Business travel insurance | Holidays and leisure

Travel the world
We cover worldwide travel up to 180 days.
Covers delayed travel
Covers if the employee is unintentionally late for a plane, bus or train.
Covers substitutes
Covers substitute who can take over the work or task.

Safety 24/7

With If, you and your employees are in safe hands and we are ready to help you out 24/7.

A business travel insurance is important for your business when travelling abroad. If a trip is work-related, a business travel insurance is required.

For example, if one of your employees has a short business meeting on a holiday, it is important to note that their private travel insurance does not cover. This as employees are not covered by the public health insurance card (health card) when at work.

Business travel insurance includes	Super	Standard
Covers reasonable and necessary expenses for medical treatment and hospitalisation as a result acute illness during your trip.	Included	Included
Covers acute dental treatment with up to 10,000 DKK. The dental treatment must be initiated during the trip, but it may be completed after the trip has ended.	Included	Included
Covers reasonable and necessary expenses for transportation to your residence or for recovery of your planned travel after treatment has ended. Additionally, the insurance covers transport to the nearest suitable health care provider if suitable treatment is not offered at your location.	Included	Included
Covers expenses for food and lodging for up to 3 of your kin in case of you being hospitalised, being transported home or dying during your trip.	Included	Included
Covers if you are subject to medical malpractice of an authorised medical doctor that would have afforded you right to compensation in Denmark according to the law of change, complaint and access to compensation in healthcare. The maximum pay-out amounts to 1,000,000 DKK.	Included	Included
Covers reasonable and necessary expenses for transport related to a getting a substitute to replace the person who has been rendered unable to perform the job due to prolonged illness, injury or death.	Included	Included
Covers crisis counseling necessary due to acute psychological trauma resulting from robbery, accident, threat, burglary, etc.	Included	Included
Covers damages if you, in a personal capacity, becomes legally liable for damage to people or things according to the rules of out-of-contract compensation in place in the country where the damage was done. Damage done to people is covered up to 10,000,000 DKK while damage done to objects is covered up to 5,000,000 DKK.	Included	Included
Covers expenses for the excess in relation to collision damage on a hired car during travel outside your country of residence. Coverage is provided up to 10,000 DKK per collision.	Included	Included
Covers reasonable and necessary legal and travel costs related to trials and arbitrations. In case of collateral an interest-free loan is provided to ensure release from the authorities. Coverage is provided up to 200,000 DKK.	Included	Included
Covers expenses to evacuation, food, and lodging in case of direct and immediate danger related to war, war-like conditions, civil or political unrest, terrorist attacks, natural catastrophes or deadly epidemics. If the same circumstances cause you to be detained, expenses related to lodging and domestic travel is covered.	Included	Included
Covers economic compensation for lost hours at work, health examinations as well as compensation for pain and suffering if you are assaulted by an unfamiliar person. Covers up to 500,000 DKK; compensation is calculated based on Danish rules for out-of-contract compensation.	Included	Included
Covers reasonable and necessary additional expenses up to 100,000 DKK for your kin in case you are kidnapped. This includes crisis counselling, travel expenses to gather the family near the kidnapped person and compensation for lost hours of work.	Included	Included
Covers expenses to search and rescue attempts for up to 14 days and up to 250,000 DKK.	Included	Included
Covers expenses to food, hotel lodging, toiletry, clothing, newspapers and magazines when your plane is delayed for more than 4 hours. Coverage extends to 1,000 DKK/day for up to 5 days.	Included	Not included
Covers recovery of the original travel route if you have initiated your journey and you are undeservedly delayed for your mode of transportation. Hotel lodging is covered up to 1,500 DKK/day.	Included	Not included
Covers expenses for maximum economy class for summons home if you are travelling due to sudden and severe illness, injury or death of a close relative, or if your home has burned, flooded or been burgled.	Included	Not included
Covers if you cannot proceed with the planned trip due to: the death of a close relative sudden illness or injury burglary in your home/business/office fraudulent acts in your own company a non-contractual termination of employment in your own company a witness, jury or lay judge summons an inability to receive the necessary vaccinations a natural disaster or a similar occurrence having struck the destination of your travel.	Included	Not included
Covers expenses for vitally necessary medication as well as items of clothing and toiletry if your baggage is delayed for more than 3 hours compared to your arrival at your destination. Insurance premiums may be elected individually.	Included	Not included
Covers theft, displacement or damage of your personal belongings as well as those of your employer. An insurance premium may be elected individually.	Included	Not included

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Optional cover for business travel insurance

Choose between these covers:

Accident

Covers death and permanent injuries as a result of accident on the trip. The compensation depends on the size of the permanent injury and the sum insured.

Illness

Covers death and permanent injury as a result of sudden illness on the trip. The compensation depends on the size of the permanent injury and the sum insured.