Travel cover
- Loss, theft and damage to luggage
- 24-hour emergency centre
- Repatriation and a longer stay
- Medical expenses as a separate module
Luggage · assistance · cancellation
Travel insurance with or without cancellation cover
Travel insurance covers what goes wrong during the trip; cancellation insurance covers what goes wrong before it, or when you have to cut it short. You can take them out separately or together.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
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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
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
Travel insurance consists of a basic cover and a number of modules. The basic cover covers luggage, assistance through the emergency assistance centre and extraordinary costs: a longer stay after illness, transport to hospital, repatriation and a family member travelling out to you. On top of that you choose modules for medical expenses, accidents, legal expenses cover while travelling and winter sports or special sports. Abroad, your health insurance remains the first payer.
The cancellation insurance is a different cover, for a different moment. It reimburses the cost of the trip you have booked if you cannot go for a reason named in the conditions, for example serious illness, an accident, a death in the family or involuntary loss of your job. If you cut the trip short for such a reason, the unused part of the trip cost is reimbursed pro rata. Take out this cover shortly after booking: anything already going on at that point is not covered.
What travel insurance does not do is pay for damage you cause to someone else. That goes through your liability insurance. Damage caused with a car, camper van or hired vehicle falls under the insurance on that vehicle, in the Netherlands under Article 2 of the Dutch Motor Insurance Liability Act (WAM). Also have a look at cancellation insurance if you have booked an expensive trip.
Independent, personal, sorted quickly
We compare your travel insurance across dozens of insurers, explain where the real differences lie, and arrange the switch from start to finish — without you having to chase it yourself.
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Two covers, two moments
What you choose depends on when the risk arises.
Cancellation
Reimbursement of the trip cost for a covered cancellation reason.
- Illness, accident or death
- Involuntary loss of employment
- Cutting the trip short reimbursed pro rata
- Take out straight after booking
Per trip or continuous
Insure one trip, or be covered all year round.
- Single-trip, with fixed dates
- Continuous, with a maximum trip length
- European or worldwide cover
- Cancellation cover also available on a continuous basis
What is covered
| Situation | Travel | Cancellation |
|---|---|---|
| Suitcase stolen during the holiday | Yes | No |
| Admission to hospital abroad | Provided that | No |
| Cancelling the trip because of serious illness beforehand | No | Yes |
| Cutting the trip short after a death in the family | Provided that | Yes |
| Insolvency of the tour operator | No | No |
| Cancelling because you no longer feel like going | No | No |
What is actually covered, including limits, the excess and exclusions, is set out in the policy conditions and the insurance card (verzekeringskaart) you receive before you take out the policy.
What to look out for
Four points that decide whether your claim is paid.
The list of cancellation reasons is exhaustive
Cancellation insurance only pays out for a reason that is expressly stated in the conditions. Illness, an accident, the death of someone close, involuntary loss of your job and serious damage to your home are usually on the list. Fear of unrest, a negative travel advisory or a change of plan are not. If you want wider cover, look at an all-risks cancellation version; that too works from a list, just a longer one.
Existing circumstances are excluded
Anything that was already known or foreseeable when you took out the policy is not covered. An existing illness, a planned operation or a redundancy already announced counts as a known circumstance. The same goes under the travel cover for a condition you have not declared. When you take out the policy, the duty of disclosure applies under Article 7:928 of the Dutch Civil Code; a breach can reduce the payout or cause it to lapse (Article 7:930 of the Dutch Civil Code).
What is not covered anywhere
Recurring exclusions are intent and recklessness (Article 7:952 of the Dutch Civil Code), damage while under the influence of alcohol or drugs, luggage left unattended, taking part in speed contests and travel to areas with a negative travel advisory. The insolvency of the tour operator also falls outside the policy: there is a guarantee fund for that, which the provider may or may not have joined. Fines are not reimbursed.
Call before you arrange anything
If you fall ill, are admitted to hospital or have a serious breakdown, first call the emergency assistance centre. It issues a guarantee of payment, assesses medical necessity and arranges transport. Costs you incur yourself without consulting them are often only partly reimbursed. Report a claim as soon as you reasonably can, as Article 7:941 of the Dutch Civil Code requires, and keep invoices, police reports and medical certificates to support the claim.
What does your premium depend on?
- Area of cover. Europe or worldwide
- Trip cost: the basis for cancellation cover
- Form of the policy: short-term or continuous
- Number of insured persons: on your own, as a family or in a group
- Modules chosen: medical, accidents, sports
- Excess: per event or per module
Insurers weigh these details differently. That is where your saving is.
How we arrange it
- You request a quoteWe take stock of your situation, risk and 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.
9.5New policy
9.8Claims handling
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.
Frequently asked questions
This is what people ask us most.
Do I have to take out cancellation and travel cover together?
You do not have to, but it is usual. The travel cover works from departure, the cancellation cover from the moment you book. If you have only travel insurance, you are left empty-handed if you fall ill before you leave. If you have only cancellation cover, you are not insured on the way for luggage, medical expenses and repatriation.
When do I have to take out the cancellation insurance?
As soon as possible after booking, usually within a few days. Insurers set that period because otherwise the cover would only start once the risk is already known. If you take it out later, a waiting period may apply, or circumstances that arose between booking and taking out the policy may be excluded. Keep the booking confirmation as proof of the date.
Do I get the whole trip cost back if I cancel?
What is reimbursed is what you actually lose under the tour provider's cancellation terms, up to the insured trip cost stated on the policy and after deduction of any excess. If you cut the trip short for a covered reason, you are reimbursed in proportion to the days you do not use. Costs the provider refunds are not paid twice.
Is my health insurance not enough abroad?
Outside the Netherlands, the basic health insurance usually pays up to the Dutch rate. In countries with high healthcare costs, a large part of the bill is left over. Health insurance also pays nothing towards repatriation, an extended stay or replacement transport. Those costs are precisely what travel insurance covers, together with the help of the emergency assistance centre.
Are winter sports and adventure sports covered?
Only with the matching module. Without that module, accidents while skiing, snowboarding, diving or climbing are excluded. Even with the module, many policies still exclude mountaineering off marked routes, air sports such as parachuting and paragliding, and speed events. Check the wording for each sport in your own conditions.
Read more
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Arrange travel and cancellation cover in one go
Request a quote without obligation. We match the modules to your trip cost and destination.
Prefer to call? 072 - 509 24 56, weekdays 09:00–17:00.
Claim on the road? Emergency line 06 - 55 20 40 72.
About our service
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.
This page was written and checked by an adviser at Finass Verzekert. Last updated on .
The information on this page is general in nature and is not personal advice.