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Europaeiske ERV DK review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Europaeiske ERV DK is a Danish insurer built around expats, with travel as the core product and health and gadget cover alongside it, and an excess of DKK 0 on the listed policies. It suits people living in Denmark who travel out, and falls short for anyone wanting motor, home or life lines.

Key facts

Best for
Expats in Denmark buying travel cover with health and gadget extras.
Insurance types
Travel, Health, Gadget↗
Provider type
Insurer↗
Excess from
DKK 0↗
Claims channels
Phone, Online↗
Age range
under 36 for Rejseforsikring Ung and Backpacker↗
Legal entity
ERGO Forsikring A/S (CVR 62940514), formerly Europæiske Rejseforsikring A/S↗
Headquarters
Denmark↗
Founded
1921↗
Support channels
Email, Phone, Help-centre↗
Audience
Expats
Official website
europaeiske.dk

Facts checked September 26, 2026, 3 sources

Apps and profiles

Elsewhere
WikidataLinkedInfacebook.cominstagram.com

Pros and cons

Pros

  • A Danish insurer founded in 1921, with policies written by ERGO Forsikring A/S, previously Europæiske Rejseforsikring A/S.
  • Travel, health and gadget cover sit in one range: travel, health and gadget.
  • The listed excess is DKK 0, so nothing is held back on a straightforward claim.
  • Support runs on email, phone and help centre, and claims come through phone and online.

Cons

  • The range is travel, health and gadget, so motor, home and life lines are not part of the offer here.
  • The age rule is under 36 for Rejseforsikring Ung and Backpacker, so older travellers buying only the young or backpacker policies have to look elsewhere.
  • Euroasia Insurance covers auto, home and travel, a wider set of personal lines than this range.
Europaeiske ERV DK

Ready to try Europaeiske ERV DK?

Scored 9.4 / 10 by SumCue.

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Who it suits

  • Expats based in Denmark who travel back to their home country.
  • Backpackers and young travellers who meet the age rule in under 36 for Rejseforsikring Ung and Backpacker.
  • Anyone wanting health and gadget extras on the same trip policy, since travel, health and gadget covers all three.

Who should look elsewhere

  • Linxea, whose cover is life, suits people saving for life cover rather than a trip.
  • Oney Préstamos ES, listing health, life and gadget, is the pick when treatment cover matters more than the journey.
  • Euroasia Insurance, covering auto, home and travel, fits households wanting motor and home lines in one place.

Who runs it

The legal entity behind the policy is ERGO Forsikring A/S, previously Europæiske Rejseforsikring A/S, and it is based in Denmark. It has traded since 1921, so the name printed on your policy belongs to a long established company. Support runs on email, phone and help centre, giving you phone, email and help centre routes for questions.

How Europaeiske ERV DK compares

Where Europaeiske ERV DK is available

Available
Denmark

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

How much does a policy cost?+

The listed excess is DKK 0, and the premium you pay depends on trip length, destination and cover level rather than one published price. Across the site's insurance listings, starting premiums have a median of €7.95, so use that as a yardstick for your quote.

Who is behind the policy?+

The policy is written by ERGO Forsikring A/S, previously Europæiske Rejseforsikring A/S, which sits in DK and has traded since 1921. It is listed as insurer, so the contract runs with the company named on the document rather than through an intermediary.

Can I buy a policy?+

The range is built around expats, and the age rule is under 36 for Rejseforsikring Ung and Backpacker. That makes it a natural fit for people living in Denmark who travel elsewhere, and for backpackers inside that age band. Anyone outside the age rule for the young and backpacker policies needs a different provider.

What can I insure?+

The personal range covers travel, health and gadget. Travel is the core product, with health cover for treatment abroad and gadget cover as an extra, so a single trip can carry the additions you actually need instead of a separate policy.

How do I make a claim?+

Claims run through phone and online. That gives you a phone route for the urgent cases and an online route when you have paperwork to send, and the help centre holds the forms either way.

How do I reach customer service?+

Support runs on email, phone and help centre, so you can call, write or work through the help centre without setting anything up first. For a travel policy the help centre is the quickest route when your question is about documents rather than payment.

Can I pay monthly?+

Monthly premiums are normal in this market, with 89% of the site's insurance listings offering them. Ask for a monthly schedule when you buy, since your trip dates decide how many instalments you actually pay.

How do I read the wider numbers on the page?+

Some figures describe the whole comparison site rather than this insurer. One is the share of retail investors who lose money, at 70.15%, a savings and investing measure that says nothing about travel cover. Use €2.66 as the lower end of insurance pricing instead.

Sources

  • europaeiske.dk checked September 26, 2026

    Backs: Headquarters, Support channels

    “ERGO Forsikring A/S | CVR-nr. 62940514 ... Frederiksberg Allé 3 · 1790 København V”

  • europaeiske.dk/privat/om-europaeiske/virksomheden checked September 26, 2026

    Backs: Provider type, Founded, Legal entity

  • europaeiske.dk/privat/rejseforsikringer checked September 26, 2026

    Backs: Age range, Audience, Claims channels, Excess from, Insurance types

    “Teknisk udstyrsforsikring: 'Ingen selvrisiko (Årsforsikring)'; Afbestilling: 'Ingen selvrisiko'.”

Compiled from 3 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Premium from, Monthly payments.

Europaeiske ERV DK

Europaeiske ERV DK

Expats in Denmark buying travel cover with health and gadget extras.

9.4/10See alternatives