business travel insurance netherlands

• Liability insurance for companies
• Business liability insurance (AVB).
• Professional indemnity insurance
• Directors' Liability Insurance
• Corporate liability insurance
• Company car
• Delivery moped
• Delivery bike insurance
• Courier insurance
• Passenger car
• Cab Insurance
• Transport insurance
• Fleet insurance
• Work Equipment Insurance
• Business electric bicycle insurance
• Commercial property insurance
• Business interruption insurance
• CAR insurance
• Collective accident insurance
• Collective health insurance
• Companion insurance
• Container and trailer insurance
• Cyber Insurance
• Inventory and goods insurance
• Inventory insurance
• Credit Insurance
• Environmental damage insurance
• SME Total Package
• Verzuim insurance
• VVE Total Package
• Business travel insurance
• Business legal expenses insurance
• Liability insurance for self-employed persons
• AOV insurance for self-employed people
• Corporate Liability insurance for freelancers
• Professional indemnity insurance for freelancers
• Accident insurance for self-employed persons
• Legal expenses insurance for freelancers
• ZZP Insurance Package
• AOV insurance
• Employers' collective
• Business mortgage from RegioBank
• Current Account Credit from RegioBank
• Housing offer
• New construction
• Corporate Housing
• Rental offer
• Purchase broker
• Selling a house
• Property Appraisal
• Our offices
• Customer Service
• About Alpina
• Submit changes
• Frequently Asked Questions

Compare and take out your business travel insurance

On a business trip , you face different risks than on a regular vacation.

14-day cooling-off period

Cancel within 14 days free of charge

Europe or world coverage

Help from our experts.

Can't figure it out? Our experts are always ready to help you

Go to direct to

• Our experts

All about business travel insurance

Clear, transparent & honest advice for more than 110 years, we pick out the fine print for you.

"Comparing moped insurance almost always pays off. Premiums may have increased or your personal situation may have changed. That's why we recommend comparing your moped insurance every year."

Laura - Expert Insurance

Expert insurance for years

Of course, a business trip is not a vacation, although there is always a buffoon asking what the temperature of the sea water was when you have just returned from a business trip.

This is because the risk of a business trip is different and usually more comprehensive than a vacation. This is why travel insurance policies do not pay out when damage is incurred during a business trip.

To still be insured during a business trip, you can purchase business travel insurance.

On a business trip, you face different risks than on an ordinary holiday. If something happens to you, it has direct consequences for your company. Whether you are in a meeting or have to carry out high-risk activities, it is important that you are properly insured. Different risks also apply to your luggage You probably take a laptop or tablet with you on your business trip, which contains valuable information. Perhaps you have important documents in your luggage. The business financial risk in case of theft or loss is therefore much higher. The insurance company will therefore apply different conditions and rates than for tourist baggage.

At Alpina.nl you can easily compare business travel insurance policies. After entering a few details, a number of insurance policies tailored to your needs will appear, along with the corresponding premiums and policy conditions. You can now compare these on price and content. Also take a good look at the policy conditions, so you can be sure in which situations you are insured. After all, there are always things that are excluded from coverage. This way you will not be faced with unpleasant surprises during your business trip. Once you have found a suitable insurance policy, you can take it out directly online. Are you having problems or do you have any questions? Then you can of course always reach us by phone at 088 - 688 37 00. You can also send us a message via chat, WhatsApp or Messenger.We are happy to help you!

When you travel for business once or twice a year, it is sufficient to take out a short-term travel insurance. You will pay exactly for the days you are on the road, so you will never pay too much. If you travel more often, it is wise to choose a continuous travel insurance. You have less to arrange and don't run the risk of forgetting to activate your insurance. You choose which modules you take out. With the Business trip module you are insured all year round for trips you make for your work. When you take out the insurance, you indicate which modules you want to activate. For example, you can choose to include travel accidents or breakdown cover. You can also choose the insured amount for your luggage and the money you have with you. In this way you compose the insurance exactly to your wishes.

Would you rather not pay too much for your business travel insurance? At Alpina.nl you can put together your travel insurance completely to suit your needs. You choose which coverages you take out. For example, you can include medical expenses, car assistance or accidents. You can also choose the amount of money and luggage you want to insure. Of course, the more coverage you take out, the more expensive the insurance will be. In addition, you also choose the deductible. The higher the deductible, the lower the insurance premium.

Are you looking for the best business travel insurance? Then look closely at the coverages you turn on. When you briefly cross the border to Germany or Belgium for a business meeting, that counts as business travel. The moment something happens to you there, you cannot call on your private travel insurance. This is why it is wise to always have your insurance in order. It doesn't have to take a lot of time. At Alpina\.nl you can arrange your travel insurance 24/7 with just a few mouse clicks. Wherever you are!

You can take out collective travel insurance for your entire company. Everyone is then always well insured on the road. Also colleagues who live elsewhere in Europe and occasionally visit the head office in the Netherlands are insured. If you are a freelancer or you are the only one travelling within your company, you can take out an individual travel insurance. You can then incidentally co-insure colleagues and even family members.

Frequently asked questions about business travel insurance

Business travel insurance is not compulsory. However, this insurance is recommended for people who travel frequently on business. Business travel insurance can save you a lot of money when you get into unpleasant situations while travelling.

Business travel insurance is for everyone who travels for work. Volunteer work, a study trip or an internship also fall under working on a trip. For this you should also take out a business travel insurance.

A business trip is a journey that is not a holiday. For example, you go abroad for business or to visit a conference. Are you going abroad for study, internship or voluntary work? Then most insurers include this in the standard coverage for a continuous travel insurance and you do not need to take out the business trip module.

When you take out a continuous travel insurance policy, you choose which covers you want. Here you can select the Business trip module, so that you are insured during trips that you make for your work. You can also choose from the following covers:

Medical expenses Accidents Legal expenses Cancellation Breakdown assistance Special sports Extra sports equipment

You may also find this interesting

The complete guide to Budget Day 2022: Measures for businesses in the Netherlands

RDW makes license plate inspection easier

Ensure safety at events with event insurance

We can be reached via chat, whatsapp, phone or email.

Please feel free to contact us if you would like to know more. We are here Monday to Friday from 08:00 to 18:00.

get in touch

• Travel management Toggle submenu Egencia Overview Travel management solutions Amex GBT Neo1 Amex GBT Select Amex GBT Ovation Amex GBT Lawyers Travel Manage your corporate travel programme Corporate travel policy Travel risk management Travel expense management Reporting Travel management consulting Industry Solutions Transportation & Logistics

Egencia reviews

See how Egencia works

• Customer centre Toggle submenu Travellers Help centre Business traveller centre Download the app Travel arrangers Help centre Travel arranger centre Training resources Travel managers Connect community Product updates Customer training
• Watch a demo
• Request a demo
• About Egencia

What Business Travel Insurance Is And Why To Get It

Travel insurance — what it is and why you should consider getting it.

Business travellers are well acquainted with all the things that could go wrong on a business trip. Flight cancellations. Lost luggage. Weather delays. Whether it’s domestic or international travel, it’s good to be prepared for some level of inconvenience along the way. But for business travellers, any travel delay can mean a missed sales opportunity or a disappointed customer. It’s not just an inconvenience — there can be serious business ramifications.

The responsibility for mitigating the impacts of these risks on the business falls on the travel manager. Every flight cancellation or rescheduled itinerary potentially costs your company money in non-refundable tickets or extra change fees. This responsibility extends beyond keeping an eye on expenses. The travel manager’s job is to ensure the well-being of travellers, especially when travelling internationally.

Business travel insurance is one way to mitigate the financial impacts of the unexpected and provide peace of mind for you and your travellers. It eases the stress of dealing with unexpected travel changes, and protects you from certain financial risks and losses that can occur. This goes beyond flight cancellations and baggage delays. Let’s say you have a medical condition and your doctor advises that you cancel your trip. Without travel insurance, any non-refundable fees that you’ve already paid would be lost.

That’s why Egencia has partnered with Allianz Global Assistance to provide air travel insurance — and peace of mind — to travellers who book their business trips through our platform.

Why you need a travel insurance plan

Every traveller has encountered cancellations and baggage delays at some point. A single trip can be compromised if there are multiple layovers with international travel. However, there are many other risks that can impact business travel.

• Flight delays and last-minute cancellations cause you to miss important meetings.
• Severe weather shuts down travel routes, preventing you from arriving at your destination on time.
• An injury or other medical condition forces you to cancel or reschedule a planned trip.
• Serious illness while travelling could involve emergency medical evacuation or even a last-minute change to your trip to get you out of the country.
• Checked-in luggage containing important business equipment, presentation materials or personal items like credit cards doesn’t arrive on time or gets stolen.

We live in a dynamic, unpredictable world. It’s not a question of if it’s going to happen, but when it will happen. Business travel insurance can reimburse you for non-refundable money spent on air travel or hotels. It can also reimburse the costs of emergency medical treatments when your people are on the road. The key is to make sure you have the right kind of travel insurance plan.

How, when and where to get travel insurance

You don’t want to wait too long to purchase travel insurance. The best time to buy is when you book your business trip.

When you book business travel through Egencia, you're given the option to purchase business travel insurance provided by Allianz Global Assistance. Allianz Global Assistance is an Egencia Advantage Partner and provides travel insurance plans that protect travellers within the U.S. with up to 28 covered reasons for trip cancellation. Allianz also provides coverage in 15 countries in EMEA. Their assistance team is ready to help travellers on the road find help while travelling 24/7, any day of the year. Some of the items covered include:

• Trip cancellation
• Trip interruption
• 24/7 travel and emergency assistance
• Travel and baggage delay

With these options available right in the booking tool, Egencia integrates travel insurance protection along with the other details of an itinerary. For travel programme management purposes, all of the information is in one portal.

Beyond travel insurance

There are other programmes that can also provide some reimbursement protection when travel insurance isn’t requested or available. For instance, travellers in the EU who book their itinerary through Egencia can use AirHelp to aid with cancellations or delayed EU flights. While it’s not an insurance policy, AirHelp is a programme that allows you to recoup some air travel expenses when disruption happens.

Egencia can help you find all the resources you need to manage a successful travel programme.

Terms, conditions and exclusions apply. Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A-” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101 -C series or 101-P series, depending on your state of residence and plan chosen. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at 800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or [email protected] .

Looking for better business travel solutions? Get in touch with us.

Top Travel Insurances for the Netherlands You Should Know in 2024

Byron Mühlberg

Monito's Managing Editor, Byron has spent several years writing extensively about financial- and migration-related topics.

Links on this page, including products and brands featured on ‘Sponsored’ content, may earn us an affiliate commission. This does not affect the opinions and recommendations of our editors.

The Netherlands is a small country with an outsized reputation among tourists and expats. It's known for its picturesque flat landscapes, charming city centres, relaxed social policies, and a laid-back rural culture filled with windmills, tulip fields, cheesemakers, and sailboats. Although travelling to the Netherlands can be an accessible holiday destination for many people, out-the-pocket healthcare costs in the country tend to be expensive, so it's a very good idea to arrive there with travel insurance under your belt.

Luckily, online global insurances (known as 'insurtechs') specialize in cost-savvy travel insurance to the Netherlands and other countries worldwide. Our list below explores the four services we believe provide the best deals for young travellers, adventurers, everyday holidaymakers looking for comprehensive but affordable coverage, and longer-term expats.

Netherlands Insurance Profile

Here are a few of the many factors influencing the scope and cost of travel insurances for the Netherlands:

Best Travel Insurances for the Netherlands

• 01. Should I get travel insurance for the Netherlands? scroll down
• 02. Best medical coverage: VisitorsCoverage scroll down
• 03. Best trip insurance: Insured Nomads scroll down
• 04. Best mix for youth and digitial nomads: SafetyWing scroll down
• 05. FAQ about travel insurance to the Netherlands scroll down

Heading to the Netherlands soon? Don't forget to check the following list before you travel:

• 💳 Eager to dodge high FX fees? See our picks for the best travel cards in 2024.
• 🛂 Need a visa? Let iVisa take care of it for you.
• ✈ Looking for flights? Compare on Skyscanner !
• 💬 Want to learn the local language? Babbel and italki are two excellent apps to think about.
• 💻 Want a VPN? ExpressVPN is the market leader for anonymous and secure browsing.

Do I Need Travel Insurance for the Netherlands?

No, there's currently no legal requirement to take out travel insurance for travel to or through the Netherlands.

However, regardless of whether or not it's legally required, it's always a good idea to take our health insurance before you travel — whether to Holland or anywhere else. For what's usually an affordable cost , taking out travel insurance will mitigate most or all of the risk of financial damage if you run into any unexpected troubles during your trip abroad. Take a look at the top five reasons to get travel insurance to learn more.

With that said, here are the top three travel insurances for the Netherlands:

VisitorsCoverage: Best Medical Coverage

Among the internet's best-known insurance platforms,  VisitorsCoverage  is a pioneering Silicon Valley insurtech company that offers comprehensive medical coverage for travellers going abroad to the Netherlands. It lets you choose between various plans tailored to meet the specific needs of your trip to the Netherlands, including coverage for medical emergencies, trip cancellations, and travel disruptions. With its easy online purchase process and 24/7 live chat support, VisitorsCoverage is a reliable and convenient option if you want good value and peace of mind while travelling abroad.

• Coverage 9.0
• Quality of Service 9.0
• Pricing 7.6
• Credibility 9.5

VisitorsCoverage offers a large variety of policies and depending on your needs and preferences, you'll need to compare and explore their full catalogue of plans for yourself. However, we've chosen a few highlights for their travel insurance for the Netherlands:

• Policy names: Varies
• Medical coverage: Very good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, mental health-related conditions, and many others.
• Trip coverage: Excellent - but only available for US residents.
• Customer support: FAQ, live chat and phone support
• Pricing range: USD 25 to USD 150 /traveller /month
• Insurance underwriter: Lloyd's, Petersen, and others
• Best for: Value for money and overall medical coverage

Insured Nomads: Best Trip Coverage

Insured Nomads is another very good travel insurance option, especially if you're adventurous or frequently on the go and are looking for solid trip insurance with some coverage for medical incidents too. With Insured Nomads, you can choose the level of protection that best suits your needs and enjoy a wide range of benefits, including 24/7 assistance, coverage for risky activities and adventure sports, and the ability to add or remove coverage as needed. In addition, Insured Nomads has a reputation for providing fast and efficient claims service, making it an excellent choice if you want peace of mind while exploring the world.

• Coverage 7.8
• Quality of Service 8.5
• Pricing 7.4
• Credibility 8.8

Insured Nomads offers three travel insurance policies depending on your needs and preferences. We go through them below:

• Policy names: World Explorer, World Explorer Multi, World Explorer Guardian
• Medical coverage: Good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, and many others.
• Trip coverage: Good. Includes coverage for trip cancellation and interruption, lost or stolen luggage (with limits), adventure and sports activities, and many others.
• Customer support: FAQ, live chat, phone support
• Pricing range: USD 80 to USD 420 /traveller /month
• Insurance underwriter: David Shield Insurance Company Ltd.
• Best for: Adventure seekers wanting comprehensive trip insurance

SafetyWing: Best Combination For Youth

SafetyWing is a good insurance option for younger travellers or digital nomads because it offers flexible but comprehensive coverage at a famously affordable price. With SafetyWing, you can enjoy peace of mind knowing you're covered for unexpected medical expenses, trip cancellations, lost or stolen luggage, and more. In addition, SafetyWing's user-friendly website lets you manage your policy, file a claim, and access 24/7 assistance from anywhere in the world, and, unlike VisitorsCoverage, you can even purchase a policy retroactively (e.g. during a holiday)!

• Coverage 7.0
• Quality of Service 8.0
• Pricing 6.3
• Credibility 7.3

SafetyWing offers two travel insurance policies depending on your needs and preferences, which we've highlighted below:

• Policy names: Nomad Insurance, Remote Health
• Medical coverage: Decent. Includes coverage for doctor and hospital visits, repatriation, and many others.
• Trip coverage: Decent. Includes attractive coverage for lost or stolen belongings, adventure and sports activities, transport cancellation, and many others.
• Pricing range: USD 45 to USD 160 /traveller /month
• Insurance underwriter: Tokyo Marine HCC
• Best for: Digital nomads, youth, long-term travellers

How Do They Compare?

Interested to see how VisitorsCoverage, SafetyWing, and Insured Nomads compare as travel insurances to the Netherlands? Take a look at the side-by-side chart below:

Data correct as of 4/1/2024

FAQ About Travel Insurance to Holland

Travel insurance typically covers trip cancellation, trip interruption, lost or stolen luggage, travel delay, and emergency evacuation. Some travel insurance packages also cover medical-related incidents too. However, remember that the exact coverage depends on the insurance policy.

No, you'll not be required to take out travel insurance for the Netherlands. However, we strongly encourage you to do so anyway, because the cost of healthcare in the Netherlands can be high, and taking out travel insurance will mitigate some or all of the risk of covering those costs yourself if you need medical attention during your stay.

Yes, medical travel insurance is almost always worth it, and we recommend taking out travel insurance whenever visiting a foreign country. Taking out travel insurance will mitigate some or all of the risk of covering those costs yourself in case you need medical attention during your stay. In general, we recommend VisitorsCoverage to travellers worldwide because it offers excellent value for money and well-rounded travel and medical benefits in its large catalogue of plans.

Health insurance doesn't cover normal holiday expenses, such as coverage for missed flights and hotels, but in case you run into medical trouble while abroad, it may cover some or all of your doctor or hospital expenses while overseas. However, not all health insurance providers and plans offer coverage to customers while abroad, and that's why it's generally best to take out travel insurance whenever you travel.

Although there's overlap, health and travel insurance are not exactly the same. Health insurance covers some or all of the cost of medical expenses (e.g. emergency treatment, doctor's visits, etc.) while travel insurance covers non-medical costs that are commonly associated with travelling (e.g. coverage for missed flights, stolen or lost personal belongings, etc.).

The cost of travel insurance depends on several factors, such as the length of the trip, the destination, the age of the traveller, and the level of coverage desired. On average, travel insurance can cost anywhere between 3% and 10% of the total cost of the trip.

A single-trip travel insurance policy covers a specific trip, while an annual one covers multiple trips taken within a one-year period. An annual policy may be more cost-effective for frequent travellers.

Yes, you can sometimes purchase travel insurance after starting your trip, but it is best to buy it before the trip begins to ensure maximum coverage. If you do need to buy insurance after you've started your trip, we recommend VisitorsCoverage , which offers a wide catalogue of online trip and medical insurance policies, most of which can be booked with immediate effect. Check out our guide to buying travel insurance late to learn more.

Yes, you can most certainly purchase travel insurance for a trip that has already been booked, although we recommend purchasing insurance as soon as possible aftwerwards to ensure all coverage is in place before your journey begins. Check out our guide to buying travel insurance late to learn more.

See Our Other Travel Insurance Guides

Looking for Travel Insurance to Another Country?

See our recommendations for travel insurance to other countries worldwide:

Why Trust Monito?

You’re probably all too familiar with the often outrageous cost of sending money abroad. After facing this frustration themselves back in 2013, co-founders François, Laurent, and Pascal launched a real-time comparison engine to compare the best money transfer services across the globe. Today, Monito’s award-winning comparisons, reviews, and guides are trusted by around 8 million people each year and our recommendations are backed by millions of pricing data points and dozens of expert tests — all allowing you to make the savviest decisions with confidence.

Monito is trusted by 15+ million users across the globe.

Monito's experts spend hours researching and testing services so that you don't have to.

Our recommendations are always unbiased and independent.

Business travel solutions

Our product, the Business Travel Insurance, is designed for all companies and organizations with business travelers and expats around the world and it is tailor made to your company's risk profile.

The main risks involved in international mobility include:

• The number of kidnapping cases doubled over the past six years
• The number now stands at 10,000 per year, 10% of which involve business travelers
• Criminality
• Civil unrest and civil war
• Traffic accidents
• Medical risks

Employer obligations

Employers must comply with a number of obligations regarding employees traveling abroad on an incidental basis. These include:

• Informing employees about the risks of international mobility (traveling) and making a prior assessment of the safety of operational sites.
• Providing adequate information about risks and safety, and providing advice and training to the employees traveling to or stationed in high-risk areas.
• Preparing employees for international mobility and implementing a travel risk protocol.
• Preparing procedures for dealing with travel-related incidents.
• Concluding adequate insurance covering damage, injury and loss incurred by employees (Article 7:611 of the Dutch Civil Code).

More so than in the past, organizations have a duty of care to protect their employees during business travel. The potential risks facing these employees have increased dramatically, ranging from medical problems and downtime of transportation links to natural disasters, security threats and loss of image.

Both employees and employers should be aware of the risks associated with international travel. It is also important that employers accept responsibility for the wellbeing and security of their employees when travelling on business assignments. Employees expect their employer to provide professional assistance at a time of crisis. An inability to fulfill these expectations will damage the company's image and reputation, with potentially serious financial consequences to both the employer and/or the employee.

Developments

Key starting points that must be identified and covered can be divided into three phases:

Anticipation phase

Preparing a travel management strategy based on country analyses and compiling an internal risk process, such as:

• Preparing and protecting employees when traveling to high-risk countries. Ensure that employees being posted abroad are well trained and experienced. Safety and security is a matter of many minor decisions. These are often based on individual experience, or the lack of it, as the case may be.
• Monitoring local and worldwide risks to ensure that employees are aware of possible risks and hazards in advance.
• Implementing and updating security procedures. Anticipating possible disruption due to domestic unrest, kidnapping, terrorism or accidents.
• Creating a safety, security and insurance plan that immediately becomes effective when a calamity arises, thus reducing the employer's risks and liability.

Prevention phase

• Always ensure you provide accurate, current information. This applies to both employees in the field and employees at head office. Any information from public sources such as TV news, news wires and social media is invaluable, as well as specialist sources such as the security analyses of specialist organizations.
• Specify the risks. Consult people in the field on an hourly basis to establish which risks the company deems acceptable. For example, should employees try to go to the airport in the event of a calamity, or should they stay in their hotel room? Provide safety and security training prior to posting employees by means an online module, for example.
• Arranging medical and/or business travel insurance with accident coverage plus full molest clause.

Response phase

Business travel insurance.

If desired, we can provide professional assistance in setting up a global travel program. As an employer, you cannot afford to implement standard solutions. Safety and security relating to international travel always require specific and tailored insurance solutions.

We work with all business travel insurance providers so that we can manage your risks on all the above criteria.

If you would like our advice or a quotation, please contact our senior consultant International People Mobility Arno Rietveld, [email protected] .

• Skip to primary navigation
• Skip to main content
• Skip to primary sidebar
• Skip to footer

• Best Global Medical Insurance Companies
• Student Insurance
• Overseas Health Insurance
• Insurance for American Expats Abroad
• Canadian Expats – Insurance and Overseas Health
• Health Insurance for UK Citizens Living Abroad
• Expat Insurance for Japanese Abroad
• Expat Insurance for Germans Living Abroad
• Travel Medical Insurance Plans
• Annual Travel Insurance
• Visitors Insurance
• Top 10 Travel Insurance Companies
• Evacuation Insurance Plans
• Trip Cancellation Insurance
• International Life Insurance
• Corporate and Employee Groups
• Group Global Medical Insurance
• Group Travel Insurance
• Group Life Insurance
• Foreign General Liability for Organizations
• Missionary Groups
• School & Student Groups
• Volunteer Programs and Non-Profits
• Bupa Global Health Insurance
• Cigna Close Care
• Cigna Global Health Insurance
• Cigna Healthguard
• Xplorer Health Insurance Plan
• Navigator Student Health Insurance
• Voyager Travel Medical Plan
• Trekker Annual Multi-Trip Travel Insurance
• Global Medical Insurance Plan
• Patriot Travel Insurance
• Global Prima Medical Insurance
• Student Health Advantage
• Patriot Exchange – Insurance for Students
• SimpleCare Health Plan
• WorldCare Health Plan
• Seven Corners Travel Insurance
• SafeTreker Travel Insurance Plan
• Unisure International Insurance
• William Russell Life Insurance
• William Russell Health Insurance

Atlas Travel Insurance

• StudentSecure Insurance
• Compare Global Health Insurance Plans
• Compare Travel Insurance Plans
• Health Insurance in the USA
• Health Insurance in Mexico
• Health Insurance in Canada
• Health Insurance in Argentina
• Health Insurance in Colombia for Foreigners
• Health Insurance in Chile
• UK Health Insurance Plans for Foreigners
• Health Insurance in Germany
• French Health Insurance
• Italian Health Insurance
• Health Insurance in Sweden for Foreigners
• Portuguese Health Insurance
• Health Insurance in Spain for Foreigners
• Health Insurance in China
• Health Insurance in Japan
• Health Insurance in Dubai
• Health Insurance in India
• Thailand Health Insurance
• Malaysian Health Insurance for Foreigners
• Health Insurance in Singapore for Foreigners
• Australian Health Insurance for Foreigners
• Health Insurance in New Zealand
• South Africa Health Insurance for Foreigners
• USA Travel Insurance
• Australia Travel Insurance
• Mexico Travel Insurance
• News, Global Health Advice, and Travel Tips
• Insurance Articles
• Travel Advice and Tips
• Best Travel Insurance for Seniors
• Best Hospitals in the United States
• Best International Hospitals in the UK
• Best Hospitals in Mexico

Or call for a quote: 877-758-4881 +44 (20) 35450909

International Citizens Insurance

Medical, Life and Travel Plans!

U.S. 877-758-4881 - Intl. +44 (20) 35450909

Travel Insurance for The Netherlands

Visitors to the netherlands: safety and travel insurance advice.

The Netherlands is one of the safest and healthiest countries in the world. In fact, it’s ranked as the 15th safest country by the World’s Safest Country index . It’s also incredibly popular with tourists. The Netherlands is the 20th most visited country in the world. In 2017 alone, there were 17 million foreign visitors. For a relatively small country, with not much more than 17 million residents itself, that’s a huge influx! The majority of those visitors spend most of their time in Holland. Holland makes up just two of The Netherlands’ twelve counties. The remaining 10 counties are quiet by comparison. Thus, for visitors who venture outside of Holland and its principal city of Amsterdam, beautiful cities, quaint towns, and long stretches of picturesque countryside await. There’s still a lot for tourists to discover in The Netherlands! This is the critical information on health, safety, and travel insurance for The Netherlands you need to know before you go.

Travel Insurance in The Netherlands for Visitors

When traveling outside of your home country it is always recommended to purchase a travel medical insurance plan. The Netherlands is no different. Even though it is one of the safest countries, it doesn’t mean you will be exempt from illness or an accident. It’s best to get coverage and peace of mind.

• Emergency medical, evacuation, repatriation benefits
• Choose between the basic and more extensive coverage
• Meets Schengen visa insurance requirements
• 24/7 worldwide travel and emergency medical assistance

Seven Corners Travel Medical Insurance

• Comprehensive medical coverage with benefits up to $5,000,000.
• Adventure activities coverage available.
• Emergency Medical Evacuation protection up to $500,000.

Health Insurance for Expats in The Netherlands

Expats in The Netherlands need to have basic Dutch health insurance . There are no exceptions, even if they are carrying private health insurance from their home country. But there is still flexibility. Within the Dutch health insurance system, everyone has the right to choose which provider they want.

Finding a local doctor should be one of your first jobs as an expat. The local doctor plays an important role in healthcare in the Netherlands. They are the first stop to receive any type of medical treatment.

Cigna Global Insurance Plan

• The flexibility to tailor a plan to suit your individual needs
• Access to Cigna Global’s trusted network of hospitals and doctors
• The convenience and confidence of 24/7/365 customer service

Understanding The Netherlands’ Healthcare System

The quality of healthcare in The Netherlands is excellent. The country has universal healthcare. The government requires all adults to have basic health insurance. This insurance is managed by the government and is further supplemented by private companies. Additional supplemental coverage is optional but everyone living in The Netherlands must have government-managed health insurance from a Dutch provider.

This insurance covers things like visits to general practitioners and hospitals. And it’s very economical. Both primary and long-term services are offered at a fixed price. Furthermore, it’s illegal for insurance companies to refuse coverage or impose punitive fees.  As well, residents with a local income level can apply for financial assistance.  This helps with the cost of basic healthcare and covering supplemental services.

Emergency Numbers In The Netherlands

The emergency number for The Netherlands is 112.

Hospitals in The Netherlands

There are 3 kinds of hospitals in The Netherlands. There are university hospitals, general hospitals, and teaching hospitals. Most of them are privately run. Visitors can expect all hospitals in The Netherlands to be clean, comfortable, and run by multilingual staff.

In an emergency situation, you do not need to be pre-registered at the hospital. You can simply go to the nearest emergency room. If you’re staying in the country for a long time and thus are signed up to a local doctor they may also have an out-of-hours emergency number. And if you’re in Holland, you can call the Centrale Huisartsen Post (CHP) outside of regular hours to consult a doctor.

Make sure you understand what your travel insurance for The Netherlands will cover.

Vaccines and Staying Healthy

Tap water is safe to drink in The Netherlands. As well, public sanitation standards are high. There are no major concerns about food safety.

As with all travel destinations, make sure that your routine vaccinations are up to date . Some of these vaccines include measles-mumps-rubella (MMR), diphtheria, tetanus, pertussis, polio, varicella (chickenpox), influenza, and Hepatitis B.

Finding public washrooms is challenging in The Netherlands. There are free urinals in many Dutch cities but the same can’t be said of private toilet stalls. Savvy travelers always keep several coins with them to pay for public toilets. Others simply keep an eye out for fast food restaurants. The purchase of a small soda is a small price to pay for access to a clean and private washroom!

Bike Safety In The Netherlands

The cliche of The Netherlands being a cycling destination is absolutely true. There are indeed more bicycles than people in The Netherlands. The average Dutch citizen cycles more than 3km every day . However, visitors should know that the bike lanes are dangerous spots – but not for cyclists. They’re dangerous for unsuspecting tourists! Another reason to purchase travel insurance for The Netherlands, it is common for tourists to be involved in an accident.

Designated bike lanes are usually painted red and are marked with the symbol of a bike. But bikes are truly everywhere and cyclists don’t slow down for pedestrians. In busy cities like Amsterdam, always assume the road you are on is used by cyclists. Double-check before you cross!

Unfortunately, bicycle theft is common in The Netherlands. Locals use a two-lock system, utilizing both a standard bike lock plus a chain lock. They also look for guarded bike parks to park their bike.

Drug Use In The Netherlands

Cannabis is not legal in the Netherlands. Cannabis is decriminalized and recreational use of it is tolerated. This relaxed attitude towards soft drug use plays an important role in the country’s tourism industry. Figures suggest that 25-30% of people who visit Amsterdam spend time in a coffee shop for the purposes of trying cannabis.

You are allowed to purchase up to 5 grams of cannabis for personal use. That said, you must be older than 18 years old. In some parts of The Netherlands, you also need to be a resident to make a purchase. However, residency rules don’t apply in Amsterdam. You also must visit a licensed establishment such as a coffee shop.  Coffee shops are clean, safe, and welcoming establishments with knowledgeable staff and safe products.

Despite its laid-back reputation, drug use and trafficking are taken very seriously in The Netherlands. You could face heavy fines and a serious jail sentence for trafficking drugs, traveling in and out of The Netherlands with drugs, or using drugs outside a licensed establishment.

Visiting The Red Light District

The famous Red Light District of Amsterdam. By day, it’s a relatively tame, quiet part of the city. By night – well, it’s also relatively tame but with hoards of tourists. Amsterdam’s De Wallen neighborhood, better known as the Red Light District, is very safe for curious travelers to visit, with two exceptions. Anyone caught taking photos of sex workers will get in big trouble. Taking photos here is extremely disrespectful. Those working there might give you a scary warning (at best) or throw your phone into the canal (at worst). Secondly, this is a pickpocket’s paradise. Pickpocketers thrive on crowds of distracted visitors, something in abundance there.

Prostitution is legal across The Netherlands, not just in Amsterdam. Any consensual encounter between a prostitute and a customer is allowed. But there is a risk of sexually transmitted diseases, just like in any sexual encounter. Just because sex work is legal in The Netherlands doesn’t mean there are any guarantees which negate the use of safe sex practices.

The safety and health of both sex workers and customers are just two of the topics in a growing debate about the future of legalized prostitution in The Netherlands, as per the Financial Post . Of particular concern is that the country hasn’t been successful in preventing human traffickers from profiting from the system.

Passport Requirements for Travel to The Netherlands

The Netherlands is a Schengen area country . Most travelers do not require a visa for stays of 90 days within a 180 period. You can find a full list of what nationalities do and do not need visas or other special considerations here .

• International Hospitals for Expatriates
• The Safest Cities for International Travelers

Get a fast, free, international insurance quote.

Global medical plans, specialty coverage, company info, customer service.

Travel Insurance in the Netherlands: Tips for Travellers 2024

November 7, 2023

No Comments

For those not familiar with Dutch, the prospect of navigating the country’s insurance market can seem daunting. Yet, reliable travel insurance is not just a checkbox on your travel to-do list but an essential safeguard against unforeseen mishaps and emergencies.

Whether you’re a short-term tourist admiring the Dutch masterpieces or an expat diving deep into Dutch culture, understanding and obtaining the right travel insurance is key to enjoying your stay without any unwarranted stress. In this article, we aim to offer you an informative, clear, and reassuring guide to travel insurance in the Netherlands .

Key Takeaways

• Travel insurance in the Netherlands provides comprehensive protection against unexpected mishaps.
• A good travel insurance policy offers peace of mind, medical coverage, and protection against losses.
• It’s vital to be aware of policy exclusions, ensure full disclosure, and understand the claim process.
• Multiple resources, from comparison websites to expatriate communities, offer guidance on selecting the right policy.
• For a seamless experience, determine your needs, compare providers, and familiarize yourself with the claim process.

Understanding Travel Insurance in The Netherlands

At its core, travel insurance provides a safety net for unforeseen circumstances that might arise while you’re away from home. Whether it’s an unforeseen medical emergency, a canceled flight, or a stolen passport, having a comprehensive insurance plan can significantly alleviate the associated stress and financial strain.

The Netherlands, known for its well-structured systems and services, offers a range of insurance options tailored to suit the needs of both fleeting tourists and settling expats.

What is Travel Insurance?

Travel insurance is a type of insurance designed to cover the risks associated with traveling, be it domestically or internationally. This coverage can encompass a variety of situations, including medical emergencies, trip cancellations, lost baggage, or even accidents.

For travelers in the Netherlands, this insurance is especially handy given the myriad of activities and experiences the country offers, from biking through Amsterdam to boating in Giethoorn.

Tourists vs. Expats: The Distinct Needs

While the foundational principle of travel insurance remains consistent, there’s a clear distinction between the needs of short-term tourists and long-term expats:

• Short-term Tourist Insurance : This caters to those visiting the Netherlands for a brief period, be it for leisure, business, or even a short study program. It primarily focuses on emergencies, trip interruptions, and potential losses during the stay.
• Long-term Expat Insurance : Expats, or those planning to stay in the Netherlands for extended periods, require more comprehensive coverage. While they might initially rely on travel insurance, eventually, a transition to a more permanent insurance solution, which covers health and other aspects of living in the country, becomes essential.

Why Travel Insurance is Essential

The thrill of travel, the joy of discovering a new place, and the excitement of stepping out of one’s comfort zone can often eclipse the practicalities of journeying abroad. However, unexpected events don’t come with a warning, making it imperative to prepare for the unforeseen.

With this in mind, travel insurance emerges not as an optional luxury but as an indispensable part of any traveler’s toolkit. Here’s why:

Medical Emergencies Away from Home

Imagine requiring medical attention in an unfamiliar country. The Netherlands boasts an exemplary healthcare system, but without insurance, medical treatments can be significantly expensive, especially for non-residents. Travel insurance ensures that should you face any health issues, you’re not bogged down by medical bills or the logistics of care in a foreign land.

Lost or Stolen Personal Items

Amidst the hustle and bustle of travel—be it exploring the busy streets of Rotterdam or navigating the crowded trains to Maastricht—personal belongings like passports, luggage, or electronics can be misplaced or stolen. Travel insurance provides a reassuring safety net, covering replacement costs and assisting in handling such situations.

Trip Cancellations and Interruptions

Your eagerly anticipated trip to the Dutch windmills might be disrupted due to unforeseen circumstances, such as sudden illness, family emergencies, or even global events. With the right insurance policy, you can recover costs from canceled flights, hotel reservations, or tours, ensuring that an unexpected change in plans doesn’t lead to financial stress.

Peace of Mind

The Intangible Benefit Beyond the tangible coverage for health, belongings, and trips, travel insurance offers something invaluable: peace of mind. Knowing you’re safeguarded allows you to fully immerse yourself in the Dutch culture, be it trying local cuisines or biking through tulip fields, without the looming concern of “what if.”

Types of Travel Insurance Available in The Netherlands

Navigating the canals of the Netherlands is a delightful experience, but navigating its travel insurance options requires a little more attentiveness. Just as every traveler is unique, with their plans, priorities, and potential risks, the Dutch insurance market caters to these diverse needs with a range of policies tailored for different visitors. Let’s delve into the primary types of travel insurance available in this picturesque nation:

Short-term Travel Insurance (For tourists)

Primarily tailored for individuals or groups visiting the Netherlands for a brief span, be it for vacations, short-term work assignments, or transient educational programs.

Key Features :

• Duration : Usually covers trips ranging from a few days to several months.
• Coverage : Emphasizes emergencies, trip interruptions, lost baggage, and personal liability during the stay.
• Costs and Claims : Premiums can vary based on the duration and coverage specifics. The claim process is typically streamlined for rapid assistance given the short-term nature of the stay.

Long-term Travel Insurance (For expats and long-term visitors)

Ideal for those who have chosen the Netherlands as a temporary or permanent home. This encompasses expats, students, or professionals residing for extended durations.

• Different from Standard Health Insurance : While standard health insurance covers routine health needs, long-term travel insurance addresses unique concerns of living abroad, like repatriation or global health coverage for travels outside the Netherlands.
• Duration : Coverage can range from several months to multiple years and often comes with easy renewal options.
• Additional Coverage Options : Expats might consider add-ons like third-party liability, legal aid, or even specific coverage for particular sports and activities prevalent in the Netherlands.

Features to Look for in a Good Travel Insurance Policy

Embarking on a journey, whether it’s a brief vacation or a longer sojourn, requires meticulous planning. Among the essentials is ensuring that the travel insurance policy you choose stands robustly by your side, addressing potential concerns and uncertainties.

In the intricate web of insurance jargon and clauses, pinpointing what truly matters can seem daunting. Fortunately, we’re here to guide you through the pivotal features to prioritize when selecting a comprehensive travel insurance policy in the Netherlands:

1. Comprehensive Medical Coverage

Travel, as enriching as it is, can sometimes bring unexpected health challenges. It’s vital that your policy:

• Covers hospitalization, outpatient treatment, and ambulance costs.
• Provides support for emergencies, including dental emergencies.
• Offers repatriation assistance, ensuring you can return home if medically necessary.

2. Cancellation and Delay Benefits

As much as we plan, unforeseen circumstances can interrupt our schedules:

• Ensure your policy covers cancellations due to illnesses, family emergencies, or unforeseen events.
• Look for provisions that reimburse for missed connections or extended delays.

3. Personal Belongings and Baggage Protection

As you traverse through Dutch cities and landscapes:

• Opt for policies that cover lost, stolen, or damaged luggage and personal items.
• Check the maximum limit for claims, especially for high-value items like electronics or jewelry.

4. 24/7 Customer Support and Assistance

In times of distress or uncertainty:

• Ensure your insurance provider offers round-the-clock assistance in English.
• Prioritize policies that come with easy-to-reach helplines or digital platforms for immediate support.

5. Personal Liability Coverage

Accidents can happen, and sometimes they might involve others. A good policy should:

• Cover you in case you unintentionally harm someone or damage their property.
• Provide legal assistance if necessary.

6. Flexibility and Customization Options

As diverse as travelers are, insurance policies should adapt:

• Look for options that allow you to adjust coverage, such as adding specific sports or activity protection.
• Ensure there’s a straightforward process for extending the policy if your stay gets prolonged.

Potential Pitfalls and Things to Avoid

While the tranquil tulip fields and serene canals of the Netherlands paint a picture of flawless beauty, the realm of travel insurance, like any other domain, isn’t without its potential pitfalls. As you seek to protect yourself from unexpected travel hiccups, it’s equally important to be aware of the common oversights and mistakes when choosing and using your travel insurance.

Let’s delve into the areas of caution, ensuring your Dutch journey remains as smooth as a calm canal on a sunny day:

1. Overlooking Policy Exclusions

Every policy comes with its set of exclusions or situations it doesn’t cover.

Always read the fine print to understand what’s not included. Common exclusions might encompass certain sports, pre-existing medical conditions, or specific types of losses.

2. Neglecting to Declare Pre-existing Medical Conditions

Many travelers, in their eagerness to secure a policy swiftly, might forget or decide against declaring existing health issues.

Failing to disclose these can lead to complications during claims or even policy invalidation.

3. Underestimating the Value of Personal Belongings

While estimating the value of your belongings:

Avoid downplaying their worth to get a lower premium. If items get lost or stolen, an undervalued policy might not offer adequate compensation.

4. Ignoring the Duration and Renewal Clauses

Especially for long-term travelers or expats:

Ensure you’re clear about the policy’s expiration and the process for extensions or renewals. Unexpectedly finding yourself without coverage is a risk not worth taking.

5. Choosing Solely Based on Price

While cost is undeniably a factor:

Don’t compromise essential coverage for a marginally cheaper policy. It’s the comprehensive protection and peace of mind that truly offer value.

6. Failing to Retain Essential Documentation

Should you need to make a claim:

Always maintain documentation like medical receipts, police reports, or purchase proofs. Lack of evidence can complicate, delay, or even negate your claim.

7. Not Reviewing the Claim Process

Before finalizing any policy:

Understand the claim procedure, required documentation, and the average processing time. This prepares you for a swift and efficient claim, should the need arise.

Pros and Cons of Getting Travel Insurance in The Netherlands

The decision to secure travel insurance, particularly when navigating the options in a country as sophisticated as the Netherlands, is a blend of understanding benefits and being aware of limitations.

Whether you’re a passionate traveler aiming to explore every Dutch nook and cranny or an expat setting the foundation for a new chapter, let’s weigh the pros and cons of getting travel insurance in the Netherlands:

Comprehensive Medical Coverage : The Netherlands boasts one of the best healthcare systems in the world. With travel insurance, you can access top-notch medical care without incurring hefty out-of-pocket expenses.

Peace of Mind : This intangible benefit is priceless. Whether you’re cycling through Amsterdam’s bustling streets or attending a business meeting in Rotterdam, knowing you’re protected from unforeseen circumstances lets you focus on the experience.

Protection Against Losses : From lost luggage during transit to stolen gadgets while exploring, insurance ensures you’re not financially burdened by such misadventures.

Assistance in Unfamiliar Terrain : Navigating emergencies in a foreign country, especially if you’re unfamiliar with Dutch, can be challenging. Insurance often comes with 24/7 assistance, guiding you through crises with ease.

Coverage for Trip Interruptions : Life is unpredictable. If your journey faces unexpected halts or cancellations, insurance can help recover costs and rearrange plans, ensuring minimal disruption.

Additional Cost : While travel insurance offers numerous benefits, it does come at a price. Budget travelers might view it as an extra expense, albeit a highly recommended one.

Possible Overlaps with Existing Coverage : Some travelers might already possess certain coverage through credit cards or other insurance policies, leading to unnecessary overlaps if not carefully checked.

Navigating Policy Clauses : Understanding the nuances, exclusions, and conditions can be cumbersome, requiring careful reading and sometimes additional guidance.

Potential Claim Challenges : While many claims are straightforward, there can be instances where disagreements arise over coverage specifics, leading to delays or disputes.

Steps to Purchase Travel Insurance in The Netherlands

Purchasing travel insurance in the Netherlands, with its efficient and streamlined services, can be a straightforward endeavor. However, ensuring you get the best policy tailored to your needs requires a methodical approach.

Here’s a step-by-step guide to simplify the process, ensuring you’re well-armed to face any adventure or challenge that comes your way:

1. Determine Your Needs

Before diving into the myriad of options:

Reflect on the nature of your trip: Are you vacationing, working, or studying?

Estimate the duration of your stay. List down specific needs like sports coverage, special medical conditions, or high-value item insurance.

2. Research and Compare Providers

The Netherlands offers a plethora of insurance providers, both local and international:

Browse through their offerings online, utilizing comparison websites if available. Look for reviews and testimonials to gauge customer satisfaction.

3. Seek Clarity on Coverage

Once you shortlist potential policies:

Ensure you understand all inclusions and exclusions. Inquire about any ambiguous terms or conditions.

4. Evaluate Costs and Benefits

While it might be tempting to go for the cheapest option:

Weigh the benefits against the costs. A slightly pricier policy might offer significantly more comprehensive protection.

5. Check for English Support

Given your target audience:

Opt for providers that offer support in English, especially for 24/7 emergency assistance.

6. Finalize and Purchase

With your chosen policy in hand:

Complete the application, ensuring all provided information is accurate to prevent future claim complications.

Pay the premium. Most Dutch providers will offer various payment options, including credit cards or bank transfers.

7. Review and Store Your Policy Safely

Upon receiving your policy:

Review all terms once more, ensuring they align with what was discussed. Store the policy in a safe place, both digitally and a printed copy. Ensure it’s accessible throughout your trip.

8. Familiarize Yourself with the Claim Process

Before you commence your Dutch journey:

Understand the steps, documentation, and time frames for filing a claim. Keep essential contact numbers or apps handy, ensuring you can quickly reach out if necessary.

Embarking on a journey, especially in a nation as enchanting as the Netherlands, is about weaving memories and broadening horizons. But the tapestry of these experiences is best adorned when you have the assurance and confidence of a robust travel insurance policy backing you. By following these steps, you can ensure that your Dutch adventure is not just memorable but also secure. Safe travels!

Additional Resources

A pivotal institution in the Dutch insurance sector, this association provides:

• Comprehensive insights into the insurance landscape.
• Updates on regulations and best practices.
• A directory of its member insurers.

For those keen on understanding health coverages:

• This official entity offers detailed insights into health-related insurance and regulations.

Platforms and communities for expats living in the Netherlands can be gold mines of information:

• Websites like IamExpat or Expatica often discuss insurance topics tailored to foreigners’ needs.

ABOUT Peter

Where to Buy a Laptop in The Netherlands: Top Online Shops 2024

Dutch Holidays 2024: A Guide for Foreigners

Leave a Comment Cancel reply

Save my name, email, and website in this browser for the next time I comment.

How Can Our Netherlands Expert Team Assist You Today?

NetherlandsExpat.nl 609/205 Charoen Rat Rd Chiang Mai, TH

+ 45 65742003

Contact us Disclaimer Cookies Impressum

© 2024 NetherlandsExpat

Travel insurance the Netherlands

Travel insurance can give you peace of mind when you're traveling. It will cover you when your trip is canceled or interrupted, when you have a medical emergency, lost your baggage and some countries even require it. Even your trips inside the Netherlands will be covered.

We explore in this section

Why should i get travel insurance.

Travel insurance can give you peace of mind when you're traveling. We list some of the examples where having a Travel insurance can help you out. 

Trip Cancellation or Interruption Your travel plans can change due to various reasons, illness, a family member has an emergency or work needs you to stay. When you have Travel insurance you can reimburse for non-refundable expenses if you need to cancel or interrupt your trip.

Medical Emergencies When you have health issues when you're away from home, and medical care in a foreign country can be expensive. Travel insurance covers those medical expenses, including hospital stays, medications, and emergency medical evacuation.

Lost or Delayed Baggage Travel insurance can provide coverage for lost, stolen, or damaged baggage. It may also offer compensation for essential items in case your baggage is delayed.

Trip Delay If your trip is delayed due to covered reasons (for example weather or airline strikes), travel insurance can provide reimbursement for additional expenses like accommodation, meals, and transportation.

Travel Assistance Services Many travel insurance plans offer 24/7 assistance services. This can include help with medical emergencies, travel arrangements, language translation, and more.

Emergency Evacuation   In the event of a natural disaster, political unrest, or other emergencies, travel insurance can cover the costs of evacuating you to a place of safety.

Personal Liability Coverage If you accidentally cause injury to someone or damage their property while traveling, travel insurance can provide coverage for legal expenses and damages.

Specialized Coverage Depending on the type of policy, you may also get coverage for specific activities such as adventure sports, rental car damage, or pre-existing medical conditions.

Requirements for Certain Destinations Some countries may require visitors to have travel insurance as a condition of entry. Having the necessary coverage can save you from potential complications during immigration. Check your destination to be sure. 

What is better? Short-term or annual travel insurance?

Choosing between short-term and annual travel insurance depends on your travel habits and frequency. Some factors to consider: Frequency of Travel If you travel frequently throughout the year, an annual travel insurance policy might be more cost-effective. It provides coverage for multiple trips within a 12-month period, which can save you money compared to buying separate short-term policies for each trip. Compare prices but generally when you have two or more trips a year you are better off taking an annual travel insurance.  Flexibility Short-term policies offer flexibility in terms of coverage and duration, allowing you to tailor the insurance to the specific requirements of each trip. Annual policies may have some limitations on trip duration for each individual trip.

Medical Coverage Check the medical coverage provided by each type of policy. If you have health concerns or anticipate needing medical coverage, make sure the policy you choose provides sufficient and suitable coverage for your needs.

Destination and Activities Consider the destinations you plan to visit and the activities you intend to engage in. Some policies may have restrictions or limitations based on the location and types of activities.

Like always when you choose an insurance, carefully read the terms and conditions of each policy, compare coverage, and assess your travel patterns. If in doubt, consider consulting with an insurance advisor to help you choose the most appropriate option for your specific situation.

What is covered by Travel insurance?

This can vary depending the insurer. But regardless of which travel insurance policy you take out, your cover will always include:

• Loss or theft of luggage
• Assistance in the event of an accident, sickness, hospitalisation or death
• Earlier return journey due to illness or accident
• Extended stay as a result of a natural disaster or strike

Univé’s Travel insurance for Expats

Embark on worry-free adventures as an expat with Univé's Travel Insurance. Life's uncertainties may be as diverse as the paths you tread, but your travels deserve reliable protection.

Whether it's the automatic termination of coverage post-trip or the added benefit of free insurance for children under 4, Univé understands the unique needs of expats like you.

Univé offers both short-term and annual travel insurance. Protect yourself against unexpected events with our basic protection or customize your coverage with extras like roadside assistance and accident payment.

Univé's travel insurance  is your worry-free companion, allowing you to navigate life's twists with ease. Travel confidently and securely—choose Univé and redefine your travel experience.

Recommended insurers

Univé is a cooperative insurance company in the Netherlands. Univé presents itself as a nonprofit insurer, to express that making profit is not important and therefore has cheaper products.

InShared was founded in 2009 as an online insurer and became one of the most successful insurers in the online market. The go-to market strategy of online differs a lot from the traditional channels, and within this InShared made some clear choices.

ABN AMRO Bank N.V. is the third-largest bank in the Netherlands. They also have highly rated insurances and mortgages. If you already have an bank account with them, this is the easiest option to get Travel Insurance . For  long and  short term. Check the website for more information.

Centraal Beheer

Centraal Beheer is one of the biggest insurance companies in the Netherlands with insurances for travel, home, car, your bike and much more.

The Tech Edvocate

• Advertisement
• Home Page Five (No Sidebar)
• Home Page Four
• Home Page Three
• Home Page Two
• Icons [No Sidebar]
• Left Sidbear Page
• Lynch Educational Consulting
• My Speaking Page
• Newsletter Sign Up Confirmation
• Newsletter Unsubscription
• Page Example
• Privacy Policy
• Protected Content
• Request a Product Review
• Shortcodes Examples
• Terms and Conditions
• The Edvocate
• The Tech Edvocate Product Guide
• Write For Us
• Dr. Lynch’s Personal Website
• The Edvocate Podcast
• Assistive Technology
• Child Development Tech
• Early Childhood & K-12 EdTech
• EdTech Futures
• EdTech News
• EdTech Policy & Reform
• EdTech Startups & Businesses
• Higher Education EdTech
• Online Learning & eLearning
• Parent & Family Tech
• Personalized Learning
• Product Reviews
• Tech Edvocate Awards
• School Ratings

8 Ways to Service an Air Conditioner

3 ways to stop a baby from vomiting, 3 ways to save instagram highlights, skills needed for reading comprehension: everything you need to know, how to change the language in android, 3 ways to permanently delete facebook messages, how to tie the sides of a shirt: 8 simple steps, phonics rules: everything you need to know, how to fill a flask: 8 steps, 3 ways to treat skin disease in hamsters, best travel insurance for the netherlands: 10 top plans.

The Netherlands, with its charming windmills, picturesque canals, and fields of colorful tulips, is a top destination for travelers from around the world. Whether you’re visiting to explore historic cities like Amsterdam and Utrecht, to take in the art and culture, or simply to bike through the serene countryside, it’s important to ensure that your trip is worry-free. Travel insurance can be a traveler’s best friend, offering protection against unexpected events such as trip cancellations, medical emergencies, or lost baggage. Here are ten top travel insurance plans that can help make your Netherlands adventure as carefree as possible:

1.World Nomads – Known for their comprehensive coverage, World Nomads offers travel insurance that caters to adventurous travelers. This includes cover for a wide range of activities which might appeal if you plan on cycling or participating in other sports while in the Netherlands.

2.IMG Global – IMG’s Patriot Travel Medical Insurance provides excellent options for those seeking flexibility. They offer both short-term and long-term coverage perfect for tourists and expats alike.

3.Allianz Travel Insurance – Allianz has various plans that can suit any type of traveler. With features like trip interruption coverage and emergency medical benefits, they are a popular choice among international visitors.

4.Travelex Insurance Services – Their Travel Select Plan offers customizable packages which include additional options for adventure sports coverage – ideal if you’re planning an active Dutch holiday.

5.AXA Assistance USA – AXA offers the Silver, Gold and Platinum plans with varying degrees of protection so you can choose what suits your travel needs best when heading to the Netherlands.

6.Travel Guard by AIG – Travel Guard offers a range of plans with different levels of coverage including comprehensive travel insurance, which is perfect for peace of mind during your Dutch sojourn.

7.Seven Corners – They have a variety of options that cater specifically to international travelers including students, which could be ideal if studying abroad in the Netherlands.

8.Generali Global Assistance – Formerly CSA Travel Protection, Generali’s Premium plan comes highly recommended with its extensive coverage that manages to balance cost with benefits effectively.

9.HTH Worldwide Travel Insurance – Offers superior medical coverage which may be a priority when traveling through the Dutch healthcare system.

10.SafetyWing – An affordable option designed for digital nomads and frequent travelers offering health insurance along with travel benefits on a subscription-like basis.

Regardless of which plan you choose, make sure it fits your specific needs for your trip to the Netherlands. Always read the fine-print regarding what is covered—especially concerning pre-existing conditions and activity exclusions—to ensure you’re fully protected on your journey.

We Found The Best Gifts For Tea ...

The best rpg of 2024: a journey ....

Matthew Lynch

Related articles more from author.

14 Best Places to Stay in Maastricht, Netherlands

The Best Small Towns to Celebrate Fall

Cozy travel ideas: 13 best national parks to visit in the fall

How to Enjoy the Best of Everything That Lake Tahoe Has to Offer

14 Best Small Towns To Visit In Georgia

Best in Travel 2024: dove viaggeremo l’anno prossimo secondo Lonely Planet (a partire dalla Mongolia)

• Private Banking
• Internet Banking
• NL Nederlands

U bent succesvol uitgelogd.

Travel insurance

Check what you need for a care-free trip, annual travel insurance, short-term travel insurance, cancellation insurance, well insured while travelling.

Great that you have a trip coming up! We will be pleased to help you arrange travel insurance that suits your situation. Whether you go camping in the Netherlands or fly to Canada for a extended trip. Having good insurance gives you a bit more peace of mind. And with travel insurance from ABN AMRO, you can count on 24/7 emergency assistance.

Our annual travel insurance has been rated 5 stars by Moneyview this year. This makes us one of the top 3 insurers, thanks to our excellent price.

Carefree holidays with....

• Travel well insured all year round
• Choose your desired cover
• Change your cover at any time
• Good cover for a single holiday
• Medical expenses insured as standard
• Children up to 5 years insured for free
• Total travel sum refunded in case of cancellation
• Compensation for delays

Additional cover for travel insurances

• Cancellation fees
• Medical expenses
• Winter sports
• Breakdown assistance in Europe
• Extended cover period
• Business trips

Cover for medical expenses is insured as standard with short-term travel insurance.

Bad luck during your holiday

Naturally, you would prefer to go on holiday without worries. Still, you may fall ill during your holiday, have your flight cancelled or your belongings may be damaged. We will be happy to help you if this happens. See what we can do for you in such situations.

Useful information

Credit card.

Taking a credit card with you when travelling is always handy. For example, if you want to rent a car.

Package discount

If you take out three or more policies, you will receive a 3 to 5% package discount.

Stand-By service

You can block all your cards, credit cards and SIM card with a single phone call.

Frequently asked questions about travel insurance

With annual travel insurance , you are well insured throughout the year. You can go on holiday as often as you like. With short-term travel insurance , you are only insured for a single trip. If you go on holiday more than twice a year, an annual travel insurance policy will usually cost you less.

First of all, you are insured against theft and damage to your belongings during your trip. Even more importantly, you will get financial assistance in unexpected situations. Such as if you fall ill during your trip and cannot return home on the scheduled date. Or maybe you get injured and need special transport back to the Netherlands. The chances of this happening are of course low, but the financial costs involved are huge. Much better if you don't have to pay for it all yourself.

The cover varies depending on the insurance policy you take out. You have the option to choose short-term or annual travel insurance. Regardless of which travel insurance policy you take out, your cover includes: 

• Loss or theft of luggage
• Assistance in the event of an accident, sickness, hospitalisation or death 
• Earlier return journey due to illness or accident 
• Extended stay as a result of a natural disaster, strike or industrial action 
• Damaged or lost tent

Travel insurance is not compulsory, so why is it one of the most popular insurances in the Netherlands? Nobody refuses to take a holiday, but anything can happen. For example, you may fall ill unexpectedly or lose your luggage. Travel insurance can then prevent many financial problems. So you can enjoy your holiday with peace of mind.

Other useful info

• Take out annual travel insurance
• Take out short-term travel insurance
• Take out cancellation insurance
• View insurance
• Changing your insurance
• Insurance check
• Reporting damage
• Cancel insurance

• Best Extended Auto Warranty
• Best Used Car Warranty
• Best Car Warranty Companies
• CarShield Reviews
• Best Auto Loan Rates
• Average Auto Loan Interest Rates
• Best Auto Refinance Rates
• Bad Credit Auto Loans
• Best Auto Shipping Companies
• How To Ship a Car
• Car Shipping Cost Calculator
• Montway Auto Transport Reviews
• Best Car Buying Apps
• Best Websites To Sell Your Car Online
• CarMax Review
• Carvana Reviews
• Best LLC Service
• Best Registered Agent Service
• Best Trademark Service
• Best Online Legal Services
• Best CRMs for Small Business
• Best CRM Software
• Best CRM for Real Estate
• Best Marketing CRM
• Best CRM for Sales
• Best Payroll Services
• Best HR Software
• Best HR Outsourcing Services
• Best HRIS Software
• Best Performance Management Software
• Best Personal Loans
• Best Fast Personal Loans
• Best Debt Consolidation Loans
• Best Personal Loans for Bad Credit
• Best Home Equity Loan Rates
• Best Home Equity Loans
• What Is a HELOC?
• HELOC vs. Home Equity Loan
• Best Free Checking Accounts
• Best High-Yield Savings Accounts
• Bank Account Bonuses
• Checking Accounts
• Savings Accounts
• Money Market Accounts
• Best CD Rates
• Citibank CD Rates
• Synchrony Bank CD Rates
• Chase CD Rates
• Capital One CD Rates
• Best Hearing Aids
• Best OTC Hearing Aids
• Most Affordable Hearing Aids
• Eargo Hearing Aids Review
• Best Medical Alert Systems
• Best Medical Alert Watches
• Best Medical Alert Necklaces
• Are Medical Alert Systems Covered by Insurance?
• Best Online Therapy
• Best Online Therapy Platforms That Take Insurance
• Best Online Psychiatrist Platforms
• BetterHelp Review
• Best Mattress
• Best Mattress for Side Sleepers
• Best Mattress for Back Pain
• Best Adjustable Beds
• Best Home Warranty Companies
• American Home Shield Review
• First American Home Warranty Review
• Best Home Appliance Insurance
• Best Moving Companies
• Best Interstate Moving Companies
• Best Long-Distance Moving Companies
• Cheap Moving Companies
• Best Window Replacement Companies
• Best Gutter Guards
• Gutter Installation Costs
• Best Window Brands
• Best Solar Companies
• Best Solar Panels
• How Much Do Solar Panels Cost?
• Solar Calculator
• Best Car Insurance Companies
• Cheapest Car Insurance Companies
• Best Car Insurance for New Drivers
• Same-day Car Insurance
• Best Pet Insurance
• Pet Insurance Cost
• Cheapest Pet Insurance
• Pet Wellness Plans
• Best Life Insurance
• Best Term Life Insurance
• Best Whole Life Insurance
• Term vs. Whole Life Insurance
• Best Travel Insurance Companies
• Best Homeowners Insurance Companies
• Best Renters Insurance Companies
• Best Motorcycle Insurance

Partner content:  This content was created by a business partner of Dow Jones, independent of the MarketWatch newsroom. Links in this article may result in us earning a commission.  Learn More

Travel Insurance for a Trip to The Netherlands (2024)

Travel insurance for the Netherlands will cover unexpected costs incurred from trip delays, interruptions, cancellations and more.

in under 2 minutes

Tom Adams is a writer based in the U.K. who specializes in travel advice. Previously, he has written for sports brands, travel blogs and even an archaeological study. Outside of work, Tom enjoys reading, trying new restaurants and taking his rescue dog for long walks in the park.

Tori Addison is an editor who has worked in the digital marketing industry for over five years. Her experience includes communications and marketing work in the nonprofit, governmental and academic sectors. A journalist by trade, she started her career covering politics and news in New York’s Hudson Valley. Her work included coverage of local and state budgets, federal financial regulations and health care legislation.

The Netherlands is a wonderful place to travel on vacation. It’s a cultural hub for art and history, making it a prime destination for travelers.

The Netherlands also enjoys a low crime rate and a reputation for safety, so you might wonder why you would want to purchase travel insurance for a trip here. But no trip is immune from travel delays or unforeseen cancellations. And with the expense of flights and the cost of accommodations and tours in the Netherlands, having the best travel insurance is a smart way to protect your vacation.

Do I Need Travel Insurance for the Netherlands?

The Netherlands is part of Europe’s Schengen area, formed after an agreement between countries in the European Union that allow people to move freely from country to country without passport checks at mutual borders. Some travelers must have a Schengen visa to enter Schengen countries, and they must prove that they have insurance. U.S. citizens don’t need a Schengen visa for a short-term stay (less than 90 days), and there are no travel insurance requirements for short-term visits.

Check the Dutch consular website to see what specific visa requirements apply to you. Travel insurance is mandatory if you have a Schengen visa.

But even if you aren’t required to have travel insurance, you should consider it when you take a trip there. International travel always has its quirks, whether from flight cancellations, baggage delays or an unforeseen emergency.

Having sound personal effects coverage and quality medical coverage for any trip are good moves. You may also want cancellation and interruption coverage to protect from losing money should you need to cancel your trip.

Compare Netherlands Travel Insurance Companies

Use the table below to compare costs, CFAR coverages and COVID-19 coverages for our top travel insurance companies that will cover trip to the Netherlands.

Why Trust MarketWatch Guides

Our editorial team follows a comprehensive methodology for rating and reviewing travel insurance companies. Advertisers have no effect on our rankings.

Companies Reviewed

Quotes Collected

Rating Factors

What Kind of Travel Insurance Is Needed for a Trip to The Netherlands?

The sections below provide an overview of the different types of coverage available in travel insurance policies.

Cancel for Any Reason Coverage 

Cancel for Any Reason (CFAR) coverage is an add-on feature offered by many travel insurance companies. This insurance rider lets you cancel your trip for any reason, even if it’s not included in the standard trip cancellation reasons.

While CFAR coverage offers peace of mind should you need to postpone or reschedule your vacation, it typically comes with specific requirements and limitations. These vary by insurance provider, but limitations usually include:

• That you need to cancel your trip within a certain time frame of your first trip deposit, typically 14-21 days
• That you may not be eligible for CFAR insurance based on your country or state of residence
• That CFAR may only cover a percentage of your insured trip cost rather than the full amount

If you’re interested in buying cancel for any reason coverage, check with your provider about specific requirements.

Gear Theft Protection

Gear theft protection insurance protects you against the theft or loss of valuable gear, equipment or tools. It’s relevant for travelers who take expensive equipment on trips: high-end cameras, sporting gear, laptops, etc.

Gear theft protection insurance typically covers the cost of replacing or repairing your gear if it gets stolen, lost or damaged. Specific coverage and terms vary by policy and provider. It’s important to review the fine print of the rider before buying it.

Medical Emergency Insurance and Emergency Medical Evacuation

Medical emergency insurance covers medical expenses that you incur while on a trip. Medical care in the Netherlands can be expensive, so we recommend travel health insurance with a high medical maximum.

Travel medical insurance covers:

• Emergency medical treatment
• Hospitalization
• Medical transportation and repatriation to your home country
• Prescriptions
• Interruptions resulting from illness or injury

Travel health insurance won’t cover costs associated with pre-existing conditions. If you have a health condition that you may need treatment for while traveling, declare the condition to your provider ahead of time. The company may include your condition(s) in your travel insurance plan, although the price of the add-on is likely to rise.

Rental Car Protection

You can also add rental car protection to your travel insurance policy. It supplies financial protection for vehicles you rent during your trip, usually at a lower price than what you can get from your rental agency. It reimburses costs related to damage or theft associated with a rental car. Many travel insurance companies have rental car protection as an optional add-on to your policy.

Rental car protection within travel insurance typically offers coverage for the following:

• Collision Damage Waiver (CDW) or Loss Damage Waiver (LDW): This reimburses you for the cost of repairs or the replacement value of a rental car if it gets damaged or stolen. It includes coverage for accidents, vandalism, theft and other unforeseen events that damage the vehicle.
• Personal Effects Coverage: Some rental car protection policies also cover the loss or theft of personal belongings that are inside the rental car. It typically has certain limits and may exclude high-value items such as electronics or jewelry.

Trip Cancellation Insurance

Trip cancellation insurance allows you to claim back any nonrefundable deposits made for your trip should you need to cancel your plans. Usually, you get reimbursed for 100% of your insured trip cost.

Cancellation coverage is subject to certain terms and conditions. Unlike CFAR, cancellation insurance will only reimburse you for unforeseen incidents that are covered in your insurance policy. These include:

• Death of a loved one or travel companion
• Military or jury service
• Adverse weather and natural disasters
• The traveler is made redundant and can no longer afford their trip

How Much Does Netherlands Travel Insurance Cost?

The cost of travel insurance can vary greatly between providers, as they will offer different levels of coverage. The below table compares the prices of the cheapest travel insurance plans available from five insurance companies.

These quotes are based on a 30-year-old solo traveler from California going to the Netherlands for one week. The trip costs $2,000.

Quotes pulled on June 6, 2023.

Most plans cost about the same. USI Affinity’s Basic policy costs significantly more than others. This plan offers $150,000 in medical coverage (not the highest maximum), as World Trips’ Basic policy offers up to $260,000.

All of the above plans include 100% cancellation coverage. Tin Leg, Seven Corners and USI Affinity have $500 in coverage for baggage loss/damage. Nationwide provides $600, and World Trips offers up to $1,000. Either may be more suitable for travelers taking expensive equipment.

Seven Corners provides CFAR as optional coverage, but the other plans don’t include it unless the policy is upgraded. Tin Leg and Seven Corners also include COVID-19 in their medical coverage. If this is a concern for you, these plans are recommended.

How Do I Get Travel Insurance for the Netherlands?

A good place to start shopping for travel insurance is to ask your bank or credit card provider if they offer coverage. You may already be entitled to extra benefits through either entity.

Also, compare quotes from multiple insurance providers. Most have more than one policy available. Some insurance companies may offer cheaper insurance plans , but these will likely have fewer benefits.

When purchasing travel insurance, always check with your insurance company for details about claim procedures, exclusions, and additional benefits.

Netherlands Safety Tips

The Netherlands remains one of the safest travel destinations on the globe, ranking 20th on the 2022 Global Peace Index. However, travel advisories highlight some dangers related to terror attacks, which have increased across some European countries. Google for more updated information about incidents, any attacks or violence that could impact your trip.

Crime and Safety

Travelers are unlikely to encounter petty crimes while visiting cities like Rotterdam or the Hague. Pickpockets are uncommon but remain cautious and keep any valuables you take in a secure location, like a hotel safe.

Amsterdam is known for its “coffee shops,” not to be confused with regular cafes because they’re licensed to sell cannabis. Even though it’s legal, marijuana regulations remain strict in Holland and other provinces. Cities closer to bordering countries like Belgium have already introduced legislation that prevents store owners from selling cannabis to non-residents.

If you plan to partake, only consume it in licensed venues.

Day Trips, Tours and Excursions 

The Netherlands offers travelers a range of activities to fill up an itinerary. From seeing tulips in April to exploring the iconic Dutch windmills, there are many sights to see.

If you want to check out the famous Anne Frank and Van Gogh museums, book in advance: wait times can be long. If you plan to visit multiple museums, consider purchasing the Museumkaart. For just 60 euros, you can enter more than 400 museums across the country and not have to pay admission, although booking fees may still apply.

The Netherlands is known for its cycling, and many cities and towns have dedicated cycling paths. Cyclists have the right of way, so pay attention when crossing roads or paths to avoid any accidents. If you are planning a cycling trip, wear a helmet and don’t ride recklessly.

The Dutch government lifted all restrictions related to COVID-19 for visitors entering the country. Travelers don’t need to provide proof of vaccination or a negative PCR test when they arrive. If you have concerns about COVID-19, be sure that your travel insurance plan includes coronavirus in your medical coverage. More information about COVID-19 can be found on the U.S. consulate website .

Is Travel Insurance for a Trip to the Netherlands Worth It?

If you’re going on vacation to the Netherlands, we highly recommend travel insurance . Having a good travel insurance plan protects you from paying medical costs or replacing your belongings out of pocket.

Although the risks of traveling in the Netherlands are minimal, interruptions and travel delays are impossible to predict. Having quality travel insurance provides a safety net should you need it.

For more information about what Netherlands travel insurance covers, read through the FAQs below.

Frequently Asked Questions About Travel Insurance in the Netherlands

Can i claim compensation if my flight is canceled.

You can claim compensation on your travel insurance for any canceled or delayed travel arrangements, such as flights or hotels. Find details of the claim procedure and the amounts available to you in your insurance policy.

Read more here about how to claim travel compensation .

Do I need Schengen travel insurance?

Travelers that require a Schengen visa also must have travel insurance. This is dependent on your country of residence. Further details about Schengen visas and travel insurance can be found here .

Is healthcare in the Netherlands free?

Medical care in the Netherlands is not free. If you need treatment or a prescription while on vacation, you must pay the full cost. Healthcare can be expensive, so having good medical coverage in your insurance plan is recommended.

Will my health insurance cover me in the Netherlands?

Health insurance usually covers medical costs in your country of residence. Some providers may extend coverage to include trips abroad, but this is not always the case. Check with your health insurance company about whether you need to buy additional coverage that encompasses your destination.

Methodology: Our System for Ranking The Best Travel Insurance Companies

• A 30-year-old couple taking a $5,000 vacation to Mexico.
• A family of four taking an $8,000 vacation to Mexico.
• A 65-year-old couple taking a $7,000 vacation to the United Kingdom.
• A 30-year-old couple taking a $7,000 trip to the United Kingdom.
• A 19-year-old taking a $2,000 trip to France.
• A 27-year-old couple taking a $1,200 trip to Greece.
• A 51-year-old couple taking a $2,000 trip to Spain.
• Plan availability (10%): We look for insurers with a variety of travel insurance plans and the ability to customize a policy with coverage upgrades.
• Coverage details (29%): We review the baseline coverage each company offers in its cheapest comprehensive plan. A provider with robust coverage earns full points, including baggage delay and loss, COVID-19 coverage, emergency evacuation and medical coverage, trip delay and cancellation coverage, and more. Companies also receive points for offering a variety of policy add-ons like accidental death and dismemberment, extreme sports, valuable items, cancel for any reason coverage and more.
• Coverage times and amounts (34%): We compare each company’s waiting periods and maximum reimbursement amounts for baggage, travel and weather delays. Companies that offer customers reimbursement after fewer than 12 hours of delays earn full points in this category. We also reward travel insurance providers that cover more than 100% of trip costs in the event of cancellations or interruptions.
• Company service and reviews (17%): We look for indicators that a company is well-prepared to respond to customer needs. Companies with an established global resource network, 24/7 emergency hotline, mobile app, multiple ways to file a claim and concierge services score higher in this category. We assess reputation by evaluating consumer reviews, third-party financial strength and customer experience ratings, specifically from AM Best and the Better Business Bureau (BBB).

For more information, read our full travel insurance methodology.

A.M. Best Disclaimer

• Search How can we help you? Search

What kind of insurance do I need when applying for a visa for the Netherlands?

When you apply for a Schengen visa for the Netherlands you must have health insurance or travel insurance that covers any medical expenses you may incur while in the Schengen area. Find out what the insurance requirements are.

Insurance requirements 

When you apply for a Schengen visa you must show proof of insurance, such as the first page of your insurance policy (policy schedule). The document must show that:

• you are covered by the policy
• the insurance provides cover in all the countries of the Schengen area for the entire duration of your stay
• hospital admission and treatment 
• emergency treatment 
• prescription medicine
• repatriation to your country of residence (including in the event of death).

If you already have health insurance or travel insurance that covers medical expenses, check whether it meets these requirements. Also check whether your policy schedule includes the required information before you apply for a Schengen visa.

If your insurer cannot issue proof of insurance bearing your name and containing the other required information, take out insurance with another insurer. 

Taking out insurance

If you don’t have travel medical insurance or your policy doesn’t meet the requirements, you can find an insurer online by searching for ‘Schengen visa health insurance’. 

If there is no insurer that offers Schengen visa insurance in your country of residence, you can take out insurance in another country. If you have a sponsor in the Netherlands, you can ask them to take out insurance for you in the Netherlands. 

Some insurers will refund all or part of your insurance premium to you if your visa application is denied.

Bring proof of insurance with you 

When travelling to the Netherlands on a Schengen visa, you must be able to show proof that your insurance is valid for the entire duration of your stay in the Schengen area. 

If you have a multiple-entry visa and it is not your first trip to the Schengen area on this visa, you must be able to show proof of insurance for every subsequent stay in the Schengen area. 

If you have any questions, please do not hesitate to contact us .

• Skip to content
• Skip to footer

Schengenvisa.info

February 22 2023 by Editorial office

Travel insurance for a visit to the Netherlands

Are you traveling to the Netherlands? Then remember that there are conditions that you must meet

Travel insurance visit to the Netherlands

Take out Allianz Travel Risk Insurance for your foreign guest now!

✔︎ Meets all requirements for a Schengen visa.

✔︎ Medical costs covered up to € 30.000 Repatriation: all necessary costs.

✔︎ You can change the policy free of charge in the meantime.

✔︎ VISA GUARANTEE: You don't pay anything if your visa is rejected.

✔︎ The certainty of the largest travel insurer in the world: Allianz Global Assistance.

Premium from € 2 per day

A medical travel insurance for a visit to the Netherlands for non-Dutch residents is mandatory for both travelers requiring a visa and non-visa-requiring foreign travelers.

If you travel to the Netherlands for a holiday or family visit, remember that conditions apply and that the Royal Netherlands Marechaussee at Schiphol or at the external borders also checks this. If you do not comply with this, access to a foreign traveller are being refused. For example, you are obliged to be insured for at least € 30.000 against medical costs and repatriation. In addition, your guest must be able to demonstrate that he has sufficient money (that is € 55 per day). If this does not work, you can ask someone to act as guarantor.

Conditions for visa-free travel to the Netherlands

If a foreign traveler has a nationality that allows him or her to travel visa-free The Netherlands is allowed to travel, this is not a guarantee that this person will be admitted to Dutch territory. A number of conditions apply:

• You have a passport or other travel document that is not older than 10 years.
• Your passport or travel document is valid for 3 months after departure.
• You can prove that you can pay for the entire stay (this is € 55 per day). If this does not work, you can ask someone to act as guarantor.
• You can demonstrate the purpose of your stay at the border control (family visit, partner visit, tourism, business trip, etc.).
• You can demonstrate that you have travel medical insurance with sufficient coverage.
• You have a ticket for the return journey or onward journey.
• You are not a threat to public order, national security or international relations.

Medical travel insurance for a visit to the Netherlands

Is a family member coming over from Canada? Or are friends from France coming over for a long weekend? There is the Travel Risk Insurance especially for foreign friends and/or relatives (up to the age of 70). Your guests are insured for medical costs, hospitalization, death and repatriation from as little as two euros per day.

Who is this travel insurance for?

Suppose you have family living in Suriname and you want them to come over to the Netherlands. Or an aunt from Turkey. Perhaps an old friend who lives abroad. But also a Dutch pensionado who has emigrated and is visiting the Netherlands. In all situations mentioned, Travel Risk Insurance is the best solution. Travel insurance for foreigners is intended for, for example:

• Foreign family who wants to visit you (both visa-required and non-visa-required).
• Friends and acquaintances who live abroad and come to the Netherlands.
• Foreign partners coming to the Netherlands.
• Dutch people who have emigrated and come to the Netherlands for a holiday.

Premium medical insurance

Take out medical travel insurance here!

The Travel Risk Insurance from Allianz Global Assistance is an international medical travel insurance for foreign travelers under the age of 70 who do not live in the Netherlands. The insurance is the best choice for applying for a Schengen visa and meets all requirements. 

Taking out Travel Risk Insurance is simple and fast. You will receive the policy within 24 hours by e-mail on working days (if you want it sooner, please call or send a message).

√ EU approved medical insurance for foreign travelers. √  Schengen visa guarantee : In case of visa rejection, you do not have to pay. √ Medical costs covered up to € 30.000. Repatriation: all necessary costs. √ Policy conditions in Dutch and/or English. √ Expandable with coverage for special sports and world coverage. √ Cancellation insurance is possible (provided the trip is booked with a Dutch tour operator).

Calculate premium Close immediately

Insurance Card Travel Risk Insurance   » Insurance conditions Travel Risk Insurance in Dutch  » Insurance terms and conditions Travel Risk Insurance in English  »

Allianz Global Assistance is the largest travel insurance and assistance provider in the world. The trusted address to take out medical travel insurance online!

What is insured?

The 'Travel Risk Insurance' is a complete international medical insurance for foreigners. The travel insurance has a balanced coverage against the financial risks of illness and death, such as:

• SOS charges (including assistance, rescue and search).
• Medical expenses * (including hospital, specialist and doctors).
• Repatriation (including ambulance plane and transport of mortal remains).
• Burial or cremation costs and arrival of family.

* Medical costs are monetary compensation for doctors (fees) and costs of:

• hospitalization;
• operation and operating room use;
• prescribed X-rays and radioactive irradiations;
• prescription medications, bandages and massage;
• medically necessary transport, including any medically necessary evacuation and transport from a ski slope.

Your travel documents (purchase costs, laissez-passer, replacement visa or other official travel document), replacement clothing and/or toiletries and damage to accommodation is also insured. The following is also covered:

• illness, accident or missing person of the insured;
• death of the insured, illness, accident or death of the insured's family not traveling with him;
• death of a co-insured travel companion;
• damage to property of the insured in the country of residence;
• costs due to forced delay.

Related posts:

• What is Schengen travel insurance?
• Medical travel insurance foreigner
• Take out Schengen insurance
• Traveling with your visa in Schengen countries
• Schengen medical travel insurance

• News & Articles
• Privacy Policy

The sole purpose of this website is to provide practical information about a Schengen visa. We are not affiliated with the EU, the Dutch government or the IND. No rights can be derived from the texts on this website. Always check with the official authorities for the most recent information and regulations.

I'm a financial planner, and I'd recommend annual travel insurance to anyone who loves to travel abroad

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

• Frequent and spontaneous travelers will likely benefit from annual travel insurance policies.
• Your credit card may come with some travel protections, but it may not be enough.
• When choosing a policy, look at what it covers, not just what's cheapest.

Summer is just a few months away — and if you're planning a vacation this year, the last thing you want is an unexpected event to derail your plans (and cost you hundreds).

Flights get delayed or canceled constantly. Luggage disappears into the ether. Medical emergencies occur in remote destinations. Yet many jetsetters simply cross their fingers and hope for the best rather than prepare for the worst.

That's why, as a financial planner, I believe it's crucial to consider protecting your trips with the right insurance coverage. One option often overlooked, particularly by frequent travelers, is annual travel insurance .

Annual travel insurance covers all your trips within 365 days. Unlike stand-alone travel insurance, which only covers you for a specific trip, an annual policy covers any trips you take within the year.

That's why I tell clients who travel frequently that an annual policy is a good choice for their needs. By opting for an annual plan, you don't have to go through the hassle of booking multiple policies and potentially save money compared to purchasing individual trip coverage. Here's how it works.

What to look for in a policy

While specifics may vary depending on the insurer and plan tier, most include the following key benefits:

• Trip cancellations or interruptions: You may be able to get reimbursed for expenses (even nonrefundable ones!) related to an illness, injury, or natural disaster that forced you to cancel or cut your trip short.
• Emergency medical and dental care: If you fall ill or get injured while traveling, your insurance can help cover the cost of medical treatment.
• Emergency evacuation: In a serious medical emergency or security situation, your policy will arrange and pay for transportation to a hospital or back to your home country.
• Lost, delayed, or damaged baggage: If your luggage is lost, delayed, or damaged during your trip, you can get financial coverage for essential items while you wait for your stuff to be recovered or replaced.
• Trip delays and missed connections: When your travel plans are disrupted due to issues like mechanical problems or severe weather, you may get reimbursement for additional expenses incurred, like meals, lodging, and transportation.

It's important to note that annual travel insurance plans have limitations. Certain high-risk activities, pre-existing medical conditions, and travel to specific regions may be restricted or require additional coverage.

Some travelers may assume that their credit card's built-in travel protections are enough. While many travel rewards credit cards offer perks like rental car insurance, trip cancellation, and baggage reimbursement, the coverage limits are often much lower than a dedicated annual travel insurance plan.

Credit card coverage for emergency medical care is also particularly limited — capped at a few thousand dollars — which may not be enough in the face of a major international medical emergency.

How much travel justifies an annual plan?

For the occasional traveler who takes one or two trips a year, single-trip policies will probably work for you. But if you fall into any of these buckets, you may want to consider an annual policy:

• Regular international travelers (three or more trips abroad yearly)
• Road warriors frequently away for work
• Adventurers engaging in high-risk activities like heli-skiing, scuba diving, or mountain climbing
• Cruisers and tour group travelers
• Students or retirees taking extended trips throughout the year
• Those visiting developing countries with limited medical care

Annual plans cover all of your trips within a 365-day period after purchasing. They're basically a bundle of multiple policies into one package deal. This means you only have to buy one policy to manage, locking in your coverage for the year.

How to decide if an annual policy makes sense for you

Start by reviewing your travel plans this year — and your risk tolerance. Calculate how much buying individual travel insurance policies would cost you over the next year and compare it to the price of an annual plan.

Don't just focus on the premium — carefully evaluate coverage limits, exclusions, and deductibles to ensure you have enough protection for your needs.

An annual policy gives you the flexibility to take spontaneous trips without the hassle of obtaining last-minute insurance. More importantly, it provides peace of mind, knowing that you're covered for a wide range of travel disruptions and emergencies.

As the busy summer travel season ramps up, definitely explore protecting your trips with insurance, especially if you're jetting off internationally. Spending hours on the phone trying to rebook canceled flights or worrying about affording an overseas medical emergency is no way to vacation.

• Main content

• About Chubb
• Company Details
• Report a Complaint

Travel insurance

Whether you're off on a short trip, a two week holiday or a backpacking adventure, you can choose the travel insurance cover that matches your trip. There is no need to pay for cover you simply do not need. We will provide clear facts about the benefits and options so you can decide what insurance cover is right for you.

We also offer travel insurance for foreign students in Europe and for students taking up an internship abroad.

We will provide clear facts about the benefits and options so you can decide what insurance cover is right for you.

Products Travel insurance

Leisure travel.

Leisure Travel for individuals & families