Pending review

Runa Forsikring Travel insurance (Travel Medical Standard)

Underwritten by LB Forsikring A/S · Denmark

travel insurance from Runa Forsikring for the Denmark market, with 24/7 assistance.

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

24/7 helpline

Unique selling points

Rated 'Bedst i Test' 2026 for its 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, always included.

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

Covered

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).

Clause 3Page 6

Section: 3. Sygdom og tilskadekomst

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

Covered

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.

Clause 3Page 6

Section: 3. Sygdom og tilskadekomst

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

Covered

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.

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

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).

Clause 3Page 6

Section: 3. Sygdom og tilskadekomst

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

Covered

Acute pain-relieving dental treatment

DKK 10K

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.

Clause 3Page 6

Section: 3. Sygdom og tilskadekomst

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/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.

Clause 6Page 9

Section: 6. Syge- og hjemtransport

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

Covered

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.

Clause 6Page 9

Section: 6. Syge- og hjemtransport

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 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.

Clause 6Page 9

Section: 6. Syge- og hjemtransport

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 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.

Clause 14Page 18

Section: 14. Redning og eftersøgning

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

COVID-19 treatment

No limit stated

Not separately addressed in the reviewed policy documents.

Conditional

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.

Clause 3Page 6

Section: 3. Sygdom og tilskadekomst

Til behandling og undersøgelse ved akut forværring af eksisterende sygdom eller 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) add-on

Optional

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.

Page 5

Section: 2. Hvem, hvornår, hvilke, hvor og hvad? > F. Hvad dækker forsikringen ikke?

Tilskadekomst sket, når du står på ski eller snowboard, medmindre du har købt tilvalgsdækningen Skisport.

Conditional

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.

Conditional

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.

Clause 3Page 6

Section: 3. Sygdom og tilskadekomst

I forbindelse med fødsel indtil 4 uger før forventet termin.

Optional · Ansvar, retshjælp og bagage tilvalg

Personal liability

DKK 10M

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.

Clause 26Page 33

Section: 26. Ansvar > 4. 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.

Optional · Ansvar, retshjælp og bagage tilvalg

Legal assistance

DKK 150K

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.

Clause 27Page 34

Section: 27. Retshjælp > 4. 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 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.

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

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. 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 > 1. 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

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'.

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.

Territorial scope

Extended Europe includes the EU/EEA countries plus additional European and neighbouring countries (e.g. Turkey, Russia, Georgia, the Canary Islands and the Azores); other overseas islands are excluded. Worldwide cover can be added.

Documents

Travel Insurance - Insurance Product Information Document (PID) (opens in a new tab)

Product information sheet · PDF

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

Terms & conditions · PDF

Travel Insurance product page (opens in a new tab)

Other document · PDF

Policy specifics

Emergency and repatriation transport

Coverage for emergency medical transport and repatriation costs due to acute illness or injury

Source

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

Dækker rimelige og nødvendige udgifter til behandling og undersøgelse ved akut sygdom og tilskadekomst.

Acute dental treatment

Coverage for acute pain-relieving dental treatment with regional limits

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.

Doctor-prescribed physiotherapy and alternative treatments

Coverage for doctor-prescribed treatment by physiotherapist, chiropractor, acupuncturist, and 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.

Delayed baggage coverage

Coverage for necessary replacement purchases when baggage is delayed more than 5 hours

Source

Additional 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

Source

Psychological crisis support

Coverage for psychological crisis support through Falck in case of assault, robbery, or accidents

Source

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

Du kan få telefonisk psykologisk krisehjælp gennem Falck, hvis du for eksempel bliver overfaldet eller involveret i en ulykke.

Spoiled vacation days

Coverage for spoiled vacation days when unable to enjoy vacation due to acute illness, injury, or hospitalization

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 travel

Coverage for replacement travel when hospitalized for at least half the planned vacation period or early home transport

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.

Winter sports coverage add-on

Optional add-on coverage for winter sports and skiing activities

Source

Section: Nyttig viden til rejsen

For at være dækket på skiferien, skal du tilvælge Skisport på din rejseforsikring.

World coverage add-on

Optional add-on to extend coverage from Extended Europe to worldwide coverage

Source

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

Rejs trygt, også uden for Europa. Når du tilvælger Verden, følger dækningerne med dig – uanset hvor du rejser hen.

Trip cancellation/cancellation insurance add-on

Optional add-on coverage for trip cancellation

Source

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

Dækker bl.a., hvis en rejse må afbestilles pga. akut sygdom eller tilskadekomst.

Evacuation 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

SourceClause 15Page 19

Section: 15. Evakuering og tilbageholdelse

Forsikringen dækker rimelige og nødvendige ekstraudgifter til evakuering, når de lokale eller danske myndigheder anbefaler evakuering eller hjemrejse fra et område, hvor der udbryder eller er overhængende fare for: Udbrud af krig

Condition 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

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

Maximum duration of standard coverage

Standard Travel Insurance covers up to 60 days per trip. Extended travel insurance required for longer trips

SourcePage 4

Section: 2. Hvem, hvornår, hvilke, hvor og hvad? > B. Hvornår dækker forsikringen?

Rejseforsikringen dækker de første 60 dage af din rejse.

Pre-medical assessment requirement

Medical pre-assessment may be required for coverage if policyholder has pre-existing conditions or recent illness/injury

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.

Business and commercial travel exclusion

Travel Insurance does not cover business travel, job search, or professional trips

Source

Section: Find svar i FAQ

Rejseforsikringen dækker primært ferierejser og studieophold. Forsikringen dækker fx ikke rene erhvervsrejser, behandlingsrejser og guideophold.

EU Health Insurance Card requirement

For travel in EU, EEA, Switzerland, and UK, the blue EU health insurance card must be carried

Source

Household coverage scope

Travel Insurance covers the entire household at one annual price

Source

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

Rejseforsikringen er en årsrejseforsikring, der dækker alle familiens rejser.

Add-on to home contents insurance

Travel Insurance is an optional add-on to home contents insurance; not standalone

Source

Sources