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Health Insurance in Copenhagen

I will be going to Copenhagen in September to take a cruise. I am planning on spending four days in Copenhagen.

I am on Medicare which will not cover me in case of a health emergency or health issue.

Somewhere I have read that travelers need to show proof of health insurance before entering some countries. I do not remember where I read this and what countries were included. I do not remember reading this about Copenhagen.

So, do visitors to Copenhagen have to show proof of health insurance?

Posted by
21171 posts

We have never been asked but most recent visit was a couple of years ago. In fact, we have never been asked anywhere about health insurance.

Posted by
1536 posts

This page tells you all the things you need to get into Denmark as a US citizen (assuming that you are based on your user name) https://travel.state.gov/content/travel/en/international-travel/International-Travel-Country-Information-Pages/Denmark.html

You need a valid passport (more than 6 months beyond planned stay) with two blank pages in passport. I have never been asked for health insurance proof in any European country, including Denmark/Copenhagen.

But, I would say for your personal peace of mind and safety, you should consider purchasing supplemental travel medical insurance coverage. The page linked above also has a section about health, including information about insurance with links to information about providers. AARP may offer something that works for your situation.

Posted by
12416 posts

But, I would say for your personal peace of mind and safety, you
should consider purchasing supplemental travel medical insurance
coverage.

I will echo CL. Although your trip is short and you may be reasonably healthy, an unexpected medical problem abroad could be very, very expensive so even if not asked for proof, you should make sure you're covered.

https://www.ricksteves.com/travel-tips/trip-planning/travel-insurance

Posted by
2455 posts

Agree with prior posters. Check out insuremytrip.com. Small investment for a potentially large cost. You especially want repatriation coverage.

Posted by
6524 posts

I have traveled all over the world, Europe, Asia, South America, Africa never was asked your question. I only had to buy local health insurance in Cuba. But now you can’t even visit there, such a shame.
However I buy trip health insurance to take me to a US hospital if needed.

Posted by
5643 posts

Assuming you have regular Medicare (A and B) with no supplement (several Medigap plans, including C, F, G, cover some energency medical costs outside the U.S.)
If you truly have no medical coverage outside the U.S., then buying travel insurance to cover your entire trip (not just Copenhagen) might be a good idea.

Posted by
5653 posts

https://dk.usembassy.gov/u-s-citizen-services/doctors/

Tourists do not qualify for treatment under the Danish National Health
Service, except in cases of emergency. If, however, the medical
facility determines that the emergency occurred as a result of a
pre-existing condition, the tourist must be prepared to pay for all
services received.

American tourists are reminded that medical services cannot be
provided free of charge, as the Danish National Health Service does
not cover visitors to Denmark. It is therefore recommended to obtain
an estimate of the cost involved before receiving any services. It is
also important to telephone the doctor’s office for an appointment.

Some Medicare Supplementals cover foreign travel up to $50,000 but not medical evacuation.

Posted by
5208 posts

Under a tourist visit, no proof is needed. If you were to apply for a longer term Visa, then yes, you would need proof. In your case the first instance applies.

Posted by
173 posts

Thanks to all for your helpful responses,

I called Medicare and was told that I would be covered in case of an emergency. I would have to pay but be reimbursed. So, that is what i was told by a customer service rep at United Health Care. However, you never really know what is covered or not covered until you request reimbursement. That's my opinion.

I believe that many persons with private insurance also have to pay upfront and later get reimbursed.

I am also booking and paying for my trip with a Citi Card. I am going to call Citi and see if they offer insurance. I am flying with American and I am American Advantage. I will be buying insurance when I book my flight but I think that will only pertain to my flight.

I am a member of AARP and will give them a call also.

I have bought insurance for the cruise but that will only cover me when on the ship.

Posted by
21171 posts

You may find it beneficial and probably cheaper to have one blanket travel/medical insurance policy than piecemeal policies from a variety of vendors. Especially if you have to file a claim, then you are only dealing with one company.

Posted by
2455 posts

So, if you spoke to someone at United does that mean you are enrolled in a Medicare Advantage product or is United your Medigap carrier? You sort of need to know this stuff. If you called Medicare (not United) you would find Medicare has no coverage outside of the US, emergency or not.

Posted by
5653 posts

If your Medicare is a Part C plan:
https://medicarepartc.com/medicare-advantage-traveling/

Medicare Part C May Cover Your Trip Abroad
One of the biggest benefits for anyone with Medicare Advantage is that they can travel and still be seen by a doctor or receive emergency care if something were to happen on their trip. Since retirees often travel, it’s difficult to do so if you only have Original Medicare, which is just Part A and Part B. Some Medicare Advantage plans provide coverage benefits for all health care needs when enrollees go outside of the United States, but it’s best to check with your health insurance company first.

Posted by
173 posts

I called the number on the back of my insurance card. I get a sing song "welcome to United Health Care" when there is an answer.

I have a Medicare Advantage Plan through AARP United Health Care. It is all very confusing. it is something like United Health Care @ AARP but it it is a medicare advantage plan.

Recently, I called about a supplemental plan and told that I was not eligible to purchase one . Something about my being too old or waiting too long. Medigap policies are not available to those who are on an advantage plan.

Posted by
2455 posts

It can be confusing. You have a Medicare Part C plan also called Medicare Advantage. Likely it includes drug coverage as well. Those with “traditional” Medicare need to purchase separate Medigap and drug policies. You do not. Medicare Advantage Plans must cover everything Medicare does but can choose to add additional coverage. See this: https://www.medicare.gov/sign-up-change-plans/types-of-medicare-health-plans/medicare-advantage-plans/how-do-medicare-advantage-plans-work

Posted by
152 posts

No, you will not be asked for proof of insurance. I will add my 2 cents though and agree with those who suggested buying supplemental insurance (I also use insuremytrip). I always add a policy that covers medical evacuation even though I may have other coverage. I think I even have med evac but at a relatively low amount. Unfortunately, we have had friends and family members who have needed such a service. For about a $100, I can get $500k+ and peace of mind.

Posted by
1041 posts

called Medicare and was told that I would be covered in case of an
emergency.

Be aware that the medical cost in Denmark will probably not break your bank. What really cost is, if you need to be sent back to US in an ambulance plane - with a nurse or two attending you.

THAT can break your bank.

Posted by
173 posts

I called insuremytrip and might consider them for the next one but I think that i can do better buying insurance through my cruise line and my airline.

I am going to think positively and hope that I am going to be healthy my four days in Copenhagen and that there will be no disasters of any kind.

However, on every cruise I have been on, someone (s) has had a disaster.

Posted by
2455 posts

Well the devil is in the details. I doubt you can buy coverage for repatriation either through the cruise line or an airline. That and major medical is really all I care about.