Popermo Travel insurance (Aarsrejseforsikring)
Underwritten by Popermo Forsikring GS · Denmark
travel insurance from Popermo for the Denmark market, with 24/7 assistance.
Verified Sep 1, 2026 · Terms dated 2025-01Sources
Key facts
- Popermo
Unique selling points
Ski and winter sports trips are covered under the base policy with no additional premium.
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 20M
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.
Section: Forsikringsdækning og erstatning > 7.1 Sygdom og tilskadekomst
Dækningen er maksimalt 20 mio. kr. pr. rejsesammenlagt for alle sikrede.
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.
Section: 7.1 Sygdom og tilskadekomst > 7.1.1 Forsikringen dækker
Behandling, som en autoriseret læge giver på behandlingsstedet.
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.
Section: 7.1 Sygdom og tilskadekomst > 7.1.1 Forsikringen dækker
Lægeordineret ophold på hospital efter normale takster for semiprivate (tosengsstue) eller intensiv afdeling.
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.
Section: 7.1 Sygdom og tilskadekomst > 7.1.1 Forsikringen dækker
Hotelophold og fortæring, når behandling, der ellers kræver hospitalsindlæggelse, kan foregå ambulant.
Emergency dental treatment
DKK 15K
Acute pain-relieving dental treatment is covered up to a maximum of 15,000 DKK.
Section: 7.1 Sygdom og tilskadekomst > 7.1.1 Forsikringen dækker
Akut smertelindrende behandling hos tandlæge. Dækningen er maksimalt 15.000 kr.
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.
Section: 7.1 Sygdom og tilskadekomst > 7.1.1 Forsikringen dækker
Ambulancetransport eller lignende til og fra behandlingsstedet.
Medical evacuation / repatriation
Covered
When an acute illness or injury covered under the sickness benefit occurs, necessary extra costs for the insured's transport home to Denmark or transfer to another suitable place of treatment are covered within the overall 20 million DKK per-trip aggregate limit.
Section: 7.2 Hjemtransport > 7.2.1 Forsikringen dækker
Sikredes hjemtransport til Danmark eller overflytning til andet egnet behandlingssted, jf. punkt 8.3.7.
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.
Section: 7.2 Hjemtransport > 7.2.1 Forsikringen dækker
Hjemtransport af afdøde, inkl. udgifter til lovbefalede foranstaltninger, f.eks. balsamering og zinkkiste eller udgifter til kremering eller begravelse på stedet efter de pårørendes ønske.
Search and rescue
DKK 100K
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.
Section: 7.15 Eftersøgning og redning > 7.15.1 Forsikringen dækker
Nødvendige udgifter til eftersøgning og redning af eftersøgte. Dækningen er maksimalt 100.000 kr. pr. sikrede pr. rejse.
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.
Section: 7.1 Sygdom og tilskadekomst > 7.1.2 Forsikringen dækker ikke
Er lidelsen ikke stabil de seneste to måneder op til rejsen, er det en forudsætning for dækning, at Popermo foretager en medicinsk forhåndsvurdering.
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.
Section: Skidækning er en del af grunddækningen på Årsrejseforsikringen – helt uden tillæg!
Skidækning er en del af grunddækningen på Årsrejseforsikringen – helt uden tillæg!
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.
Section: 7.1 Sygdom og tilskadekomst > 7.1.1 Forsikringen dækker
Udgifter i forbindelse med fødsel indtil 4 uger før forventet termin.
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.
Section: 8 Når skaden er sket > 8.1 Forhold i skadetilfælde
Når sikrede får brug for øjeblikkelig hjælp ved alvorlig sygdom, alvorlig tilskadekomst eller væsentlig beskadigelse af bagage, kan sikrede døgnet rundt kontakte Popermos alarmcentral
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.
Section: 7.13 Evakuering og ufrivilligt ophold > 7.13.1 Forsikringen dækker
Dokumenterede og afkrævede ekstraudgifter til ophold og indenrigstransport i maksimalt tre måneder, når sikrede bliver tilbageholdt af myndighederne i et land som følge af en af begivenhederne nævnt i punkt 7.13.1.1. Dækningen er maksimalt 80.000 kr.
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.
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.
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.
Territorial scope
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.
Documents
Policy specifics
Trip cancellation
Optional add-on coverage for trip cancellation due to serious illness or death in immediate family
SourceClause 9.1.3.1Page 20Section: Afbestillingsforsikring > 9.1 Forsikringen dækker
Hospitalsindlæggelse, indlæggelse på hospice eller dødsfald hos: Sikrede. Nære pårørende jf. infoboks under punkt 7.3.1.1.
Emergency medical expenses
Core coverage for acute illness or injury occurring during travel; includes medical treatment, hospitalization, and emergency transport
SourceClause 7.1.1Page 8Section: 7.1 Sygdom og tilskadekomst > 7.1.1 Forsikringen dækker
Ved akut sygdom eller tilskadekomst opstået på rejsen, dækkes sædvanlige, rimelige og nødvendige udgifter, som ikke er dækket af det blå EU-sygesikringskort
Baggage delay
Coverage for emergency purchases of clothing and toiletries when checked baggage is delayed more than 5 hours
SourceClause 7.12.2.1Page 16Section: 7.12 Bagage > 7.12.2 Forsinkelse af bagage
Nødvendige og rimelige udgifter til køb af tøj og toiletartikler, så rejsen kan fortsætte...når indskrevet bagage bliver forsinket mere end fem timer i forhold til sikredes ankomst til bestemmelsesstedet uden for Danmark.
Homeward transport
Emergency transport home to Denmark due to acute illness, serious injury, or death of insured or family member
SourceClause 7.2.1Page 10Section: 7.2 Hjemtransport > 7.2.1 Forsikringen dækker
Sikredes hjemtransport til Danmark eller overflytning til andet egnet behandlingssted, jf. punkt 8.3.7.
Travel assistance and crisis help
24/7 emergency assistance for medical issues, including crisis therapy after major accidents or traumatic events
SourceClause 7.14.2Page 17Section: 7.14 Krisehjælp > 7.14.2 Forsikringen dækker
Kriseterapi til sikrede, når en af følgende situationer har medført en akut psykisk krise
Bail/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.
SourceClause 7.10.1Page 15Section: 7.10 Overfald / 7.11 Sikkerhedsstillelse og kaution
Dækningen er maksimalt 600.000 kr. pr. person.
Annual duration with 60-day per-trip maximum
Insurance covers full calendar year, but each individual trip limited to maximum 60 consecutive days
SourcePage 1/2Section: Hvilken form for forsikring er der tale om?
Årsrejseforsikringen dækker i 60 sammenhængende dage og forudsætter, at der er købt Indboforsikring i Popermo.
Home insurance requirement
Annual Travel Insurance can only be purchased as optional add-on (tilvalg) to Popermo home contents insurance (Indboforsikring)
SourcePage 1/2Section: Hvilken form for forsikring er der tale om?
Årsrejseforsikringen dækker i 60 sammenhængende dage og forudsætter, at der er købt Indboforsikring i Popermo.
Geographic coverage variants
Two geographic options: Europe only OR World including Europe; selected at purchase time
SourceSection: Spørgsmål og svar til Årsrejseforsikringen > Hvor dækker Årsrejseforsikringen?
Du kan vælge en Årsrejseforsikring, der dækker i Europa, eller du kan vælge en Årsrejseforsikring, der dækker i hele verden, inkl. Europa.
Pre-existing medical condition assessment
Optional medical pre-assessment available online to verify coverage of pre-existing conditions before travel
SourcePage 9Section: 7.1 Sygdom og tilskadekomst
Se om du har brug for en medicinsk forhåndsvurdering ved at udfylde en test via Popermos hjemmeside. Du kan tage testen her.
Leisure 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
SourceClause 2.1Page 5Section: 2.1 Forsikringen dækker
Ferierejser. Ferierejser i kombination med erhvervsrejser med udrejse fra Danmark, når rejsen er betalt af dansk arbejdsgiver. Studierejser. Studieophold, når sikrede er tilmeldt udenlandsk uddannelsesinstitution.
Ski coverage included
Winter sports and skiing activities are included in base coverage without additional premium
SourceSection: Skidækning er en del af grunddækningen på Årsrejseforsikringen – helt uden tillæg!
Vores Årsrejseforsikring indeholder skidækning som en del af den obligatoriske dækning på Årsrejseforsikringen – du skal altså ikke huske at tilkøbe en dækning inden din skiferie.
Sources
- popermo.dkhttps://www.popermo.dk/forsikringer/aarsrejseforsikring(opens in a new tab)
- popermo.dkhttps://www.popermo.dk/media/hcdaaxa0/7-38-aarsrejseforsikring-ny-2026.pdf#page=10(opens in a new tab)
- popermo.dkhttps://www.popermo.dk/media/hcdaaxa0/7-38-aarsrejseforsikring-ny-2026.pdf#page=15(opens in a new tab)
- popermo.dkhttps://www.popermo.dk/media/hcdaaxa0/7-38-aarsrejseforsikring-ny-2026.pdf#page=16(opens in a new tab)
- popermo.dkhttps://www.popermo.dk/media/hcdaaxa0/7-38-aarsrejseforsikring-ny-2026.pdf#page=17(opens in a new tab)
- popermo.dkhttps://www.popermo.dk/media/hcdaaxa0/7-38-aarsrejseforsikring-ny-2026.pdf#page=18(opens in a new tab)
- popermo.dkhttps://www.popermo.dk/media/hcdaaxa0/7-38-aarsrejseforsikring-ny-2026.pdf#page=20(opens in a new tab)
- popermo.dkhttps://www.popermo.dk/media/hcdaaxa0/7-38-aarsrejseforsikring-ny-2026.pdf#page=5(opens in a new tab)
- popermo.dkhttps://www.popermo.dk/media/hcdaaxa0/7-38-aarsrejseforsikring-ny-2026.pdf#page=8(opens in a new tab)
- popermo.dkhttps://www.popermo.dk/media/hcdaaxa0/7-38-aarsrejseforsikring-ny-2026.pdf#page=9(opens in a new tab)
- popermo.dkhttps://www.popermo.dk/media/j2alels3/faktablad-aarsrejse.pdf#page=1(opens in a new tab)