Business travel insurance through Nationale-Nederlanden

The cost of medical care in the United States and Canada differs so widely that insurers rate those destinations separately. Cover for 'worldwide' sometimes excludes those countries. If the destination is not within the area chosen, there is no cover for medical expenses or repatriation, and it is precisely there that the amounts are highest.

Cancellation is a separate section and also has an exhaustive list of covered causes, usually illness, an accident or a death in the immediate circle. A business reason such as a cancelled appointment, a postponed trade fair or a withdrawn assignment is usually not among them. Without a cancellation module the costs remain entirely at your expense.

Costs arising from a condition for which treatment was already under way, expected or planned at the time of departure are generally excluded. That applies too where a doctor had advised against travelling. When applying, the duty of disclosure in Article 7:928 of the Dutch Civil Code applies. An incomplete statement can have consequences for payment under Article 7:930 DCC.

Only if a personal accident section has been included. That pays an amount agreed in advance in the event of death or permanent disability and takes no account of loss of income. Illness falls outside it, because it does not arise from a sudden external cause. For long-term absence there is a disability insurance the appropriate route.