Travel insurance Netherlands

Travel insurance for Europe

Basic cheap travel insurance covers all of Europe, including all Schengen countries.
It typically also covers surrounding island groups such as the Canary Islands and Madeira, as well as other commonly visited countries surrounding the Mediterranean such as Morocco, Tunisia and Israel. (☎ call at local rate)

International travel insurance

Worldwide travel insurance gives you the flexibility to go anywhere you want.
But make sure to check for exclusions on your policy before you travel: most insurance companies will exclude war zones and countries for which the Dutch Ministry of Foreign Affairs has issued a negative travel advisory (any advisory colour coded orange or red). (☎ call at local rate)

Cancellation insurance

Unforeseen circumstances may force you to cancel your travel plans or return home early.
Most regular travel insurance policies do not cover cancellation prior to departure and only offer limited coverage for an early return, even if it is due to a family emergency. Cancellation insurance will allow you to recuperate (part of) the cost of your trip in case of family emergencies, if you suddenly lose your job, or if you cannot obtain the required visa or vaccinations for your trip. Coverage varies across policies and providers, and you can take out a short-term or annual policy. (☎ call at local rate) is helping expats in the Netherlands in partnership with:


Choosing a travel insurance for your needs

Insurance providers in the Netherlands typically offer two basic types of travel insurance:

  • European coverage: Covers all of your travel for one year in Europe
  • Worldwide coverage: Covers all of your travel for one year globally

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.

Frequently Asked Questions

What does travel insurance typically cover?

Travel insurance typically offers coverage in case of accidents or unforeseen events while you are abroad, such as:

  • Emergency medical assistance
  • Healthcare abroad
  • Repatriation in case of accident, illness or death
  • Additional healthcare expenses while abroad
  • Early return due to a family emergency at home or an emergency involving your house or your own business
  • Loss of your passport
  • Additional travel expenses due to illness or accident
  • Search and rescue and recovery activities in case you go missing or are in an accident
  • Theft or loss of luggage

Coverage varies across policies and insurance providers.

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.

Can I buy travel insurance in my home country?

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.

What is the deductible excess for Dutch travel insurance?

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.

What are some common exclusions for travel insurance?

Common exclusions include:

  • Illegal activities
  • Dangerous or adventure sports, unless specifically listed in the policy
  • Damage caused by the insured person while under the influence of alcohol or drugs
  • Business travel, unless specifically listed in the policy
  • War
  • Suicide
  • Insufficient care of luggage
  • Foreseeable damage

Coverage varies between policies, so it is always wise to take a close look at the terms and conditions before you purchase the policy.

Is there special travel insurance for over 65s?

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.