Updated October 14, 2026 · SumCue Editorial Team
Europaeiske ERV DK vs Multitrip.com
Europaeiske ERV DK
Higher score in this comparison
Multitrip.com
What sets them apart
| Compare | Europaeiske ERV DKReviewSee alternativesSee alternatives | Multitrip.comReviewSee alternativesSee alternatives |
|---|---|---|
| Insurance types | Travel, Health, GadgetCovers more | Travel |
| Claims channels | Phone, Online | Online claims portal, Phone, 24/7 emergency assistance line |
| Age range | under 36 for Rejseforsikring Ung and Backpacker | Up to 79 years old (Single Trip); up to 75 years (Annual Multitrip) |
| Excess from | DKK 0 | Not confirmed |
| Cover limit | Not confirmed | Emergency medical expenses GBP 20,000,000 (Single Trip Essential, Premier and Premier Plus) |
Same on both: Provider type (Insurer).
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Key differences
- Europaeiske ERV DK scores higher overall: 9.4 vs 9.3.
- Multitrip.com is available in 1 more country.
- Insurance types: only Europaeiske ERV DK offers Health, Gadget.
- Claims channels: only Europaeiske ERV DK offers Online.
- Claims channels: only Multitrip.com offers Online claims portal, 24/7 emergency assistance line.
- Support channels: only Multitrip.com offers Chat.
- Audience: only Europaeiske ERV DK offers Expats.
- Audience: only Multitrip.com offers Seniors.
Our verdict on each
Europaeiske ERV DK
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.
Multitrip.com
Multitrip.com’s Irish storefront offers single-trip, annual multitrip and backpacker travel cover. Travelers can compare three cover levels and optional extras, subject to each policy’s terms and exclusions.
Score breakdown
| Area | Europaeiske ERV DK | Multitrip.com |
|---|---|---|
| Cost | 9.6 | Not confirmed |
| Offer | 8.8 | 9.0Higher |
| Trust | 9.6Higher | 9.5 |
How they place
| Ranking | Europaeiske ERV DK | Multitrip.com |
|---|---|---|
| Insurance | 90 of 627 | 135 of 627 |
| Travel insurance | 53 of 278 | 75 of 278 |
Every fact side by side
| Fact | Europaeiske ERV DK | Multitrip.com |
|---|---|---|
| Audience | Expats | Seniors |
| Legal entity | ERGO Forsikring A/S (CVR 62940514), formerly Europæiske Rejseforsikring A/S | Cover-More Blue Insurance Services Limited trading as Multitrip.com |
| Headquarters | Denmark | Ireland |
| Founded | 1921 | Not confirmed |
| Support channels | Email, Phone, Help centre | Phone, Email, Chat, Help centreCovers more |
Pros and cons
Europaeiske ERV DK
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.
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.
Multitrip.com
Pros
- Single-trip, annual multitrip and backpacker cover.
- Three cover levels and optional extras.
Who each suits
Europaeiske ERV DK
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.
Multitrip.com
Who it suits
- People in Ireland comparing Multitrip.com travel-cover options.
Country by country
| Country | Europaeiske ERV DK | Multitrip.com |
|---|---|---|
| Denmark | Yes | No |
| Ireland | No | Yes |
| United Kingdom | No | Yes |
Questions about each
Europaeiske ERV DK
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.
Other options to compare
Europaeiske ERV DK
Multitrip.com