"I recently buy travel insurance from LUMA when I travel overseas because it's easy to buy and pay on website. It took only 5 minutes! And the price is reasonable so will definitely buy it again!"
Travel Insurance for Denmark
,Fully Covered with LUMA
LUMA travel insurance keeps you covered through city cycling, coastal day trips, and unpredictable Nordic weather.
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Trusted by 100,000+ travelers
A decade of travel cover
Backed by medical guidance
Instant online purchase
On-the-ground teams and global partners ensure care is always nearby.
24/7 English-speaking assistance with coverage curated for Denmark
Practical support backed by decade-long experience and deep-rooted hospital networks.
Direct access to our in-house medical team (Medipro) for real medical advice.
Denmark calling? We go above and beyond to make sure your trip stays golden.
01 Hit by a car or tram while cycling in Copenhagen?
Copenhagen is one of Europe's great cycling cities, and most visitors rent a bike within hours of arriving. But the mix of unfamiliar bike lanes, tram tracks, and city traffic catches tourists off guard more than you'd expect. Cycling accidents are among the most common reasons tourists need hospital treatment in Denmark. LUMA covers the medical costs so an unlucky moment on two wheels doesn't turn into an expensive one.
02 Bag or belongings stolen in the city?
Organised teams work in Copenhagen's busiest tourist areas and transit hubs using distraction techniques while a partner lifts your phone, wallet, or camera. It happens fast and usually when you least expect it. Losing your bag mid-trip doesn't just cost money; it can also derail the rest of your journey.LUMA can reimburse the cost of essential replacements, helping you sort out the immediate disruption and continue your trip with ease.
03 Suddenly unwell mid-trip?
Denmark's hospitals are excellent and English-speaking doctors are easy to find, but tourists must pay for all medical care, even if they need to stay in hospital. A sudden fever or infection mid-itinerary means a clinic visit you pay for upfront. Medipro can help you decide whether your symptoms need a doctor, and your LUMA policy covers the treatment costs if you do.
04 Luggage missing after landing in Denmark?
Copenhagen Airport handles millions of connections every year, and a bag that misses a transfer or gets misrouted is a common frustration, especially if you're heading straight onward into a packed itinerary. Being without your essentials for even a day or two adds up fast in one of Europe's most expensive cities. LUMA helps pay for the necessities you need while you wait, so you can continue your trip without putting everything on hold.
05 Denmark trip cancelled before you fly?
Denmark is one of the most expensive destinations in Europe, and most of the trip gets booked and paid for well ahead of departure. If a serious illness, an injury, or a family emergency stops you from travelling, recovering that money on your own is rarely simple. LUMA plans with trip cancellation cover reimburse prepaid expenses so you're not left absorbing the full loss on top of everything else.
Your Denmark Travel Insurance Questions, Answered
Generally yes, but it takes adjustment. Copenhagen has one of the world's most developed cycling networks, and bike lanes move fast with traffic that has right of way. Cycling accidents account for 35% of tourist injuries requiring hospital treatment in Denmark, according to the Danish Patient Safety Authority, and tram tracks crossing bike lanes are a particular hazard. Stick to marked lanes, look both ways at every crossing, and wear a helmet. If you're hurt in a cycling accident, LUMA covers the eligible medical expenses under your plan.
Yes, in specific areas. Pickpocket teams are active at major tourist attractions and on public transport, particularly around busy transit hubs and popular waterfront areas. They use distraction techniques while a partner works behind you. Keep valuables in a front zip pocket, stay alert on public transport, and don't leave bags unattended in hotel lobbies or restaurants. If something is stolen, report it to the Danish police on 114 and keep the report for any eligible baggage claim under your LUMA policy.
Yes. Denmark's hospitals are world-class and English-speaking doctors are easy to find across the country, but as confirmed by Australia's Smartraveller, tourists must pay for all medical care, even if they need to stay in hospital or be evacuated. An emergency department visit averages around €230 for non-EU visitors, and costs rise quickly from there. LUMA covers eligible medical expenses under your plan, and Medipro can help you decide whether your symptoms need a doctor and what kind of facility makes sense.
Yes, in most cases. Non-EU visitors may need to pay for treatment upfront, while EU visitors with a valid EHIC can access public care at the same reduced rates as Danish residents. LUMA covers medical costs under your plan, and for larger bills, LUMA can handle payment directly with the hospital so you're not settling the full amount yourself in the moment.
Yes, if you require a Schengen visa. Visa applicants must submit proof of insurance covering at least €30,000 for medical emergencies and repatriation, valid across all 29 Schengen countries for the full duration of the stay. All LUMA plans offer USD 50,000 or more in medical coverage, so every plan meets the minimum coverage requirement for a Schengen visa. Travellers from visa-exempt countries can visit for up to 90 days without a visa.
Yes. Denmark's coastal location makes it susceptible to North Sea storms, particularly in autumn and winter, which can disrupt travel and occasionally affect flights. Monitor the Danish Meteorological Institute before travel days. If a covered flight delay meets your policy's minimum delay period, LUMA's flight delay cover can help with expenses like meals or an overnight stay.
