OOM Verzekeringen · compared independently · advice from Finass
Travel insurance via OOM
Travel cover is mainly a top-up: your health insurance, contents policy and liability insurance already cover part of it, and the question is which part is left over.
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
For a holiday you rarely take out cover you do not already have. Your Dutch basic health insurance reimburses emergency care abroad, but at most up to the tariff that applies in the Netherlands for that treatment. The difference with a Swiss or American bill is left with you, and repatriation, medical transport and search and rescue operations are not included at all. That is the first gap travel cover fills.
The second is the choice between single-trip and continuous cover. A single-trip policy runs from departure to return and is intended for one journey. A continuous policy covers all trips in a year, but applies a maximum number of consecutive days per trip. Anyone going away twice a year is cheaper off with single-trip cover; anyone who also takes weekend breaks and business trips is not.
We therefore look first at your travel pattern and at what your contents and health policies already cover, and only then at the premium. For a long stay in another country, travel cover is the wrong product. You then end up with an insurance for expats or with an emigration package.
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 show what OOM 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 OOM's extended version with the market.
Replacement transport
Cancellation can be included
Special sports
Higher luggage cover
What we do
What we do
At Finass
Direct with OOM Verzekeringen
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 OOM Verzekeringen 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.
What your health insurance does and does not do abroad
Basic health insurance reimburses emergency care worldwide, but limited to the tariff applicable in the Netherlands for that same treatment. In countries with an expensive health system that covers only part of it. Basic health insurance also does not pay for an air ambulance, for a nurse escort or for family members to travel out. Those are precisely the items that mount up fastest, and precisely what the medical module of travel cover exists for.
The maximum duration per trip is a firm limit
A continuous travel policy states a maximum number of consecutive days a trip may last. If you stay away longer, cover lapses for the whole trip, not just for the days beyond. Anyone planning a sabbatical or a long tour must report it in advance. Note also: a stay for work or study does not count as a trip, however short it is.
Baggage involves an excess, market value and burden of proof
Baggage is reimbursed at market value, not at replacement value as new, and a sub-limit applies per category. Items left unattended, items taken from a parked car, cash, jewellery and damage through wear or inherent defect are excluded. Without a report to the local police or a property irregularity report from the airline, a claim almost never gets through the assessment.
Sport, work and hired vehicles are not included as standard
Winter sports, diving, hill walking off marked paths and motorised sports fall under a separate module or are excluded altogether. The same applies to paid work during the trip and to damage to a hired scooter, quad bike or jet ski; there is an excess waiver policy at the hire company for that. Ask about this before you book, not after you are handed a key on the spot.
Worldwide assistance
Cancellation
What does your premium depend on?
Area of cover. Europe is considerably cheaper than worldwide cover. The United States and Canada are often priced separately.
Single-trip or continuous. The number of trips per year determines which form works out better in figures.
Household composition. Family cover is generally better value than separate policies for individual travellers.
Modules chosen. Winter sports, special sports, cancellation and travel legal expenses are each added on.
Sum insured for luggage. The level of baggage cover and the sub-limits for electronics and jewellery feed through into the rate.
Excess per event. A higher excess on baggage and assistance visibly reduces the 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.
Do I still need travel cover if I have basic health insurance?
Usually yes. Basic health insurance reimburses emergency care up to the Dutch tariff at most and pays for no repatriation, no medical transport and no search operations. In countries with high medical costs a substantial part of the bill therefore remains outstanding. The medical module of travel cover tops up precisely that difference and also arranges assistance on the spot.
Short-term or continuous: which is wiser?
That depends on how often you go away. With one or two trips a year, single-trip cover is usually better value, because you only pay for the days you are travelling. If you travel more often, including weekend breaks and business trips, continuous cover wins. Do watch the maximum trip duration stated in the conditions.
Are winter sports automatically included?
No. Skiing and snowboarding are in a separate module with virtually every insurer, and even then it often applies only on prepared pistes. Off-piste without a guide, speed competitions and freestyle in a snowpark are generally excluded. Take out the module before you leave. You cannot add cover for a trip that has already started.
What should I do if my suitcase goes missing on the outbound journey?
Report it at the airport straight away and have a property irregularity report drawn up. Without that document there is no evidence. The airline is the party liable in the first instance and travel cover is supplementary. Keep receipts for necessary replacement purchases and report the loss to the insurer as soon as you can, as Article 7:941 of the Dutch Civil Code requires.
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.
