Vestjylland Forsikring g/s (mutual insurance company)
Vestjylland Forsikring
Vestjylland Forsikring is a travel insurance for the Denmark market with online purchase and 24/7 assistance.
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.
Geographic scope
Worldwide
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.
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 1,000,000 kr. cover for medical malpractice suffered abroad, well beyond typical minimum requirements.
Coverage limits
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.
24-hour medical helpline
Covered
Free access during the trip to SOS International's 24-hour Danish-speaking doctor helpline for advice on treatment, prescribed medicine, and finding suitable doctors and dentists abroad.
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.
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.
Emergency dental treatment
DKK 3,000
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.
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.
Evacuation
DKK 50,000
Covers transport, hotel, food, clothing and local transport in connection with evacuation to the nearest safe destination or to Denmark, recommended by the Danish Ministry of Foreign Affairs, Statens Serum Institut or local authorities. Transport costs are covered up to 50,000 kr., with an additional 15,000 kr. for other extra costs.
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.
Search and rescue
DKK 100,000
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.
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.
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.
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.
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.
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.
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.
Where to buy
Policy specifics
Flight cancellation coverage
Optional add-on cancellation insurance covering trip cancellation due to acute illness or death in the family
SourceExtended holiday compensation
Optional coverage for active holiday activities and unused holiday days due to injury or illness
SourcePre-assessment for chronic conditions
Requirement for pre-assessment notification if policyholder has chronic or existing medical conditions
SourceEU Health Insurance Card coordination
Travel insurance does not cover services already covered by the EU Health Insurance Card in EU/EEA countries
SourceSOS International service partnership
Claims handling and emergency medical assistance provided through SOS International partnership
SourceCoverage start and end points
Coverage begins when leaving home address and ends upon return to Danish home address
SourceAdd-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.
Source