Insurance providers in the Netherlands typically offer two basic types of travel insurance:
Levels of coverage vary across policies and providers. Depending on your travel plans, you can opt for European or Worldwide coverage. Similarly, you can choose to include or exclude various higher-risk activities such as skiing or diving. All of these choices will directly influence the price of your insurance policy.
Travel insurance typically offers coverage in case of accidents or unforeseen events while you are abroad, such as:
Coverage varies across policies and insurance providers.
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.
Yes, you can. If you only intend to stay in the Netherlands for a relatively short period, you could purchase travel insurance in your home country to cover your stay in the Netherlands. Many insurance companies offer travel insurance packages specifically for expats. Alternatively, you can purchase a tailor-made Expat Insurance package from a Dutch insurance company.
Deductibles for travel insurance in the Netherlands range from €50 to €125 per year and usually only applies to luggage. The general rule is: the higher your deductible, the lower your monthly premium.
Common exclusions include:
Coverage varies between policies, so it is always wise to take a close look at the terms and conditions before you purchase the policy.
Dutch travel insurance companies generally do not offer targeted travel insurance for those over 65. If you have particular concerns about your travel insurance coverage due to your age, for example when it comes to medical assistance, we recommend that you contact your prospective insurance provider to select a policy that suits your needs.