Topdanmark – a part of If Skadeforsikring, branch of If Skadeförsäkring AB (publ), Sweden
Topdanmark
Topdanmark is a travel insurance for the Denmark market with online purchase and 24/7 assistance.
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.
Geographic scope
Europe (including Turkey) or Worldwide, selected at purchase
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.
Starting price
DKK 596
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
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.
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.
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.
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.
Emergency dental treatment
DKK 7,435
Covers acute pain-relieving dental treatment that cannot wait until return to Denmark, up to 7,435 kr. (2023 level) per insured person.
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.
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.
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.
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.
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.
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.
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.
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.
Personal liability (rented holiday accommodation)
DKK 3,000,000
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.
Bail and legal costs
DKK 148,826
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.
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.
Where to buy
Policy specifics
Maximum continuous trip duration
Coverage applies to trips up to 60 consecutive days per journey
SourceSki and snowboard coverage (optional add-on)
Optional coverage for ski and snowboard activities must be separately selected at purchase
SourceTrip cancellation insurance (optional add-on)
Optional coverage that protects against losses from trip cancellation, including domestic trips if at least 3 nights
SourceGeographic coverage options
Choice between Europe (incl. Turkey) or worldwide coverage at point of purchase
SourceHousehold coverage
Single policy covers all household members registered at the same address, including unmarried children under 21 abroad
SourcePre-travel medical assessment requirement
Policyholders with chronic conditions or existing illnesses must obtain pre-approval within 2 months before travel
SourceEmergency claims reporting via alarm center
Acute injuries and illnesses must be reported through Topdanmark's 24/7 Danish-speaking alarm center for immediate assistance
SourceCoverage must be active before travel
Policy must be purchased and paid before departure to be valid for the trip
SourceTravel to advised-against destinations
Coverage may not apply to travel to destinations where Danish health authorities advise against private travel
SourceAnnual 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