Vejle Brand Travel insurance (Rejseforsikring)

Combined ceiling of DKK 10,000,000 per household per trip covering medical treatment abroad and repatriation/homeward transport together (§8.18-8.26); this is one shared aggregate, not six separate limits, and is identical across the standard and extended tiers.

Treatment by an authorised doctor and doctor-prescribed medicine for acute illness or injury arising during the trip is covered within the shared DKK 10,000,000 per household per trip aggregate for treatment and homeward transport (§8.1, §8.18).

Doctor-prescribed hospital stay and treatment on a two-bed ward (unless otherwise agreed with SOS International's doctor) is covered within the same shared DKK 10,000,000 per household per trip aggregate as other medical treatment and homeward transport (§8.19).

Outpatient doctor treatment and medicine fall within the shared DKK 10,000,000 aggregate for treatment and homeward transport. Separately, doctor-prescribed physiotherapy or chiropractic treatment abroad is covered up to five treatments and max DKK 7,700 (2026 kroner) per person, under its own sub-limit (§19.8-19.9), shared with emergency dental treatment.

Reasonable and necessary acute pain-relieving dental treatment that cannot wait until return to Denmark is covered up to DKK 5,914 (2015 index) per person; a lower sub-limit of DKK 1,000 (not indexed) applies specifically for chewing-related tooth damage. Specialist treatment (e.g. crown or root canal) requires prior approval from SOS International (§18.2, §18.12).

Ambulance transport from the site of illness/injury to the treatment location, and onward transport to and from the nearest suitable treatment site, are covered within the shared DKK 10,000,000 aggregate for treatment and homeward transport (§8.22-8.23).

Transport to Denmark in the event of death is covered within the shared DKK 10,000,000 per household per trip aggregate for treatment and homeward transport (§8.25).

Necessary costs of searching for the insured (up to 14 days, within a 50 km radius of the last known location) and rescuing/collecting them once located, when reported missing for at least 24 hours and other conditions are met. Capped at DKK 118,247 (2015 index) per insured person, max DKK 354,738 (2015 index) per event, subject to a 10% deductible (minimum DKK 2,956) (§15.1-15.14).

No dedicated COVID-19 treatment benefit is included; general acute-illness treatment cover and the epidemic-triggered evacuation benefit (§16.3) may apply, but the policy does not set out a specific COVID-19 provision.

Treatment of chronic or pre-existing illness is excluded if, within the two months before departure, it led to hospitalisation, medical assessment/treatment or a medication change, unless a medical pre-approval was obtained from SOS International beforehand; the condition must also have been stable for the last two months before departure (§7.6, §7.9, §8.3-8.4).

Ordinary injury sustained while doing recreational winter/other sports is covered as normal medical treatment under both tiers. However, the specific benefit compensating for a sports holiday (e.g. ski or golf trip) that cannot be completed due to acute illness or injury (§12.5, §13.6) is only available if the Udvidet Rejseforsikring/Verden tier has been purchased; the travel document must clearly state the holiday's main purpose is a sports activity.

Damage that is a direct or indirect consequence of the insured's participation in mountaineering (including climbing above 4,000m or use of ropes/crampons), expeditions to unspoiled/uncharted areas, big-game hunting, cave exploration, or parachute jumping is excluded under both tiers (§6.3.2-6.3.4).

Covers childbirth up to four weeks before the expected due date and treatment of a prematurely born baby; treatment related to pregnancy/birth is covered up to one month before the expected due date, with treatment of babies born more than one month early also covered. Falls within the shared DKK 10,000,000 treatment/transport aggregate (§8.2, §8.20-8.21).

Covers the insured's liability, as a private individual, for damage to inventory or building parts of a rented hotel room, apartment, holiday home, tent, mobile home or caravan while in their care; scope is limited to rented holiday accommodation and does not extend to general third-party personal liability. Capped at DKK 2,272,872 per claim event; this amount is not indexed (§23.1-23.13).

No indemnity cover for legal fees or attorney costs is described. The policy offers a related but distinct benefit (Sikkerhedsstillelse, §22) which is an interest-free, repayable loan to secure release from detention, not indemnity for legal expenses.

SOS International's emergency alarm centre (+45 70 10 50 50) can be contacted around the clock for advice and claims reporting in case of illness or injury; a separate pre-travel service line (+45 38 48 82 50, weekdays 09:00-11:00 and 13:00-15:00) handles medical pre-approval requests for chronic/existing conditions before departure.