Why do I need travel insurance if I already have health insurance?

Travel insurance covers a range of events not covered by Dutch health insurance policies. Moreover, health insurance policies typically only cover healthcare expenses incurred in European countries up to 100% of the equivalent cost in the Netherlands. In some cases you can purchase additional cover up to 200% of the cost. However, medical expenses in certain countries (e.g. the US) can far exceed this level, leaving you financially liable. Travel insurance will help you cover these costs.