Popermo Forsikring G/S
Popermo
Popermo is a travel insurance for the Denmark market with no online purchase and 24/7 assistance.
Direct payment
Popermo's alarm centre and its assistance partner provide claims service directly at the scene, so part of a covered claim can be settled while still travelling; any advance payment is limited to the insured's immediate individual need, with final settlement made after returning home.
Geographic scope
Europe or Worldwide including Europe, selected at policy purchase
Full medical and travel cover applies outside Denmark. Trips within Denmark are only covered when staying in a rented holiday home for a minimum of three nights, and only holiday compensation and cancellation cover apply there, not medical expenses.
Unique selling points
- Ski and winter sports trips are covered under the base policy with no additional premium, unlike many competitors that charge extra for winter sports.
- The policy covers the whole household on an annual basis, including biological, adopted, foster and respite children under 21 registered at a different address.
- Standard 60-day per-trip cover can be extended by an additional 30 days (up to 90 days total) by simply contacting Popermo.
- Claims can be settled directly on the spot during the trip via Popermo's alarm centre, including an advance (aconto) payment for immediate needs.
- Medical and travel expense cover is capped at a high aggregate limit of 20 million DKK per trip for all insured persons combined.
Coverage limits
Medical expenses
DKK 20,000,000
Maximum coverage is 20 million DKK per trip, aggregated for all insured persons, for reasonable and necessary expenses arising from acute illness or injury occurring during the trip.
Emergency medical treatment
Covered
Treatment given by an authorised doctor at the place of treatment is covered within the overall 20 million DKK per-trip aggregate limit.
Hospitalization
Covered
Doctor-ordered hospital stay is covered at normal rates for a semi-private (two-bed) or intensive care room, within the overall 20 million DKK per-trip aggregate limit.
Outpatient treatment
Covered
Ambulant treatment (e.g. medically ordered when hospitalisation is avoided) is covered within the overall aggregate; treatment by a physiotherapist or chiropractor is capped separately at 15,000 DKK.
Emergency dental treatment
DKK 15,000
Acute pain-relieving dental treatment is covered up to a maximum of 15,000 DKK.
Medical transport
Covered
Ambulance or similar transport to and from the place of treatment, and transport to the nearest suitable treatment site when decided by the doctor at Popermo's alarm centre, is covered within the overall aggregate.
Evacuation and involuntary stay
Covered
Reasonable and necessary evacuation costs are covered when there is an imminent threat of war, civil unrest, terrorism, a life-threatening epidemic or a major natural disaster, on condition that the Danish Ministry of Foreign Affairs recommends evacuation/return; if detained by authorities, accommodation/local transport costs are covered up to 80,000 DKK for a maximum of three months.
Repatriation of remains
Covered
Home transport of a deceased insured is covered, including statutory measures such as embalming and a zinc coffin, or costs of cremation/burial at the location if preferred by relatives.
Search and rescue
DKK 100,000
Necessary costs of search and rescue are covered up to 100,000 DKK per insured per trip, subsidiary to local authority assistance; the maximum payout per event across all insured/policies is 1 million DKK.
COVID-19 treatment
No limit stated
The sources reference epidemics and 'samfundskritisk sygdom' (societally critical disease) in the context of evacuation and cancellation, but do not explicitly state whether medical treatment for COVID-19 is covered.
Pre-existing conditions
Conditional
Chronic or pre-existing conditions are excluded unless the condition has been stable for two months before departure (no hospitalisation, treatment change, or new referral); if not stable, cover depends on Popermo carrying out a medical pre-assessment, which determines full, partial or no cover.
Winter sports cover
Covered
Ski trips are covered under the base policy at no extra premium; the policy explicitly covers ski holidays despite otherwise excluding activity-specific holiday trips.
Adventure sports cover
No limit stated
No source addresses cover for adventure or extreme sports specifically.
Pregnancy complications
Conditional
Expenses related to childbirth are covered only up to 4 weeks before the expected due date, as part of the illness/injury cover.
Personal liability
No limit stated
No third-party personal liability cover is described in the travel insurance terms; liability cover is provided separately under the Indboforsikring (home contents insurance), which is a different product.
Legal assistance
No limit stated
No legal expenses/legal assistance cover is described; the policy only covers bail/security deposits for disputes arising during the trip, which is a different type of cover.
24/7 assistance
Covered
Popermo's alarm centre can be contacted around the clock by phone or email in case of serious illness, serious injury or significant baggage damage.
Key conditions
Assistance call deadline
In the event of death, acute serious illness, serious injury or hospitalisation, Popermo's alarm centre must be notified immediately ('straks').
Unauthorized treatment
If the insured arranges home transport themselves without involving Popermo's alarm centre, Popermo will pay at most the amount it would have cost had the alarm centre arranged the transport.
Purchase while abroad
None of the reviewed sources address purchasing or activating the policy while already abroad.
Chronic conditions
Treatment of chronic conditions is excluded unless the condition has been stable for the two months before departure or Popermo has carried out a medical pre-assessment granting cover.
Pregnancy
Costs related to childbirth are covered only up to 4 weeks before the expected due date.
Pre-existing condition exclusions
It is recommended to obtain a medical pre-assessment via Popermo's online test before booking or paying for a trip if there has been recent hospitalisation, surgery, new medication, or a pending referral; the pre-assessment determines full, partial or no cover for the existing condition.
Coverage duration limit
Cover applies to the first 60 consecutive days of a trip; this can be extended by up to 30 additional days (total 90 days) by contacting Popermo.
Policy specifics
Trip cancellation
Optional add-on coverage for trip cancellation due to serious illness or death in immediate family
SourceEmergency medical expenses
Core coverage for acute illness or injury occurring during travel; includes medical treatment, hospitalization, and emergency transport
SourceBaggage delay
Coverage for emergency purchases of clothing and toiletries when checked baggage is delayed more than 5 hours
SourceHomeward transport
Emergency transport home to Denmark due to acute illness, serious injury, or death of insured or family member
SourceTravel assistance and crisis help
24/7 emergency assistance for medical issues, including crisis therapy after major accidents or traumatic events
SourceBail/security deposit and assault
Covers bail/security deposit costs (max 150,000 DKK) for claims arising from disputes during the trip, and compensation (max 600,000 DKK per person) if the insured is a victim of an unprovoked assault causing provable injury.
SourceAnnual duration with 60-day per-trip maximum
Insurance covers full calendar year, but each individual trip limited to maximum 60 consecutive days
SourceHome insurance requirement
Annual Travel Insurance can only be purchased as optional add-on (tilvalg) to Popermo home contents insurance (Indboforsikring)
SourceGeographic coverage variants
Two geographic options: Europe only OR World including Europe; selected at purchase time
SourcePre-existing medical condition assessment
Optional medical pre-assessment available online to verify coverage of pre-existing conditions before travel
SourceLeisure travel only restriction
Coverage limited to holiday trips, study trips while enrolled in foreign institution, or voluntary work under foreign employment contract; excludes business travel
SourceSki coverage included
Winter sports and skiing activities are included in base coverage without additional premium
Source