travel insurance denmark

Europæiske ERV travel insurance Denmark

Europæiske erv is the leading provider of travel insurance in denmark and has been so since 1920..

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Leading travel insurance provider in Denmark

Europæiske ERV was the first provider of travel insurance in Denmark and today retains the leading position in the travel insurance market.

Travelling safely

We have over 100 years of experience in providing security and safety to travellers. The majority of Danish tourists and travellers take out their travel insurance with us. We have obtained this loyalty by guaranteeing personal and swift assistance to our customers no matter where in the world they are when an accident occurs.

Ownership and organisation

Europæiske ERV is owned by the German insurance corporation, ERGO , and has sister-companies in many European countries. This means that you carry one of the world’s biggest networks in your luggage, when you choose Europæiske ERV as your travel insurance company. Even so we continue to focus on the individual customer, and you still speak to our skilled employees in Denmark.

Member of the International Travel Insurance Alliance (ITIA)

ITIA consists of an association of international companies offering travel insurance products and other travel related services. ITIA is headquartered in Munich and went under the name ETIG until 2018.

If Travelcare helps you 24/7 while travelling, e.g. if you need to get back home or find an appropriate hospital.

If you become acutely ill or are hospitalized for more than half of the planned duration of your holiday trip, you can get a new holiday trip through Travel Plus.

With Travel Super, the entire household is always covered for the first 60 days of the trip.

Many people think that travel insurance is something completely superfluous and that public health insurance and EU health insurance give them full cover while travelling abroad – but this is not true. The yellow Public Health Insurance Card only covers travel in Denmark, while the blue EU Health Insurance Card covers travel in EU/EEA countries – but only to a limited extent. The blue card, for example, does not cover your transport home if you become ill while travelling. It is important for you to have a private travel insurance, so you can always get help when travelling in the rest of the world - and if you want to be on the safe side in Europe and Denmark.

Additional cover

For those who want to be on the safe side

This addition to our travel insurance covers your luggage, e.g. suitcases and clothes you take on holiday trips abroad.

Covers up to 3 months from the date of departure.

You can choose a sum of DKK 50,000 or DKK 100,000 per traveller.

This additional cover extends your travel insurance to include injuries caused by participation in winter sports while on holiday.

The additional cover protects you when skiing, snowboarding or taking part in any similar winter sport.

What does our travel insurance cost?

When you calculate your travel insurance price you will find the price depends on many things, e.g. whether it should cover the whole world or just Europe.

The price also depends on whether you want our most basic travel insurance, or whether you want Travel Plus or Travel Super.

With the many different types of travel insurance to choose from, the price is very much up to you.

Which countries does the European cover include?

The travel insurance in Europe covers all the EU/EEA countries:

Belgium, Bulgaria, Cyprus, Estonia, Finland, France, Greece, Holland, Ireland, Italy, Iceland, Croatia, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Britain, Sweden, Czech Republic, Germany, Hungary and Austria.

We do not consider overseas colonies to be part of the EU.

If an EU/EEA country's status changes, the cover changes accordingly.

Besides the countries above, we also cover: Andorra, Greenland, the Faroe Islands, the Isle of Man, San Marino, Monaco, Switzerland and the Vatican City.

See the countries are covered

Which countries does the worldwide cover include?

The travel insurance with worldwide cover includes everywhere except for areas the Ministry of Foreign Affairs advises against you not to travel to, e.g. because of war or an epidemic.

Who does the travel insurance cover, and for how long?

Our travel insurance covers your entire household all year round, no matter how many times you travel. It covers private holidays of up to 30 or 60 days, depending on your chosen cover.

The travel insurance also provides cover even if the whole household does not visit the same place – for example, the children could go to London while the adults go to Greece.

How does the travel insurance differ from the EU Health Insurance?

The yellow Public Health Insurance Card stopped providing cover outside Denmark on August 1st 2014. The blue EU Health Insurance Card replaced it in Europe.

This means you have to use the blue EU Health Insurance Card or your private travel insurance if you are injured or become ill in Europe.

The cover of our private travel insurance is to some extent the same as that of the blue EU Health Insurance Card. Furthermore, our travel insurance provides other additional cover, e.g. refund of some expenses that the blue EU Health Insurance Card does not cover.

The blue EU Health Insurance Card only covers certain situations, and only in EU/EEA countries. When buying travel insurance you choose whether it is to provide cover worldwide or only in Europe (like the blue EU Health Insurance Card). You also choose how extensive the travel insurance is to be.

Travel insurance benefits:

Our travel insurance provides you with a Danish 24-hour emergency call centre that will help you when you travel abroad. (The blue EU Health Insurance Card does not provide this cover.)
Our travel insurance helps you get the best emergency treatment abroad, in either a private or a public hospital. (The blue EU Health Insurance Card does not cover treatment in private hospitals.)
Our travel insurance can repatriate you to Denmark if necessary. (The blue EU Health Insurance Card does not provide this cover.)

Read more about how the blue EU Health Insurance Card covers you in individual countries: The blue EU Health Insurance Card .

How does the insurance cover illness before a trip?

If you are chronically or seriously ill you must investigate whether your travel insurance covers medical bills, hospital stays etc. in case you need treatment while travelling.

Occasionally we may give you binding advance approval for travel whilst you are ill, meaning the travel insurance covers your specified illness.

We conduct advance medical assessments through SOS International. Feel free to call us on +45 70 12 12 12 or email us at [email protected] if you want to know more.

How does an annual travel insurance differ from a single travel insurance?

An annual travel insurance is valid all year round, covering you all the time, on both planned and spontaneous trips abroad.

A single travel insurance only covers you for a short period of time, usually a single journey - the length and location of the cover are usually determined during the purchase process.

With an annual travel insurance you are always ready to travel, while you need to buy a single travel insurance before each individual trip. If you would also like to relax before departure, it is a good idea to have an annual travel insurance.

Because we want to safeguard and help you to the best of our ability we only offer annual travel insurances – this means you are always covered, even on those spontaneous trips.

How do I get a cancellation insurance?

You can easily get a cancellation insurance at If. When you select either Travel Plus or Travel Super cancellation insurance is automatically included in the travel insurance.

The cancellation insurance means you can easily cancel trips, e.g. if you have undergone surgery, are pregnant or are needed in court.

Your cancellation insurance is valid in the same countries as the rest of your travel insurance.

We refer to the current terms and conditions for the travel insurance:

Terms and Conditions - Travel Insurance (in danish)
Where does the European Coverage Apply? (in danish)

Here you will find our purchase terms.

Information when Purchasing Insurance (in danish)

Read more about the insurance in our document containing information about the insurance product:

Product Information about Travel Insurance (in danish)

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Travel Insurance for a Denmark Vacation (2024)

Travel insurance for Denmark vacations can provide peace of mind and cover medical and cancellation-related expenses that sometimes arise during international travel.

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Tom Adams is a writer based in the U.K. who specializes in travel advice. Previously, he has written for sports brands, travel blogs and even an archaeological study.

Tori Addison is an editor who has worked in the digital marketing industry for over seven years. A journalist by trade, her experience includes communications and marketing management in the nonprofit, governmental and academic sectors.

Denmark is a beautiful Scandinavian country celebrated for its safety, architecture, food and rich culture. There is much to see and do, from walking in the footsteps of Hans Christian Andersen to exploring the birthplace of LEGOs.

If Denmark is one of your upcoming trip destinations, take care of your trip investment by securing good travel insurance. This guide will explain who needs travel insurance and how to get it. We’ll also describe the different coverage options and give you a few tips for your trip.

Compare Denmark Travel Insurance Companies

Why trust marketwatch guides.

Our editorial team follows a comprehensive methodology for rating and reviewing travel insurance companies. Advertisers have no effect on our rankings.

Companies Reviewed

Quotes Collected

Rating Factors

Do I Need Travel Insurance for Denmark?

Travel insurance is only required for a trip to Denmark if you plan to stay long enough to need a Schengen visa . This is a special visa that allows you to freely move between Schengen countries including Iceland, Switzerland and Croatia among others. You must have a Schengen visa if you plan to stay in Denmark longer than 90 days. Depending on your country of residence, you may also need to apply for a Schengen visa.

Most U.S. travelers are exempt from this requirement, as they are from travel insurance, which isn’t necessary to enter Denmark. However, traveling without insurance could leave you paying out of pocket for unexpected expenses and delays.

Travel insurance plans provide coverage for trip interruptions , cancellations and travel delays . It supplies a useful safety net for international travel. In addition to covering the cost of lost dollars from delays and cancellations, your travel insurance policy will cover medical expenses if you get sick or get hurt while on vacation. This helps if you plan to participate in Denmark adventures like hiking or camping, where risks of injury are higher.

The following sections will explain different types of insurance coverage that may be beneficial to your Denmark trip.

Cancel for Any Reason Coverage

A smart add-on for any travel insurance plan is cancel for any reason coverage . Also called CFAR, it lets you cancel your trip for reasons that would usually not be covered in your cancellation insurance. This gives you much more flexibility in the lead-up to your vacation. It will even permit you to cancel your trip if you have a change of heart.

However, CFAR has some exclusions worth noting. These include:

You have to accept lower reimbursement rates, such as 50% or 75% of the trip cost.
The rider has a residential requirement: your home state may make you ineligible.
You must buy a CFAR rider within a specific time frame, usually within 14-21 days before the departure date.

Gear Theft Protection

Many basic travel insurance policies have provisions to replace stolen or lost belongings. This is known as gear theft protection. Your insurance provider will help replace or repair items you bring with you on vacation. This is especially helpful if you bring expensive equipment: camping gear, a camera, a laptop, etc.

This coverage will have a deductible, the amount you must pay before the policy kicks in. This means that any items with a value below the deductible will have to be replaced with your own funds.

Coverage for your personal belongings can also be as low as $500 in more affordable policies. That may not work if you plan to haul many expensive items. In that case, you may want to pay a higher premium so that your items are protected or consider insuring each item individually.

Also, if you bought any of the items with a credit card , you may already have some consumer protection through the credit card. Check with your card provider before buying insurance for your gear.

Medical Emergency Insurance and Emergency Medical Evacuation

One of the most important parts of a travel insurance plan is medical emergency insurance. Also known as travel medical insurance , it covers your medical expenses while in Denmark.

Health care is not free in Denmark, and medical costs can get expensive. Your travel health insurance will cover expenses like:

Emergency medical treatment
Medical transport
Hospitalization
Prescriptions

The transport coverage comes into play if you need to be moved to a nearby region like Norway or Sweden for special medical treatment. Then there’s medical repatriation.

Medical repatriation coverage helps with the cost of returning you to your home country for medical help. This can be an unusually high expense. Because of that, experts recommend you have a minimum coverage of $100,000 to cover possible transportation costs.

Rental Car Protection

Some travel insurance policies have the option to include rental car protection. This is usually much cheaper than purchasing protection from a rental vehicle agency.

With a non-EU license, you can drive within Denmark for up to 90 days, provided that you have held a full license for at least a year. If you’re planning to rent a vehicle for your trip, your protection will cover the cost of any damage to the vehicle and can even reimburse you for any items that are damaged or stolen in the vehicle.

Rental car protection has some exclusions. Most are associated with reckless driving or driving under the influence but check the terms of your policy to see the full list.

Trip Cancellation Insurance

Your travel insurance will reimburse you for any non-refundable deposits you made for your trip if you cancel it. This will only apply if you cancel for a reason that’s covered in the policy. Covered reasons usually include:

An unforeseen injury or illness that will prevent you from traveling
Death of a family member or traveling companion
Unnamed storms and natural disasters
Loss of employment

The above list doesn’t include every covered reason. You can find a more detailed list in the terms and conditions of your insurance policy. You can also find specifics of claim procedures and reimbursement limits.

How Much Does Denmark Travel Insurance Cost?

The cost of travel insurance depends on many factors, including your age, your country of residence and the insurance company. Different companies and policies have varying coverage limits and terms, and not all of them will directly affect policy prices.

We requested quotes from ten travel insurance companies for their most affordable plan for a trip to Denmark. The below quotes are for a 30-year-old traveler from Florida, traveling to Denmark for ten days in September 2024, with a total trip cost of $4,000. Policies include coverage for cancellations, interruptions, delays, medical care and evacuation.

These quotes were collected in April 2024 for a trip in September 2024.

Almost all of the plans offer 100% of the insured trip cost in their cancellation coverage. However, World Nomads offers up to $2500 in cancellation insurance. Likewise, most of the plans include $500 for lost or stolen baggage , but World Nomads and Travel Guard offer $1,000 and $750, respectively.

World Nomads Standard is the most expensive plan but provides the greatest medical and emergency evacuation coverage . Tin Leg Economy is the most affordable plan and has adequate coverage when compared to the rest of the providers.

How Do I Get Travel Insurance for Denmark?

Before you buy travel insurance, consider what protection is most important for your trip. Then the minimum coverage limits you need. You can search travel insurance company websites online and calculate your insurance quote based on trip details.

Once you find a plan that supplies the best travel insurance for your trip, you can buy it online. If you’re traveling on a budget, some insurance companies provide cheap plans which still include good coverage.

Denmark Safety Tips

Denmark is one of the safest countries in the world, ranking No. 4 on the 2022 global peace index . Travelers will likely encounter minimal violent crime but should be wary of possible terror incidents in major cities. Petty crimes are rare, and there is almost no risk of natural disasters.

The following tips will help you stay safe during your Danish vacation.

Crime and Safety

Denmark is known for its safety, making it an attractive place for tourists. While petty crimes are uncommon, you should still be wary of pickpockets in busy city centers like Copenhagen.

Always keep your belongings secure and on your body or else leave them in your accommodation. One specific note: photography in the Christiana neighborhood of Copenhagen is prohibited, and in the past tourists have been attacked for taking pictures.

Travel advisories highlight terrorism as a potential risk of traveling to Denmark. Attacks can occur anywhere with no warning and could cause significant interruptions to your trip. While on your vacation, follow local news sources through an app to keep updated on any terror events. Likewise, you can always contact your home country’s consulate in the event of an emergency.

Day Trips, Tours and Excursions

Denmark is filled with historic buildings and breathtaking architecture, so your vacation is bound to have a few tours and excursions. You can enjoy city tours of Copenhagen and visit Tivoli Gardens, the world’s second-oldest theme park. If Tivoli Gardens piques your interest, why not head to Billund and enjoy the renowned Legoland Resort?

When booking private tours or excursions, only choose companies that have good reviews and clear safety regulations. You can hit all the main sights yourself without booking through a company. Should you find yourself lost or in need of help, the locals are friendly and many speak English.

Because the pandemic is no longer considered a global emergency, the Danish government has removed all entry restrictions regarding COVID-19 . However, it recommends you wear a face covering if you have a respiratory infection and self-isolate if you believe yourself to have COVID-19. More information about coronavirus and safety measures can be found on the Danish government website .

The Bottom Line: Is Travel Insurance for a Denmark Vacation Worth It?

Although you may not require travel insurance to enter Denmark, having a comprehensive policy is still a must . Without it, you risk paying out of pocket for any interruptions or expenses that could occur on your trip.

Travel insurance will cover your medical expenses which can be very expensive in Denmark, and it will also reimburse you should your belongings be lost or damaged. Overall, it is a great option if you want to have peace of mind while you explore the pleasures of Denmark.

FAQ About Travel Insurance in Denmark

Do i need travel insurance for denmark.

Visitors to Denmark are only required to have travel insurance if they need to apply for a Schengen visa. Even so, travel insurance will give you a safety net for any delays or interruptions to your trip and can compensate you in the event of a flight cancellation, so you should purchase it before you travel.

Is Danish health care free for tourists?

Health care is free for tourists under the age of 16 and residents of other Nordic countries. You can still receive treatment as a tourist, but you will be charged for the health care you receive. This is why travel insurance is important for a Danish vacation.

What insurance is compulsory in Denmark?

There are no compulsory insurance requirements to enter the country if you’re exempt from the Schengen visa requirements. However, if you plan to rent a vehicle, you must carry liability insurance. Otherwise, you could be fined up to 1,000 DKK (roughly $148 at the time of publication).

Do I need travel insurance when booking my vacation?

You’re not required to have insurance when you book your vacation to Denmark. However, wait until you pay all necessary deposits for your trip before you buy travel insurance. This is because your quote and cancellation reimbursement usually depend on the full cost of the trip.

Methodology: Our Ranking for the Best Travel Insurance Companies

A 30-year-old couple taking a $5,000 vacation to Mexico.
A family of four taking an $8,000 vacation to Mexico.
A 65-year-old couple taking a $7,000 vacation to the United Kingdom.
A 30-year-old couple taking a $7,000 trip to the United Kingdom.
A 19-year-old taking a $2,000 trip to France.
A 27-year-old couple taking a $1,200 trip to Greece.
A 51-year-old couple taking a $2,000 trip to Spain.
Plan availability (10%): We look for insurers with a variety of travel insurance plans and the ability to customize a policy with coverage upgrades.
Coverage details (29%): We review the baseline coverage each company offers in its cheapest comprehensive plan. A provider with robust coverage earns full points, including baggage delay and loss, COVID-19 coverage, emergency evacuation and medical coverage, trip delay and cancellation coverage, and more. Companies also receive points for offering a variety of policy add-ons like accidental death and dismemberment, extreme sports, valuable items, cancel for any reason coverage and more.
Coverage times and amounts (34%): We compare each company’s waiting periods and maximum reimbursement amounts for baggage, travel and weather delays. Companies that offer customers reimbursement after fewer than 12 hours of delays earn full points in this category. We also reward travel insurance providers that cover more than 100% of trip costs in the event of cancellations or interruptions.
Company service and reviews (17%): We look for indicators that a company is well-prepared to respond to customer needs. Companies with an established global resource network, 24/7 emergency hotline, mobile app, multiple ways to file a claim and concierge services score higher in this category. We assess reputation by evaluating consumer reviews, third-party financial strength and customer experience ratings, specifically from AM Best and the Better Business Bureau (BBB).

For more information, read our full travel insurance methodology.

A.M. Best Disclaimer

If you have feedback or questions about this article, please email the MarketWatch Guides team at editors@marketwatchguides. com .

Travel Insurance Denmark: A Complete Guide to Protecting Your Trip

By Kristian Ole Rørbye

Updated: May 31, 2024

Kristian Ole Rørbye

Kristian is from Denmark but now lives in Thailand. As a foreigner in another country, he knows the need to get a good start, especially in finance, such as taking out loans, buying a car, and finding the best internet at a reasonable price.

Travel Insurance Denmark : Travel insurance is essential for any trip, and Denmark is no exception. It provides you with financial protection and peace of mind in case of unforeseen events like illness, injury, theft, or trip cancellation. Accidents and unexpected situations can happen anywhere, and having the right travel insurance will ensure that you're covered during your Danish adventure.

Understanding the Danish healthcare system

Denmark has a high-quality and efficient healthcare system, but it may differ from what you're used to in your home country. The Danish healthcare system is primarily funded by taxes and offers free public healthcare services to its residents.

Travel Insurance Denmark: A Complete Guide to Protecting Your Trip 2

Related : Pharmacy in Denmark

However, this does not mean that tourists can access free healthcare. As a visitor, you will likely be required to pay for any medical treatment you receive, making travel insurance even more essential.

Types of travel insurance for Denmark

Several types of travel insurance policies are available for your trip to Denmark. Choosing the right one is essential based on your travel plans and needs. Here are the most common types:

Factors to consider when choosing travel insurance Denmark

There are several factors to consider when choosing travel insurance for your trip to Denmark:

Make sure the policy you choose covers all the essentials, such as medical expenses, trip cancellations, baggage loss, and personal liability. Additionally, look for coverage specific to Denmark, like emergency dental treatment and repatriation.

Deductibles

The deductible is the amount you'll need to pay out-of-pocket before the insurance company covers any expenses. Choose a deductible that you're comfortable with and that fits your budget.

Read the fine print and understand any exclusions in the policy. Some policies may not cover certain activities, like extreme sports, or may have restrictions based on pre-existing medical conditions.

Customer support

Choose an insurance provider with a good reputation for customer support.

You'll want to ensure they have a responsive and helpful customer service team, as they will be your first point of contact in an emergency or if you need assistance during your trip.

Top travel insurance providers for Denmark

Several reputable travel insurance providers offer coverage for trips to Denmark. Some of the top options include:

World Nomads : Known for their flexible and comprehensive policies, World Nomads is a popular choice among travelers. They offer coverage for various activities, including adventure sports.
Allianz Travel : Allianz is a well-established company offering various travel insurance policies. Their plans cater to different needs, from single-trip coverage to annual multi-trip policies.
AXA travel : AXA provides travel insurance with a strong focus on medical coverage, making it a suitable choice for those with health concerns. They also offer customizable plans to fit your specific needs.

Always compare multiple providers and policies to ensure you get the best coverage and price for your needs.

The claims process for travel insurance

In the event that you need to claim your travel insurance policy, it's crucial to understand the process. Here are the general steps you should follow:

Contact your insurance provider as soon as possible. Most companies have a 24/7 hotline you can call in case of emergencies.
Provide all the necessary documentation, such as receipts, police reports, and medical records, to support your claim.
Fill out the claim form provided by your insurer and submit it along with the required documents.
Wait for your insurance provider to assess your claim and determine if it's covered under your policy. This process may take a few weeks.
If your claim is approved, the insurance company will reimburse you for the expenses covered by your policy.

Tips for a safe and enjoyable trip to Denmark

To make your trip to Denmark as safe and enjoyable as possible, follow these tips:

Stay informed about local laws, customs, and safety advisories.
Always keep a copy of your travel insurance policy and emergency contact numbers with you.
Secure your belongings and be vigilant against theft, especially in tourist areas.
Register with your country's embassy or consulate in Denmark in case of emergencies.
Carry a basic first-aid kit and any necessary medications with you.

Travel insurance is a vital component of planning your trip to Denmark. It ensures that you're protected against unforeseen events, allowing you to enjoy your adventure with the peace of mind. Carefully consider your options and choose a policy that fits your needs and travel plans. With the right travel insurance in place, you can focus on experiencing the beauty and culture of Denmark.

Is travel insurance mandatory for visiting Denmark?

While travel insurance is not legally required for visiting Denmark, protecting yourself against unforeseen expenses and emergencies during your trip is highly recommended.

Can I purchase travel insurance after arriving in Denmark?

It's generally best to purchase travel insurance before your trip. However, some providers may allow you to buy coverage after you've arrived, but there may be waiting periods or limitations in place.

Does travel insurance cover COVID-19-related expenses?

Many travel insurance providers now offer coverage for COVID-19-related expenses, such as medical treatment and trip cancellations. Be sure to check the policy details and confirm that it includes COVID-19 coverage before purchasing.

Will my existing health insurance cover me in Denmark?

Some health insurance policies may provide international coverage, but checking your policy's details is essential. Even if your health insurance covers you abroad, travel insurance is still recommended for additional protection.

ABOUT Kristian Ole Rørbye

Travel insurance for a trip to Denmark

Compared with lots of other countries, Denmark is an extremely safe place to visit. It regularly appears near the top of the annual Global Peace Index , and can therefore proudly stake a claim to being one of the least troubled countries on Earth.

But just because Denmark is safe and peaceful, that doesn’t mean that you’ll always have good luck there. The country still sees its fair share of crime and, just like at home, there’s a chance you could wind up getting involved in an accident. For that reason (and plenty of others) you should definitely invest in some decent travel insurance before your trip to Denmark.

A good policy will cover you against all sorts of mishaps, from stolen phones and laptops to broken ankles caused by icy pavements, and should be up there on your holiday planning list alongside booking your flights and accommodation.

Why you need travel insurance for a trip to Denmark

Who needs travel insurance for a trip to Denmark?

If you’re visiting Denmark and you ordinarily live somewhere else (even if that’s a fellow EU country) then you should seriously consider travel insurance.

While it’s true that EU citizens visiting Denmark get emergency medical care and treatments for pre-existing conditions through the European Health Insurance Card , bills for longer-term treatments and private consultations could add up quickly.

If you’re visiting from outside the EU and the Schengen area, you must be able to prove that you have sufficient travel insurance to cover you during your stay in Denmark and the other Schengen countries.

If you don’t have a travel insurance policy that will cover medical expenses of at least €30,000 (and also cover emergency medical evacuations) then it is likely that your visa application will be rejected outright. The policy needs to be valid for the entire length of your intended stay in the Schengen zone, plus an additional 15 days.

What good travel insurance will protect you against

It’s unlikely that you’ll get tangled up in any sort of crime in Denmark, but there are a few things to keep an eye out for, especially in big cities like Copenhagen . Pickpockets often work crowded areas and are well practiced at pulling smartphones out of pockets and bags without their owners noticing.

You should also keep a close watch on luggage, especially while riding trains and buses. Don’t leave handbags or laptop bags hanging on the back of chairs in restaurants and bars. Thefts from hotel rooms are rare in Denmark, but stuff can go missing from shared dorms at hostels. A good travel insurance policy will cover you against thefts and help you to get gadgets replaced while you’re on the road.

Thanks to Denmark’s low crime rate, you might fancy taking your chances without insurance. The thing is, accidents can happen wherever you are. Ending up in hospital because of a fall, a cycle accident or a car crash is never fun, but insurance can help to ease an already stressful situation and give you all the support you need to get back on track.

Lost items, missed connections and family trouble

Missed your flight? Need to cancel your trip and look after a sick relative back home? Left your snazzy new phone on the bus in rural Denmark? Having a good travel insurance policy to back you up can give you a much-needed mood boost – and save you a stack of cash on replacement flights, accommodation and gear.

Things to look out for when buying insurance

There’s no point in getting travel insurance if it doesn’t cover you for all of the fun activities you’ve got planned for when you arrive. Some insurance companies exclude certain activities and will not pay out if you’re injured while doing those things. This part of the policy is worth checking carefully because even activities that can seem extremely tame (like snowshoeing, for example) can be grouped together with more dangerous sports like snowboarding and skiing.

Winter sports

Compared with Sweden and Norway, proper mountain sports aren’t really a big deal in Denmark (thanks partly to how flat the country is). But insurance companies can still consider things like ice skating as winter sports – so think twice before strapping on those skates at the Christmas market!

Measly payouts

One of the biggest frustrations with travel insurance providers is stingy payouts. If you’ve lost a laptop that costs $1200, getting just $700 back from the insurer seems like a bad deal. Always check the small print and make sure that your gadgets are covered up to their full value (or as close as possible).

Excessive excesses

Another problem with travel insurance can be the unfairly high excesses (the amount of money you have to pay when you make a claim). Good insurance companies tend to keep these excess charges nice and low, so that you don’t end up paying out hundreds just to make a claim. Check the terms and conditions carefully when you buy your insurance and see how much they will want you to cough up if you lose that beloved camera.

A cap on the value of your gadgets

Lots of travel insurance policies put a very low cap on the amount you can claim for gadgets and electronic devices. If you’re travelling with lots of different devices like phones, cameras and laptops, you might want to consider upgrading your policy. Many insurers call this ‘business cover’ but you don’t usually need to be on a business trip to take advantage of it.

The small print

Yes it’s boring and yes it will make your head hurt, but we can’t recommend this enough! A quick read through the small print can help you to feel confident that you’re getting a good policy and will be well looked after in the event that something goes wrong. It will also help you to avoid any nasty surprises when it comes to making a claim.

World Nomads provides travel insurance for travelers in over 100 countries. As an affiliate, we receive a fee when you get a quote from World Nomads using this link. We do not represent World Nomads. This is information only and not a recommendation to buy travel insurance.

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About Gouda

Gouda travel insurance, 100 % safety around the world, we help travellers - at holiday or at work.

Gouda Travel Insurance is one of the largest travel insurance company in Denmark. We have been established in Denmark since 1994 and today we sell travel insurance to both private travelers and business travelers in the Nordic Region. As of November 1st 2013 the activities of Gouda Travel Insurance in Denmark has been bought by Gjensidige Forsikring ASA, Norway, who has insured life, health and values since the first establishment of mutual fire insurers in 1816. Gouda continues as a part of the Danish branch of Gjensidige.

In Denmark Gouda employs more than 100 employees, who are all specialists in travel- and expat insurances.

From our 24 hour open Travel Assistance centre, qualified Danish employees are ready to help travellers, no matter where they are or when they call. The Travel Assistance centre has Danish doctors, nurses and crisis teams on standby, ready to help when needed - throughout the world.

Our most important goal is to ensure our customers’ safety worldwide. Hence, we continually develop our insurance policies ensuring they are among the best on the market – both in terms of quality and price.

Gouda Travel Insurance sells insurance to both the private and the business market. We are delighted that many customers choose our products time after time and that many travel agencies and companies have chosen us as their business partner. More than 300 travel agencies and 100 insurance brokers recommend that their customers buy their insurance from us.

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