Pending review

Storstrøm Forsikring Travel insurance (Aarsrejseforsikring Standard)

Underwritten by Storstrøm Forsikring g/s · Denmark

travel insurance from Storstrøm Forsikring for the Denmark market.

Verified Sep 1, 2026 · Terms dated 2026-03Sources

Unique selling points

Unlimited sum insured for medical treatment, hospitalization and repatriation abroad, with no fixed monetary cap on the core illness/injury cover.

Covers many adventure and extreme sports (mountaineering, parachuting, scuba diving, rafting, martial arts, etc.) as part of the standard annual policy, without requiring a special sports add-on.

Optional ski/winter sports add-on offers unlimited compensation for ruined holiday days due to injury.

Coverage limits

Covered

Medical expenses (illness/injury, death and repatriation)

unlimited

Unlimited sum insured for reasonable and necessary costs abroad due to acute illness or injury, including death and repatriation, subject to listed exclusions (e.g. chronic conditions without pre-approval).

Clause 8Page 12

Section: 8. Sygdom/tilskadekomst, dødsfald og hjemtransport > Forsikringen dækker ikke følgende udgifter

Ubegrænset forsikringssum, dog med begrænsede udgifter jf. ovennævnte punkter under 'Forsikringen dækker ikke udgifter til'.

Covered

Emergency medical treatment abroad

unlimited

Covers treatment by a doctor authorised in the country visited and doctor-prescribed medicine, with unlimited sum insured subject to policy exclusions.

Clause 8.3Page 10

Section: 8. Sygdom/tilskadekomst, dødsfald og hjemtransport > Hvilke udgifter dækker rejseforsikringen?

Behandling hos læge autoriseret i det pågældende land og lægeordineret medicin.

Covered

Hospitalization

unlimited

Doctor-prescribed hospital stay and treatment in a two-bed room is covered with an unlimited sum insured, unless another arrangement has been agreed with the insurer's doctor.

Clause 8.4Page 10

Section: 8. Sygdom/tilskadekomst, dødsfald og hjemtransport > Hvilke udgifter dækker rejseforsikringen?

Lægeordineret ophold og behandling på et hospital på tosengsstue, medmindre andet er aftalt med en læge, der har aftalt det med os.

Covered

Outpatient treatment

unlimited

Outpatient doctor consultations and prescribed medicine abroad are covered under the same unlimited sum insured as the general illness/injury cover.

Clause 8.3Page 10

Section: 8. Sygdom/tilskadekomst, dødsfald og hjemtransport > Hvilke udgifter dækker rejseforsikringen?

Behandling hos læge autoriseret i det pågældende land og lægeordineret medicin.

Covered

Emergency dental treatment / physiotherapy / chiropractic

DKK 5K

Necessary acute pain-relieving dental treatment abroad is covered up to 5,000 DKK per person (max 1,000 DKK for chewing-related damage); specialist treatment (e.g. crown/root canal) requires pre-approval. Doctor-prescribed physiotherapy/chiropractic treatment is covered up to 5 treatments and max 5,000 DKK in total.

Clause 18Page 20

Section: 18. Tandbehandling/fysioterapi eller kiropraktik > Erstatningssum

Smertestillende tandbehandling, maksimum 5.000 kr. pr. person, dog maksimum 1.000 kr. pr. person ved tyggeskader. Lægeordineret fysioterapi eller kiropraktik, maks. fem behandlinger og i alt maksimum 5.000 kr.

Covered

Medical transport to treatment site

unlimited

Ambulance transport from the site of illness/accident to the treatment site, and onward sick transport to the nearest suitable treatment facility, are covered under the unlimited sum insured.

Clause 8.7Page 11

Section: 8. Sygdom/tilskadekomst, dødsfald og hjemtransport > Hvilke udgifter dækker rejseforsikringen?

Transport med ambulance fra sygdoms- eller ulykkesstedet til behandlingsstedet.

Covered

Medical repatriation transport to Denmark

unlimited

Transport home to Denmark by regular transport, ambulance or ambulance aircraft is covered with an unlimited sum insured; the insurer chooses the mode of transport and arranges the repatriation.

Clause 8.9Page 11

Section: 8. Sygdom/tilskadekomst, dødsfald og hjemtransport > Hvilke udgifter dækker rejseforsikringen?

Transport til Danmark med almindeligt transportmiddel, ambulance eller ambulancefly. Vi vælger transportmåden og formidler hjemtransporten.

Covered

Repatriation of remains

unlimited

Transport to Denmark in the event of death is covered under the unlimited sum insured for illness/injury and death.

Clause 8.10Page 11

Section: 8. Sygdom/tilskadekomst, dødsfald og hjemtransport > Hvilke udgifter dækker rejseforsikringen?

Transport til Danmark ved død.

Covered

Search and rescue

DKK 300K

Covers necessary costs of searching for the insured (up to 14 days, within 50 km of the last known location) and rescue/pick-up once located, after being reported missing to police for at least 24 hours. Maximum 100,000 DKK per insured person, maximum 300,000 DKK per event; a 10% deductible applies (minimum 2,500 DKK).

Clause 15Page 17

Section: 15. Eftersøgning og redning > Erstatningssum

Maksimum 100.000 kr. pr. forsikrede, dog maksimum 300.000 kr. pr. forsikringsbegivenhed. Beløbene indeksreguleres ikke. Ved enhver skade under denne dækning gælder en selvrisiko på 10% af de samlede udgifter, dog minimum 2.500 kr.

COVID-19 treatment

No limit stated

The policy terms do not specifically mention coverage for COVID-19 treatment.

Conditional

Pre-existing / chronic conditions

Conditional

Treatment of chronic or existing illnesses is only covered if a prior medical approval (forhåndsgodkendelse) has been obtained where, within 2 months before departure, the insured was hospitalised, assessed/treated by a doctor, had medication changed, or was placed on a waiting list. Without approval, related treatment within 2 months (EU/EEA) or 6 months (rest of world) before departure is excluded.

Clause 8Page 11

Section: 8. Sygdom/tilskadekomst, dødsfald og hjemtransport > Forsikringen dækker ikke følgende udgifter

Behandling af kroniske eller eksisterende sygdomme - medmindre der foreligger en forhåndsgodkendelse jf. pkt. 1.1. - der indenfor de sidste to måneder (EU/EØS-lande) eller seks måneder (resten af Verden) før afrejsen har medført: Hospitalsindlæggelse, Vurdering/behandling hos læge, Ændret medicinering

Optional

Ski and other winter sports cover (add-on)

unlimited

Optional add-on providing unlimited economic compensation (trip price per day) for ruined holiday days if the insured is hospitalised, repatriated, recalled home, or becomes acutely ill/injured and cannot pursue the trip's main purpose. Also refunds pre-paid, non-refundable planned activities/rented equipment (max 2,000 DKK) and rental of replacement sports equipment for delayed baggage (max 1,000 DKK/day, total max 3,000 DKK).

Clause 24Page 22

Section: 24. Ski og anden sport (tilvalg)

Forsikringen omfatter kun ski og anden sport, hvis det fremgår af forsikringsaftalen (policen). 24.1. Den maksimale dækning: ubegrænset.

Covered

Dangerous/adventure sports cover

unlimited

Training or participation in listed dangerous sports (e.g. motor/ATV racing, boxing/martial arts, bungee jumping, mountain climbing, parachuting, hang-gliding, paragliding, rafting, scuba diving) is covered as standard, under the same unlimited sum insured, without needing a separate add-on. Professional sport and expeditions remain excluded.

Clause 4.2Page 6

Section: 4. Hvilke rejser og aktiviteter dækker forsikringen > 4.2. Aktiviteter

Forsikringen dækker træning eller deltagelse i følgende typer af farlige sportsaktiviteter

Covered

Pregnancy, birth and premature birth

unlimited

Treatment related to pregnancy and birth is covered up to one month before the expected due date; treatment of a baby born more than one month early is also covered under the unlimited sum insured.

Clause 8.5Page 11

Section: 8. Sygdom/tilskadekomst, dødsfald og hjemtransport

Behandling i forbindelse med graviditet og fødsel i indtil en måned før det forventede fødselstidspunkt.

Covered

Liability for damage to rented holiday accommodation

DKK 2M

Covers legal liability as a private person for damage to inventory/building parts of a rented holiday home, hotel room, tent or mobile home/caravan while in the insured's custody, up to 2,000,000 DKK per event. This is a limited liability cover for rented holiday accommodation, not a general third-party personal liability cover.

Clause 22Page 22

Section: 22. Ansvar for skade på lejet feriebolig > Erstatningssum

Erstatningen kan udgøre maksimum 2.000.000 kr. i alt pr. forsikringsbegivenhed. Beløbet indeksreguleres ikke.

Covered

Security bond / bail assistance

DKK 100K

Provides an interest-free loan of up to 100,000 DKK to post security/bail to release the insured or their belongings from detention by local authorities. This is a bail-bond facility, not general legal expenses/legal aid cover.

Clause 21Page 21

Section: 21. Sikkerhedsstillelse > Erstatningssum

Der kan stilles sikkerhed for maksimum 100.000 kr. Beløbet indeksreguleres ikke.

24/7 assistance hotline

No limit stated

The policy instructs the insured to report any claim situation immediately via storstrom.dk or by phone; it does not state that the hotline operates 24/7.

Clause 7Page 8

Section: 7. Hvordan beregnes erstatningen? > Hvordan anmeldes skaden?

Enhver situation der kan give anledning til erstatning skal omgående anmeldes til os via storstrom.dk eller på telefon 55 55 88 88.

Key conditions

Assistance call deadline

Any situation that may give rise to a claim must be reported immediately to Storstrøm Forsikring via storstrom.dk or by phone (55 55 88 88).

Unauthorized treatment

Costs are excluded if the insured does not follow the instructions of the treating doctor or the company's doctor, if transport is not approved by the insurer, or if the insured refuses repatriation once the company's doctor has decided it can take place.

Purchase while abroad

The reviewed documents do not address purchasing the policy while already abroad; the travel insurance is established as an addition to home contents insurance (indboforsikring) held in Denmark and covers the same group of persons.

Chronic conditions

Pre-approval (forhåndsgodkendelse) is required for chronic or existing illnesses that within the last 2 months before departure led to hospitalisation, doctor assessment/treatment (not routine control), a change of medication, or being placed on a waiting list; approval applies only to the specific trip.

Pregnancy

Pregnancy and birth are covered up to one month before the expected due date; treatment of a baby born more than one month prematurely is also covered.

Pre-existing condition exclusions

Treatment of chronic or pre-existing illnesses/conditions is excluded unless pre-approved, and is also excluded if the insured has not sought treatment, has been refused or given up treatment, is on a waiting list, or has missed check-up appointments within the last six months.

Coverage duration limit

The annual travel policy covers each trip for up to 60 days; by agreement and for an additional premium the period can be extended up to 90 days.

SourceClause 3Page 6

Section: 3. Hvornår dækker forsikringen

Forsikringen dækker i op til 60 dage. Dæknings-/rejseperioden kan forlænges i op til 90 dage efter aftale, og mod et præmietillæg.

Direct payment

For hospitalization requiring inpatient treatment, a doctor arranges further treatment and possible transfer directly with the hospital/treating doctor on the insurer's behalf. For treatment not requiring hospitalization, the insured pays upfront and is reimbursed after submitting a medical certificate, copies of prescriptions, an expense list and original invoices.

Territorial scope

The policy covers trips anywhere in the world. Domestic trips within Denmark are covered only for specific sections (recall of relatives, sickness companion, baggage delay, and cancellation insurance if chosen) - other cover such as illness/hospitalization abroad does not apply within Denmark.

Documents

Terms and Conditions No. 7101 (March 2026) (opens in a new tab)

Terms & conditions · PDF

Insurance Product Information Document (IPID) (opens in a new tab)

Product information sheet · PDF

Policy specifics

Ski sports coverage

Optional add-on providing compensation for lost holiday days if insured cannot ski due to injury, plus coverage for ski lift passes and equipment rental

Source

Section: Tilvalg

Med tilvalget får du kompensation for ødelagte feriedøgn, hvis du kommer til skade og ikke kan stå på ski som planlagt. Udgifter til liftkort og skileje kan du også få dækket, hvis du ikke kan få dem refunderet af skisportsstedet.

Trip cancellation insurance

Optional add-on covering trip cancellation expenses from booking until departure for covered reasons such as illness

Source

Section: Spørgsmål og svar > Rejseforsikring

Afbestillingsforsikringen er en tilvalgsdækning til vores rejseforsikring.

Medical pre-assessment for pre-existing conditions

Pre-existing conditions requiring treatment/hospitalization within 2 months before departure or new conditions without medical consultation before departure require prior medical assessment by insurer

Source

Section: Er du klar til at rejse? Medicinsk forhåndsvurdering

Vi anbefaler medicinsk forhåndsvurdering hos os, ved lidelser der har krævet behandling og/eller indlæggelse indenfor 2 mdr. før afrejse, eller ved nyopstået sygdom eller tilskadekomst, hvor der ikke er opsøgt læge, eller stillet diagnose, før afrejse (Fuldt overblik findes i betingelserne).

Insurer-managed repatriation transport

Storstrøm chooses the mode of transport and arranges repatriation to Denmark (regular transport, ambulance or air ambulance), covered under the unlimited sum insured.

SourceClause 8.9Page 11

Section: 8. Sygdom/tilskadekomst, dødsfald og hjemtransport > Hvilke udgifter dækker rejseforsikringen?

Transport til Danmark med almindeligt transportmiddel, ambulance eller ambulancefly. Vi vælger transportmåden og formidler hjemtransporten.

Maximum trip duration

Annual travel insurance covers trips up to 60 days per individual trip; coverage period can be extended up to 90 days total with agreement and premium supplement

SourceClause 3Page 6

Section: 3. Hvornår dækker forsikringen

Forsikringen dækker i op til 60 dage. Dæknings-/rejseperioden kan forlænges i op til 90 dage efter aftale, og mod et præmietillæg.

Travel to restricted destinations not covered

No coverage for trips to destinations where Seruminstitut (Danish State Serum Institute) or similar Danish public authority advises against travel, including areas with war, civil unrest, etc.

SourceClause 5.1Page 7

Section: 5. Generelle undtagelser > 5.1. Rejser som de danske myndigheder fraråder

Forsikringen dækker ikke rejser til et område, som Det Danske Udenrigsministerium, Statens Seruminstitut eller lignende offentlig dansk myndighed fraråder private personer at rejse til.

Limited coverage for domestic travel in Denmark

Annual travel insurance provides reduced coverage for holiday trips within Denmark compared to international trips

Source

Section: Spørgsmål og svar > Rejseforsikring

Ja, din rejseforsikring dækker også ferierejser i Danmark dog i et mere begrænset omfang end for rejser uden for Danmark.

Sources