Luggage
- Payment on the basis of market value
- A separate limit for valuables
- A report to the police or the carrier required
- Luggage left unattended excluded
Luggage · medical expenses · repatriation
All about the cover provided by travel insurance
A travel insurance is not a single product but a collection of separate covers. Which of them are on your policy determines whether you really get help when things go wrong abroad.
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- 9.5 customer rating for a new policy
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Deze pagina in het Nederlands: Alles over de dekkingen van een reisverzekering.
Calculate your premium or request a quote
Without obligation; a reply within one working day.
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 your own premium with the calculator.
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
A travel insurance consists of modules. The basis is almost always luggage, assistance and extraordinary costs: the costs that arise when your trip turns out differently from planned, such as a longer stay after illness, transport home or a family member travelling out to you. Alongside that you choose modules for medical expenses, accidents, legal expenses cover while travelling, winter sports and special sports. With most insurers, cancellation is a separate cover.
For medical expenses an important principle applies: your Dutch health insurance is the first payer. Abroad it usually pays up to the Dutch rate at most. The medical expenses module on the travel insurance tops up the difference, covers emergency dental treatment within a limit and pays the costs the health insurer does not recognise. Without that module, a hospital admission outside Europe remains largely at your expense.
In practice the emergency assistance centre is the most important cover. It arranges admission, repatriation with or without a medical escort, a replacement vehicle and contact with the treating doctors. Always call the centre before you arrange anything yourself; costs submitted afterwards are often only partly paid. Also report a loss as soon as reasonably possible, as Article 7:941 of the Dutch Civil Code requires. See also whether travel insurance is worth it.
The covers at a glance
Three blocks that make up virtually every travel policy.
Medical expenses
A supplement to what your health insurance pays abroad.
- The health insurance pays first
- Emergency dental treatment subject to a limit
- Often the excess on the health policy
- Pre-existing conditions sometimes excluded
Assistance and extraordinary costs
The emergency assistance centre, a longer stay, return and repatriation.
- 24-hour emergency centre
- Repatriation of the sick and the deceased
- Being called home after a death in the family
- Call first, then arrange
What is covered
| Situation | Basic | Extended |
|---|---|---|
| Theft of a suitcase from a hotel room | Yes | Yes |
| Emergency medical treatment abroad | Provided that | Yes |
| Repatriation after an accident | Yes | Yes |
| Cancellation of the trip through illness beforehand | No | Provided that |
| An accident while skiing or snowboarding | No | Provided that |
| Damage from taking part in a speed competition | No | No |
What is actually covered, including limits per item, the excess and exclusions, is set out in the policy conditions and the insurance card (verzekeringskaart) you receive before taking out cover.
What travellers run into
Four points that make the difference between a payment and a refusal.
Luggage has limits per category
The sum insured for luggage says little; what matters are the sub-limits. For jewellery, watches, photographic and computer equipment there is almost always a separate maximum payment per item or per trip. Payment is usually on market value, not on replacement value as new. Valuables covered at home by a separate policy are often better covered while travelling through that policy than through the travel insurance.
What is expressly not covered
Recurring exclusions are: luggage left unattended and items lying visibly in a car, damage caused by alcohol or drugs, taking part in speed contests, and intent and recklessness under Article 7:952 of the Dutch Civil Code. Trips to areas with a negative travel advisory are also usually outside the cover, as is damage resulting from a pre-existing medical condition which you did not declare.
Winter sports and adventurous sports cost extra
Skiing, snowboarding, diving, mountain walking above a certain altitude and climbing are not covered as standard. Insurers have a module for winter sports and a module for special sports. Beyond that, a hard core remains excluded: mountain sports without a marked route, air sports such as parachuting and paragliding, and professional sport. Check for each sport how the conditions describe it; the descriptions differ by insurer.
Liability and road traffic run separately
If you cause damage to someone else while travelling, that is a matter for your liability insurance, not for the travel policy; watch the territorial scope of that policy. Damage with a car, motorhome or hired scooter runs through that vehicle's insurance, in the Netherlands under Article 2 of the Dutch Motor Insurance Liability Act (WAM) and abroad through the local compulsory insurance. A travel insurance replaces neither.
What does your premium depend on?
- Area of cover — Europe or worldwide
- Length of the trip — a short trip or continuous cover
- Modules chosen — medical, accidents, legal expenses
- Winter sports and special sports — a separate loading
- Number of insured persons — on your own, as a family or in a group
- Excess — per event or per module
Insurers weigh these details differently. That is why comparing pays off.
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
The questions we are asked most often about this.
Do I need travel insurance if I already have health insurance?
Abroad, the health insurance usually pays up to the Dutch rate at most. In countries with high healthcare costs that covers a small part of the bill. The health insurance moreover does not pay for repatriation, a longer stay or a replacement vehicle. It is precisely those extraordinary costs and the assistance that are the reason for taking out travel insurance.
Is cancellation included as standard in travel insurance?
No, with virtually all insurers that is a separate cover or a separate policy. The travel insurance covers what happens during the trip; cancellation insurance covers the costs if you have to call the trip off beforehand or break it off early. Take out cancellation cover shortly after booking: events that were already an issue before then are not covered.
Are my telephone and laptop included?
Usually yes, but subject to a separate sub-limit that is lower than the replacement value as new. Payment is often on market value, and for theft a police report is required. If the device was left unattended or lay visibly in a car, no payment follows. For expensive equipment, valuables insurance is usually the better route.
What should I do after an accident abroad?
Call the emergency assistance centre first, at night as well. It assesses the treatment, gives the hospital a guarantee of payment and, where necessary, arranges transport or repatriation. If you arrange it yourself and submit the invoice afterwards, the payment may be limited. Keep all original invoices, statements from the treating doctors and the police report in the event of theft.
Does the cover also apply to winter sports?
Only with the winter sports module. Without that module, accidents and damage to equipment while skiing, snowboarding and doing related activities are excluded. Even with the module, unguided off-piste use, speed competitions and professional participation remain excluded in many policies. Read how your conditions describe the sport exactly before you depart.
Read more
Similar pages
- Travel insurance with or without cancellation cover
- What is travel insurance and what exactly does it do?
- Travel insurance for an adventurous trip
- Travel insurance through Ansvar Idea — compare & calculate your premium
- Continuous travel insurance through Allianz — compare & calculate your premium
- Travel insurance through Klaverblad
- Continuous travel insurance through De Goudse — compare & calculate your premium
- Travel insurance with winter sports
Which modules do you need?
Request a quote without obligation; we match the territorial scope, the modules and the sports cover to your travel pattern.
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.