip delay / transportation delay
Covers expenses for missed connections, delayed departure, and transport delays
SourceSource no longer reachableAccommodation expenses for damaged holiday home
Covers additional costs to rent alternative accommodation if booked property is damaged by natural disaster
SourceSource no longer reachableHousehold coverage requirement
Insurance covers policyholder and members of same household with same address
SourceSource no longer reachableEU Blue Card requirement
Coverage requires possession of EU Health Insurance Card (blue card) for travel in EU/EEA countries
SourceSource no longer reachableHome contents insurance prerequisite
Annual travel insurance can only be purchased if policyholder also maintains home contents insurance with KF
SourceSource no longer reachableTrip duration limit
Insurance covers vacation trips of up to 90 days per trip, with option to select 30, 60 or 90 days
SourceSource no longer reachableAutomatic annual renewal
Insurance renews automatically each year unless policyholder cancels
SourceSource no longer reachableEarly cancellation fee
Increased fee applies if policyholder cancels insurance within first 12 months
SourceSource no longer reachablePrivate leisure trips only
Insurance covers only private vacation trips with minimum 2 nights accommodation in Denmark or abroad
SourceSource no longer reachableDirect assistance and settlement
Insurance provides international assistance on-site via Falck Global Assistance 24/7 alarm center; claims settled directly or reimbursed upon return
SourceSource no longer reachableSources
- https://www.kfforsikring.dk/beregn-pris/arsrejse/Source no longer reachable
- https://www.kfforsikring.dk/forsikringer/arsrejseforsikring/Source no longer reachable