Denmark Travel Insurance
Everything you need to know before your trip
Healthcare Cost Level
Free Reciprocal
Avg. ER Visit
Free (EHIC)
Recommended Coverage
$100,000
Evacuation Risk
Minimal
Healthcare in Denmark
What to expect if you need medical care
Denmark offers excellent healthcare quality with widespread English availability, making it easy for travelers to communicate with medical professionals. The system is comprehensive and modern, with facilities throughout the country ensuring you're never far from quality care. However, the cost structure varies dramatically based on your status. EU/EEA citizens with an EHIC card receive free emergency treatment, while others pay private rates. An emergency room visit will cost you around $800, and if you need hospitalization, expect to pay approximately $1,200 per day. These costs can escalate quickly for serious illnesses or injuries. Medical staff speak excellent English, so language barriers won't complicate your care, and documentation is readily available in English for insurance claims.
Reciprocal Healthcare Available
Citizens of EU, EEA, CH, GB may have partial coverage through reciprocal agreements.
EU/EEA citizens with EHIC receive free emergency care; repatriation and non-emergency care not covered
What Your Policy Should Cover
Country-specific considerations for Denmark
Your Denmark policy should address the country's specific risks and popular activities. Cold weather exposure presents moderate risk from October through March, so ensure your policy covers weather-related incidents. Denmark's cycling culture means year-round bicycle accident risk—verify your policy includes coverage for cycling injuries. If you're planning winter sports activities, specifically confirm your policy covers skiing and snowboarding, as these aren't always included in standard plans. For coastal activities, ensure coverage extends to Baltic Sea water sports and sailing. Beyond medical expenses, your policy should include repatriation coverage, which isn't provided by EHIC cards even for EU citizens. Given the high cost of private healthcare, prioritize policies with direct billing arrangements to avoid large upfront payments.
Cold Weather Exposure
Moderate Risk
Peak: October-March
Cycling Accidents
Moderate Risk
Peak: year-round
Activity-Specific Coverage
Winter Sports: Ensure coverage includes ski/snowboard activities
Water Sports: Coverage for Baltic Sea activities and sailing
How Much Coverage Do You Need?
Our recommendation based on Denmark's healthcare costs
The recommended $100,000 coverage level accounts for Denmark's high private healthcare costs and provides adequate protection for serious incidents. While the evacuation risk is minimal thanks to Denmark's excellent local healthcare system, a multi-day hospital stay could easily reach $10,000-$15,000 at $1,200 per day, plus emergency room fees and specialist treatments. The $50,000 minimum provides basic protection, but $100,000 offers a comfortable buffer for complications, extended treatment, or the combination of medical care and repatriation costs that aren't covered by reciprocal healthcare agreements.
Minimum
$50,000
Basic emergencies only
Recommended
$100,000
Full protection
Making a Claim in Denmark
Tips for smooth claims processing
Documentation Required: Medical reports in English or Danish, original receipts, proof of payment, incident reports for accidents
- Request all medical reports in English—Danish healthcare providers readily provide documentation in English, which simplifies your claims process significantly
- Keep original receipts and proof of payment for all medical expenses, as these are essential for reimbursement claims
- For cycling or sports accidents, obtain an official incident report from police or medical staff, as this documentation strengthens your claim
- If you're an EU/EEA citizen, bring your EHIC card for emergency care but understand you'll still need insurance for repatriation and non-emergency treatment
- Denmark's claims process is straightforward with easy documentation requirements—take advantage of the English-language medical reports to file promptly
Get Covered for Denmark
Protect your trip to Denmark with comprehensive coverage from a trusted provider.
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