Runa Forsikring, a brand of LB Forsikring A/S
Runa Forsikring
Runa Forsikring is a travel insurance for the Denmark market with no online purchase and 24/7 assistance.
Direct payment
In emergencies, an interim settlement of a covered claim can be made during the trip based on immediate financial need; final claims handling takes place after the insured returns home.
Geographic scope
Extended Europe (default), optionally extendable to Worldwide cover
Extended Europe includes the EU/EEA countries plus a wide list of additional European and neighbouring countries (e.g. Turkey, Russia, Georgia, Morocco via Canary Islands/Azores); overseas islands are excluded from Extended Europe. Worldwide cover can be added. Full country list is in the policy terms.
Unique selling points
- Marketed as awarded 'Best in Test' three times for travel insurance.
- One annual policy covers the whole household, including up to four co-resident housemates and up to two extra accompanying children under 18 not insured elsewhere.
- Both 'ruined holiday days' and 'replacement travel' are each covered up to 50,000 DKK per person per trip.
- Assault (overfald) cover up to 1,000,000 DKK per claim, and liability for damage to a rented holiday home up to 3,000,000 DKK per claim under the optional liability add-on.
- Up to 10 psychologist consultations via Falck after a serious covered event, including telephone crisis support extended to close relatives back in Denmark.
Coverage limits
Medical expenses for acute illness and injury
Covered
Reasonable and necessary costs of examination and treatment of illness or injury arising acutely during the trip, including acute worsening of an existing condition (subject to a stability requirement or pre-assessment). No fixed overall monetary ceiling is stated; specific sub-limits apply to physiotherapy/chiropractic/acupuncture/zone therapy (max 10,000 DKK) and dental treatment (max 10,000 DKK, bite damage max 1,000 DKK).
Emergency medical treatment
Covered
Covers reasonable and necessary costs of acute medical examination and treatment abroad; no fixed overall cap is stated in the terms.
Hospitalization
Covered
Hospital treatment for a covered acute illness/injury is covered without a stated fixed ceiling. Related extra costs (e.g. hotel for ambulant follow-up care after discharge) are covered under 'Extra expenses'; telephone calls/reading material during hospitalization over 24 hours are covered up to 500 DKK per claim.
Outpatient treatment
Covered
General outpatient examination and treatment of a covered acute illness/injury is included with no stated fixed cap. A separate sub-limit of 10,000 DKK per person applies to doctor-prescribed physiotherapy, chiropractic, acupuncture and zone therapy (see product-specific constraints).
Acute pain-relieving dental treatment
DKK 10,000
Acute pain-relieving dental treatment by an authorised dentist to reduce the extent of the injury is covered up to 10,000 DKK per person; bite damage is covered up to only 1,000 DKK per person.
Ambulance/taxi transport to treatment location
Covered
Covers ambulance transport to and from the nearest suitable treatment location (or taxi if ambulance is not medically justified), with no stated fixed ceiling. Must be agreed with the insurer or its alarm centre.
Medically supervised 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, with no stated fixed ceiling. This is distinct from the separate 'Evacuation and detention' cover (max 65,000 DKK per person) that applies to war/unrest/natural-disaster/epidemic situations — see product-specific constraints.
Repatriation of remains
Covered
Covers repatriation of a deceased person including legally required measures (e.g. embalming, zinc coffin). If relatives choose burial or cremation abroad instead, reimbursement is capped at what repatriation would have cost.
Search and rescue
DKK 100,000
Covers reasonable and necessary costs to search for and rescue an insured person who has gone missing, within a 50 km radius of the last known location, provided it is reported to local police and search/rescue is initiated by local or Danish authorities. Covered up to 100,000 DKK per person per trip.
Pre-existing / chronic conditions
Conditional
Acute worsening of an existing or chronic condition is covered only if the condition has been in a stable, good phase for the last 2 months before departure, or if a medical pre-assessment without exclusion clause has been obtained. Otherwise cover may be limited or excluded.
Winter sports (skiing/snowboarding) add-on
Optional
Only in Skisport tilvalg
Injury sustained while skiing or snowboarding is excluded unless the optional 'Skisport' cover has been purchased and appears on the policy; the add-on follows the geographic scope of the base policy.
Adventure/active sports cover
Conditional
Non-professional active-holiday sports (e.g. hiking, cycling, diving, riding) are implicitly covered under the general sickness/injury cover, and losses relating to such activities can trigger 'ruined holiday days' compensation. Skiing/snowboarding specifically requires the separate Skisport add-on, and costs relating to practising or performing professional sport (paid sport) are excluded.
Pregnancy-related complications
Conditional
Treatment costs in connection with childbirth are covered up until 4 weeks before the expected due date; travel undertaken closer to term is not covered for childbirth-related treatment.
Personal liability
DKK 10,000,000
Only in Ansvar, retshjælp og bagage tilvalg
Part of the optional 'Ansvar, retshjælp og bagage' add-on (only relevant if the insured has no home-contents insurance covering travel abroad). Covers personal liability for personal injury up to 10,000,000 DKK per claim, and for damage to property/animals up to 5,000,000 DKK per claim, subject to a 1,500 DKK deductible per claim.
Legal assistance
DKK 150,000
Only in Ansvar, retshjælp og bagage tilvalg
Part of the optional 'Ansvar, retshjælp og bagage' add-on. Covers costs of civil legal disputes arising from the trip abroad, where an advocate has taken on the case, up to 150,000 DKK, subject to a 10% deductible (minimum 2,500 DKK) per dispute. Does not cover ordinary legal advice.
24/7 emergency alarm centre
Covered
A round-the-clock alarm centre (+45 70 15 55 00) can be contacted for urgent help; several covers (transport, evacuation, sygeledsagelse/tilkaldelse, search and rescue) require prior agreement with the insurer or its alarm centre.
Key conditions
Assistance call deadline
Several covers (transport home, homecalling, escort/calling out, search and rescue, evacuation) require that the insurer or its 24/7 alarm centre is contacted and has approved the arrangement before costs are incurred; the alarm centre must be contacted immediately when a search/rescue or evacuation becomes necessary.
Unauthorized treatment
Costs for transport, homecalling, escort or calling-out that have not been agreed with the insurer or its alarm centre are not covered. Additionally, treatment and stay costs are not covered if the treating doctor has approved the insurer's doctor's decision on repatriation but the insured chooses not to follow it.
Purchase while abroad
Cover starts when the insured leaves their residence in Denmark and ends on return home; the policy is not designed to be bought or activated while already abroad. For trips exceeding 60 days, an extended travel insurance must be purchased before the first 60 days of the trip have elapsed.
Chronic conditions
If the insured has a chronic or existing illness/condition, or has been ill or injured shortly before booking or departure, a medical pre-assessment from the insurer may be required to clarify whether the condition is covered.
Pregnancy
Childbirth-related treatment is covered up until 4 weeks before the expected due date. Trip cancellation due to pregnancy discovered after booking is not covered if the due date falls within the travel period or less than 4 weeks before the planned return date.
Pre-existing condition exclusions
Acute worsening of a pre-existing/chronic condition is covered only if the condition was in a stable, good phase for the 2 months before departure, or if a medical pre-assessment without exclusion clause was obtained beforehand.
Coverage duration limit
The standard travel insurance covers the first 60 days of each trip. For trips lasting longer than 60 days, an extended travel insurance (up to 1 year) can be purchased, but it does not cover 'replacement travel' or 'ruined holiday days'.
Policy specifics
Emergency and repatriation transport
Coverage for emergency medical transport and repatriation costs due to acute illness or injury
SourceDoctor-prescribed physiotherapy and alternative treatments
Coverage for doctor-prescribed treatment by physiotherapist, chiropractor, acupuncturist, and zone therapist
SourceDelayed baggage coverage
Coverage for necessary replacement purchases when baggage is delayed more than 5 hours
SourceAdditional expenses due to illness/injury
Coverage for reasonable and necessary additional expenses such as hotel and extended insurance period due to acute illness or injury
SourcePsychological crisis support
Coverage for psychological crisis support through Falck in case of assault, robbery, or accidents
SourceSpoiled vacation days
Coverage for spoiled vacation days when unable to enjoy vacation due to acute illness, injury, or hospitalization
SourceReplacement travel
Coverage for replacement travel when hospitalized for at least half the planned vacation period or early home transport
SourceWorld coverage add-on
Optional add-on to extend coverage from Extended Europe to worldwide coverage
SourceEvacuation and detention
Covers extra costs of evacuation or forced detention when local or Danish authorities recommend evacuation/homecoming due to outbreak of war, war-like conditions, terror, uprising, civil unrest, natural disaster or epidemic
SourceCondition for the Liability, legal aid and baggage add-on
The optional 'Ansvar, retshjælp og bagage' cover (liability, legal aid and baggage) is only relevant to purchase if the insured does not already have a home-contents insurance (indboforsikring) covering them while traveling abroad
SourceMaximum duration of standard coverage
Standard Travel Insurance covers up to 60 days per trip. Extended travel insurance required for longer trips
SourcePre-medical assessment requirement
Medical pre-assessment may be required for coverage if policyholder has pre-existing conditions or recent illness/injury
SourceBusiness and commercial travel exclusion
Travel Insurance does not cover business travel, job search, or professional trips
SourceEU Health Insurance Card requirement
For travel in EU, EEA, Switzerland, and UK, the blue EU health insurance card must be carried
SourceAdd-on to home contents insurance
Travel Insurance is an optional add-on to home contents insurance; not standalone
Source