Tryg Travel insurance (Aarsrejseforsikring)
Underwritten by Tryg Forsikring A/S · Denmark
travel insurance from Tryg for the Denmark market, with online purchase and 24/7 assistance.
Verified Sep 1, 2026 · Terms dated 2026-03Sources
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.
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.
Section: 6. Sygdom og tilskadekomst m.v. > 6.1 Behandling i udlandet
Forsikringen dækker læge- og hospitalsophold, herunder medicin og operation, i forbindelse med akut sygdom eller tilskadekomst, der opstår på rejsen.
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.
Section: 6. Sygdom og tilskadekomst m.v. > 6.1 Behandling i udlandet
Inden udredning eller behandling startes skal den godkendes af Tryg Alarm eller Tryg Lægehotline. Bortset fra akut og uopsættelig behandling.
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.
Section: 6. Sygdom og tilskadekomst m.v. > 6.1 Behandling i udlandet
Behandlingen kan foretages på et privat behandlingssted i følgende tilfælde: Når vores læge vurderer, at standarden for behandlingen via det blå kort ikke er tilstrækkelig. Når privat behandlingssted er eneste mulighed. Når Tryg Alarm vurderer, at afstanden fra feriestedet til et offentligt behandlingssted er for stor.
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.
Section: 6. Sygdom og tilskadekomst m.v. > 6.1 Behandling i udlandet
Desuden dækkes behandling relateret til en omfattet sygdom eller tilskadekomst hos en fysioterapeut, kiropraktor, osteopat, zoneterapeut samt akut tandbehandling for at mindske skadens omfang, fx akut smertelindring eller behandling.
Emergency dental treatment
Covered
Covers acute dental treatment needed to limit the extent of a damage, e.g. acute pain relief or treatment.
Section: 6. Sygdom og tilskadekomst m.v. > 6.1 Behandling i udlandet
samt akut tandbehandling for at mindske skadens omfang, fx akut smertelindring eller behandling.
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.
Section: 6. Sygdom og tilskadekomst m.v. > 6.2 Syge- og hjemtransport
Når forsikringen dækker en sygdom, tilskadekomst eller dødsfald, dækkes også udgifter til ambulance- eller lokal transport til og fra nærmeste egnede hospital eller behandlingssted samt udgifter til at du kan blive transporteret hjem.
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.
Section: 6. Sygdom og tilskadekomst m.v. > 6.6 Evakuering og ufrivilligt ophold
Forsikringen dækker ekstraudgifter til transport og eventuelt ophold og forplejning, så du kan blive evakueret til dit bopælsland, når Udenrigsministeriet i Danmark, Statens Serum Institut eller lignende offentlig dansk myndighed anbefaler evakuering fra det land/område, hvor du opholder dig.
Repatriation of remains
Covered
In the event of death, covers costs of urn or coffin transport, including legally required measures.
Section: 6. Sygdom og tilskadekomst m.v. > 6.2 Syge- og hjemtransport
Ved dødsfald dækkes udgifter til urne- eller kistetransport, inklusive lovbefalede foranstaltninger.
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.
Section: 6. Sygdom og tilskadekomst m.v. > 6.5 Eftersøgning og redning
Forsikringen 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
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.
Section: 6. Sygdom og tilskadekomst m.v. > 6.1 Behandling i udlandet
Forsikringen dækker også akut forværring af eksisterende sygdom, hvis du ikke har været syg indenfor 2 måneder inden afrejse, eller hvis du har fået en medicinsk forhåndsgodkendelse.
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.
Section: 4. Hvilke typer rejser og aktiviteter er omfattet > Ski og snowboard
Forsikringen dækker kun skader der sker, når du står på ski eller snowboard og som kræver lægebehandling, indlæggelse, hjemtransport, sygeledsagelse eller tilkaldelse, hvis dækningen 'Ski tilskadekomst m.m.' er valgt og fremgår af din forsikringsaftale.
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.
Section: 4. Hvilke typer rejser og aktiviteter er omfattet > Sport
Forsikringen dækker skader, der er sket under udøvelse af alle typer sport, også sportsgrene, der almindeligvis betragtes som farlig sport. Se dog afsnit Ski og snowboard.
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.
Section: 6. Sygdom og tilskadekomst m.v. > 6.1 Behandling i udlandet
Abort, der ikke er medicinsk begrundet, sterilisation og sterilitetsundersøgelser eller behandling.
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.
Section: 6. Sygdom og tilskadekomst m.v. > 6.10 Privatansvar
Forsikringen dækker, hvis du som privatperson forvolder person eller tingskade, og derved pådrager dig et erstatningsansvar.
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.
Section: 6. Sygdom og tilskadekomst m.v. > 6.9 Retshjælp
Forsikringen dækker udgifter til retshjælp, hvis du har søgt bistand hos en advokat, som har påtaget sig sagen.
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.
Section: Når uheldet er ude > Tryg Alarm – når du har akut brug for hjælp
Du kan døgnet rundt få hjælp fra læger og særligt uddannet sundheds- og assistancepersonale, hvis du har behov for øjeblikkelig hjælp, fx i forbindelse med indlæggelse pga. sygdom eller tilskadekomst.
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.
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.
Territorial scope
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.
Documents
Policy specifics
Medical pre-approval requirement
Pre-existing or chronic illnesses require medical pre-approval if treatment occurred within 2 months before departure
SourceClause 6.1Page 7Section: 6. Sygdom og tilskadekomst m.v. > 6.1 Behandling i udlandet
Forsikringen dækker også akut forværring af eksisterende sygdom, hvis du ikke har været syg indenfor 2 måneder inden afrejse, eller hvis du har fået en medicinsk forhåndsgodkendelse.
Prior approval for non-emergency treatment
Treatment or home transport must be approved by Tryg's physician before beginning, except in acute emergencies
SourceClause 6.1Page 7/19Section: 6. Sygdom og tilskadekomst m.v. > 6.1 Behandling i udlandet
Inden udredning eller behandling startes skal den godkendes af Tryg Alarm eller Tryg Lægehotline. Bortset fra akut og uopsættelig behandling. […] Udgifter til hjemtransport, der ikke er godkendt af Trygs læge.
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
SourceClause 3Page 5Section: 3. Hvornår gælder forsikringen
Forsikringen dækker rejser, der hver varer op til det antal rejsedage, du har valgt.
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
SourcePage 6/19Section: 5. Medicinsk forhåndsvurdering
En kronisk sygdom er en sygdom, der har bestået længere end et halvt år, eller må forventes at bestå længere end et halvt år, og som kræver løbende medicinsk kontrol eller behandling. […] Forværring under rejsen af en eksisterende eller kronisk sygdom eller af en tilskadekomst opstået før afrejse dækkes ikke, medmindre vi har givet en medicinsk forhåndsgodkendelse.
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
SourceClause 6.1Page 7Section: 6. Sygdom og tilskadekomst m.v. > 6.1 Behandling i udlandet > Kontakt Tryg inden behandling iværksættes
Tryg Alarm kan stille garanti eller sende betaling til hospitalet eller den behandlende læge.
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
SourceClause 3Page 5Section: 3. Hvornår gælder forsikringen > Hvornår gælder dækningerne Afbestilling og Flykompensation
Dækning for Afbestilling og Flykompensation skal være trådt i kraft senest på det tidspunkt, du betaler første del af rejsens pris for at være gældende for rejsen.
Home transport approval condition
All home transport must be approved by Tryg's physician; costs for unapproved home transport are explicitly excluded
SourceClause 6.2Page 7Section: 6. Sygdom og tilskadekomst m.v. > 6.2 Syge- og hjemtransport > Hvad er ikke dækket
Udgifter til hjemtransport, der ikke er godkendt af Trygs læge.
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
SourceClause 3Page 5Section: 3. Hvornår gælder forsikringen > Dækning udover det valgte antal rejsedage
Dækningsperioden forlænges automatisk med indtil 48 timer, hvis din hjemkomst forsinkes, uden du selv er skyld i forsinkelsen. Hvis din hjemrejse udskydes, fordi du i dækningsperioden er blevet akut syg eller er kommet akut til skade, dækker forsikringen ligeledes ud over det valgte antal rejsedage.
Sources
- tryg.dkhttps://tryg.dk/dokumenter/privat/betingelser-arsrejseforsikring.pdf#page=10(opens in a new tab)
- tryg.dkhttps://tryg.dk/dokumenter/privat/betingelser-arsrejseforsikring.pdf#page=19(opens in a new tab)
- tryg.dkhttps://tryg.dk/dokumenter/privat/betingelser-arsrejseforsikring.pdf#page=2(opens in a new tab)
- tryg.dkhttps://tryg.dk/dokumenter/privat/betingelser-arsrejseforsikring.pdf#page=5(opens in a new tab)
- tryg.dkhttps://tryg.dk/dokumenter/privat/betingelser-arsrejseforsikring.pdf#page=6(opens in a new tab)
- tryg.dkhttps://tryg.dk/dokumenter/privat/betingelser-arsrejseforsikring.pdf#page=7(opens in a new tab)
- tryg.dkhttps://tryg.dk/dokumenter/privat/betingelser-arsrejseforsikring.pdf#page=9(opens in a new tab)
- tryg.dkhttps://tryg.dk/rejseforsikring(opens in a new tab)
Tryg Travel insurance