Insurance Company Vejle Brand of 1841 g/s
Vejle Brand
Vejle Brand is a travel insurance for the Denmark market with no online purchase and 24/7 assistance.
Direct payment
Medical treatment abroad is coordinated through SOS International's 24/7 assistance service, which pre-approves hospitalisation and transport decisions; the reviewed policy documents do not describe a specific cashless/direct-billing arrangement with foreign hospitals beyond this coordination role.
Geographic scope
Designed for Danish residents; the policyholder and household must be registered at a Danish address and covered by the Danish public health insurance scheme.
Standard tier (Rejseforsikring Europa) covers the EU (except Denmark), the EEA (Norway, Iceland, Liechtenstein), Switzerland and the United Kingdom, matching the area covered by the blue EU health insurance card. The Udvidet Rejseforsikring/Verden tier extends cover worldwide, including limited cover for holidays within Denmark (rented accommodation, minimum 5 nights).
Unique selling points
- The extended worldwide travel insurance tier (Udvidet Rejseforsikring) is available for a fixed 60-day price rather than a complex tariff structure.
- Customers aged 60 or over receive a 10% discount on the extended travel insurance.
- Travel insurance is included automatically and at no extra cost with Vejle Brand's home contents insurance (indbo-/familieforsikring) for existing policies.
- Policyholders have round-the-clock access to SOS International's dedicated emergency alarm centre for medical assistance and claims reporting anywhere in the world.
- As a customer-owned mutual insurer (gensidigt selskab), Vejle Brand positions its pricing around member value rather than shareholder profit.
Coverage limits
Medical expenses abroad
DKK 10,000,000
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.
Emergency medical treatment
DKK 10,000,000
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).
Hospitalisation abroad
DKK 10,000,000
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 treatment
DKK 10,000,000
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.
Emergency dental treatment
DKK 7,700
Reasonable and necessary acute pain-relieving dental treatment that cannot wait until return to Denmark is covered up to DKK 7,700 (2026 kroner) 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 (§19.7, §19.9).
Medical transport
DKK 10,000,000
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).
Evacuation and involuntary stay
DKK 77,000
Covers evacuation and/or extra costs of returning to Denmark, plus costs of an involuntary stay, when the Danish Foreign Ministry recommends/requires evacuation due to imminent danger from natural disasters, terrorism, war-like conditions or life-threatening epidemics, or if the insured is directly caught in a terrorist act or forcibly detained by local authorities. Capped at DKK 77,000 (2026 kroner) in total for the whole household (§17.1-17.5, §17.15); separate from the general treatment/transport aggregate and from search and rescue.
Repatriation of remains
DKK 10,000,000
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).
Search and rescue
DKK 154,000
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 154,000 (2026 kroner) per insured person, max DKK 463,000 (2026 kroner) per event, subject to a 10% deductible (minimum DKK 3,850) (§16.1-16.14).
COVID-19 treatment
No limit stated
No dedicated COVID-19 treatment benefit is described in the reviewed terms; general acute-illness treatment cover and the epidemic-triggered evacuation benefit (§17.3) may apply, but a specific COVID-19 provision is not stated.
Pre-existing conditions
Conditional
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).
Winter/sports holiday cover
Conditional
Only in Udvidet Rejseforsikring/Verden
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.
Adventure/extreme sports cover
Excluded
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).
Pregnancy complications and premature birth
Covered
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).
Liability for damage to rented holiday accommodation
DKK 2,272,872
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).
Legal assistance
No limit stated
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.
24/7 emergency assistance
Covered
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.
Key conditions
Assistance call deadline
Before receiving treatment abroad for an unstable chronic or pre-existing condition, or if hospitalised, examined/treated by a doctor, or had medication changed within the 2 months before departure, the insured must contact SOS International's pre-travel service (+45 38 48 82 50) to obtain prior medical approval, valid only for that specific trip. During the trip, SOS International's 24/7 line (+45 70 10 50 50) must be contacted for advice and claims reporting.
Unauthorized treatment
Transport not approved by SOS International is not covered, and expenses arising from the insured refusing or not following instructions from the company's doctor, the treating doctor, or the blue EU health card doctor are excluded. Costs are also excluded if the insured proceeds with treatment abroad after SOS's doctor assessed it could wait until return home, or refuses ordered repatriation.
Purchase while abroad
The reviewed policy terms, IPID and product page do not address purchasing this travel insurance after departure or while already abroad; cover is described as starting when the insured leaves home in Denmark to begin the trip.
Chronic conditions
Treatment of chronic or existing illness is excluded if it led to hospitalisation, doctor assessment/treatment, or a medication change within the 2 months before departure, unless pre-approved by SOS International; also excluded if the insured had not sought needed treatment, was on a waiting list, or missed check-ups within the last 6 months.
Pregnancy
Childbirth is covered up to four weeks before the expected due date, and treatment of a prematurely born baby is covered; pregnancy/birth-related treatment is covered up to one month before the expected due date, and treatment of babies born more than one month early is also covered.
Pre-existing condition exclusions
Pre-existing or chronic conditions are excluded from cover unless the condition has been stable for the two months before departure and, where required, a medical pre-approval has been obtained from SOS International for that specific trip.
Coverage duration limit
Standard cover (Rejseforsikring Europa) applies to private holiday trips abroad of up to 30 days. Under Udvidet Rejseforsikring/Verden, private holiday trips of up to 60 days and study trips abroad of up to 60 days are covered, and limited cover applies to holidays within Denmark in rented accommodation for a minimum of 5 nights.
Policy specifics
Rental car excess/deductible refund
Refund of car rental excess/deductible if rented car is used abroad
SourcePurpose-specific travel coverage
Coverage for travel with specific purpose such as golf or skiing
SourceSecurity deposit (bail) advance
If the insured or their luggage is detained by local authorities, Vejle Brand can provide an interest-free loan of up to DKK 154,000 (2026 kroner) to secure release; the advance must be repaid to Vejle Brand upon release, or at the latest one month after the advance was made.
SourceEU/EEA geographic coverage
Base Travel Insurance coverage limited to EU/EEA countries plus Norway, Iceland, Liechtenstein, and Switzerland
SourceAutomatic inclusion with home contents insurance
Travel Insurance is included automatically if customer has home contents insurance (familieforsikring)
SourceMedical necessity for treatment coverage
Coverage of medical treatment only if medically necessary and not pre-existing conditions
SourceEmergency assistance coordination requirement
Treatment abroad, especially hospitalization and evacuation, must be pre-authorized by SOS International assistance service
SourceClaim documentation requirements
Must provide medical records, original receipts, and doctor's certification for claim approval
SourceUnited Kingdom added to standard coverage area
As of the version 5 (01-01-2024) terms, the standard Rejseforsikring Europa tier explicitly extends to the United Kingdom in addition to the EU (excl. Denmark), EEA and Switzerland.
Source