LB Forsikring A/S
LB Forsikring
LB Forsikring is a travel insurance for the Denmark market with online purchase and 24/7 assistance.
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.
Geographic scope
Extended Europe or Worldwide, chosen by the policyholder
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.
Unique selling points
- The travel insurance was rated 'Bedst i Test' (Best in Test) 2026 by the Danish Consumer Council (Forbrugerrådet Tænk), scoring highest of 13 tested policies for price and coverage.
- 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.
- The insurer achieved its top rating without offering a multi-policy discount, yet still priced the policy as the cheapest among the tested competitors.
- Trips longer than the standard 60 days can be extended by simply calling the insurer, up to a full year of cover.
Coverage limits
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.
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.
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.
Outpatient treatment (physiotherapy, chiropractor etc.)
DKK 10,000
Doctor-prescribed treatment by an authorised physiotherapist, chiropractor, acupuncturist or zone therapist is covered up to DKK 10,000 per person.
Emergency dental treatment
DKK 10,000
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.
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.
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.
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.
Search and rescue
DKK 100,000
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.
COVID-19 treatment
No limit stated
Not addressed as a distinct benefit in the reviewed documents.
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.
Winter sports (skiing/snowboarding)
Optional
Only in Skisport tilvalg
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.
Adventure sports cover
No limit stated
Not addressed as a distinct benefit; only professional sport is explicitly excluded.
Pregnancy / childbirth complications
Conditional
Treatment and examination in connection with childbirth is covered until 4 weeks before the expected due date; the policy cannot be booked or continued for cancellation cover once pregnancy leads to a due date within the travel period.
Personal liability
DKK 10,000,000
Only in Ansvar, retshjælp og bagage tilvalg
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.
Legal assistance
DKK 150,000
Only in Ansvar, retshjælp og bagage tilvalg
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.
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.
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; cancellation cover does not apply once the due date falls within the travel period or is less than 4 weeks after the return date.
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.
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
Source60-day coverage limit per trip
Standard travel insurance covers up to 60 days per trip; extended coverage available for longer trips
SourceSki sports coverage (optional add-on)
Separate optional coverage must be purchased to be covered when skiing or snowboarding
SourceCancellation 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
SourceGeographic coverage options
Policyholder chooses between Extended Europe coverage or worldwide coverage
SourcePre-existing condition limitations
Coverage may be limited or excluded for pre-existing conditions; medical pre-approval required
SourceDental treatment coverage limitations
Limited coverage for dental treatments and treatment by alternative practitioners (physiotherapist, chiropractor, acupuncturist, zone therapist)
SourceLiability, legal assistance and baggage coverage (optional)
Optional add-on coverage for liability, legal assistance, and baggage-related issues
SourceRuined vacation days coverage
Covers vacation days lost due to hospitalization or diagnosis requiring stay in holiday accommodation; limited to first 60 days of trip
SourceReplacement 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