Extracted from source documents

Vestjylland Forsikring Travel insurance (Aarsrejseforsikring)

Underwritten by Vestjylland Forsikring · Denmark

travel insurance from Vestjylland Forsikring for the Denmark market, with online purchase and 24/7 assistance.

Verified Sep 1, 2026 · Terms dated 2023-12-02Sources

Online purchase24/7 helpline

Unique selling points

Unlimited cover for illness/injury and medically necessary repatriation, protecting against costs that can reach hundreds of thousands of kroner even on short European trips.

Free 24/7 access to a Danish-speaking doctor helpline via SOS International for advice on treatment and finding local doctors and dentists abroad.

One single annual policy covers all trips up to 60 days for the whole household, so there is no need to buy a new policy for every trip.

Domestic Danish holidays are also covered under the same annual policy, from just 2 consecutive overnight stays.

Up to DKK 1,000,000 cover for permanent injury caused by medical malpractice abroad.

Coverage limits

Covered

Medical expenses (illness)

unlimited

Reasonable and necessary expenses for treatment by an authorised doctor, prescribed medicine, semi-private hospital stay and doctor-ordered hospital treatment including operations, in case of acute illness or injury occurring during the trip.

Clause 1.1Page 6

Section: Forsikringsbetingelser > 1 Sygdom > 1.1 Hvilke udgifter dækker rejseforsikringen

I tilfælde af akut sygdom eller tilskadekomst, opstået på rejsen, dækker rejseforsikringen rimelige og nødvendige udgifter til: a) behandling hos læge med autorisation i det land, hvor du bliver behandlet (behandlende læge)

Covered

Emergency medical treatment (unlimited, under Sygdom)

unlimited

Reasonable and necessary expenses for treatment by an authorised doctor, prescribed medicine, and doctor-ordered hospital treatment, including operations, in case of acute illness or injury occurring during the trip; the cover is unlimited.

Clause 1.1Page 6

Section: Forsikringsbetingelser > 1 Sygdom > 1.1 Hvilke udgifter dækker rejseforsikringen

I tilfælde af akut sygdom eller tilskadekomst, opstået på rejsen, dækker rejseforsikringen rimelige og nødvendige udgifter til: a) behandling hos læge med autorisation i det land, hvor du bliver behandlet (behandlende læge)

Covered

Hospitalisation

unlimited

Covers hospital stay on a semi-private (two-bed) ward and doctor-ordered treatment on hospital, including operations, under the unlimited Sygdom (illness) cover.

Clause 1.1Page 6

Section: Forsikringsbetingelser > 1 Sygdom > 1.1

d) hospitalsophold på tosengsstue (semiprivate) og lægeordineret behandling på hospital, herunder operationer,

Covered

Outpatient (ambulant) treatment

unlimited

Covered under the unlimited Sygdom cover; if SOS International's doctor assesses that ambulant treatment can replace hospital admission, hotel and food costs of up to 1,500 kr. per day are also covered.

Clause 1.1Page 7

Section: Forsikringsbetingelser > 1 Sygdom > 1.1

l) ophold på hotel og fortæring, med op til 1.500 kr. pr. dag, i tilfælde af, at SOS Internationals læge vurderer, at du kan behandles ambulant i stedet for indlæggelse på hospital.

Covered

Emergency dental treatment

DKK 3K

Covers unpostponable and acute dental treatment up to 3,000 kr.; payout requires that the insured has followed normal dental care with at least one annual check-up.

Clause 4.1Page 9

Section: Forsikringsbetingelser > 4 Tandlæge og fysioterapi m.m.

b) uopsættelig og akut tandlægebehandling.

Covered

Repatriation / medical transport home

unlimited

Unlimited cover for extra costs of medically necessary transport home to Denmark, including taxi or doctor-ordered ambulance from hospital/airport to the insured's home after repatriation.

Clause 2.1Page 8

Section: Forsikringsbetingelser > 2 Hjemtransport > 2.1

e) udgifter til taxa eller lægeordineret ambulance fra hospital eller lufthavn til din bopæl i Danmark, efter at SOS International har hjemtransporteret dig til Danmark.

Covered

Medical evacuation / repatriation home

unlimited

Unlimited cover for medically necessary transport home to Denmark in case of acute illness or injury; SOS International's doctor decides, after contact with the treating doctor, whether repatriation is necessary and which means of transport to use.

Clause 2.1Page 8

Section: Forsikringsbetingelser > 2 Hjemtransport > 2.1 Hvilke udgifter dækker rejseforsikringen

ekstraudgifter til hjemtransport til bopæl/hospital i Danmark. SOS Internationals læge vurderer - efter kontakt til behandlende læge - om en hjemtransport er nødvendig og forsvarlig samt hvilket transportmiddel, der i bekræftende fald skal benyttes.

Covered

Repatriation of remains

unlimited

Unlimited cover for repatriation to an undertaker/crematorium in Denmark in the event of death, including legally required measures such as embalming and a zinc coffin. If relatives choose local cremation or burial instead, cover is capped at what repatriation would have cost.

Clause 2.1Page 8

Section: Forsikringsbetingelser > 2 Hjemtransport > 2.1

b) udgifter til enten hjemtransport til bedemand/krematorium i Danmark ved dødsfald inkl. udgifter til lovbefalede foranstaltninger f.eks. balsamering og zinkkiste eller, c) udgifter til kremering og/eller begravelse på stedet, hvis de pårørende ønsker dette - rejseforsikringen dækker maksimalt, hvad en hjemtransport ville koste

Covered

Search and rescue

DKK 100K

Covers necessary costs of search and/or rescue up to 100,000 kr., subject to a 10% deductible (minimum 2,500 kr.) per claim, and an overall cap of 300,000 kr. per incident regardless of the number of policies involved.

Clause 5.5.2Page 10

Section: Forsikringsbetingelser > 5 Personlig sikkerhed > 5.5 Eftersøgning og redning

Uanset antallet af tegnede forsikringer og forsikringstagere er den maksimale erstatning, der kan udbetales ved ét skadetilfælde, begrænset til 300.000 kr.

COVID-19 treatment

No limit stated

Not separately addressed in the terms and conditions.

Conditional

Pre-existing / chronic conditions

Conditional

Chronic or existing conditions that are not stable are, as a starting point, not covered; cover is excluded if, within 2 months before departure, the condition led to hospitalisation, a non-routine doctor visit, or a change in medication. A voluntary pre-assessment can be requested from SOS International to clarify eligibility.

Page 3

Section: Vær opmærksom på > Kroniske eller eksisterende lidelser

Hvis du har en kronisk eller eksisterende lidelse, der ikke er stabil, er du som udgangspunkt ikke dækket for dette på din rejse.

Winter sports cover

No limit stated

Not separately addressed in the terms and conditions.

Adventure sports cover

No limit stated

Not separately addressed; the general exclusion only applies to professional, contractually paid sport and scientific expeditions requiring special local authority permits, not recreational adventure activities.

Clause 23Page 20

Section: Fællesbetingelser > 23 Generelle undtagelser

d) krav opstået i forbindelse med din deltagelse i videnskabelige ekspeditioner, under udøvelse af eller træning til professionel sport

Covered

Pregnancy complications

unlimited

Pregnancy complications are covered as acute illness under the unlimited Sygdom cover, including treatment of an unborn or premature baby up to 4 weeks before the expected due date; a known, normally progressing birth within 4 weeks of the due date is not covered.

Clause 1.1Page 6

Section: Forsikringsbetingelser > 1 Sygdom > 1.1

f) fødsel, behandling af et ufødt barn eller et barn, der er født for tidligt, indtil 4 uger før forventet fødselstidspunkt. Udgifterne er dækket under morens rejseforsikring.

Personal liability

No limit stated

Not listed among the coverages of this travel insurance product.

Legal assistance

No limit stated

Not listed among the coverages of this travel insurance product.

Covered

24/7 emergency assistance

Covered

SOS International's alarm centre can be contacted worldwide, 24 hours a day, 365 days a year, for assistance with illness, accident, repatriation, evacuation, cancellation and other covered claims.

Page 4

Section: Hvad gør du, hvis du får brug for din forsikring > Hvordan anmelder du en skade

Du kan - over hele verden - benytte SOS Internationals alarmcentral. Alarmcentralen er åben 24 timer i døgnet - 365 dage om året.

Key conditions

Assistance call deadline

SOS International's 24-hour alarm centre must always be contacted as soon as possible in cases of illness, accident, hospitalisation, repatriation, evacuation, search and rescue, or hostage situations. Hospitalisation abroad always requires contact with SOS International, and ambulance flights must be pre-approved by SOS International.

Unauthorized treatment

Costs for treatment, transport or repatriation arranged by yourself are only covered up to what SOS International would have paid for arranging the same service; costs arising because you do not follow SOS International's doctor's instructions, or continue treatment after SOS International's doctor has decided repatriation should take place, are not covered.

Purchase while abroad

The travel insurance must be purchased and paid for before departure from Denmark; it cannot be taken out once travel has already begun, and cover applies only within the geographical area stated on the policy.

Chronic conditions

Chronic or existing conditions that are not stable are, as a general rule, not covered; cover is excluded if, within the 2 months before departure, the condition led to hospitalisation, a non-routine doctor visit, or a change in medication. A voluntary pre-assessment with SOS International can clarify eligibility in advance.

Pregnancy

Pregnancy complications are covered as acute illness, but a known, normally progressing birth within 4 weeks of the expected due date, or any treatment need known before departure, is not covered.

Pre-existing condition exclusions

Pre-existing conditions are only covered if, within the 2 months prior to departure, they have not led to hospitalisation, a non-routine medical consultation, a change in medication, or being placed on a waiting list for assessment/treatment; a voluntary online pre-assessment with SOS International can clarify eligibility.

Coverage duration limit

Cover under the annual policy is limited to trips of up to 60 consecutive days each; if a trip lasts longer, it is not covered and separate cover must be purchased for the whole trip. If the return journey is delayed through no fault of the insured, the period is automatically extended by up to 14 days without extra premium.

Direct payment

For hospital admissions, SOS International's alarm centre will, where necessary, provide a payment guarantee directly to the treating hospital. For doctor visits or emergency room treatment outside the EU/EEA, or if the blue EU health insurance card is not accepted, you can ask the provider to bill SOS International directly, or pay yourself and claim reimbursement afterwards with medical documentation and original receipts.

Territorial scope

Covers private holiday trips worldwide of up to 60 days per trip, starting and ending in Denmark; cover applies only within the geographical area stated on the policy.

Documents

Terms and Conditions - Annual Travel Insurance (edition 021223, current) (opens in a new tab)

Terms & conditions · PDF

Terms and Conditions - Annual Travel Insurance incl. Cancellation Insurance (edition 010323, previous) (opens in a new tab)

Terms & conditions · PDF

Product page - Annual Travel Insurance (opens in a new tab)

Other document · PDF

Policy specifics

Trip cancellation (optional add-on)

Optional add-on cancellation insurance covering trip cancellation due to acute illness or death in the family

Source

Section: Tilvælg afbestillingsforsikring

Tilvælger du en afbestillingsforsikring, er du fx dækket, hvis du/I bliver forhindret i at rejse på grund af akut sygdom hos dig selv, én af dine nærmeste eller din rejsefælle. Årsagen kan også være, at én i din nærmeste familie dør.

Extended holiday compensation

Optional coverage for active holiday activities and unused holiday days due to injury or illness

Source

Section: Skal du af sted på aktiv ferie?

Udvidet feriekompensation er et tilvalg til husstandens årsrejseforsikring, og den giver mulighed for kompensation for ødelagte feriedage, hvis én af jer får en skade.

Baggage delay coverage

Coverage for expenses due to delayed baggage arrival at destination

SourceClause 14Page 15

Section: Forsikringsbetingelser > 14 Bagageforsinkelse

Rejseforsikringen dækker rimelige, nødvendige og dokumenterede ekstraudgifter til erstatningskøb eller erstatningsleje svarende til det savnede, i tilfælde af at din indskrevne bagage er forsinket mere end 5 timer i forhold til din ankomst til et bestemmelsessted uden for Danmark.

Crisis evacuation (war, terror, natural disaster, epidemic)

Covers transport, hotel, food, clothing and local transport in connection with evacuation to the nearest safe destination or to Denmark, when recommended by the Danish Ministry of Foreign Affairs, Statens Serum Institut or local authorities. Transport costs are covered up to 50,000 kr., plus an additional 15,000 kr. for other extra costs.

SourceClause 5.4Page 10

Section: Forsikringsbetingelser > 5 Personlig sikkerhed > 5.4 Evakuering

Rejseforsikringen dækker rimelige og nødvendige udgifter til transport, hotelophold, fortæring, tøj og lokal transport i forbindelse med evakuering til nærmeste sikre destination eller til Danmark.

Pre-assessment for chronic conditions

Requirement for pre-assessment notification if policyholder has chronic or existing medical conditions

Source

Section: Få en forhåndsvurdering, hvis du er syg eller har en kronisk lidelse

En forhåndsvurdering ser på, om årsrejseforsikringen kan dække, hvis du har en kronisk eller eksisterende lidelse.

Trip duration limit

Coverage is limited to trips of maximum 60 consecutive days

Source

Section: Årsrejseforsikring - din sikkerhed på rejsen

Hos Vestjylland Forsikring tilbyder vi en årsrejseforsikring, der dækker ferierejser for dig og hele husstanden i op til 60 dage pr. rejse i hele verden.

EU Health Insurance Card coordination

Travel insurance does not cover services already covered by the EU Health Insurance Card in EU/EEA countries

Source

Section: Hvorfor skal jeg have det blå sygesikringskort med på rejsen?

Du skal altså have det blå sygesikringskort med på rejser i EU/EØS lande, fordi rejseforsikringen ikke dækker det, som kortet allerede giver adgang til.

SOS International service partnership

Claims handling and emergency medical assistance provided through SOS International partnership

Source

Section: Særlige fordele med årsrejseforsikringen

Sammen med vores samarbejdspartner SOS International giver vi dig den sikkerhed, du har brug for:

Coverage start and end points

Coverage begins when leaving home address and ends upon return to Danish home address

Source

Section: Særlige fordele med årsrejseforsikringen > Starter i Danmark

Forsikringen dækker, fra du forlader din bopæl og stopper ved hjemkomsten til din bopæl i Danmark.

Add-on to home contents insurance

The annual travel insurance is a rider (tillægsforsikring) to the policyholder's home contents insurance and cannot be bought standalone. It covers the same persons as the home contents policy, plus the policyholder's own children under 21 living with the other parent when travelling with the insured; under the current edition, covered persons must have a Danish civil registration (folkeregister) address.

SourcePage 3

Section: Vær opmærksom på

Forsikringen er en tillægsforsikring til indboforsikringen, og det fremgår derfor af din police for indboforsikringen, hvis du har tegnet en rejseforsikring. Forsikringen omfatter den samme personkreds, som er omfattet af indboforsikringen. Det er dog en betingelse, at de omfattede personer har folkeregisteradresse i Danmark.

Sources

Vestjylland Forsikring Travel insurance

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