Insurance > Travel insurance the Netherlands

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.

Travel insurance the Netherlands
Insurance: Travel insurance the Netherlands

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. 

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
What is covered by Travel insurance?

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


FBTO is a highly-rated Dutch insurance provider where you can adjust coverage to your needs. They offer insurance for your travel, car, house, legal matters, and much more. Visit the website to get a direct quote.

ABN Amro

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.


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.

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.


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.

This page was last updated: 06/05/2024.