- The best travel insurance plans for Denmark
- Is it currently safe to travel to Denmark?
- Is travel insurance required by law to enter Denmark?
- Why take out 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
- Your current insurance coverage in Denmark
- FAQ
- On the same topic
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 Australians but is vital as you are liable for all medical costs.
3. Healthcare cost: Healthcare is expensive; a hospital stay can cost over AUD 1,000 per night without insurance.
4. Price: A one-week travel insurance policy for Denmark typically costs between AUD 40 and AUD 80.
5. Good to know: Australia has no reciprocal healthcare agreement with Denmark, so you must pay for all treatment.
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 Australia 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 | AUD 1.6M | A suitable and flexible choice for Denmark. - high medical cap - covers repatriation - easy paperwork |
| Cap Assistance 24/24 | AUD 1.6M | A strong option for Danish stays. - 24/7 medical helpline - covers cancellations - no excess on claims |
| Tourist Card | AUD 800k | For simple tourism in Denmark, this suits core needs. - solid medical cover - emergency services - clear limits |
| Travel Pass Monde | AUD 1.1M | Reliable for long or multiple trips within Denmark. - covers hospitals - multi-country scope - medical transport |
| Globe Partner | AUD 480k | Effective for extended stays or youth travel. - covers medical fees - repatriation included - personal liability |
| Globe Traveller | AUD 800k | For basic, short-term travel to Denmark. - essential medical cover - efficient claim process - suitable for low-risk trips |
- high medical cap
- covers repatriation
- easy paperwork
- 24/7 medical helpline
- covers cancellations
- no excess on claims
- solid medical cover
- emergency services
- clear limits
- covers hospitals
- multi-country scope
- medical transport
- covers medical fees
- repatriation included
- personal liability
- essential medical cover
- efficient claim process
- suitable for low-risk trips
Is it currently safe to travel to Denmark?
As of June 2025, the Australian Department of Foreign Affairs and Trade assesses Denmark as presenting a normal safety risk for travellers from Australia, though the terror threat level is set to ‘significant’ by Danish authorities.
Here are their four main recommendations.
- Security and terrorism: the terror threat is officially assessed as significant, with possible attacks targeting public places, tourist sites, and transport hubs. For example, in recent years police have increased checks at Copenhagen’s Tivoli Gardens and major railway stations.
- Health risks: there are no specific vaccination requirements, but the cost of medical care is high and Australia does not have a reciprocal health agreement. If you need private hospital treatment in Copenhagen, fees are similar to or higher than Australia.
- Personal property and scams: pickpocketing frequently occurs in busy urban areas, especially on public transport and around Nyhavn waterfront. Beware also of occasional scams involving fake police or unofficial taxis.
- Entry regulations: you must hold a valid Australian passport with at least three months' validity beyond departure from the Schengen area. From late 2025, electronic entry registration (EES) will also be required for Australians.
Although not required, travel insurance is strongly recommended by the Australian Department of Foreign Affairs and Trade, 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 Australian citizens entering Denmark for tourism or business stays of up to 90 days.
Travel insurance is strongly recommended because there is no reciprocal healthcare agreement between Australia and Denmark. Medical costs and hospital expenses can be significant, and treatment may require upfront payment or proof of insurance.
According to our data, 50% of travellers purchase travel insurance before going to Denmark. This is mainly due to the country’s high standard of healthcare and the risk of expensive medical bills in case of illness or accident.
Why take out travel insurance for Denmark?
It is an essential financial and medical protection for anyone going to Denmark.
In Denmark, healthcare is of a high standard, but foreign visitors must pay the full cost of treatment in both public and private hospitals. At Rigshospitalet in Copenhagen or Aarhus Universitetshospital, a single hospital admission or surgery can result in invoices of several thousand Danish kroner, with upfront payment usually required.
Travel insurance covers medical fees, hospitalisation, medication, ambulance transport and emergency repatriation to Australia in the event of a serious incident.
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 | 19,000 DKK (approx. AUD 4,200) | up to 1,600,000 AUD |
| I broke my tibia (X-ray, cast, and crutch rental) | 12,000 DKK (approx. AUD 2,650) | up to 1,600,000 AUD |
| I need to be repatriated | 170,000 DKK (approx. AUD 38,000) | up to 1,600,000 AUD |
| I have appendicitis (consultation and surgery) | 28,000 DKK (approx. AUD 6,100) | up to 1,600,000 AUD |
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?
| Main coverages | Explanations and recommendations |
|---|---|
| 🏥 Medical expenses | Pays for medical treatment in Denmark, including doctor visits, hospital stays and medication if you fall ill or get injured. We recommend a limit of at least 1,000,000 AUD. |
| 🚑 Medical evacuation | Covers emergency transport to the nearest capable hospital or return to Australia when required. Recommended minimum: 500,000 AUD. |
| ✈️ Repatriation | Covers the cost of returning you or your remains to Australia in the event of a serious incident. Recommended minimum: 250,000 AUD. |
| 💼 Baggage and personal items | Protection for loss, theft or damage to baggage, electronics and valuables. Recommended minimum: 10,000 AUD. |
| 💳 Cancellation/curtailment | Reimburses non-refundable travel costs if you have to cancel or cut short your trip due to unforeseen events. Recommended minimum: 10,000 AUD. |
| 🏠 Personal liability | Protects you if you accidentally cause damage or injury to others while in Denmark. Recommended minimum: 2,000,000 AUD. |
| 🌪️ Natural disaster cover | Covers expenses if your trip is disrupted by events such as storms or flooding. Recommended minimum: 10,000 AUD. |
| 🦷 Emergency dental | Pays for urgent dental care needed during your trip. Recommended minimum: 1,000 AUD. |
We recommend a limit of at least 1,000,000 AUD.
Recommended minimum: 500,000 AUD.
Recommended minimum: 250,000 AUD.
Recommended minimum: 10,000 AUD.
Recommended minimum: 10,000 AUD.
Recommended minimum: 2,000,000 AUD.
Recommended minimum: 10,000 AUD.
Recommended minimum: 1,000 AUD.
Travel insurance from local providers or bank cards often only covers basic incidents, has low limits and excludes many situations. For your peace of mind, it is safer to select a policy from a reputable insurer with full coverage. Compare the top choices 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 | AUD 40 – AUD 55 |
| 2 weeks | 45 years old | AUD 65 – AUD 90 |
| 1 month | 35 years old | AUD 115 – AUD 150 |
| 1 month | 70 years old | AUD 260 – AUD 350 |
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 will vary. Key factors include your age, the length of your trip, your destination(s), the level of cover you choose, and any pre-existing medical conditions. Keeping these in mind is crucial for finding the right cover for your trip to Denmark without overpaying.
💡 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 longer your stay, the higher the insurance cost. Be precise about your travel dates to avoid unnecessary days of coverage. | Buy only the exact coverage dates you need. Flexible providers sometimes let you shorten or extend easily. |
| 👤 Traveller's age | Age greatly affects premium, especially for older travelers. This is relevant for Australia as rates can rise from age 60. | Compare age bands between insurers. The insurer Heymondo does not increase its prices for people over 62. |
| 🧳 Level of coverage | High limits for medical and baggage cover increase cost. Denmark’s standard of care is good, but emergencies can be expensive without proper cover. | Adjust benefit limits to your needs. Choose practical but not excessively high limits for Denmark travel. |
| 🚴♂️ Planned activities | Sports or adventure activities carry extra risk and may need optional cover. In Denmark, standard travel rarely involves extreme activities. | Avoid unnecessary add-ons. Only pay for extra activity cover if you will actually participate in those sports. |
| 👨👩👧👦 Number of travellers | Family or group policies often mean cheaper rates per person. Most activities or risks are similar for groups visiting Denmark together. | Choose a group or family plan. They are usually less costly than several individual policies. |
| 🚑 Excess/deductible | Choosing a higher excess (the upfront cost you pay if you claim) will reduce the premium, but you must pay more if you make a claim during your trip. | Select a higher excess to lower premium. Ensure the amount is still affordable in case of a claim. |
| 💻 Purchase timing | Buying well in advance sometimes provides discounts. Danish regulations do not require Australians to show proof of insurance for entry unless on visa. | Book early for the best deals. Some insurers offer early-bird or online discounts for prompt purchase. |
Your current insurance coverage in Denmark
It’s completely legitimate to wonder whether your existing coverage, such as public or private health insurance or your credit card insurance, is enough for a trip to Denmark. Unfortunately, those options are often limited or insufficient abroad for major travel risks. 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) | Never | Usually nothing outside Australia. No cover for overseas medical care, repatriation, emergencies, baggage, or theft. | Travel insurance covers up to AUD 5,000,000+ for medical emergencies, repatriation and 24/7 assistance. |
| Private health insurance (Bupa, Medibank, NIB) | Limited coverage | Only selected extras for emergencies and most plans exclude outpatient care. Rarely any repatriation or travel disruption benefits. | Travel insurance covers medical, cancellation, personal liability, and baggage—most with up to AUD 10,000+ limits. |
| Classic credit card (Commonwealth Gold, ANZ Low Rate) | Limited coverage | Basic accident and emergency medical, some baggage and delay, typically capped at AUD 2,500. Prepayment conditions and exclusions often strict. | Travel insurance offers much higher limits, up to AUD 15,000+ for baggage and higher for medical and disruption. |
| Premium credit card (Westpac Altitude Black, NAB Signature) | Limited coverage | Often higher limits, some medical (up to AUD 20,000) with strict terms, may require purchases with the card, excludes some illness or pre-existing. | Travel insurance can cover pre-existing conditions, travel liability, legal fees and full repatriation, up to AUD 5,000,000+. |
Example
While cycling in Copenhagen, Chloe had a bad fall, breaking her femur. The surgery and hospital stay cost AU$45,000. Her CommBank card's complimentary insurance had a low limit, and her Australian health cover offered nothing. She was left with a massive bill, a harsh reminder that travel insurance is essential.
Expert advice
Your credit card or health fund often won't cover trip interruptions for a relative's illness or death. Always check the policy's fine print to avoid nasty surprises overseas. In all cases, it's safer and more reassuring to get dedicated travel insurance tailored to your specific journey.
FAQ
Do I need a visa to travel to Denmark?
Australian citizens do not need a visa for short stays in Denmark. You can visit for up to 90 days within any 180-day period, provided you have a valid Australian passport and meet basic entry requirements regarding funds and documentation.
How do I purchase travel insurance for Denmark?
To purchase travel insurance for Denmark, start by comparing policies using the HelloSafe travel insurance comparison tool. Carefully check what each policy covers and exclude, especially with regard to Denmark's requirements. Buy your chosen policy online and you will then receive your insurance certificate by email.
Are medical costs high for Australians in Denmark?
Yes, medical costs in Denmark are similar to what you would pay at private medical facilities in Australia. There is no healthcare agreement between Australia and Denmark, meaning Australian travellers must pay the full costs of treatment if uninsured. Travel insurance can cover these fees, which may amount to thousands of Australian dollars.
What documents do I need to present upon arrival in Denmark?
You should carry a valid Australian passport that remains valid for at least three months beyond your intended departure from the Schengen area. You may also be asked to provide proof of accommodation, sufficient funds (about AUD 75 to 110 per day), and your return or onward travel ticket.
If I travel to multiple European countries, is one policy enough?
Yes, one travel insurance policy can cover your whole trip if your itinerary includes several Schengen countries, including Denmark. Always double-check that your chosen policy covers all planned countries, trip duration, and activities, so you are fully protected throughout your time in Europe.
Can I extend my insurance if I decide to stay longer in Denmark?
Most insurers allow you to extend your travel insurance policy, but you should do so before your current cover expires. Contact your insurer’s customer service, check for any restrictions, and expect to pay a pro-rata fee for the extended period. Always act early to avoid gaps in coverage.
Do I need a visa to travel to Denmark?
Australian citizens do not need a visa for short stays in Denmark. You can visit for up to 90 days within any 180-day period, provided you have a valid Australian passport and meet basic entry requirements regarding funds and documentation.
How do I purchase travel insurance for Denmark?
To purchase travel insurance for Denmark, start by comparing policies using the HelloSafe travel insurance comparison tool. Carefully check what each policy covers and exclude, especially with regard to Denmark's requirements. Buy your chosen policy online and you will then receive your insurance certificate by email.
Are medical costs high for Australians in Denmark?
Yes, medical costs in Denmark are similar to what you would pay at private medical facilities in Australia. There is no healthcare agreement between Australia and Denmark, meaning Australian travellers must pay the full costs of treatment if uninsured. Travel insurance can cover these fees, which may amount to thousands of Australian dollars.
What documents do I need to present upon arrival in Denmark?
You should carry a valid Australian passport that remains valid for at least three months beyond your intended departure from the Schengen area. You may also be asked to provide proof of accommodation, sufficient funds (about AUD 75 to 110 per day), and your return or onward travel ticket.
If I travel to multiple European countries, is one policy enough?
Yes, one travel insurance policy can cover your whole trip if your itinerary includes several Schengen countries, including Denmark. Always double-check that your chosen policy covers all planned countries, trip duration, and activities, so you are fully protected throughout your time in Europe.
Can I extend my insurance if I decide to stay longer in Denmark?
Most insurers allow you to extend your travel insurance policy, but you should do so before your current cover expires. Contact your insurer’s customer service, check for any restrictions, and expect to pay a pro-rata fee for the extended period. Always act early to avoid gaps in coverage.
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