Tryg Forsikring A/S
Tryg
Tryg is a travel insurance for the Denmark market with online purchase and 24/7 assistance.
Direct payment
Before non-emergency treatment, examination or transport starts, it must be approved by Tryg Alarm or Tryg Lægehotline (acute/emergency treatment is exempt). Once approved, Tryg Alarm can guarantee payment or pay the hospital/treating doctor directly instead of requiring reimbursement.
Geographic scope
Europe (EU/EEA) or Worldwide, as selected on the policy
Does not cover the North Pole, South Pole or Antarctica, or areas where the Danish Foreign Ministry, Statens Serum Institut or a similar authority advises against travel, or where war/civil war is ongoing; if such advice/conflict arises after arrival, cover continues for 30 days.
Unique selling points
- All package levels (Basis, Udvidet, Super) include free access to Tryg Lægehotline for video consultations with a Danish-speaking doctor while abroad.
- Buying the travel insurance online gives at least a 10% discount on the price.
- Customers are members of TryghedsGruppen and may receive a typical annual bonus of 5-8% of their combined premiums.
- The Super package includes one free choice of travel vaccine for every person in the household during the policy term.
- A single policy can cover the whole household (up to several people) on every trip during the year, whether travelling together or separately, with 24/7 emergency assistance via Tryg Alarm.
Coverage limits
Medical expenses abroad
Covered
Covers medically necessary costs for treatment, medication and hospital stay abroad for acute illness or injury, and acute worsening of an existing illness if no illness occurred within 2 months before departure or a medical pre-approval was obtained. The maximum sum insured is stated in the individual forsikringsaftale (policy schedule), not in the general terms.
Emergency medical treatment
Covered
Covers doctor and hospital treatment, including medicine and operations, for acute sickness or injury arising during the trip. Non-emergency treatment must first be approved by Tryg Alarm or Tryg Lægehotline.
Hospitalization
Covered
Covers hospital stay costs for a covered illness, injury or death; treatment on a private facility is possible if the public/EHIC standard is insufficient, unavailable, or too far away, as assessed by Tryg's doctor or Tryg Alarm.
Outpatient treatment (physio, chiropractor etc.)
Covered
In addition to doctor/hospital treatment, covers treatment related to a covered illness or injury by a physiotherapist, chiropractor, osteopath or zone therapist.
Emergency dental treatment
Covered
Covers acute dental treatment needed to limit the extent of a damage, e.g. acute pain relief or treatment.
Ambulance / local medical transport
Covered
Covers ambulance or local transport to and from the nearest suitable hospital or treatment site when a sickness, injury or death is covered.
Evacuation and involuntary stay
Covered
Covers extra transport, accommodation and meal costs for evacuation home when the Danish Foreign Ministry recommends evacuation, or when Tryg assesses evacuation is needed due to war, terrorism, natural disaster or epidemic; also covers costs while awaiting departure or onward travel when this is prevented or advised against.
Repatriation of remains
Covered
In the event of death, covers costs of urn or coffin transport, including legally required measures.
Search and rescue
Covered
Covers search costs within a 50 km radius of the place you were last seen, and rescue once your location is established; does not cover payment to volunteer/unpaid search organisations, kidnapping-related search, or search in Arctic parts of Canada, Russia or Alaska.
Covid-19 treatment
Not offered
The terms explicitly address covid-19 only for quarantine (counted towards 'ødelagt rejse'/spoiled travel days) and for epidemic-triggered evacuation; a distinct treatment-cost provision for covid-19 illness is not stated separately from general acute-illness cover.
Pre-existing/chronic conditions
Conditional
Acute worsening of an existing or chronic illness is only covered if you have not been ill within 2 months before departure, or if a medical pre-approval (medicinsk forhåndsgodkendelse) has been obtained; illness/injury showing symptoms or diagnosed before departure is otherwise excluded.
Skiing/snowboarding injury cover
Optional
The Basis, Udvidet and Super packages do not automatically include cover for injury or spoiled travel days caused by skiing or snowboarding; this requires the separate add-ons 'Ski tilskadekomst m.m.' and 'Ski ødelagte rejsedøgn' to be selected and shown on the policy.
Sport and dangerous sport activities
Covered
Covers injuries occurring during all types of sport, including sports normally considered dangerous, except skiing/snowboarding which is governed by a separate section requiring an add-on.
Pregnancy complications
Conditional
Medically necessary treatment of pregnancy complications is covered as ordinary acute illness/injury; abortion that is not medically justified, sterilisation and sterility investigations/treatment are explicitly excluded.
Personal liability
Covered
Covers liability incurred as a private person for personal or property damage caused to others; excludes liability from use of motor vehicles or aircraft, damage to items in your care, damage to your own/household items, damage arising during paid or unpaid work, and liability beyond ordinary Danish tort-law rules.
Legal assistance
Covered
Covers legal costs for court/arbitration disputes of a legal nature arising during the trip and directly concerning you, following Tryg's Legal Assistance Insurance terms with some deviations; a related benefit, Sikkerhedsstillelse, provides an interest-free loan to secure lawyer costs or amounts required by local authorities.
24/7 emergency assistance
Covered
Tryg Alarm (operated by Falck Global Assistance) provides round-the-clock access to doctors and assistance staff worldwide via phone (+45 44 68 82 00) and email; all customers, regardless of package, also get access to Tryg Lægehotline for video consultations with a Danish doctor while travelling.
Key conditions
Assistance call deadline
Before non-emergency treatment, examination or transport starts, it must be approved by Tryg Alarm or Tryg Lægehotline; only acute/urgent treatment is exempt from this requirement.
Unauthorized treatment
Costs for home transport, sick escort or call-out that have not been approved by Tryg Alarm or Tryg's doctor are not covered, and continued treatment is not covered if you refuse a recommended home transport.
Purchase while abroad
Cover for Cancellation and Flight Compensation must be in force at the latest when you pay the first part of the trip price; the policy is not designed to provide these covers retroactively once travel or payment has already begun.
Chronic conditions
A chronic disease is one that has lasted, or is expected to last, more than six months and requires ongoing medical control or treatment; a medical pre-assessment is required if the condition has been unstable or worsened within 2 months before booking or departure.
Pregnancy
Pregnancy complications requiring medical treatment are covered like other acute illness, but abortion that is not medically justified, sterilisation and sterility investigations/treatment are excluded.
Pre-existing condition exclusions
Pre-existing or chronic conditions are only covered if you have not been ill or in treatment within 2 months before departure, or if you have obtained a medical pre-approval via the electronic test at tryg.dk; without this, worsening of the condition is excluded.
Coverage duration limit
Each trip is covered up to the number of travel days chosen on the policy; cover is automatically extended up to 48 hours if the return is delayed through no fault of the insured, and further if the delay is caused by acute hospitalisation.
Where to buy
Policy specifics
Medical pre-approval requirement
Pre-existing or chronic illnesses require medical pre-approval if treatment occurred within 2 months before departure
Prior approval for non-emergency treatment
Treatment or home transport must be approved by Tryg's physician before beginning, except in acute emergencies
Annual coverage period with trip day limit
Annual policy covers multiple trips within the calendar year up to the number of travel days chosen per policy
Chronic disease definition and worsening exclusion
Chronic disease defined as illness lasting or expected to last more than six months requiring ongoing monitoring/treatment and limiting activity; worsening not covered without pre-approval
Medical expenses - direct payment vs. reimbursement
Tryg Alarm can guarantee or send payment directly to hospital/treating physician with prior approval; costs without approval may be subject to reimbursement only
Policy purchase timing requirement
Annual policy must generally be purchased before trip starts; cancellation and flight compensation coverage must be in force no later than when first part of trip price is paid
Home transport approval condition
All home transport must be approved by Tryg's physician; costs for unapproved home transport are explicitly excluded
Automatic return delay coverage extension
Coverage automatically extends up to 48 hours if return is delayed without fault of insured; extends further if hospitalization causes delay