The Best Travel Insurance Plans for Denmark in 2025
- The best travel insurance plans for Denmark
- Is it currently safe to travel to Denmark?
- Is travel insurance required by law to enter Denmark?
- Travel insurance for Denmark
- What should travel insurance for Denmark cover?
- The cost of travel insurance for Denmark
- How to pay less for your travel insurance to Denmark
- Does my current insurance provide 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 for Canadians, but it is highly recommended for medical costs.
3. Healthcare cost: A hospital stay in Denmark can cost over $1,000 CAD per night for foreign visitors.
4. Price: A one-week travel insurance policy for Denmark typically costs between $30 and $60 CAD.
5. Good to know: Canada has a bilateral agreement with Denmark allowing for specific extended stays beyond Schengen rules.
Why trust HelloSafe?
HelloSafe is an international specialist in travel insurance comparison, advising over one million travelers every month. After analyzing 41 travel insurance policies available in Canada, 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 | $1.5M CAD | Recommended for comprehensive coverage in Denmark. - very high medical ceiling - repatriation included - suitable for frequent travellers |
| Cap Assistance 24/24 | $1.5M CAD | Good for medical emergencies and support. - rapid emergency helpline - cancellation cover - strong service network |
| Tourist Card | $750K CAD | Practical for short stays and city trips. - solid medical cover - attractive pricing - essential protections |
| Travel Pass Monde | $1.05M CAD | Flexible for explorers and long stays. - robust medical limits - hospital costs - multi-destination validity |
| Globe Partner | $450K CAD | Ideal for simple needs and value. - medical care abroad - fast claims - civil liability protection |
| Globe Traveller | $750K CAD | Good for essential medical expenses. - hospital costs - repatriation - competitive pricing |
- very high medical ceiling
- repatriation included
- suitable for frequent travellers
- rapid emergency helpline
- cancellation cover
- strong service network
- solid medical cover
- attractive pricing
- essential protections
- robust medical limits
- hospital costs
- multi-destination validity
- medical care abroad
- fast claims
- civil liability protection
- hospital costs
- repatriation
- competitive pricing
Is it currently safe to travel to Denmark?
As of June 2025, Global Affairs Canada advises travellers to exercise a high degree of caution when visiting Denmark due to the significant terrorism threat. There are no general restrictions on travel, but certain safety measures are recommended based on recent security updates.
Here are their four main recommendations.
- Security risks: petty crime and gang-related violence can occur in urban areas, particularly in Copenhagen’s Christiania, Nørrebro, and Brønshøj-Husum districts. Demonstrations may disrupt transport and become violent, so avoid affected areas.
- Health risks: a measles outbreak was declared in May 2025. COVID-19 is no longer a critical health risk, but all travellers should ensure their vaccinations are up to date. Quality care is available, but follow-up medical costs are not free.
- Legal constraints: it is forbidden to take photographs in the Christiania area of Copenhagen. Local laws are strictly enforced, so violations can result in fines or arrest.
- Environmental considerations: ticks carrying encephalitis are a risk from April to November, especially for hikers and campers in forested and rural regions.
Although not required, travel insurance is strongly recommended by Global Affairs Canada, particularly to cover medical expenses and emergency repatriation, which can be extremely costly in Denmark.
Is travel insurance required by law to enter Denmark?
No, travel insurance is not mandatory for Canadian citizens traveling to Denmark.
Denmark does not require proof of insurance for short stays from Canada because Canadians are visa-exempt for the Schengen area. However, travel insurance is strongly recommended, as only emergency medical treatment is free and follow-up care, hospitalization, and repatriation must be paid for by the traveler.
According to our data, 50% of travelers purchase travel insurance before going to Denmark. This is mainly due to the potential costs of unexpected medical care and the unpredictable nature of travel.
Travel insurance for Denmark
It is an essential financial and medical protection for anyone going to Denmark.
In Denmark, while emergency care may be free for foreigners, Canadians must pay out-of-pocket for all other medical services, such as follow-up treatment or hospitalization at Rigshospitalet in Copenhagen or Aarhus University Hospital. Costs can be significant, especially in private clinics or for specialized care in urban centers.
Travel insurance covers medical expenses, hospitalization costs, medications, ambulance transportation, and repatriation to Canada in the event of a serious illness or accident.
Here are some examples of healthcare costs in Denmark.
| Example of medical treatment | Cost at Rigshospitalet | Covered by travel insurance |
|---|---|---|
| I have to be hospitalized 48 hours after contracting an infection | 18,000 DKK (approx. $3,550 CAD) | up to 100% with comprehensive coverage |
| I broke my tibia (X-ray, cast, and crutch rental) | 9,500 DKK (approx. $1,875 CAD) | up to 100% with comprehensive coverage |
| I need to be repatriated | 70,000 DKK (approx. $13,800 CAD) | up to 90–100% depending on policy |
| I have appendicitis (consultation and surgery) | 38,000 DKK (approx. $7,500 CAD) | up to 100% with comprehensive coverage |
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 should travel insurance for Denmark 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 |
|---|---|
| 🏥 Emergency medical expenses | Covers hospital stays, emergency treatment, consultations, and medication. For Denmark, we recommend at least $100,000 CAD in coverage. |
| 🚑 Medical evacuation & repatriation | Pays for transportation back to Canada if a serious medical issue occurs. Aim for a limit of $200,000 CAD or more due to distance. |
| 🧳 Baggage loss/delay | Covers loss or delay of personal belongings during transit. A reasonable minimum is $2,500 CAD depending on the value of your luggage. |
| 💳 Trip cancellation/interruption | Reimburses unused trip costs if you must cancel or cut short for specified reasons. Look for at least $5,000 CAD in coverage. |
| 👨⚖️ Civil liability | Protects you if you accidentally injure someone or damage property. A limit of $1,000,000 CAD is a prudent minimum. |
| 💉 Accidental injury benefit | Provides compensation for accidental death or permanent disability. A minimum of $75,000 CAD is generally advised. |
| ⛑️ 24/7 assistance services | Offers round-the-clock emergency and language support, important in unfamiliar environments. Included in most comprehensive policies. |
| 🦠 Infectious diseases cover | Benefits for COVID-19 or other outbreaks. Ensure dedicated coverage for epidemic-related medical expenses, with the general medical limit. |
For Denmark, we recommend at least $100,000 CAD in coverage.
Aim for a limit of $200,000 CAD or more due to distance.
A reasonable minimum is $2,500 CAD depending on the value of your luggage.
Look for at least $5,000 CAD in coverage.
A limit of $1,000,000 CAD is a prudent minimum.
A minimum of $75,000 CAD is generally advised.
Included in most comprehensive policies.
Ensure dedicated coverage for epidemic-related medical expenses, with the general medical limit.
Travel insurance from local banks or card providers generally has low coverage limits and many exclusions. It is safer to choose a trusted insurer with comprehensive benefits, compare leading options on HelloSafe, and subscribe online to get instant certification.
The cost of travel insurance for Denmark
| Trip duration | Traveler’s age | Indicative price per person |
|---|---|---|
| 1 week | 25 years old | $35–$55 CAD |
| 2 weeks | 45 years old | $60–$90 CAD |
| 1 month | 35 years old | $105–$150 CAD |
| 1 month | 70 years old | $180–$270 CAD |
These prices are indicative and may vary depending on the coverage chosen and the specifics of each insurer.
Good to know
The price of travel insurance depends on several factors: the traveller’s age, trip duration, destination, coverage limits, and options such as trip cancellation. Riskier countries or longer stays usually cost more. It’s important to keep these in mind to choose the right policy at the right price and avoid unpleasant surprises during your trip.
💡 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 |
|---|---|---|
| 🧑 Traveller's age | Age significantly impacts the premium, especially for seniors traveling to Denmark. | Compare across insurers as prices can vary widely. Heymondo does not increase its prices for people over 62. |
| 📅 Trip duration | Longer trips mean higher risk and therefore a higher premium in Denmark. | Choose only the days you need, as even one extra day may increase your overall cost. |
| 💼 Level of coverage | Better coverage (medical, baggage, delays) results in higher premiums, especially in Europe. | Opt for essential protection and select only necessary extras based on your actual activities and risks. |
| 👨👩👧👦 Number of travelers | Family or group plans may offer discounts for traveling to Denmark together. | Compare family/group rates, as bundling may be significantly cheaper per person than individual plans. |
| 🧳 Type of activities | High-risk sports or adventure activities in Denmark increase costs due to higher likelihood. | Remove sports/adventure cover if you do not need it to keep your premium low. |
| ⏳ Timing of purchase | Rates can fluctuate, especially during peak European travel seasons for Denmark. | Book early to access better rates and discounts before travel demand rises. |
| 🌍 Destination | Some providers charge different rates for European countries, including Denmark. | Choose a “Europe-only” option rather than worldwide if you are only traveling to Denmark and nearby countries. |
Does my current insurance provide coverage in Denmark?
It is completely legitimate to wonder if your existing coverage, such as your public health insurance, private insurance, or credit card benefits, is enough for travel to Denmark. Unfortunately, this coverage is often limited or insufficient for travel abroad. 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 (provincial health plan) | Limited coverage | Partial reimbursement for emergency medical care, typically up to $1,000–$2,000 CAD, excludes repatriation, follow-up, or ambulance. | Travel insurance covers up to $1 million+ CAD, including private hospital bills, repatriation, and daily hospital allowance. |
| Private health insurance | Limited coverage | May cover some overseas healthcare and Rx, often with an annual limit of $50,000–$100,000 CAD, repatriation rarely included. | Travel insurance can provide $500,000–$5 million CAD for medical, plus trip delay, lost luggage, and support abroad. |
| Classic credit card (Visa Classic, Mastercard Standard, Scotiabank Value) | Limited coverage | Emergency medical usually capped at $10,000–$25,000 CAD, excludes most trip cancellation, luggage, or lengthy stays abroad. | Travel insurance generally includes $1 million+ CAD in medical fees, hospitalisation, cancellation, and baggage coverage. |
| Premium credit card (Visa Infinite, Platinum Amex, RBC Avion) | Limited coverage | Medical emergencies up to $2 million CAD, strict age and trip duration limits, less coverage for trip interruption or adventure risks. | Travel insurance gives higher maximums, less restrictions by age or duration, and broader coverage for winter or outdoor risks. |
Example
While hiking, Mark contracted tick-borne encephalitis, requiring extensive follow-up care costing $25,000. Denmark’s free emergency services didn't cover this. His RBC Visa’s basic travel insurance had a $5,000 limit, and his provincial plan didn't apply, leaving him to pay the remaining $20,000 for his non-emergency, but necessary, treatment.
Expert advice
Many credit cards and provincial health plans exclude key coverages like trip interruption for a family emergency. Carefully review your policy's fine print to avoid costly surprises abroad. In all cases, subscribing to dedicated travel insurance tailored to your trip is the safest and most reassuring option.
FAQ
Do I need a visa to travel to Denmark?
Canadian citizens do not need a visa to travel to Denmark for short stays of up to 90 days within any 180-day period. You will need a passport that is valid for at least three months beyond your planned departure from the Schengen area. Make sure to carry proof of sufficient funds and your return ticket.
How do I purchase travel insurance for Denmark?
First, compare offers using the HelloSafe travel insurance comparison tool for Denmark. Next, check what is covered and any exclusions specific to Denmark, such as medical care or lost luggage. Then, buy your policy online. After purchase, you will receive your insurance certificate that you can print or store on your phone.
What health requirements should I consider before traveling to Denmark?
Before traveling, ensure all routine vaccinations are up to date, especially for measles. While Denmark has excellent medical facilities, a measles outbreak has been reported, so check your immunization history and consult your physician if in doubt. Carry emergency contacts and register with the Canadian embassy in Copenhagen.
Does travel insurance cover adventure or outdoor activities in Denmark?
Many standard travel insurance policies do not automatically cover higher-risk activities, such as hiking, cycling, or other adventure sports often enjoyed in Denmark. Check if your intended activities are included and consider an upgrade or additional coverage for adventure sports or trekking if needed.
What should I do if I need medical attention in Denmark?
If you need medical care in Denmark, contact your travel insurer’s emergency assistance number right away. They can guide you to approved medical facilities or hospitals, help with translation, and arrange direct payment when possible. Always keep your insurance details and a copy of your certificate with you during your trip.
Do I need a visa to travel to Denmark?
Canadian citizens do not need a visa to travel to Denmark for short stays of up to 90 days within any 180-day period. You will need a passport that is valid for at least three months beyond your planned departure from the Schengen area. Make sure to carry proof of sufficient funds and your return ticket.
How do I purchase travel insurance for Denmark?
First, compare offers using the HelloSafe travel insurance comparison tool for Denmark. Next, check what is covered and any exclusions specific to Denmark, such as medical care or lost luggage. Then, buy your policy online. After purchase, you will receive your insurance certificate that you can print or store on your phone.
What health requirements should I consider before traveling to Denmark?
Before traveling, ensure all routine vaccinations are up to date, especially for measles. While Denmark has excellent medical facilities, a measles outbreak has been reported, so check your immunization history and consult your physician if in doubt. Carry emergency contacts and register with the Canadian embassy in Copenhagen.
Does travel insurance cover adventure or outdoor activities in Denmark?
Many standard travel insurance policies do not automatically cover higher-risk activities, such as hiking, cycling, or other adventure sports often enjoyed in Denmark. Check if your intended activities are included and consider an upgrade or additional coverage for adventure sports or trekking if needed.
What should I do if I need medical attention in Denmark?
If you need medical care in Denmark, contact your travel insurer’s emergency assistance number right away. They can guide you to approved medical facilities or hospitals, help with translation, and arrange direct payment when possible. Always keep your insurance details and a copy of your certificate with you during your trip.
