TJM Forsikring Travel insurance (Aarsrejseforsikring)
Underwritten by TJM Forsikring · Denmark
travel insurance from TJM Forsikring for the Denmark market, with online purchase and 24/7 assistance.
Last verified Sep 1, 2026Sources
Unique selling points
Rated 'meget god' (very good) by the Danish Consumer Council (Forbrugerrådet Tænk) specifically on the cancellation cover parameter.
Danish-staffed alarm centre available around the clock, every day of the year, for emergencies abroad.
Tryg Lægehotline (a Danish-language medical helpline) is included in every package, even far from home.
Choosing the Super tier includes one free vaccine dose (plus consultation fee) for every household member on the policy.
Coverage extends to an extra travelling companion who is not part of the insured household, not just registered family members.
Coverage limits
Medical expenses abroad
Covered
No limit stated
Covers hospital stays, medical treatment, medicine and surgery in connection with acute illness or injury occurring on the trip; the sources do not state a specific monetary cap.
Section: Vælg den pakke, der passer bedst til dig > Sygdom og tilskadekomst m.v.
Dækker hospitalsophold, lægebehandling, medicin og operation i forbindelse med sygdom eller tilskadekomst, der opstår akut på rejsen.
Emergency medical treatment
Covered
Covers costs of treatment by a doctor or at a hospital if the insured falls acutely ill or is injured while on holiday abroad.
Section: Sygdom og tilskadekomst
Vores rejseforsikringer dækker udgifter til behandling hos læge eller på hospital, hvis du bliver akut syg eller kommer til skade på din ferie i udlandet.
Hospitalization abroad
Covered
No limit stated
Covers hospital stays for acute illness or injury in all three tiers; Rejse Udvidet and Rejse Super additionally reimburse the whole trip if hospitalized for more than half of the holiday, or the lost holiday days if hospitalized for a shorter period.
Section: Ødelagt rejse
Med vores Rejseforsikring Udvidet og Super kan du også få erstattet hele ferierejsen, hvis du bliver syg eller kommer til skade og er indlagt på et hospital i mere end halvdelen af rejsen. Er du indlagt kortere tid, kan du få erstattet de ødelagte feriedage.
Outpatient treatment (physiotherapy)
Covered
No limit stated
The travel insurance can also cover treatment by a physiotherapist in addition to acute doctor/hospital treatment.
Section: Sygdom og tilskadekomst
Herudover kan du med vores rejseforsikring være dækket for behandling hos fysioterapeut og akut tandbehandling.
Emergency dental treatment
Covered
No limit stated
The travel insurance can cover acute dental treatment occurring during the trip.
Section: Sygdom og tilskadekomst
Herudover kan du med vores rejseforsikring være dækket for behandling hos fysioterapeut og akut tandbehandling.
Ambulance / local medical transport
Covered
No limit stated
When the policy covers illness, injury or death, it also covers costs of ambulance or local transport to and from the nearest suitable hospital or treatment location.
Section: Vælg den pakke, der passer bedst til dig > Sygdom og tilskadekomst m.v.
Når forsikringen dækker sygdom, tilskadekomst eller dødsfald, dækkes også udgifter til ambulance eller lokal transport til og fra nærmeste egnede hospital eller behandlingssted – samt udgifter, så du kan blive transporteret hjem.
Evacuation and involuntary stay
Covered
No limit stated
Covers costs of transport, accommodation and meals so the insured can be evacuated when the Danish Ministry of Foreign Affairs recommends evacuation from the area.
Section: Vælg den pakke, der passer bedst til dig > Sygdom og tilskadekomst m.v.
Dækker udgifter til transport, ophold og forplejning, så du kan blive evakueret, når det danske udenrigsministerium anbefaler evakuering derfra, hvor du opholder dig.
Repatriation / transport home
Covered
No limit stated
When the policy covers illness, injury or death, it also covers costs so the insured (or remains) can be transported home to Denmark.
Section: Vælg den pakke, der passer bedst til dig > Sygdom og tilskadekomst m.v.
Når forsikringen dækker sygdom, tilskadekomst eller dødsfald, dækkes også udgifter til ambulance eller lokal transport til og fra nærmeste egnede hospital eller behandlingssted – samt udgifter, så du kan blive transporteret hjem.
Search and rescue
Covered
No limit stated
Covers costs of a search within a radius of 50 km from where the insured was last seen; once the location is established, rescue costs are also covered.
Section: Vælg den pakke, der passer bedst til dig > Sygdom og tilskadekomst m.v.
Dækker udgifter til eftersøgning inden for en radius af 50 km fra det sted, du sidst er blevet set. Når dit opholdssted er blevet fastlagt, dækkes udgifter til redning af dig.
COVID-19 treatment
No limit stated
Sources reference how the policy handles COVID-19 in relation to cancellation before departure, but do not specify medical treatment coverage terms for COVID-19 abroad.
Pre-existing/chronic conditions (medical cover)
No limit stated
Sources describe a health-status requirement (must be fit to travel) but do not clarify how pre-existing conditions affect the medical treatment benefit specifically; the 2-month stability rule found relates to the cancellation cover, not medical expenses.
Winter sports (skiing/snowboarding)
No limit stated
TJM defines an 'active holiday' as one where the main purpose is skiing/snowboarding, diving, trekking, golf, cycling, hunting, fishing, sailing or riding, and separately states the travel insurance covers illness or injury 'also for dangerous sports', but it is unclear from the sources whether this is included by default or requires selection.
Section: Vælg den pakke, der passer bedst til dig > Super
Aktiv ferie er, når rejsens hovedformål er at stå på ski/snowboard, dykke, vandre/trekking, spille golf, cykle, gå på jagt, fiske, dyrke sejlsport, ridning eller anden sport.
Adventure / dangerous sports
No limit stated
TJM states the travel insurance covers illness or injury 'also for dangerous sports' such as diving, hiking/trekking and other sport, but the sources do not clarify whether this applies to all tiers or is a selectable extra.
Section: Hvad dækker en rejseforsikring til Europa?
Farlig sport
Personal/third-party liability
Covered
No limit stated
If the insured causes an accident abroad (e.g. driving into another car), the annual travel insurance also covers this via the liability cover, which is part of the base coverage.
Section: Skal du på skiferie?
Kommer du til at køre ind i andre, dækker årsrejseforsikringen dig også via ansvarsforsikringen, som også er en del af grunddækningen.
Legal assistance
No limit stated
Not specifically addressed for the travel insurance in the sources reviewed; TJM offers a separate legal-expenses insurance product (retshjælpsforsikring).
24/7 Danish-staffed alarm centre
Covered
A Danish-staffed 24-hour alarm centre (Tryg Alarm) is ready to help, e.g. if the insured needs to be sent home or to hospital abroad, and can be called around the clock.
Section: Dine fordele i rejseforsikringen
Vores danskbemandede 24 timers-vagtcentral er klar til at hjælpe dig, hvis du for eksempel skal hjem eller på hospital i udlandet.
Key conditions
Assistance call deadline
No specific reporting deadline is stated; the sources instruct customers to call the Danish-staffed Tryg Alarm helpline, which can be reached around the clock, as soon as illness, injury or another emergency occurs abroad.
Unauthorized treatment
Not specified in the sources reviewed.
Purchase while abroad
Not specified in the sources reviewed.
Chronic conditions
For the cancellation cover (afbestilling), a sudden worsening of a chronic illness after booking can be claimed only if the illness had been stable for 2 months before the trip was booked; a medical pre-assessment must be completed before travel to confirm this.
Pregnancy
Not specified in the sources reviewed.
Pre-existing condition exclusions
To be covered by the travel insurance, the insured must be healthy enough to travel both at the time the insurance is purchased and when departing; customers in doubt about their health can complete an electronic health assessment.
Coverage duration limit
The annual travel insurance covers trips of up to 60 consecutive days regardless of how often the insured travels; the trip period can be changed to a maximum of 365 days by contacting customer service for longer trips.
Direct payment
The Danish-staffed 24/7 alarm centre assists directly with contact to the foreign hospital, and the policy reimburses own-payment (egenbetaling) of doctor or hospital bills not covered elsewhere.
Territorial scope
Covers the geographic Europe, Faroe Islands, Greenland, UK, Ireland, Malta, Canary Islands, Azores, Madeira, all of Turkey and Cyprus, Russia up to the Urals, Belarus, Ukraine and Kazakhstan under the Europe option, or worldwide including the USA excluding the North Pole, South Pole and Antarctica under the World option.
Documents
Find your insurance terms and conditions (including Årsrejse PAT2) (opens in a new tab)
Terms & conditions · PDF
Product information sheets (IPID) overview (opens in a new tab)
Product information sheet · PDF
What does travel insurance cover - benefits overview (opens in a new tab)
Table of benefits · PDF
Policy specifics
Flight cancellation
Optional coverage that reimburses prepaid travel costs if cancellation occurs before departure
SourceSection: Særligt om afbestilling
Dækningen Afbestilling skal være tilvalgt, inden du bestiller en rejse, for at du er omfattet af dækningen på rejsen.
Baggage delay
Coverage for essential expenses (clothing, toiletries) if baggage is delayed more than specified hours
SourceSection: Hvordan dækker forsikringen, hvis min indtjekkede bagage er forsinket?
Dækningen ”Forsinkelse” dækker, når din bagage eller andet udstyr er forsinket i mere end tre timer i forhold til din ankomst til rejsemålet. Forsikringen dækker de udgifter til køb af tøj og toiletartikler, som du har behov for på grund af forsinkelsen.
Emergency medical treatment
Covers medical treatment abroad if acute illness or injury occurs during travel
SourceSection: Sygdom og tilskadekomst
Vores rejseforsikringer dækker udgifter til behandling hos læge eller på hospital, hvis du bliver akut syg eller kommer til skade på din ferie i udlandet.
Emergency repatriation
Covers transport costs to return home to Denmark if serious illness or injury occurs abroad
SourceSection: Sygdom og tilskadekomst > Syge- og hjemtransport
Når forsikringen dækker sygdom, tilskadekomst eller dødsfald, dækkes også udgifter til ambulance eller lokal transport til og fra nærmeste egnede hospital eller behandlingssted – samt udgifter, så du kan blive transporteret hjem til Danmark.
Companion assistance (called-in relative)
Covers calling in and accommodation for up to 2 companions from home (max 1 if a travelling companion is already acting as carer), applying to acute illness, hospitalization or death of any co-insured on the trip.
SourceSection: Vælg den pakke, der passer bedst til dig > Sygdom og tilskadekomst m.v.
Dækker tilkaldelse af og ophold for op til 2 sygeledsagere hjemmefra – højst 1 person, hvis der samtidig er en medrejsende, der er sygeledsager. Dette gælder ved akut sygdom, hospitalsindlæggelse eller dødsfald for alle medforsikrede, der er med på rejsen.
Flight delay/cancellation compensation (Rejse Super)
Rejse Super pays a fixed amount if arrival at the final destination is delayed more than 3 hours due to flight delay, cancellation or overbooking: 3,000 kr. for intra-Europe trips or 4,500 kr. for trips to/from Europe.
SourceSection: Flykompensation
Vores Rejse Super dækker, hvis du ankommer til det endelige rejsemål mere end 3 timer senere end planlagt, fordi dit fly enten er forsinket, aflyst eller overbooket - du får 3.000 kr. for rejser internt i Europa, eller 4.500 kr. for rejser til eller fra Europa.
Included vaccine (Rejse Super)
Choosing Rejse Super includes one optional vaccine dose plus consultation fee for every member of the household registered on the policy.
SourceNår du køber Rejseforsikring Super får du 1 dosis vaccine inkl. konsultationsgebyr med i købet, til hver person der bor i din husstand og er registreret på forsikringen på det tidspunkt du køber den.
Maximum trip duration
Travel insurance covers trips up to 60 days duration; extension available up to 365 days
SourcePrior health status requirement
To be covered, customer must be healthy enough to travel at time of purchase and at departure
SourceSection: Mest relevante spørgsmål
Det gælder fx, hvis du har en kronisk eller bestående sygdom, eller du inden for de sidste to måneder har været i kontakt med læge, hospital eller anden behandler i forbindelse med sygdom, eller fordi du er kommet til skade.
Geographic coverage area
Coverage available for either Europe or worldwide, excluding certain areas (North/South Pole, Antarctica)
SourceSection: Vælg den pakke, der passer bedst til dig
Rejseforsikringen dækker hele husstanden på jeres ferier i løbet af året – enten i Europa eller i hele verden.
Household coverage
Insurance covers the policyholder's household members registered at the same address
SourceSection: Vælg den pakke, der passer bedst til dig
Rejseforsikringen dækker hele husstanden på jeres ferier i løbet af året – enten i Europa eller i hele verden.
Sources
- tjm-forsikring.dkhttps://tjm-forsikring.dk/forsikringer(opens in a new tab)
- tjm-forsikring.dkhttps://tjm-forsikring.dk/forsikringer/rejseforsikring(opens in a new tab)
- tjm-forsikring.dkhttps://tjm-forsikring.dk/forsikringer/rejseforsikring/gode-rejseraad(opens in a new tab)
- tjm-forsikring.dkhttps://tjm-forsikring.dk/forsikringer/rejseforsikring/rejseforsikring-europa(opens in a new tab)
- tjm-forsikring.dkhttps://tjm-forsikring.dk/forsikringer/rejseforsikring/rejseforsikring-verden(opens in a new tab)
- tjm-forsikring.dkhttps://tjm-forsikring.dk/forsikringer/rejseforsikring/rejsevaccine(opens in a new tab)
- tjm-forsikring.dkhttps://tjm-forsikring.dk/forsikringer/rejseforsikring/sporgsmal-om-rejse(opens in a new tab)
- tjm-forsikring.dkhttps://tjm-forsikring.dk/mit-tjm/min-rejse(opens in a new tab)
TJM Forsikring Travel insurance