Chubb · compared independently · advice from Finass
Travel insurance through Chubb
This travel insurance is built around the heavy end of travelling: high medical bills outside the treaty area, repatriation by air ambulance and valuables that travel with you.
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
Most travel claims are small: a stolen telephone, a missed connection. The claims that really hit a household are rare and large: a hospital admission in the United States, surgery after an accident in Asia, medically escorted transport back to the Netherlands. This policy is set up for that category.
That makes three points important: the territorial scope including North America, the role of the emergency assistance centre in giving a guarantee of payment, and the limits for equipment and jewellery that travel with you. For valued items a travel policy is rarely the right place. Those belong on a Masterpiece cover with worldwide effect.
If you mainly make short trips within Europe and are looking for simplicity, the continuous travel insurance from Allianz is usually the more logical form. We set both side by side.
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 Chubb 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 Chubb'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 Chubb
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 Chubb 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.
Medical expenses outside the treaty area
In countries with no treaty with the Netherlands, your basic health insurance pays the Dutch rate at most. Admission to intensive care in the United States or Canada goes far beyond that. This policy is intended to absorb that difference. Involve the emergency assistance centre before treatment or admission: it gives the hospital a guarantee of payment. Without that step the insurer can limit the payment.
Repatriation and early return
Medically escorted transport, an air ambulance or bringing a deceased person home are the most expensive items of a trip. The emergency assistance centre organises this and assesses whether transport is medically responsible. Not covered is transport you arrange yourself without prior consent, and returning on your own initiative without medical necessity. The costs of a travelling companion who comes with you are also only covered where that has been agreed in advance.
Luggage, equipment and jewellery
Even on a generous travel policy, sub-limits apply to cameras, laptops, watches and jewellery. Excluded are items left unattended, valuable equipment you check into the hold, and loss of cash and payment cards above a small amount. If you travel with equipment or jewellery exceeding the sub-limit, put those on valuables cover; that follows the items worldwide, including outside a trip.
Travel advice, sports and excluded circumstances
If you depart for an area which the government advises against travelling to at that moment, the cover is in principle not in force there. Diving below a certain depth, mountaineering with ropes, heli-skiing and riding heavy motorcycles call for a separate module. In all variants, taking part in competitions, riot and the consequences of taking part in a crime are excluded.
Worldwide assistance
Cancellation
What does your premium depend on?
Territorial scope including North America. Trips to the United States and Canada weigh heavily because of the level of healthcare costs.
Length of the trip. A short holiday, a tour of several months or a long stay lead to different rates.
Age of the travellers. With older travellers the chance of medical expenses and of repatriation rises.
Sums insured for luggage. Higher limits for equipment and jewellery increase the premium.
Modules for special sports. Diving, climbing, winter sports and motorised sports are insured separately.
Number of people travelling and the excess. Family cover and a low excess feed through into the final premium.
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.
Does this policy cover a hospital admission in the United States?
Yes, provided North America is included in your territorial scope and you involve the emergency assistance centre as soon as admission arises. The centre gives a guarantee of payment, so that the hospital does not demand payment from you in advance. Your basic health insurance also pays up to the Dutch rate. The excess comes from this policy.
Do I always have to call the emergency assistance centre first?
For admission, surgery, medical transport and repatriation, yes. That is not a formality: the centre assesses the necessity, arranges the guarantee of payment and chooses the form of transport. If you arrange it yourself, you run the risk that costs are reduced or refused. For small costs, such as a visit to a doctor, keeping the invoice is enough.
Are diving and mountaineering included?
Not as standard. Higher-risk sports fall under a separate module and often have their own limits, for example a maximum diving depth or the use of ropes and crampons. Taking part in competitions remains excluded even with the module. Tell us about your activities in advance and we will record the cover in writing.
Are my jewellery and camera fully covered while travelling?
Up to the sub-limit stated on the policy schedule. Above that you need valuables cover, which follows the items worldwide on the basis of a valuation. We look at whether that runs through a Masterpiece cover or through an extension to your home contents insurance, so that you are not insured twice.
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.
You will find our licence, KvK and Kifid details and our complaints procedure at the foot of every page.
