Pending review

Thisted Forsikring Travel insurance (Aarsrejseforsikring Verden)

Underwritten by Thisted Forsikring A/S · Denmark

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

Verified Sep 1, 2026 · Terms dated 2024-12-01Sources

24/7 helpline

Unique selling points

No deductible applies on most travel insurance claims; search and rescue carries a 10% deductible (minimum DKK 2,500) per claim.

The entire household is covered, including children living away from home under 21 years of age if they live alone.

24-hour access to a Danish-speaking emergency doctor hotline anywhere in the world via Falck Global Assistance.

Standard coverage of 60 days per trip can be extended to 90 or 120 days per trip.

Unlimited insurance sum for acute illness treatment and medical repatriation, rather than a fixed cap.

Coverage limits

Covered

Medical expenses for acute illness or injury

unlimited

Covers reasonable and necessary expenses for acute illness or injury occurring during the trip, including doctor treatment, medicine, hospital stay in a semi-private room, and hospital-ordered treatment including operations. Insurance sum: unlimited.

Clause 3.1Page Side 4

Section: 3. Sygdom > 3.1 Hvilke udgifter dækker rejseforsikringen

I tilfælde af akut sygdom eller tilskadekomst, opstået på rejsen, dækker rejseforsikringen rimelige og nødvendige udgifter til: a) behandling hos læge med autorisation i det land, hvor du bliver behandlet

Covered

Emergency medical treatment abroad

unlimited

Treatment by an authorized doctor in the country of treatment, ambulance transport from the site of illness/accident, and necessary phone calls to relatives during hospitalization are covered under the unlimited illness sum.

Clause 3.1Page Side 5

Section: 3. Sygdom > 3.1 Hvilke udgifter dækker rejseforsikringen

ambulancetransport fra sygdoms-/ulykkesstedet til behandlingsstedet. Ambulancefly skal forinden godkendes af Falck Global Assistance

Covered

Hospitalization

unlimited

Covers hospital stay in a semi-private (two-bed) room and doctor-ordered hospital treatment including operations, within the unlimited illness insurance sum.

Clause 3.1Page Side 4

Section: 3. Sygdom > 3.1 Hvilke udgifter dækker rejseforsikringen

hospitalsophold på tosengsstue (semiprivate) og lægeordineret behandling på hospital - herunder operationer

Covered

Outpatient treatment

unlimited

If Falck's doctor assesses that ambulatory (outpatient) treatment is possible instead of hospital admission, related costs, plus hotel stay and food up to DKK 1,500 per day while awaiting return travel, are covered.

Clause 3.1 kPage Side 5

Section: 3. Sygdom > 3.1 Hvilke udgifter dækker rejseforsikringen

vurderer Falcks læge, at du kan behandles ambulant i stedet for på hospital, eller at du kan opholde dig på hotel efter endt behandling for at afvente hjemrejse eller indhentning af rejserute, dækker rejseforsikringen ophold på hotel samt fortæring med op til 1.500 kr. pr. døgn

Conditional

Emergency dental treatment

DKK 3K

Covers pain-relieving/pain-alleviating dental treatment abroad that cannot wait until return to Denmark, up to DKK 3,000.

Clause 6Page Side 7

Section: 6. Tandlæge og fysioterapi m.m.

Tandlægebehandling 3.000 kr.

Covered

Local medical transport

unlimited

Covers ambulance transport from the scene of illness/accident to the treatment site (ambulance flights require prior approval from Falck), and taxi transport to and from the treatment site up to DKK 1,000.

Clause 3.1 hPage Side 5

Section: 3. Sygdom > 3.1 Hvilke udgifter dækker rejseforsikringen

ambulancetransport fra sygdoms-/ulykkesstedet til behandlingsstedet. Ambulancefly skal forinden godkendes af Falck Global Assistance

Covered

Medical repatriation/evacuation home

unlimited

Covers reasonable extra costs of transport home to residence/hospital in Denmark when Falck's doctor, after contact with the treating doctor, assesses that home transport is necessary and medically justified. Insurance sum: unlimited.

Clause 4.1 aPage Side 6

Section: 4. Hjemtransport > 4.1 Hvilke udgifter dækker rejseforsikringen

ekstraudgifter til hjemtransport til bopæl/hospital i Danmark. Falcks læge vurderer – efter kontakt til behandlende læge – om en hjemtransport er nødvendig og forsvarlig

Covered

Repatriation of remains

unlimited

Covers costs of transport home to an undertaker/crematorium in Denmark in case of death, including statutory measures such as embalming and zinc coffin, or alternatively cremation/burial on site up to the cost of repatriation.

Clause 4.1 bPage Side 6

Section: 4. Hjemtransport > 4.1 Hvilke udgifter dækker rejseforsikringen

udgifter til enten hjemtransport til bedemand/krematorium i Danmark ved dødsfald inkl. udgifter til lovbefalede foranstaltninger fx. balsamering og zinkkiste

Covered

Search and rescue

DKK 100K

Covers necessary expenses up to DKK 100,000 for search and/or rescue, provided the incident is reported to local authorities and Falck Global Assistance approves the companies conducting the search. Maximum payout per event across all insured is DKK 300,000, with a 10% deductible (minimum DKK 2,500) per claim.

Clause 7.4Page Side 8

Section: 7 Personlig sikkerhed > 7.4 Eftersøgning og redning

Rejseforsikringen dækker nødvendige udgifter op til 100.000 kr. til eftersøgning og/eller redning.

COVID-19 treatment

No limit stated

Not explicitly addressed as a separate benefit in the reviewed sources; general epidemic-related evacuation and crisis psychological support are covered, but no specific COVID-19 treatment sum is stated.

Conditional

Pre-existing/chronic conditions

Conditional

Excludes treatment of chronic or pre-existing illnesses that within the last two months before departure led to hospitalization, non-routine doctor evaluation, or changed medication; also excludes conditions under investigation or with a known treatment need before departure.

Clause 3.2 aPage Side 5

Section: 3. Sygdom > 3.2 Rejseforsikringen dækker ikke

til behandling af kroniske eller eksisterende sygdomme, der inden for de sidste to måneder før afrejsen har medført: hospitalsindlæggelse

Winter sports cover

No limit stated

Not addressed in the reviewed sources.

Excluded

Adventure/extreme and professional sports cover

Excluded

Explicitly excludes claims arising from participation in scientific expeditions, practicing or training for professional sport, and mountaineering/mountain climbing.

Clause 18 bPage Side 13

Section: 18. Generelle bestemmelser > Generelle undtagelser

krav opstået i forbindelse med din deltagelse i videnskabelige ekspeditioner, under udøvelse af eller træning til professionel sport samt bjergbestigning og bjergklatring

Covered

Pregnancy complications and premature birth

unlimited

Covers birth, treatment of an unborn child, or a child born prematurely, up to four weeks before expected delivery date; costs are covered under the mother's travel insurance within the unlimited illness sum.

Clause 3.1 ePage Side 4

Section: 3. Sygdom > 3.1 Hvilke udgifter dækker rejseforsikringen

fødsel, behandling af et ufødt barn eller et barn, der er født for tidligt, indtil fire uger før forventet fødselstidspunkt. Udgifterne er dækket under moderens rejseforsikring.

Excluded

Personal liability

Excluded

Personal liability claims on trips are covered under the customer's FamiliePlus policy, not under this travel insurance, and must be reported directly to Thisted Forsikring A/S rather than Falck Global Assistance.

Page Side 2

Section: 1. Et par ord til indledning

Vær opmærksom på, at skader på din bagage samt privatansvarsskader er omfattet af din FamiliePlus-forsikring og skal anmeldes til Thisted Forsikring A/S.

Legal assistance

No limit stated

Not addressed in the reviewed sources.

Covered

24-hour emergency assistance hotline

Covered

Access to Falck's 24-hour Danish medical hotline for serious illness while travelling; the alarm centre in Copenhagen is open 24 hours a day, 365 days a year, worldwide.

Clause 5Page Side 6

Section: 5. Hjælp på stedet – 24 timers lægevagt

Under rejsen har du adgang til Falcks 24 timers danske lægevagt ved alvorlig sygdom.

Key conditions

Assistance call deadline

Falck Global Assistance must generally be contacted as soon as possible; in case of hospitalization, contact is required at the latest within 24 hours (one day) of admission.

Unauthorized treatment

Costs incurred as a result of not following Falck's doctor's instructions are not covered.

Purchase while abroad

The travel insurance must be purchased and paid for before departure; it cannot be taken out or activated while already travelling.

Chronic conditions

Treatment of chronic or existing illnesses is excluded if, within the two months before departure, the condition led to hospitalization, non-routine doctor evaluation/treatment, or changed medication, or if the traveller avoided/refused treatment, was on a waiting list, or missed scheduled check-ups.

Pregnancy

Birth and treatment of an unborn or prematurely born child is covered under the mother's policy up to four weeks before the expected delivery date; provoked abortion is not covered.

Pre-existing condition exclusions

Pre-existing conditions are only covered if the illness has been stable for two months before departure; otherwise medical pre-approval from Falck Global Assistance is required, obtainable at the earliest two months before departure.

Coverage duration limit

Coverage applies to leisure and study trips of up to 60 days per trip worldwide as standard, with an optional extension to 90 or 120 days per trip.

Direct payment

Falck Global Assistance coordinates treatment directly with hospitals/doctors and can provide a payment guarantee to the hospital if necessary; some costs must be paid by the customer and are reimbursed afterwards upon submission of original documentation.

Territorial scope

Covered in Denmark and on trips worldwide

Documents

Terms and Conditions - Annual Travel Insurance World (opens in a new tab)

Terms & conditions · PDF

IPID - Annual Travel Insurance (opens in a new tab)

Product information sheet · PDF

Travel insurance marketing/product page (opens in a new tab)

Other document · PDF

Policy specifics

Acute medical treatment

Coverage for reasonable and necessary treatment expenses in case of acute illness and injury

Source

Section: Tag trygt ud i verden med en god rejseforsikring

Med forsikringen får du dækning på rimelige og nødvendige behandlingsudgifter ved akut sygdom og tilskadekomst, hjemtransport ved sygdom og dødsfald - og så har du adgang til vores alarmcentral 24 timer i døgnet.

Home repatriation and transport

Coverage for emergency transport home in case of serious illness or death

Source

Section: Tag trygt ud i verden med en god rejseforsikring

Med forsikringen får du dækning på rimelige og nødvendige behandlingsudgifter ved akut sygdom og tilskadekomst, hjemtransport ved sygdom og dødsfald - og så har du adgang til vores alarmcentral 24 timer i døgnet.

Trip cancellation coverage (optional add-on)

Optional cancellation insurance covering pre-paid trip costs up to DKK 50,000-110,000 depending on plan

Source

Section: Vær forberedt til ferien med en afbestillingsforsikring

Du skal være opmærksom på at den maksimale dækningssum er på 50.000 kroner for alle policens sikrede pr. rejse. Denne dækningssum kan udvides.

Baggage delay coverage

Coverage for expenses related to delayed baggage on outbound journey

SourcePage 1

- Forsinket bagage på udrejsen

Crisis psychological assistance

Up to three psychologist sessions after return from crisis situations (catastrophe, terrorism, war, major accident)

Source

Section: Når du er hjemme igen > Har dine oplevelser fra ferien sat sig psykisk?

Har du været udsat for en naturkatastrofe, terroraktion, krig eller lignende, gidseltagning, livstruende epidemi eller en større ulykke på din ferie, kan rejseforsikringen give op til tre gange krisepsykolog efter hjemkomsten.

Maximum trip duration

Coverage extends to private holiday trips and study trips up to 60 days per trip worldwide

Source

Section: Hvem dækker rejseforsikringen?

Og den dækker ferierejser og studierejser i op til 60 dages varighed pr. rejse i hele verden og ferierejser i Danmark.

Pre-existing condition requirement

Coverage only if chronic illness has been stable for 2 months prior to departure; medical pre-approval required otherwise

Source

Section: Få svar på alle dine spørgsmål om rejseforsikring > Jeg er syg og skal rejse. Skal jeg have en forhåndsgodkendelse?

Thisted Forsikrings rejseforsikring giver dog mulighed for dækning uanset din helbredssituation. Det kræver dog at sygdommen har været stabil op til rejsen.

Household coverage scope

Coverage extends to entire household including step-children without folk registration and children under 21 living away from home (if living alone)

Source

Section: Få svar på alle dine spørgsmål om rejseforsikring > Hvordan er mine børn dækket af rejseforsikringen?

Derudover er delebørn omfattet uanset om de bor hos mor eller far, ligesom udeboende børn under 21 år er omfattet, så længe de bor alene.

No excess/deductible on claims

The policy has no excess (deductible) on most travel insurance claims, except search and rescue, which carries a 10% deductible (minimum DKK 2,500) per claim.

SourceClause 7.4Page Side 8

Section: 7 Personlig sikkerhed > 7.4 Eftersøgning og redning

Der er på alle skadetilfælde under dette punkt en selvrisiko på 10 % - dog minimum 2.500 kr. pr. skadetilfælde.

Claims notification procedure

Claims must be reported directly to Falck Global Assistance via online form or phone +45 70 22 60 90; 24/7 availability

Source

Section: Når du er hjemme igen > Skadeanmeldelse efter hjemkomst?

Du skal anmelde din skade direkte til Falck Global Assistance. Det gør du via deres onlineformular eller ved at ringe til dem på +45 70 22 60 90.

Purchase deadline

Travel insurance must be purchased and paid for before departure date; coverage commences when leaving residence for travel

Source

Section: Hvornår træder rejseforsikringen i kraft?

Husk også, at rejseforsikringen skal være købt og betalt inden afrejse.

Assistance provider

Falck Global Assistance operates the 24-hour alarm center and coordinates all assistance and claims

Source

Section: Mens du er afsted > Skal du have akut hjælp i udlandet?

Har du brug for hjælp på ferien, skal du kontakte Falck Global Assistance. De er klar til at hjælpe dig alle dage.

Sources

Thisted Forsikring Travel insurance

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