Compare Travel Insurance in Denmark

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What is travel insurance in Denmark?

Travel insurance in Denmark (rejseforsikring) covers costs that arise before or during a trip, such as medical treatment abroad, emergency transport home, lost or delayed luggage, and cancellation. Danes buy it as single-trip or annual worldwide cover, and many hold an annual policy alongside their home insurance. It sits on top of, rather than replaces, the public health cover Danes carry within Europe.

How the Danish market works

Most Danish insurers sell travel cover directly and as part of household or family policies, and some payment cards include limited travel benefits. A key distinction is between the blue EU health insurance card (det blå EU-sygesikringskort), which covers necessary medical care in the EEA and Switzerland, and private travel insurance, which is needed for the rest of the world and for non-medical costs such as luggage, cancellation and repatriation.

Because the blue card only reaches so far, Danes travelling outside the EEA, or wanting cover for baggage, delays and trip cancellation, buy private insurance. Cover levels, geographic zones and excesses vary, so it pays to read what each insurer includes for medical limits, activities and pre-existing conditions.

Benefits

Travel insurance protects both your health and your money when a trip goes wrong.

Medical and repatriation — cover for treatment abroad and emergency transport home, well beyond what the blue card provides.

Cancellation cover — reimbursement if illness or another insured event forces you to cancel or cut a trip short.

Luggage protection — compensation for lost, stolen or delayed baggage and essential replacement items.

Annual convenience — a single worldwide policy covers every trip in the year, ideal for frequent travellers.

How to choose

Start with where and how often you travel. If you stay within the EEA, the blue card plus a modest policy may suffice; for worldwide trips, prioritise high medical limits and repatriation. Check whether cover is single-trip or annual, the geographic zones, the excess, and any exclusions for adventure sports or pre-existing conditions.

Look at whether family members and children are included, and whether cancellation cover matches the value of your bookings. If you already hold household insurance, ask your insurer what travel benefits are bundled before buying a separate policy.

Leading providers in Denmark

Alm. Brand, Codan, If Forsikring, Gjensidige Denmark and RSA Forsikring are major insurers offering travel cover directly or within household policies. Alka Forsikring, GF Forsikring and Bauta Forsikring are well-known Danish mutual and member-based insurers that also provide travel and family cover. Compare the specific medical limits and exclusions rather than the brand alone.

What it costs

Annual worldwide travel cover in Denmark starts from around DKK 200 per year for basic policies, rising with higher medical limits, wider geographic zones, family cover and lower excesses. Single-trip policies are priced by destination, duration and traveller age. Add-ons for winter sports, expensive equipment or cancellation on high-value bookings increase the premium, so match the cover to your actual trips.

Protections and regulation

Insurers operating in Denmark are supervised by Finanstilsynet, the Danish FSA. If a claim is refused or handled poorly, you can escalate to the relevant appeals board (Ankenævnet for the insurance sector) after complaining to the insurer. Keep in mind the blue EU health card covers necessary care in the EEA and Switzerland but not repatriation or non-medical losses, which is why private cover remains important.

Common questions

Do I still need insurance if I have the blue card? For EEA travel it helps, but the blue card does not cover repatriation, luggage or cancellation, so most travellers add a policy. Is annual or single-trip better? Frequent travellers usually save with an annual worldwide policy; occasional travellers can buy per trip. Are pre-existing conditions covered? Often only if declared and accepted, so always tell the insurer before you travel.

Travel Insurance in Denmark — FAQ