- The best travel insurance plans for Denmark
- Is it currently safe to travel in Denmark?
- Is travel insurance required to enter Denmark?
- Why take out travel insurance for Denmark?
- What travel insurance for Denmark should cover
- The cost of travel insurance for Denmark
- How to pay less for your travel insurance to Denmark
- Your current insurance coverage in Denmark
- FAQ
Travel insurance for Denmark: key takeaways
1. Definition: Travel insurance for Denmark covers medical emergencies, trip cancellation, and lost personal belongings.
2. Key protection: Insurance is not mandatory, but US health plans rarely cover you in Denmark.
3. Healthcare cost: A hospital stay in Denmark can easily exceed $1,000 per night for foreign visitors.
4. Price: A one-week travel insurance plan for Denmark typically costs between $30 and $60.
5. Good to know: Your policy should be valid for the entire Schengen Area, not just Denmark.
Why trust HelloSafe?
HelloSafe is an international specialist in travel insurance comparison, advising over one million travelers every month. After analyzing 38 travel insurance policies available in the US, our experts share here everything you need to know to choose the best travel insurance for Denmark.
The best travel insurance plans for Denmark
| Contract we recommend | Medical reimbursement limit | Our view |
|---|---|---|
| HelloTravel Premium | $1.1M | Our top choice for Denmark, offering serious coverage for all types of travel. - very high medical limit - repatriation guarantee - recognized claims process |
| Cap Assistance 24/24 | $1.1M | Strong support for US travelers to Denmark with simple procedures. - 24/7 helpline - cancellation option - no deductible |
| Tourist Card | $0.55M | A practical plan for tourism in Denmark with solid essentials. - good emergency cover - direct billing - accessible to all ages |
| Travel Pass Monde | $0.77M | For travelers seeking balanced protection and flexibility in Denmark. - repatriation included - covers hospital care - competitive price ceiling |
| Globe Partner | $0.33M | Suitable for stays abroad with key protections and simple claims. - medical evacuation - liability included - easy documentation |
| Globe Traveller | $0.55M | Affordable and effective for short trips to Denmark. - essential medical cover - fast claim processing - limited maximum ceiling |
- very high medical limit
- repatriation guarantee
- recognized claims process
- 24/7 helpline
- cancellation option
- no deductible
- good emergency cover
- direct billing
- accessible to all ages
- repatriation included
- covers hospital care
- competitive price ceiling
- medical evacuation
- liability included
- easy documentation
- essential medical cover
- fast claim processing
- limited maximum ceiling
Is it currently safe to travel in Denmark?
As of June 2025, the US Department of State maintains its Level 2 advisory for Denmark, urging travelers to exercise increased caution due to persistent concerns about terrorism. No specific regions are designated as off-limits, and overall security is stable.
- Security risks: terrorist threats cannot be ruled out, particularly in busy areas such as Copenhagen’s central train station and tourist attractions like Tivoli Gardens. Demonstrations occur regularly and can disrupt transportation.
- Health risks: Denmark offers excellent health facilities, but non-residents must pay for care. Medical evacuation is costly and is strongly recommended for incidents outside larger cities or in Greenland.
- Legal requirements: carrying your passport at all times is compulsory for identification. Currency over €10,000 must be declared upon entry, in line with EU regulations.
- Cultural norms: public protests are common, especially in central Copenhagen. Travelers should avoid gatherings to reduce risk of delays or confrontation.
Although not required, travel insurance is strongly recommended by the US Department of State, particularly to cover medical expenses and emergency repatriation, which can be extremely costly in Denmark.
Is travel insurance required to enter Denmark?
No, travel insurance is not mandatory for U.S. citizens entering Denmark for tourism up to 90 days.
Travel insurance is still recommended because, while Denmark has excellent medical facilities, unexpected incidents or medical evacuation can result in high expenses not covered by U.S. health plans. Insurance also helps in case of lost belongings or emergencies.
According to our data, 50% of travelers purchase travel insurance before going to Denmark as it is a very safe destination in Europe, though costs for private treatment or repatriation can be significant.
Why take out travel insurance for Denmark?
It is an essential financial and medical protection for anyone going to Denmark.
In Denmark, while public hospitals like Rigshospitalet in Copenhagen and Aarhus University Hospital offer high-quality care, foreigners who are not covered by a European Health Insurance Card often face full costs for treatment. Private clinics, such as Aleris-Hamlet in Copenhagen, can charge substantial fees for services ranging from emergency care to surgery.
Travel insurance covers medical fees, hospitalization, medication, ambulance transport, and emergency repatriation to the US in the event of a serious incident.
Here are some examples of healthcare costs in Denmark.
| Example of medical treatment | Cost at Aleris-Hamlet | Covered by travel insurance |
|---|---|---|
| I have to be hospitalized 48 hours after contracting an infection | 22,000 DKK (about $3,200) | 100% |
| I broke my tibia (X-ray, cast, and crutch rental) | 13,000 DKK (about $1,900) | 100% |
| I need to be repatriated | 210,000 DKK (about $30,000) | 100% |
| I have appendicitis (consultation and surgery) | 38,000 DKK (about $5,500) | 100% |
These prices are given as an indication and may vary depending on the facilities and regions.
It is therefore essential to take out appropriate travel insurance to avoid unexpected and potentially high expenses.
What travel insurance for Denmark should cover
Here is a summary table of the main coverages you should look for in a travel insurance policy for Denmark.
| Main coverages | Explanations and recommendations |
|---|---|
| 🏥 Medical expenses | Covers hospitalization, consultations, and emergency treatments for accidents or illness. We recommend a reimbursement limit of at least $100,000. |
| ✈️ Trip cancellation | Reimburses pre-paid travel expenses if you must cancel due to an unforeseen event. Opt for at least $3,000 per person. |
| 🚑 Medical evacuation | Covers transfer to an adequate facility or repatriation to the US in serious cases. Select a policy with a minimum of $250,000 coverage. |
| 🛄 Baggage loss/delay | Compensates for lost, stolen, or delayed luggage. Choose a limit of at least $1,500 per traveler. |
| 🦷 Emergency dental care | Covers urgent dental issues due to accident or sudden pain. A limit of $1,000 is generally sufficient. |
| 🧑⚖️ Personal liability | Protects against damage to property or injury caused to others. Recommended coverage is at least $100,000. |
| 🏠 Assistance services | 24/7 hotline for legal, medical, or translation support. Ensure the insurer offers comprehensive assistance and English-language support. |
| ⛷️ Sports/adventure coverage | For skiing, biking, or other activities. Check if activities are covered and consider add-ons based on your specific plans. |
We recommend a reimbursement limit of at least $100,000.
Opt for at least $3,000 per person.
Select a policy with a minimum of $250,000 coverage.
Choose a limit of at least $1,500 per traveler.
A limit of $1,000 is generally sufficient.
Recommended coverage is at least $100,000.
Ensure the insurer offers comprehensive assistance and English-language support.
Check if activities are covered and consider add-ons based on your specific plans.
Travel insurance from local providers or bank cards often comes with limited coverage, low maximums, and many exclusions. It is safer to choose a recognized insurer with comprehensive protection. Compare the top options on HelloSafe and subscribe online for instant certification.
The cost of travel insurance for Denmark
| Trip duration | Traveler’s age | Indicative price per person |
|---|---|---|
| 1 week | 25 years old | $20 |
| 2 weeks | 45 years old | $40 |
| 1 month | 35 years old | $55 |
| 1 month | 70 years old | $140 |
These prices are indicative and may vary depending on the coverage chosen and the specifics of each insurer.
Good to know
The cost of your travel insurance policy depends on several key factors: your age, the length of your trip, your destination, and any selected add-ons like cancellation coverage. It's crucial to keep these elements in mind to choose a plan that provides the right protection for your trip at the best price.
💡 It is always recommended to compare multiple offers to find the best value-for-money plan for you. You can use HelloSafe.
👉 Compare the best travel insurance for freeI compareHow to pay less for your travel insurance to Denmark
Here are some suggestions to optimize the cost of your travel insurance to Denmark while keeping good coverage:
| Criteria | Why it matters | Expert tip |
|---|---|---|
| 🧳 Trip duration | The length of your stay directly affects your premium. Shorter trips usually cost less to insure. | Select coverage for exact travel dates rather than annual or blanket plans to avoid paying extra. |
| 🎒 Level of coverage | Denmark’s excellent healthcare makes extremely high coverage less crucial for many travelers. | Evaluate limits that match your real risks, don’t over-insure for non-essential extras. |
| 🧑🤝🧑 Number of travelers | Family or group policies can secure lower rates per person compared to individual purchases. | Purchase a group policy if traveling with family or friends, as these are often more economical. |
| 👨🎓 Traveller's age | Age often raises premiums, especially for seniors traveling abroad. | Check providers like Heymondo which do not increase prices for people over 62 years old. |
| 🏄♂️ Activities covered | Some activities such as sports or adventure tours may raise costs if added. | Exclude optional adventure coverage if not planning risky activities, keeping your premium lower. |
| 💲 Deductible amount | A higher deductible value results in a lower insurance premium for most travelers. | Opt for a higher deductible only if you are comfortable covering small claims out-of-pocket. |
| 🌍 Travel destination zones | Coverage for multiple regions comes at a higher price than covering only Denmark. | Choose single-country coverage for Denmark unless visiting other destinations on the same trip. |
Your current insurance coverage in Denmark
It is completely legitimate to wonder whether your existing coverage—such as credit card insurance or your health plan—can protect you during a trip to Denmark. Unfortunately, this coverage is often limited or insufficient, especially for medical evacuation or extended hospital stays. Here is a summary table to help you review your current insurance and what it covers.
| Type of insurance | Valid in Denmark? | What it covers | Why Travel Insurance is better |
|---|---|---|---|
| Public health insurance (Medicare, Medicaid) | No, never | No coverage outside the US. No reimbursement for medical or emergency expenses abroad. | Travel insurance covers up to $1,000,000 for overseas hospital and emergency costs. |
| Private health insurance (Blue Cross Blue Shield, Aetna, Cigna) | Yes, partly | Some plans reimburse overseas care, but limits are usually $50,000 or less. No medical evacuation covered. | Travel insurance can cover over $500,000 for emergency care and includes evacuation. |
| Classic credit card (Chase Freedom, Citi Simplicity, Capital One Platinum) | Yes, partly | Emergency medical expenses usually under $2,500. No evacuation or trip cancellation coverage. | Travel insurance provides higher limits, trip cancellation, and up to $500,000 for evacuation. |
| Premium credit card (Chase Sapphire Reserve, Amex Platinum, Capital One Venture X) | Yes, partly | Medical up to $100,000, limited trip interruption and baggage delay. No daily support during hospitalization. | Travel insurance may cover up to $1,000,000, with enhanced trip and medical support. |
Example
While hiking in the Faroe Islands, a part of Denmark, a US tourist slipped, requiring a helicopter rescue and ankle surgery totaling $35,000. His Chase Sapphire card's travel insurance covered only $2,500, and his domestic health plan offered no overseas benefits, leaving him with a staggering $32,500 bill.
Expert advice
Always check the terms, exclusions, and limits of your current insurance. Essential situations, like trip interruption due to a relative’s illness or death, might be excluded. Read the conditions carefully to avoid unpleasant surprises abroad. In all cases, it is safer and more reassuring to get dedicated travel insurance tailored to your trip.
FAQ
Do I need a visa to travel to Denmark?
U.S. citizens do not need a visa for tourism or business visits of up to 90 days within a 180-day period in Denmark, as part of the Schengen Agreement. However, you must have a valid passport with at least 90 days’ validity beyond your planned date of departure. Proof of sufficient funds and a return ticket may also be required.
How do I purchase travel insurance for Denmark?
First, compare several travel insurance policies using the HelloSafe travel insurance comparison tool. Next, carefully review the details, including Denmark-specific coverage and any exclusions related to medical care or activities. Once you find the right plan, complete your purchase online. You will then receive your certificate by email, which you can keep for your records.
Are medical costs high for travelers in Denmark?
Medical care quality in Denmark is excellent but private treatment and emergency services can be expensive for non-residents. A medical consultation can cost $100 or more, and hospitalization may exceed $1,000 per day. Travel insurance helps cover these unexpected costs, which are not paid by U.S. Medicare or most private health insurance.
Does travel insurance for Denmark cover COVID-19 or other infectious diseases?
Most travel insurance plans now include coverage for medical expenses due to COVID-19 or other infectious illnesses as long as they are not excluded in the policy. It is important to confirm that your policy covers pandemic-related disruptions, quarantine costs, and possible medical evacuation before you buy.
What should I do in case of a medical emergency in Denmark?
In a life-threatening emergency, call 112 for immediate assistance. If you have a non-emergency health issue in the greater Copenhagen area, use 1813 to reach the medical helpline for guidance. Keep your insurance certificate and contact information handy as most travel assistance providers will help coordinate and pay for emergency care directly.
Can I extend my travel insurance if I stay longer in Denmark?
Most travel insurance providers allow you to extend your coverage online or by contacting customer support before your existing policy expires. It is important to arrange any extension early, as some insurers may deny coverage if your initial policy has already lapsed. Adjusted premiums will apply based on the length of your extended stay.
Do I need a visa to travel to Denmark?
U.S. citizens do not need a visa for tourism or business visits of up to 90 days within a 180-day period in Denmark, as part of the Schengen Agreement. However, you must have a valid passport with at least 90 days’ validity beyond your planned date of departure. Proof of sufficient funds and a return ticket may also be required.
How do I purchase travel insurance for Denmark?
First, compare several travel insurance policies using the HelloSafe travel insurance comparison tool. Next, carefully review the details, including Denmark-specific coverage and any exclusions related to medical care or activities. Once you find the right plan, complete your purchase online. You will then receive your certificate by email, which you can keep for your records.
Are medical costs high for travelers in Denmark?
Medical care quality in Denmark is excellent but private treatment and emergency services can be expensive for non-residents. A medical consultation can cost $100 or more, and hospitalization may exceed $1,000 per day. Travel insurance helps cover these unexpected costs, which are not paid by U.S. Medicare or most private health insurance.
Does travel insurance for Denmark cover COVID-19 or other infectious diseases?
Most travel insurance plans now include coverage for medical expenses due to COVID-19 or other infectious illnesses as long as they are not excluded in the policy. It is important to confirm that your policy covers pandemic-related disruptions, quarantine costs, and possible medical evacuation before you buy.
What should I do in case of a medical emergency in Denmark?
In a life-threatening emergency, call 112 for immediate assistance. If you have a non-emergency health issue in the greater Copenhagen area, use 1813 to reach the medical helpline for guidance. Keep your insurance certificate and contact information handy as most travel assistance providers will help coordinate and pay for emergency care directly.
Can I extend my travel insurance if I stay longer in Denmark?
Most travel insurance providers allow you to extend your coverage online or by contacting customer support before your existing policy expires. It is important to arrange any extension early, as some insurers may deny coverage if your initial policy has already lapsed. Adjusted premiums will apply based on the length of your extended stay.
