Ansvar · compared independently · advice from Finass
Travel insurance through Ansvar Idea
Travel insurance arranges three very different things: assistance on the spot, medical expenses and your luggage. Cancellation is not part of it as standard.
The calculator and the quote form below are in Dutch. Prefer to do this in English? Email info@finassverzekert. nl or call 072 - 509 24 56 and we will take it from there.
Work out for yourself what it would cost.
Enter your details; you will receive a proposal within one working day.
We compare the offerings of several insurers
An adviser checks whether the cover suits your situation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
Travel insurance consists of separate sections that you choose alongside each other. The core is the assistance through an emergency assistance centre: admission to a hospital abroad, medical transport, repatriation, or bringing your car home when nobody can drive it any longer. Alongside that are the medical expenses section and the luggage section, each with its own conditions and its own limits.
The medical expenses section operates supplementary to your health insurance. Within Europe your basic health insurance pays for treatment up to the rate applicable in the Netherlands. In countries with a more expensive healthcare system a large difference is left open. The basic health insurance also does not pay for medical transport to the Netherlands or for repatriation, and those are precisely the items that weigh most heavily in the event of serious injury.
If you are choosing between continuous and single-trip cover, look at the number of trips a year; see also continuous travel insurance and single-trip travel insurance. If you also want the trip cost back when you cannot depart, separate cancellation insurance is needed; that cover is not automatically part of a travel policy.
The structure of the cover in three parts, with an overview per situation below.
Basic cover
The basic cover insures the core of your travel insurance. We set out what Ansvar Idea and other insurers offer within it.
Luggage & travel documents abroad
SOS emergency assistance centre
Money & payment cards while travelling
Help in case of illness or accident
Extended cover
On top of that to medical assistance, also luggage, accidents, legal expenses and (optionally) winter sports.
Luggage & travel documents
Money & payment cards while travelling
Travel legal expenses cover
Money & payment card insurance
Complete package
The most complete cover. We compare Ansvar Idea's extended version with the market.
Replacement transport
Cancellation can be included
Special sports
Higher luggage cover
What is covered
Situation
Basic
With winter sports module
Theft of luggage from a locked space
Provided that
Provided that
Repatriation after an accident
Yes
Yes
Medical expenses abroad
Provided that
Provided that
Damage to or theft of hired ski equipment
No
Yes
An accident while skiing off-piste
No
Provided that
A trip to an area with a negative travel advisory
No
No
Travel insurance reimburses medical expenses as a supplement to your health insurance, not as a replacement for it. Winter sports and special sports are excluded as standard and require a separate module. A negative travel advisory from the Ministry of Foreign Affairs generally excludes cover for that area; report a claim as soon as reasonably possible (7:941 DCC).
What we do
What we do
At Finass
Direct with Ansvar
Comparison across several insurers
Yes
No
Advice based on your own situation
Yes
Sometimes
One point of contact for claims
Yes
Sometimes
Cancellation with your current insurer arranged
Yes
No
We determine whether Ansvar is the best choice
Yes
No
Advice fees for you as a customer
No
No
This overview concerns our service, not the cover. What is actually covered is set out in the policy conditions and on the insurer's insurance card (verzekeringskaart); you receive both before you take out cover.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
Call the emergency assistance centre first
For admission to hospital, medical transport or early return you must make contact in advance. If you arrange an air ambulance or a hospital stay yourself and it turns out afterwards that a cheaper or medically equivalent route was possible, not everything is paid for. Reporting should moreover be done as soon as possible, as Article 7:941 DCC of the Dutch Civil Code requires; keep invoices, statements and the emergency assistance centre's file number.
Luggage has limits and duties of care
Each section has maximum amounts and each category has sub-limits: for a laptop, a camera, jewellery and a bicycle. Money and securities are covered only to a limited extent or not at all. Theft from a parked car, from a tent or of unattended luggage at a station is rarely paid for. For more expensive items, separate valuables insurance is a better solution than travel cover.
Winter sports and adventurous sports
Skiing, snowboarding, diving, climbing and similar activities do not fall within the standard section. Separate modules exist for those; see winter sports and adventurous trips. Without that module there is no cover for injury, for damaged equipment or for the costs of rescue or removal from the piste, and those are precisely the expensive items.
Travel advice and pre-existing conditions
If you travel to an area for which a negative travel advisory applies because of war or unrest, the cover usually falls away. Treatment connected with a pre-existing condition, or which you had already planned in advance, is also not paid for. If you depart with a medical history, have it checked in advance whether the medical expenses section is of any use in your case.
Worldwide assistance
Cancellation
What does your premium depend on?
Area of cover. Europe or worldwide; countries with an expensive healthcare system weigh more heavily in the rate.
Continuous or single-trip. The number of trips a year determines which form works out cheaper.
Maximum length of each trip. A continuous policy has a maximum number of consecutive days per trip.
Composition of the party. Alone, as a couple or as a family with children, and the age of the insured persons.
Sections chosen. Luggage, medical expenses, winter sports, special sports and legal expenses can be chosen separately.
Excess. An excess per event affects the premium above all on the luggage section.
Insurers weigh these details differently. That is where your saving is.
How we arrange it
You request a quoteWe take stock of your situation, your risk and your wishes.
We compareseveral insurers, on premium as well as conditions.
You receive a proposalWith an explanation of the differences and the exclusions.
We arrange the switchIncluding cancellation, so there is no gap in cover.
Customers rate our service on four aspects: personal service, service delivery, availability and the outcome. The reviews are collected and published by NH1816 and come from customers who have actually taken out a policy with Finass Advies B.V. or reported a claim.
Do I need travel insurance if I already have health insurance?
Abroad, the basic health insurance pays up to the Dutch rate at most and does not pay for repatriation, medical transport home, or search and rescue. In countries with expensive healthcare a large difference is left open. Travel insurance supplements that and also arranges assistance on the spot through an emergency assistance centre.
Does travel insurance also cover cancellation?
Only if you take out that module separately. The travel cover is about what happens during the trip; cancellation is about the trip cost you lose when illness, a death in the family or another named cause prevents you from departing. Take out that cover shortly after booking, not just before departure.
Are winter sports covered?
Not as standard. Without a winter sports module there is no cover for accidents on the piste, for damaged or stolen equipment or for recovery costs. The same applies to diving, climbing and other higher-risk sports. We include those modules in the comparison, because insurers fill in the list of named sports differently.
Continuous or short-term: which is wiser?
If you travel once or twice a year, a single-trip policy per trip is usually sufficient. If you go away more often, including short weekends and business trips, continuous cover is more practical because you no longer have to notify anything. Do watch the maximum number of consecutive days per trip.
Finass Verzekert is a trading name of Finass Advies B.V. We advise on and arrange non-life insurance on the basis of an objective analysis of several insurers, and receive commission for this from the insurer, which is included in the premium. You pay no separate advice fee. Before you take out cover, we establish your wishes and needs.
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