Compare Travel Insurance in Netherlands

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What is travel insurance in the Netherlands?

Travel insurance (reisverzekering) covers medical costs, lost or stolen luggage, cancellations, delays and personal liability while you are away from home. Dutch policies come in two main shapes: a doorlopende reisverzekering (annual, continuous cover for frequent travellers) and a kortlopende reisverzekering (single-trip cover). Many households add a separate annuleringsverzekering (cancellation cover) to protect prepaid holiday costs.

How the Dutch market works

Because most residents hold a Dutch basisverzekering (basic health insurance), travel policies focus on the gap it leaves abroad — repatriation, non-EU medical bills and extras like winter sports or valuables. Within the EU the European Health Insurance Card (EHIC/EGK) covers state care, but private travel cover fills the rest. The ANWB, the national motoring and travel association, is a household name here, alongside big insurers selling directly and through comparison sites.

Benefits

Medical and repatriation — Covers emergency treatment and the cost of getting you home, which can dwarf the premium.

Cancellation protection — Recovers prepaid flights and accommodation if illness or a family emergency stops your trip.

Baggage and valuables — Replaces lost, stolen or damaged belongings, with optional higher limits for cameras and laptops.

Personal liability abroad — Protects you if you accidentally injure someone or damage property.

Delay and missed-connection cover — Helps with extra costs when flights are delayed or connections are missed.

How to choose

Decide first between annual and single-trip cover based on how often you travel. Frequent travellers usually save with a doorlopende policy. Check the coverage area (Europe vs worldwide), whether winter sports and adventure activities are included, and the excess (eigen risico). If you have paid for an expensive holiday, add annuleringsverzekering. Confirm valuables limits and whether existing medical conditions are accepted.

Leading providers in the Netherlands

Centraal Beheer, Interpolis and OHRA are among the most recognised names for reisverzekering, all part of large Dutch insurance groups. Nationale-Nederlanden and Aegon offer broad travel cover, Allianz Travel specialises in trip protection, and the ANWB Reisverzekering is a long-standing favourite for members and non-members alike. Because cover levels and destination limits differ, comparing the medical, baggage and cancellation caps across these insurers is the surest way to find value.

What it costs

Continuous travel cover in the Netherlands commonly runs from roughly €8 to €30 per month depending on the coverage area, family size and add-ons such as winter sports or a high valuables limit. Single-trip policies are priced per day and per destination, so a long-haul holiday costs more than a European city break. Cancellation cover is usually a percentage of the insured trip value. Adding worldwide cover or extending to non-EU destinations raises the premium, as does insuring an entire family under one continuous policy. Because the basisverzekering already handles some EU medical costs, many travellers keep the medical module lean and spend more on baggage and cancellation limits that match their trip.

Protections and regulation

Insurers and intermediaries are supervised by the Autoriteit Financiële Markten (AFM) for conduct and by De Nederlandsche Bank (DNB) for solvency. Policies must give clear pre-contract information, and complaints that cannot be resolved with the insurer can go to Kifid, the financial-services ombudsman. The 14-day cooling-off period applies to many distance-sold policies.

Common questions

Do I need travel insurance if I have basisverzekering? The basic health insurance offers limited cover abroad; travel insurance adds repatriation, non-EU costs, baggage and cancellation.

Is winter sports included by default? Usually not — wintersport and adventure activities are typically an optional module you must add.

Does my policy cover cancellation? Only if you take annuleringsverzekering; standard travel cover does not automatically refund cancelled trips.

Travel Insurance in Netherlands — FAQ