Tryg

Emergency medical treatment abroad

Covered

Emergency and acute treatment is covered without prior approval from Tryg Alarm. In EU/EEA countries and Switzerland, treatment should be at a public facility covered by the EU health insurance card (blue card), with the policy covering any co-payment. Private facilities are covered when the standard of public treatment is deemed insufficient, when private treatment is the only option, or when the distance to a public facility is too great.

Hospitalization

Covered

Hospital stays are covered as part of treatment abroad. In EU/EEA and Switzerland, the policy covers the co-payment beyond the EU health card entitlement. Outside these areas, full hospital costs are covered subject to the policy sum. The maximum compensation corresponds to a standard room at a 3-star hotel or equivalent for accommodation costs.

Outpatient treatment

Covered

Outpatient doctor consultations, medicine, and related treatments are included as part of the medical treatment abroad coverage. This includes visits to physiotherapists, chiropractors, osteopaths and zone therapists related to a covered illness or injury.

Emergency dental treatment

Covered

Acute dental treatment is covered to limit the extent of the damage, for example acute pain relief or treatment. Cosmetic dental treatments such as teeth whitening, dental care and orthodontics are explicitly excluded.

Medical transport and repatriation

Covered

When the insurance covers illness, injury or death, expenses for ambulance or local transport to and from the nearest suitable hospital or treatment facility are covered, as well as expenses to be transported home. If home transport is delayed due to hospitalisation, the coverage period is automatically extended. Transport costs are covered up to the equivalent of economy class airfare.

Evacuation and involuntary stay

Covered

Covers additional transport costs and any accommodation and meals to allow evacuation to the home country or equivalent accommodation when the Danish Ministry of Foreign Affairs or equivalent Danish authority recommends evacuation, or when Tryg assesses that evacuation is necessary due to a newly emerged or significantly worsened situation such as war, terrorism, or natural disaster. Coverage applies for events that had not occurred when the insured entered the country.

Repatriation of remains

Covered

In the event of death, the insurance covers expenses for urn or coffin transport, including all legally required measures.

Search and rescue

Covered

Covers expenses for search within a radius of 50 km from where the insured was last seen. Once the location is established, covers expenses for rescue. Does not cover payment for search and rescue to authorities or organisations that normally work voluntarily or unpaid, or searches in connection with kidnapping, in Arctic areas of Canada, Russia and Alaska, or searches initiated by relatives because the insured failed to report their whereabouts.

COVID-19 treatment and involuntary quarantine

Covered

Treatment for COVID-19 illness is covered as an acute illness under the standard medical treatment abroad section. Additionally, involuntary stay due to a governmental requirement of self-isolation/quarantine due to confirmed COVID-19 infection or close contact with a COVID-19 infected person is covered. Forced confinement to the holiday accommodation under a government quarantine order also counts as a ruined holiday day.

Winter sports cover

Covered

The insurance covers injuries sustained during all types of sport, including sports branches generally considered dangerous, including skiing and snowboarding. No additional premium is required. The optional 'Ødelagt aktiv rejse' add-on provides additional compensation for ruined active holiday days.

Adventure and dangerous sports cover

Covered

The insurance covers all types of sport including branches generally considered dangerous sport, without any additional premium or restriction. Professional sport (sport performed for pay) is explicitly excluded. Polar expeditions are also excluded.

24/7 emergency assistance (Tryg Alarm)

Covered

Tryg Alarm provides round-the-clock assistance from doctors and specially trained health and assistance personnel when immediate help is needed, for example in connection with hospitalisation due to illness or injury. Calls to and from Tryg Alarm are free of charge. The Tryg Lægehotline app also provides access to video consultation with a Danish doctor while abroad.