Whether you’ve recently moved to Denmark, been a long-term expat, or simply visiting family and friends from abroad, having travel insurance in Denmark can be a vital safety net. While Denmark has a strong public healthcare system, its coverage doesn’t usually extend beyond the country’s borders, or kick in right away for new residents for that sake.
Travel insurance helps cover unexpected costs when you’re abroad, such as medical emergencies, lost luggage, or last-minute trip cancellations. For foreigners living in Denmark, understanding how and when to use travel insurance is key to staying protected while traveling.
On this page, we cover what kind of travel insurance you may need, what your options are, and how to choose the right plan in Denmark. Once you’ve read it, you can travel with peace of mind. You will also find our top recommendation for a travel insurance provider in Denmark.
Here are the key points in this article:
- Importance of Travel Insurance in Denmark: Travel insurance provides vital financial protection against unexpected costs such as medical emergencies, lost luggage, or trip cancellations, especially since Denmark’s public healthcare coverage is limited outside the country.
- Recommended Travel Insurance Provider: Europæiske ERV is suggested as a trusted provider in Denmark, offering dependable and flexible coverage options suited for various travel needs, supported by over 100 years of experience.
- Who Needs Travel Insurance in Denmark?: Foreign residents, new arrivals awaiting healthcare coverage, visitors from outside Denmark, and frequent travelers are among those who should consider acquiring travel insurance to cover potential risks.
- Coverage Typically Included in Travel Insurance: Standard plans usually cover emergency medical treatment, hospital stays, trip cancellation, lost luggage, travel delays, and personal liability, while exclusions often involve pre-existing conditions and high-risk activities.
- Factors to Consider When Choosing a Policy: Assessment of travel frequency, coverage needs, existing health coverage, and policy details like deductibles and excluded activities are crucial for selecting suitable travel insurance in Denmark.
The Best Travel Insurance in Denmark for You
If you’re currently searching for travel insurance in Denmark, we recommend Europæiske ERV. They’ve been helping travelers for years and are known for offering dependable, flexible coverage. Whether you need basic protection, cancellation insurance, or a more tailored plan for studies, long-term trips, or even skiing holidays, Europæiske ERV has options to suit your needs. Their strong reputation for customer service and attention to individual situations makes them a reliable choice for both everyday and adventurous travelers.
Europæiske ERV has over 100 years of experience in providing travelers with safety and peace of mind. They offer a wide range of travel insurance options, ranging from basic coverage to youth, ski, and backpacker insurance, which makes them a trusted choice for secure journeys.
If you are looking for a more detailed guides on different types of insurances in Denmark, you may want to check out our other guides, where we cover these topics in detail:
- Best Health Insurance for Foreigners in Denmark
- Best Critical Illness Insurance in Denmark for Foreigners
- Best Life Insurance in Denmark
Who Needs a Travel Insurance in Denmark?
Not everyone in Denmark will need the same type of travel insurance, but several situations call for it, especially if you’re a foreigner. Thus, we have gathered some of the most common cases where travel insurance in Denmark is either recommended or required:
- Foreign residents traveling abroad: If you’re living in Denmark and planning to travel outside the EU or Schengen Area, your yellow, Danish health card won’t cover you. Having a private travel insurance will help ensure you’re protected in case of illness or emergencies.
- New arrivals: If you’ve recently moved to Denmark and are waiting for your CPR number and yellow card, you may not yet have access to the public healthcare system. In the meantime, travel insurance in Denmark can act as a temporary safety net.
- Visitors from outside Denmark: If you’re hosting friends or family from abroad, travel insurance is especially important. In fact, Schengen visa applicants are required to have coverage for their stay in Denmark.
- Frequent travelers: If you regularly travel for work or leisure, an annual travel insurance plan can save money and provide consistent coverage, no matter how often you’re away.
Understanding which category you fall into can help you choose the right policy, so you’re not caught off guard by unexpected costs.
What Does Travel Insurance in Denmark Typically Cover?
Travel insurance can give you peace of mind when you’re away from home: whether you’re going on holiday, studying abroad, or visiting family. In Denmark, travel insurance policies usually cover a mix of medical, financial, and logistical issues that can arise before or during your trip. However, the specific details depend on the provider and the type of plan you decide to go with.
Below, we have put together an overview of the most common things that are typically covered and what is usually not included in standard travel insurance plans:
| Typically Covered | Typically Not Covered |
|---|---|
| Emergency medical treatment abroad | Pre-existing medical conditions (unless declared) |
| Hospital stays and medical transport | Traveling against official advice (e.g., war zones) |
| Trip cancellation due to illness or emergencies | High-risk activities unless covered (e.g. scuba diving) |
| Lost or stolen luggage and personal belongings | Lost cash or valuables not securely stored |
| Travel delays and missed connections | Claims without proper documentation or receipts |
| Personal liability (accidents involving others) | Routine or planned treatments (e.g. dental cleaning) |
| Repatriation to Denmark or country of origin | Incidents related to alcohol or drug use |
Always read the policy details carefully to understand any exclusions, coverage limits, or required documentation. Many providers offer add-ons, like winter sports or student travel, so it’s worth tailoring your plan to match your travel purpose.
What to Consider When Choosing Travel Insurance in Denmark
Choosing the right travel insurance as a foreigner in Denmark depends on your travel habits, needs, and existing coverage. Start by asking yourself where you’re going and how often you travel. If you only take one or two short trips per year, a single-trip policy may be sufficient. But if you travel frequently or live between countries, an annual multi-trip policy could save you money and time.
Next, think about what kind of coverage you need. Do you need basic protection for medical emergencies, or would you feel more secure with cancellation, lost baggage, and personal liability included? Families, students, and people with pre-existing health conditions might benefit from more comprehensive packages.
If you’re an EU/EEA resident with a valid health card (blue EU card), you may already have access to emergency healthcare in certain countries—but this often doesn’t include repatriation, private hospitals, or other unexpected costs. For non-EU foreigners, travel insurance becomes even more important, as you’re unlikely to be covered abroad by Denmark’s public healthcare system.
Finally, make sure to check the fine print: what’s the deductible? Are adventure sports or business trips excluded? Are pre-existing conditions covered? These details can make a big difference when you need to file a claim.
Comparing providers online through tools like insurance comparison platforms can help you quickly get an overview of prices, coverage, and reviews, so you can find a plan that truly fits your needs.
Understand Travel Insurances in Denmark
Travel insurance is widely used in Denmark, especially among travelers going outside the EU/EEA. According to a 2023 report by Forsikring & Pension (the Danish Insurance Association), over 1.2 million travel insurance policies were active in Denmark that year. Roughly 80% of Danes reported having some form of travel insurance when going abroad.
For foreigners living in Denmark, the need for private travel insurance is even more relevant. While Danes benefit from the public healthcare system abroad through agreements like the EHIC card, most non-EU foreigners do not. A 2022 survey by Statista showed that over 30% of foreign residents in Denmark purchased private travel insurance independently, especially when traveling to non-EU countries or returning home for visits.
The average cost of a private travel insurance policy in Denmark ranges between €100–€250 per year, depending on the type of coverage, destination, and length of travel. Policies with trip cancellation and extended health coverage tend to cost more but offer more peace of mind.
Travel insurance claims in Denmark are most commonly filed for:
- Medical emergencies (45%)
- Trip cancellations (25%)
- Lost or delayed luggage (15%)
- Accidents or personal liability (10%)
These figures highlight how common and useful travel insurance can be—especially when traveling with kids, on longer trips, or for non-EU nationals who need more comprehensive protection.
FAQ About Travel Insurances in Denmark
Is travel insurance mandatory for foreigners living in Denmark?
Travel insurance is not mandatory for residents of Denmark traveling within the EU/EEA with a valid health card (EU blue card). However, it’s strongly recommended—especially for trips outside Europe or if you’re a non-EU citizen without access to public healthcare abroad.
Does the Danish public health system cover me when I travel abroad?
Not entirely. If you’re traveling within the EU/EEA, your blue EU health card offers limited emergency care, but it doesn’t cover repatriation, private hospitals, or non-urgent treatments. For non-EU countries, there is no coverage, so private travel insurance is essential.
What should I look for in a travel insurance policy?
Look for coverage that includes medical emergencies, trip cancellations, lost baggage, and personal liability. Also check if the plan includes extras like repatriation, adventure sports, or coverage for chronic illnesses, depending on your travel plans.
Can I get travel insurance if I already have a residence permit in Denmark?
Yes. Most Danish insurance providers offer travel insurance to residents, including foreigners with a CPR number. Some insurers may require a NemID or MitID login to purchase coverage online.
What is the difference between single-trip and annual travel insurance?
Single-trip insurance covers one journey, typically up to 30–60 days. Annual travel insurance (also known as multi-trip insurance) covers unlimited trips within a 12-month period, usually with a maximum trip length per journey (e.g., 30 days). Annual policies are ideal for frequent travelers.
Do students and au pairs in Denmark need travel insurance?
Yes, especially if you plan to travel outside Denmark or Europe. Some student-specific or au pair travel insurance plans offer tailored coverage that includes medical expenses, liability, and even emergency return travel.
How much does travel insurance cost in Denmark?
Prices vary based on your age, destination, coverage level, and duration. A basic single-trip plan within Europe can cost around €15–€30, while an annual multi-trip policy with full coverage might range from €100–€250 per year.
