What should I do if I have multiple trips?

• A medical pre-assessment is valid per trip. Therefore, it is necessary to apply for each trip.

What should I do if I don't have my medical records?

• Your medical records should be obtained either via sundhed.dk or directly from your general practitioner/private clinic/treatment center. The notes should include dates, your full name, and your personal identification number.

Can I wait to purchase travel insurance until I know if I am covered?

• No - Unfortunately, we cannot perform a medical pre-assessment without valid insurance.

Can I apply for a medical pre-assessment for someone other than myself?

• You can only apply for a child under 15 years of age or a person for whom you are the guardian.

Do I ALWAYS need a medical pre-assessment?

• See under "We recommend" in the General Guidelines.

Can I request an assessment if I don't know when I am traveling?

• It is necessary to provide travel dates, as these are relevant for the pre-assessment. Therefore, you can only apply for a pre-assessment when you know your travel dates.

Is it okay to travel if my doctor approves it?

• There may be a difference between how your doctor assesses your health in relation to your trip and how you are covered by your travel insurance. Therefore, we recommend a medical pre-assessment before you travel.

When can I get a medical pre-assessment?

• You can get a pre-assessment when there are less than two months until you are due to travel. All questions regarding the coverage of cancellation insurance due to chronic or existing illness should be directed directly to your travel insurance company.

Why get a medical pre-assessment before you travel?

• Travel insurance normally only covers acute illness and injury. A medical pre-assessment gives you answers on whether you can get coverage for your expenses for treatment of your chronic or existing illness during the trip. This is a service and security for you if your condition worsens during the trip.

How long is my medical pre-assessment valid?

• Your medical pre-assessment is only valid for the specific trip. If you are going on multiple trips within the next two months, we can make a combined assessment.

If your condition changes before departure?

• If you have received a medical pre-assessment and there are changes before the departure date, such as requiring medical treatment or changes in medication, you should contact us again for a re-evaluation.

Can/may I travel despite reservations in the coverage?

• You decide whether or not to travel. The medical pre-assessment merely gives you the opportunity to know your insurance coverage before you travel. As a starting point, you will still be covered for acute illness and/or injury that is not related to the reservation. If you are traveling within the EU/EEA countries, you can bring your blue EU health insurance card (EHIC), which is available at Citizen Service or ordered via www.borger.dk. The card ensures you treatment on equal terms with the citizens of the country you are visiting. Contact Citizen Service for more information.

When do I need a medical pre-assessment?

• If you have a chronic or existing illness/injury, and within the last 2 months have been in contact with a doctor or other type of healthcare provider beyond a scheduled check-up
• If you, within the last 2 months, have had changes in your medication
• If you, within the last 2 months, have had changes in your treatment plans or developed new symptoms
• If you are awaiting tests or treatments, including surgeries or test results

(Note: For some insurance companies, this applies within the last 6 months before departure. If in doubt, you should contact your insurance company).

The decision on the medical pre-assessment can be as follows:

Full coverage You are covered by the travel insurance for expenses for treatment of acute illness and injury, and for expenses for treatment of your chronic or existing illness

or

A reservation in coverage You are only covered by the travel insurance for expenses for treatment of acute illness and injury during the trip. Expenses related to the reservation will not be covered by the travel insurance.