Pending review

LB Forsikring Travel insurance (Rejseforsikring Standard)

Underwritten by LB Forsikring A/S · Denmark

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

Verified Sep 1, 2026 · Terms dated 2025-10-08Sources

Online purchase24/7 helpline

Unique selling points

Rated 'Bedst i Test' 2026 for its travel insurance.

Policyholders can freely choose between Extended Europe or Worldwide coverage and flexibly add cancellation or ski sports cover to match their own needs.

A round-the-clock alarm centre is available for emergency assistance, medical transport, evacuation and claims support during the trip.

Trips longer than the standard 60 days can be extended by simply calling the insurer, up to a full year of cover.

Coverage limits

Covered

Illness and injury treatment

Covered

Covers reasonable and necessary expenses for examination and treatment of illness or injury arising acutely during the trip, including acute worsening of an existing condition (subject to a 2-month stability rule or medical pre-approval); no stated maximum sum.

Clause 3Page 6

Section: 3. Sygdom og tilskadekomst > Hvad dækker forsikringen?

Til behandling og undersøgelse af sygdom eller tilskadekomst, der opstår akut under rejsen.

Covered

Emergency medical treatment

Covered

Emergency treatment for acute illness or injury is always covered, including doctor and hospital treatment; also covers acute smoothing pain-relief dental treatment up to DKK 10,000 per person.

Clause 3Page 6

Section: 3. Sygdom og tilskadekomst > Hvad dækker forsikringen?

Til akut smertestillende tandbehandling hos autoriseret tandlæge for at mindske skadens omfang. Er dækket med højst 10.000 kr. pr. person.

Covered

Hospitalization

Covered

Hospital treatment for a covered acute illness or injury is covered under the 'Illness and injury' benefit, with additional coverage for phone calls and reading material up to DKK 500 per claim if hospitalised over 24 hours.

Clause 4Page 7

Section: 4. Ekstraudgifter relateret til sygdom og tilskadekomst

Er du indlagt på hospital i over 24 timer, dækker vi også telefonopkald og læsestof mv. dog højst med 500 kr. pr. skade.

Covered

Outpatient treatment (physiotherapy, chiropractor etc.)

DKK 10K

Doctor-prescribed treatment by an authorised physiotherapist, chiropractor, acupuncturist or zone therapist is covered up to DKK 10,000 per person.

Clause 3Page 6

Section: 3. Sygdom og tilskadekomst > Hvad dækker forsikringen?

Til lægeordineret behandling hos autoriseret fysioterapeut, kiropraktor, akupunktør eller zoneterapeut. Disse behandlinger er dækket med højst 10.000 kr. pr. person.

Covered

Emergency dental treatment

DKK 10K

Acute pain-relieving dental treatment by an authorised dentist is covered up to DKK 10,000 per person; chewing-injury damage is limited to DKK 1,000 per person.

Clause 3Page 6

Section: 3. Sygdom og tilskadekomst > Hvad dækker forsikringen?

Til akut smertestillende tandbehandling hos autoriseret tandlæge for at mindske skadens omfang. Er dækket med højst 10.000 kr. pr. person. Tyggeskader er dog dækket med højst 1.000 kr. pr. person.

Covered

Ambulance / local medical transport

Covered

Covers ambulance transport to and from the nearest suitable treatment facility, or taxi transport if ambulance transport is not medically justified; no stated maximum.

Clause 6Page 9

Section: 6. Syge- og hjemtransport > Hvad dækker forsikringen?

Ambulancetransport til og fra nærmeste egnede behandlingssted. Er ambulancetransport ikke lægeligt begrundet, dækkes taxatransport til og fra behandlingsstedet.

Covered

Medical repatriation / transfer

Covered

Covers repatriation to Denmark or transfer to another suitable treatment facility when decided by the insurer's doctor and approved by the treating doctor; no stated maximum sum.

Clause 6Page 9

Section: 6. Syge- og hjemtransport > Hvad dækker forsikringen?

Hjemtransport til Danmark eller overførsel til andet egnet behandlingssted, når vores læge har besluttet transporten, og den behandlende læge har godkendt denne.

Covered

Repatriation of remains

Covered

Covers repatriation of the deceased including statutory measures such as embalming and a zinc coffin; if relatives choose local burial or cremation instead, reimbursement is capped at what repatriation would have cost.

Clause 6Page 9

Section: 6. Syge- og hjemtransport > Hvad dækker forsikringen?

Hjemtransport af afdød inkl. udgifter til lovbefalede foranstaltninger som fx balsamering og zinkkiste. Ønsker de pårørende begravelse eller kremering på stedet, erstatter vi højst det beløb, en hjemtransport ville have kostet.

Covered

Search and rescue

DKK 100K

Covers reasonable and necessary expenses to search for and rescue an insured person who has gone missing within a 50 km radius of the last known location, up to DKK 100,000 per person per trip.

Clause 14Page 18

Section: 14. Redning og eftersøgning > Hvad dækker forsikringen?

Redning og eftersøgning erstattes med højst 100.000 kr. pr. person pr. rejse.

COVID-19 treatment

No limit stated

Not addressed as a distinct benefit in the reviewed documents.

Conditional

Pre-existing / chronic conditions

Conditional

Full cover for a pre-existing or chronic condition requires the condition to have been stable for the 2 months before departure, or that a medical pre-approval without reservation has been obtained; control/treatment to keep a chronic condition stable is not covered.

Clause 3Page 6

Section: 3. Sygdom og tilskadekomst

Det er en forudsætning, at din tilstand har været i en stabil god fase inden for de sidste 2 måneder inden afrejse, eller at du har fået en medicinsk forhåndsvurdering uden klausul.

Optional · Skisport tilvalg

Winter sports (skiing/snowboarding)

Optional

Injuries sustained while skiing or snowboarding are only covered if the optional 'Skisport' add-on has been purchased; it follows the geographic scope of the main policy.

Page 2

Section: 1. Vigtig viden > E. Om skisport

For at være dækket når du står på ski eller snowboard, skal du købe tilvalgsdækningen Skisport. Tilvalgsdækningen følger dækningsområdet på din rejseforsikring.

Adventure sports cover

No limit stated

Not addressed as a distinct benefit; only professional sport is explicitly excluded.

Conditional

Pregnancy / childbirth complications

Conditional

Treatment and examination in connection with childbirth is covered until 4 weeks before the expected due date. With the optional cancellation cover, you can cancel the trip if, after booking, you learn you are pregnant and the due date falls within the travel period or less than 4 weeks after the return date.

Clause 25Page 30

Section: 25. Afbestilling > Hvad dækker forsikringen?

Hvis du efter bestilling af rejsen bliver bekendt med, at du er gravid, og terminen ligger i rejseperioden, eller hvis der på hjemrejsedatoen er under 4 uger til termin.

Optional · Ansvar, retshjælp og bagage tilvalg

Personal liability

DKK 10M

Optional cover (part of 'Liability, legal assistance and baggage') for private liability abroad: up to DKK 10 million per claim for personal injury and up to DKK 5 million per claim for damage to property/animals, with a DKK 1,500 deductible per claim.

Clause 26Page 33

Section: 26. Ansvar > Erstatning

Vi dækker ansvar for skade på: Person med højst 10 mio. kr. pr. skade. Ting og dyr med højst 5 mio. kr. pr. skade. Der er en selvrisiko på 1.500 kr. pr. skade.

Optional · Ansvar, retshjælp og bagage tilvalg

Legal assistance

DKK 150K

Optional cover (part of 'Liability, legal assistance and baggage') for civil legal disputes arising during the trip, up to DKK 150,000, with a deductible of 10% (minimum DKK 2,500) per dispute.

Clause 27Page 34

Section: 27. Retshjælp > Erstatning

Forsikringen dækker med højst 150.000 kr. Der er en selvrisiko på 10 %, dog mindst 2.500 kr. pr. tvist.

Covered

24/7 emergency assistance

Covered

A round-the-clock alarm centre is available for urgent help via a dedicated phone number for claims, medical transport, evacuation, and other emergencies.

Page 2

Section: 1. Vigtig viden > C. Om anmeldelse af skader

Ved akut brug for hjælp kan du kontakte vores alarmcentral, som er døgnåben på +45 70 15 55 00

Key conditions

Assistance call deadline

For services such as home-calling, illness escort, summoning, evacuation, medical transport and repatriation, the policyholder must always agree the arrangement with LB Forsikring or its alarm centre in advance; unapproved expenses are not reimbursed.

Unauthorized treatment

Expenses for home transport, home-calling, illness escort, summoning or evacuation that have not been agreed with LB Forsikring or its alarm centre are not covered.

Purchase while abroad

Not specifically addressed in the reviewed policy documents.

Chronic conditions

Full cover for a chronic or existing illness requires that the condition has been in a stable, good phase for the last 2 months before departure, or that a medical pre-approval without reservation has been obtained; ongoing control/treatment to keep a chronic condition stable during the trip is not covered.

Pregnancy

Treatment related to childbirth is covered until 4 weeks before the expected due date. With the optional cancellation cover you can cancel if, after booking, you learn you are pregnant and the due date falls within the trip or less than 4 weeks after the return date.

SourceClause 25Page 30

Section: 25. Afbestilling > Hvad dækker forsikringen?

Hvis du efter bestilling af rejsen bliver bekendt med, at du er gravid, og terminen ligger i rejseperioden, eller hvis der på hjemrejsedatoen er under 4 uger til termin.

Pre-existing condition exclusions

A medical pre-approval may be needed if the traveller has a chronic or existing illness, or has been ill or injured shortly before booking or departing; the pre-approval clarifies whether the condition is covered.

Coverage duration limit

The standard policy covers the first 60 days of each trip; for trips exceeding 60 days, an extended travel insurance (bought separately, for up to 1 year) is required, which does not include replacement trip or ruined vacation days cover.

Direct payment

In emergencies, a claim can be settled for the covered amount during the trip based on the immediate need for financial assistance; final claims settlement takes place after returning home.

Territorial scope

Covers 'Extended Europe' (a defined list of ~40 European and neighbouring countries including Russia, Turkey and the Canary Islands, excluding overseas islands) or can be upgraded to worldwide cover.

Documents

Travel Insurance Terms and Conditions No. 25-1, October 2025 (opens in a new tab)

Terms & conditions · PDF

Travel Insurance IPID (opens in a new tab)

Product information sheet · PDF

Travel insurance product page (opens in a new tab)

Other document · PDF

Policy specifics

Medical pre-approval requirement

Pre-authorization needed if you have a pre-existing condition or have been ill/injured in the 2 months before departure

Source

Section: Pak din rejseforsikring, så den passer til dine rejsevaner > Standarddækninger

Du kan have brug for en medicinsk forhåndsvurdering , hvis du har en bestående sygdom, eller hvis du inden for de sidste 2 måneder før afrejse har været syg eller er kommet til skade.

60-day coverage limit per trip

Standard travel insurance covers up to 60 days per trip; extended coverage available for longer trips

Source

Section: Pak din rejseforsikring, så den passer til dine rejsevaner > Standarddækninger

Vores rejseforsikring dækker alle dine ferierejser i løbet af året – og i de første 60 dage af hver rejse. Skal du på en rejse, som varer over 60 dage, kan du ringe til os og få forlænget rejseperioden.

Ski sports coverage (optional add-on)

Separate optional coverage must be purchased to be covered when skiing or snowboarding

SourcePage 2

Section: 1. Vigtig viden > E. Om skisport

For at være dækket når du står på ski eller snowboard, skal du købe tilvalgsdækningen Skisport.

Cancellation coverage (optional add-on)

Optional coverage for cancellation due to acute illness or injury; must be active at the time of trip booking or 2+ months before departure

SourcePage 2

Section: 1. Vigtig viden > D. Om afbestilling

Det er en betingelse, at tilvalgsdækningen Afbestilling er trådt i kraft samtidig med betaling af første rate af rejsens pris, eller der er over 2 måneder til rejsens start, fra dækningen er trådt i kraft.

Geographic coverage options

Policyholder chooses between Extended Europe coverage or worldwide coverage

Source

Section: Tilpas selv din rejseforsikring > Verden

Rejser du uden for Europa tilvælger du Verden. Så følger dækningerne med dig, uanset hvor du er.

Pre-existing condition limitations

Coverage may be limited or excluded for pre-existing conditions; medical pre-approval required

Source

Section: Pak din rejseforsikring, så den passer til dine rejsevaner > Standarddækninger

Du kan have brug for en medicinsk forhåndsvurdering , hvis du har en bestående sygdom, eller hvis du inden for de sidste 2 måneder før afrejse har været syg eller er kommet til skade.

Dental treatment coverage limitations

Limited coverage for dental treatments and treatment by alternative practitioners (physiotherapist, chiropractor, acupuncturist, zone therapist)

Source

Section: Pak din rejseforsikring, så den passer til dine rejsevaner > Standarddækninger

Der er begrænset dækning for tandskader og behandling hos fysioterapeut, kiropraktor, akupunktør og zoneterapeut.

Liability, legal assistance and baggage coverage (optional)

Optional add-on coverage for liability, legal assistance, and baggage-related issues

SourcePage 2

Section: 1. Vigtig viden > F. Om ansvar, retshjælp og bagage

Det er kun relevant at købe tilvalgsdækningen Ansvar, retshjælp og bagage, hvis du ikke har en indboforsikring, som dækker dig under rejser i udlandet.

Ruined vacation days coverage

Covers vacation days lost due to hospitalization or diagnosis requiring stay in holiday accommodation; limited to first 60 days of trip

Source

Section: Rejse i udlandet: Spørgsmål og svar, når du vil anmelde en skade

Din rejseforsikring dækker feriedage, der bliver ødelagt på grund af din hospitalsindlæggelse eller en diagnose som gør, at du skal opholde dig i ferieboligen.

Replacement trip coverage

Covers costs for replacement trip when insured is hospitalized for over half the trip or transported home during early days due to illness/injury

Source

Section: Rejse i udlandet: Spørgsmål og svar, når du vil anmelde en skade

Dækker, når du eller din eneste rejseledsager bliver indlagt på hospitalet i mere end halvdelen af rejseperioden eller transporteret hjem på grund af sygdom eller tilskadekomst i feriens første del.

Sources

LB Forsikring Travel insurance

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