Extracted from source documents

Købstædernes Forsikring Travel insurance (Aarsrejseforsikring)

Underwritten by Købstædernes Forsikring · Denmark

travel insurance from Købstædernes Forsikring for the Denmark market, with online purchase and 24/7 assistance.

Verified Sep 1, 2026 · Terms dated 2024-10Sources

Online purchase24/7 helpline

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

Covered

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).

Source no longer reachableClause C. ErstatningPage 12

Section: Sygdom og tilskadekomst > Lægebehandling og hospitalsophold

Rimelige og nødvendige udgifter til: 1. Akut tandbehandling, dog højst 10.000 kr. pr. person 2. Fysioterapi/kiropraktor, dog højst 10.000 kr. pr. person

Covered

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.

Source no longer reachableClause A. DækkerPage 12

Section: Sygdom og tilskadekomst > Lægebehandling og hospitalsophold

Lægebehandling hos autoriseret læge og lægeordineret medicin ... Akut forværring af eksisterende sygdom eller tilskadekomst, hvis du ikke var syg indenfor 2 måneder inden afrejse, eller hvis du har fået en medicinsk forhåndsgodkendelse

Covered

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.

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Section: Sygdom og tilskadekomst > Lægebehandling og hospitalsophold

Lægeordineret ophold og behandling på hospital ... Ekstraudgifter til hotelophold og forplejning fra udskrivelse fra hospital og indtil hjemrejse, hjemtransport eller indhentning af planlagt rejserute

Covered

Outpatient treatment (physiotherapy/chiropractor)

DKK 10K

Reasonable and necessary costs for physiotherapist and chiropractor treatment abroad, capped at 10,000 DKK per person.

Source no longer reachableClause C. ErstatningPage 12

Section: Sygdom og tilskadekomst > Lægebehandling og hospitalsophold

Fysioterapi/kiropraktor, dog højst 10.000 kr. pr. person

Covered

Emergency dental treatment

DKK 10K

Acute pain-relieving dental treatment by an authorised dentist, capped at 10,000 DKK per person.

Source no longer reachableClause C. ErstatningPage 12

Section: Sygdom og tilskadekomst > Lægebehandling og hospitalsophold

Akut tandbehandling, dog højst 10.000 kr. pr. person

Covered

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.

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Section: Sygdom og tilskadekomst > Hjemtransport og sygetransport

Ambulance- eller sygetransport til og fra behandlingsstedet ... Transport til Danmark med almindeligt transportmiddel, ambulance eller ambulancefly

Covered

Evacuation and involuntary stay

DKK 96K

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.

Source no longer reachableClause C. ErstatningPage 21

Section: Evakuering, eftersøgning og redning > Evakuering og ufrivilligt ophold

Ufrivilligt ophold, ekstraudgifter til transport, logi og forplejning i indtil 3 måneder, dog højst 96.000 kr. i alt ... Tab eller beskadigelse af bagage ved evakueringen op til 30.000 kr. pr. person

Covered

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.

Source no longer reachableClause A. DækkerPage 13

Section: Sygdom og tilskadekomst > Hjemtransport og sygetransport

Hjemtransport ved død inkl. lovbefalede foranstaltninger. Hvis de pårørende ønsker begravelse eller kremering på stedet, dækkes udgifter op til det beløb, en hjemtransport ville have kostet

Covered

Search and rescue

DKK 100K

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.

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Section: Evakuering, eftersøgning og redning > Eftersøgning og redning

Rimelige og nødvendige ekstraudgifter op til 100.000 kr. pr. person, dog højst 500.000 kr. i alt.

Excluded

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.

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Section: Om din Årsrejseforsikring > Forsikringen dækker ikke

Indrejse i et land eller område med epidemi, som kræver sundhedsfaglig behandling ... Indrejse i et land eller område, hvor Udenrigsministeriet eller lokale myndigheder har frarådet al unødig indrejse eller foretaget evakuering

Conditional

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.

Source no longer reachablePage 4

Section: Medicinsk forhåndsgodkendelse

Vær opmærksom på, at en medicinsk forhåndsvurdering kun gælder for den aktuelle rejse. Du skal søge en ny medicinsk forhåndsvurdering for hver rejse. ... Vær opmærksom på, at det kun er vores medicinske personale, der kan afgøre om og hvordan du er dækket på din forsikring.

Optional

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.

Source no longer reachablePage 8

Section: Om din Årsrejseforsikring > Aktiv ferie

Hvis Aktiv ferie er tilkøbt, dækker forsikringen skader som er en direkte følge af deltagelse i sportsgrenene omfattet af Aktiv ferie. Forsikringen dækker ikke skader som følge af udøvelse af ekstremsport.

Optional

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.

Source no longer reachablePage 8

Section: Om din Årsrejseforsikring > Aktiv ferie

Forsikringen dækker aktiv ferie, hvor rejsens hovedformål er at stå på ski/snowboard, dykke, cykle, gå på jagt, dyrke sejlsport, ridning eller anden lignende sport, dog ikke ekstremsport.

Covered

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.

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Section: Sygdom og tilskadekomst > Lægebehandling og hospitalsophold

Fødsel i indtil 4 uger før forventet termin

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).

Source no longer reachable
Covered

Security deposit, bail and legal assistance

DKK 250K

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.

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Section: Sikkerhedsstillelse og kaution

Forsikringen dækker højst 250.000 kr. pr. retslig uenighed (tvist). Sikkerhedsstillelse eller kaution er et rentefrit lån, der skal tilbagebetales, så snart myndighederne frigiver pengene.

Covered

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.

Source no longer reachable

Section: Jeg har mit sygesikringskort – er jeg så ikke dækket på en rejse?

Så kan du desuden ringe direkte til vores dansktalende alarmcentral og få en dansk læges vurdering af den lokale behandling og behandlingsstedet.

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.

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.

Territorial scope

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.

Documents

Insurance terms APR-2410 (October 2024) (opens in a new tab)

Terms & conditions · PDF

IPID (Insurance Product Information Document), FT.nr. 51778 (opens in a new tab)

Product information sheet · PDF

Travel assistance card (Falck Global Assistance) (opens in a new tab)

Other document · PDF

Policy specifics

Medical pre-approval

Pre-approval requirement for existing medical conditions or chronic illnesses before travel

SourceSource no longer reachablePage 4

Section: Medicinsk forhåndsgodkendelse

Skal du have foretaget en medicinsk forhåndsvurdering, skal den foretages: • Før du skal rejse for at være dækket af Årsrejse

Rental car excess/deductible coverage

Covers self-insurance or deductible fees charged by rental company for damage to rental vehicles

SourceSource no longer reachable

Section: Sådan dækker rejseforsikringen > Standarddækninger > Selvrisiko ved leje af personbil, motorcykel eller knallert

Dækker, hvis udlejer opkræver selvrisiko for en skade på en lejet bil, motorcykel, autocamper og knallert samt campingvogn/teltvogn.

Emergency evacuation, rescue and search

Covers costs of emergency evacuation, involuntary accommodation, search and rescue operations

SourceSource no longer reachable

Section: Sådan dækker rejseforsikringen > Standarddækninger > Evakuering

Dækker udgifter til evakuering, ufrivilligt ophold, eftersøgning og redning.

Delayed luggage coverage

Covers necessary expenses due to delayed arrival of baggage, up to 1,000 DKK per day

SourceSource no longer reachablePage 1

Section: Hvad dækker den?

Bagageforsinkelse dækker max 1.000 kr. pr. døgn og i alt max 3.000 kr.

Trip delay / transportation delay

Covers expenses for missed connections, delayed departure, and transport delays

SourceSource no longer reachable

Section: Sådan dækker rejseforsikringen > Standarddækninger > Rejseforsinkelse

Dækker udgifter ved forsinket fremmøde, transportforsinkelse og forsinket bagage.

Accommodation expenses for damaged holiday home

Covers additional costs to rent alternative accommodation if booked property is damaged by natural disaster

SourceSource no longer reachable

Section: Sådan dækker rejseforsikringen > Standarddækninger > Ferieboligsikring

Dækker ekstraudgifter til at leje en anden feriebolig, hvis den bestilte feriebolig bliver ramt af en naturkatastrofe.

Household coverage requirement

Insurance covers policyholder and members of same household with same address

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Section: Om din Årsrejseforsikring > Hvilke personer er omfattet af forsikringen

Personer, der er tilmeldt folkeregistret på adressen, er omfattet.

EU Blue Card requirement

Coverage requires possession of EU Health Insurance Card (blue card) for travel in EU/EEA countries

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Section: Om din Årsrejseforsikring > Det blå kort

Dækning under Årsrejseforsikringen forudsætter, at du er berettiget til ydelser i henhold til sundhedsloven og ved rejser i EU/EØS er i besiddelse af et EU Sygesikringskort (Det blå kort).

Home contents insurance prerequisite

Annual travel insurance can only be purchased if policyholder also maintains home contents insurance with KF

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Section: Hvilken form for forsikring er der tale om?

Du kan kun købe årsrejseforsikring, hvis du også har din indboforsikring hos os.

Trip 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 reachable

Section: Jorden rundt på 90 dage

Vi dækker alle husstandens private ferierejser i op til 30, 60 eller 90 dages varighed.

Automatic annual renewal

Insurance renews automatically each year unless policyholder cancels

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Section: Hvornår starter og slutter dækningen?

Forsikringen gælder for 1 år af gangen, og vi fornyer den automatisk, med mindre andet er aftalt.

Early cancellation fee

Increased fee applies if policyholder cancels insurance within first 12 months

SourceSource no longer reachablePage 44

Section: Generelle vilkår > Forsikringens varighed, opsigelse og ændring

Gebyrets størrelse afhænger af, om du opsiger forsikringen indenfor det første år efter oprettelsen (forsikringen er tegnet) eller senere.

Private leisure trips only

Insurance covers only private vacation trips with minimum 2 nights accommodation in Denmark or abroad

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Section: Om din Årsrejseforsikring > Hvor dækker forsikringen

Forsikringen dækker ved private ferierejser i Danmark med mindst 2 overnatninger.

Direct 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 reachablePage 1

Du kan kontakte vores alarmcentral 24 timer i døgnet på tlf. +45 33 45 75 85.

Sources

Købstædernes Forsikring Travel insurance

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