Extracted from source documents

Topdanmark Travel insurance (Arsrejseforsikring)

Underwritten by Topdanmark · Denmark

travel insurance from Topdanmark for the Denmark market, with online purchase and 24/7 assistance.

Verified Sep 1, 2026 · Terms dated 2023-01Sources

Online purchase24/7 helpline

Unique selling points

Unlimited cover for medical treatment, hospitalization and transport home due to illness or injury abroad.

Up to three companions can stay with you, plus a further three people can be called out from Denmark, in case of serious illness or injury.

A single annual policy automatically covers the whole household, including unmarried children under 21 living away from home and shared-custody children.

24/7 assistance from a Danish-speaking Rejsehjælp alarm centre that can arrange emergency payments and rebooking abroad.

Covers the excess (deductible) on a rental car's own-damage claim, up to the amount shown on the policy.

Coverage limits

Covered

Medical expenses

unlimited

Unlimited cover for reasonable and necessary medical costs abroad for up to 1 year, including treatment by an authorized doctor and prescribed medicine, for acute illness or injury, pregnancy-related illness, or premature birth more than 4 weeks before term. Excludes unstable chronic/pre-existing conditions, self-inflicted intoxication, and conditions known before departure.

Clause 17.1Page 13

Section: 17 Dækningsskema – Årsrejseforsikring > 17.1. Sygdom og tilskadekomst

Forsikringen dækker rimelige og nødvendige udgifter i udlandet i op til 1 år til: 1. Behandling hos en autoriseret læge og lægeordineret medicin

Covered

Emergency medical treatment

unlimited

Unlimited cover for acute treatment abroad by an authorized doctor following sudden illness or injury on the trip, as part of the sygdom og tilskadekomst benefit; cosmetic and other planned treatment is excluded.

Clause 17.1Page 13

Section: 17 Dækningsskema – Årsrejseforsikring > 17.1. Sygdom og tilskadekomst

Forsikringen dækker: 1. Hvis du bliver akut syg eller kommer til skade på rejsen

Covered

Hospitalization

unlimited

Unlimited cover for physician-ordered hospital stays and treatment abroad, including treatment of a premature baby born more than 4 weeks early. Board and lodging after discharge until the insured can travel home is separately capped at 1,487 kr. (2023) per day, max 22,323 kr. (2023) per person.

Clause 17.1Page 13

Section: 17 Dækningsskema – Årsrejseforsikring > 17.1. Sygdom og tilskadekomst

Erstatning for kost, logi* og lokaltransport* som beskrevet i punkt 17.2.C.6 kan højst være 1.487 kr. (2023) i døgnet for hver forsikret person. Den samlede erstatning kan højst være 22.323 kr. (2023) for hver forsikret person.

Covered

Outpatient treatment

unlimited

General outpatient medical treatment abroad is unlimited. A related sub-benefit for physiotherapist or chiropractor treatment (when agreed with Rejsehjælp) is capped at 5 treatments per insured person.

Clause 17.3Page 14

Section: 17 Dækningsskema – Årsrejseforsikring > 17.3. Fysioterapeut, kiropraktor og tandlæge

Erstatning for behandling hos fysioterapeut eller kiropraktor kan højst være 5 behandlinger for hver forsikret person.

Covered

Emergency dental treatment

DKK 7.4K

Covers acute pain-relieving dental treatment that cannot wait until return to Denmark, up to 7,435 kr. (2023 level) per insured person.

Clause 17.3Page 14

Section: 17 Dækningsskema – Årsrejseforsikring > 17.3. Fysioterapeut, kiropraktor og tandlæge

Erstatningen for akut tandbehandling kan højst være 7.435 kr. (2023) for hver forsikret person.

Covered

Medical transport

unlimited

Unlimited cover for ambulance transport from the scene of illness/accident to the treatment site and onward transport to the nearest suitable treatment facility abroad, if agreed with Rejsehjælp.

Clause 17.2Page 13

Section: 17 Dækningsskema – Årsrejseforsikring > 17.2. Syge- og hjemtransport

Forsikringen dækker rimelige og nødvendige udgifter i udlandet til: 1. Ambulancetransport fra sygdomseller ulykkesstedet til behandlingsstedet 2. Sygetransport til og fra det nærmeste egnede behandlingssted

Covered

Medical evacuation / transport home due to illness

unlimited

Unlimited cover for transport to Denmark by ordinary transport, ambulance or air ambulance following a covered acute illness or injury; air ambulance is excluded if transport can occur by another medically justifiable means.

Clause 17.2Page 13

Section: 17 Dækningsskema – Årsrejseforsikring > 17.2. Syge- og hjemtransport

4. Transport med ambulancefly, hvis transporten kan finde sted på anden lægeligt forsvarlig måde

Covered

Repatriation of remains

unlimited

Transport to Denmark in the event of death abroad is covered without limit as part of the unlimited syge- og hjemtransport benefit.

Clause 17.2Page 13

Section: 17 Dækningsskema – Årsrejseforsikring > 17.2. Syge- og hjemtransport

5. Transport til Danmark ved død

Search and rescue

No limit stated

Not addressed as a distinct benefit in the reviewed policy documents.

COVID-19 treatment

No limit stated

Not specifically named; general epidemic-related evacuation and crisis-assistance benefits reference 'livstruende epidemi' but no dedicated COVID-19 benefit is stated.

Conditional

Pre-existing conditions

Conditional

Chronic or unstable pre-existing conditions are excluded by default. A pre-travel medical assessment (forhåndsvurdering) can result in unconditional cover, cover with an exclusion clause for the known condition, or a refusal.

Page 6

Section: Medicinsk forhåndsvurdering > Kan du forvente fuld dækning, hvis du søger forhåndsvurdering?

En ubetinget forhåndsvurdering, som betyder, at du er dækket på normale vilkår for din lidelse, hvis der sker en akut forværring af din lidelse og eventuelle følger af denne

Optional

Winter sports cover

Optional

Injuries related to skiing/snowboarding are excluded from the base policy unless the optional 'Skisport' add-on is purchased, which extends sections on illness/injury, transport, physio/dental, sygeledsagelse, tilkald, spoiled holiday days, baggage delay compensation and abandoned vehicle transport to ski-related claims.

Clause 17.20Page 20

Section: 17 Dækningsskema – Årsrejseforsikring > 17.20. 'Skisport'

Hvis du har købt dækningen 'Skisport', er Årsrejseforsikringen udvidet til også at dække efter nedenstående punkter, hvis årsagen til skaden er en direkte eller indirekte følge af skisport*

Excluded

Adventure/extreme sports cover

Excluded

Mountaineering, expeditions, parachuting and participation or training in professional sport are excluded, with no add-on available to reinstate cover.

Clause 5CPage 8

Section: Fællesvilkår > 5 Hvad dækker forsikringen ikke? > C Forsikredes deltagelse i forskellige aktiviteter

3. Forsikredes deltagelse eller træning i: a. Professionel sport, dvs., hvor sporten er forsikredes hovederhverv b. Bjergbestigning* c. Ekspeditioner* d. Faldskærmsudspring

Covered

Pregnancy complications

unlimited

Treatment for pregnancy-related illness is covered without limit under sygdom og tilskadekomst, including premature birth more than 4 weeks before the due date; giving birth within the last 4 weeks before the due date is excluded.

Clause 17.1Page 13

Section: 17 Dækningsskema – Årsrejseforsikring > 17.1. Sygdom og tilskadekomst

2. Hvis du har behov for behandling af sygdom som følge af graviditet 3. Hvis du på rejsen føder mere end 4 uger før forventet termin

Covered

Personal liability (rented holiday accommodation)

DKK 3M

Covers the policyholder's legal liability as a private individual for damage to the contents or the fabric of a rented holiday home while in their care, up to 3,000,000 kr. per claim event (amount is not index-adjusted); liability for damage from motor vehicles, business activity, animals, or beyond the rental contract itself is excluded.

Clause 17.18Page 19

Section: 17 Dækningsskema – Årsrejseforsikring > 17.18. Ansvar for skade på lejet feriebolig*

Erstatningen kan højst være 3 mio. kr. i alt pr. skadebegivenhed. Beløbet bliver ikke indeksreguleret.

Covered

Bail and legal costs

DKK 148.8K

Covers bail/surety and lawyer's costs if the insured or their luggage is detained by local authorities, excluding detention arising from work/business or contractual matters, or criminal proceedings other than traffic offences; capped at 148,826 kr. (2023) per insured person.

Clause 17.19Page 19

Section: 17 Dækningsskema – Årsrejseforsikring > 17.19. Kaution og advokatomkostninger

Den samlede erstatning kan højst være 148.826 kr. (2023) for hver forsikret person.

Covered

24/7 emergency assistance

Covered

Topdanmark's Danish-speaking Rejsehjælp alarm centre is available around the clock, can liaise with local doctors/hospitals, help book emergency travel or accommodation, and arrange an advance payment for urgent financial needs after a covered incident.

Key conditions

Assistance call deadline

Acute claims abroad must be reported to Topdanmark's 24/7 Rejsehjælp alarm centre as soon as possible, and the insured must follow the instructions given by Rejsehjælp's doctor.

Unauthorized treatment

If treatment or hospitalization abroad continues after Rejsehjælp's doctor and the treating doctor have approved transport home, or if the insured does not follow the instructions given, further related costs are not covered.

Purchase while abroad

The annual travel insurance must already be in force before departure from Denmark; it cannot be purchased or activated once a trip abroad has already begun.

Chronic conditions

Policyholders with a chronic or unstable existing illness that within the last 2 months required hospitalization, changed medication, extra doctor visits, referral for further examination, a missed check-up, stopped or refused treatment, or was known before booking must apply for a pre-travel medical assessment.

Pregnancy

Illness related to pregnancy is covered, and premature birth more than 4 weeks before the due date is covered; giving birth within the last 4 weeks before the due date is excluded.

Pre-existing condition exclusions

Existing or chronic conditions are excluded by default unless they have been in a stable good phase for 2 months before booking; a pre-travel medical assessment can result in unconditional cover, cover with an exclusion clause, or a refusal.

Coverage duration limit

The annual policy covers each individual trip for up to 60 consecutive days regardless of how often the insured travels; if a covered claim extends a trip beyond 60 days, cover is automatically extended.

Direct payment

Topdanmark's 24/7 Rejsehjælp assistance service can liaise directly with local doctors and hospitals and arrange an advance payment if there is an acute need for financial help after a covered incident abroad; other claims are settled by reimbursement after documentation is submitted.

Territorial scope

Covers travel outside Denmark within the selected zone (Europe incl. Turkey, or worldwide); within Denmark only compensation for spoiled holiday days (and cancellation if the optional add-on is bought) is covered.

Documents

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

Product information sheet · PDF

Terms and Conditions for Årsrejseforsikring (6692-2, January 2023) (opens in a new tab)

Terms & conditions · PDF

Policy specifics

Maximum continuous trip duration

Coverage applies to trips up to 60 consecutive days per journey

Source

Section: Vores rejseforsikring er værd at skrive hjem om > Dækker alle dine rejser – i op til 60 dage i træk

Vores rejseforsikring er en årsrejseforsikring, som dækker dine rejser i op til 60 dage i træk, uanset, hvor tit du rejser.

Repatriation and return transport

Unlimited coverage for medical repatriation if necessary

Source

Ski and snowboard coverage (optional add-on)

Optional coverage for ski and snowboard activities must be separately selected at purchase

Source

Section: Vores rejseforsikring er værd at skrive hjem om > Tilvalg: Gør din dækning endnu bedre

Skisport Nødvendig, hvis du står på ski eller snowboard i udlandet.

Trip cancellation insurance (optional add-on)

Optional coverage that protects against losses from trip cancellation, including domestic trips if at least 3 nights

Source

Section: Vores rejseforsikring er værd at skrive hjem om > Tilvalg: Gør din dækning endnu bedre

Udgifter efter afbestilling af en ferie – også i Danmark, hvis ferien består af mindst tre overnatninger

Geographic coverage options

Choice between Europe (incl. Turkey) or worldwide coverage at point of purchase

Source

Section: Vores rejseforsikring er værd at skrive hjem om > Tilpas din rejseforsikring til dine behov

Inden du køber din rejseforsikring, skal du kun tage stilling til, om du vil være dækket i Europa (inkl. Tyrkiet) eller hele verden.

Household coverage

Single policy covers all household members registered at the same address, including unmarried children under 21 abroad

Source

Section: Vores rejseforsikring er værd at skrive hjem om > Rejseforsikringen dækker hele din husstand

Rejseforsikringen dækker også udeboende børn under 21 år.

Pre-travel medical assessment requirement

Policyholders with chronic conditions or existing illnesses must obtain pre-approval within 2 months before travel

SourcePage 6

Section: Medicinsk forhåndsvurdering > Har du været syg for nylig, eller har du en eksisterende lidelse?

Du skal søge om forhåndsvurdering, hvis du har en kronisk sygdom eller eksisterende lidelse, der indenfor de seneste 2 måneder har medført noget af følgende:

Emergency claims reporting via alarm center

Acute injuries and illnesses must be reported through Topdanmark's 24/7 Danish-speaking alarm center for immediate assistance

Source

Section: Vores rejseforsikring er værd at skrive hjem om > Få hjælp døgnet rundt

Med vores rejseforsikring kan du få rejsehjælp døgnet rundt fra en dansktalende alarmcentral, hvis du bliver syg eller kommer til skade i udlandet.

Coverage must be active before travel

Policy must be purchased and paid before departure to be valid for the trip

SourceClause 3APage 7

Section: Fællesvilkår > 3 Hvor længe dækker forsikringen? > A Årsrejseforsikring

Det er en betingelse, at din Årsrejseforsikring er trådt i kraft, inden du rejser.

Travel to advised-against destinations

Coverage may not apply to travel to destinations where Danish health authorities advise against private travel

SourceClause 5APage 8

Section: Fællesvilkår > 5 Hvad dækker forsikringen ikke? > A Rejser, som de danske myndigheder fraråder

Forsikringen dækker ikke rejser til områder, som det danske udenrigsministerium, Statens Seruminstitut eller lignende offentlig dansk myndighed fraråder privatpersoner at rejse til.

Annual coverage with flexible trip frequency

Single annual premium covers all trips taken during the year regardless of frequency, each up to 60 consecutive days

Source

Section: Vores rejseforsikring er værd at skrive hjem om > Dækker alle dine rejser – i op til 60 dage i træk

Vores rejseforsikring er en årsrejseforsikring, som dækker dine rejser i op til 60 dage i træk, uanset, hvor tit du rejser.

Sources

Topdanmark Travel insurance

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