Basic cover
- Loss, theft and damage to luggage
- 24-hour emergency centre
- A longer stay and the journey home
- Repatriation in the event of illness or death
Continuous or per trip · assistance · luggage
What is travel insurance and what exactly does it do?
Travel insurance covers the costs and the help you need if something goes wrong while you are away. It does not replace your health insurance and it only covers cancellation if you take out that cover separately.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
Deze pagina in het Nederlands: Wat is een reisverzekering en wat doet hij precies?.
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 is an indemnity policy that applies while you are travelling. It covers three things: damage to or loss of your luggage, assistance through an emergency assistance centre and the extraordinary costs that arise when your trip does not go as planned. Think of a longer stay after illness, transport to hospital, repatriation or a family member coming out to join you. Medical costs, accidents and legal expenses are separate modules you add.
There are two forms. A short-term travel policy is taken out for one trip, with a fixed start and end date. A continuous travel policy runs all year and covers every trip up to a maximum number of consecutive days per trip, usually with a choice between Europe and worldwide cover. If you travel once or twice a year, a single-trip policy is often the logical choice. If you travel more often or at short notice, a continuous policy is more practical.
What travel insurance is not: a replacement for your health insurance, cancellation insurance or liability insurance. Your health insurance pays first abroad, up to the Dutch rate at most. Cancellation is a separate cover for costs before the trip or on curtailing it. Damage you cause to someone else runs through your AVP. See also continuous travel insurance.
What travel insurance consists of
Three parts that together determine what the policy does for you while you are away.
Additional modules
Covers you switch on or off per policy.
- Medical costs abroad
- Accidents and permanent disability
- Legal expenses while travelling
- Winter sports and special sports
Single-trip or continuous
Taking out cover per trip or being insured all year round.
- Single-trip: a fixed trip length
- Continuous: a maximum number of days per trip
- European or worldwide cover
- Family members can be included
What is covered
| Situation | Short-term | Continuous |
|---|---|---|
| One booked holiday with fixed dates | Yes | Yes |
| An unexpected weekend across the border | No | Yes |
| A trip longer than the maximum number of consecutive days | Provided that | No |
| Cancelling the trip because of illness beforehand | Provided that | Provided that |
| An accident during an adventurous sport | Provided that | Provided that |
| A trip to an area with a negative travel advisory | 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 know before you choose
Four points that determine whether the policy suits the way you travel.
Health insurance remains the first payer
Abroad, your basic health insurance pays for care up to the rate applicable in the Netherlands at most; outside the EU that is often a fraction of the actual bill. The medical expenses module on the travel insurance tops up that difference. The excess on your health insurance still applies as normal. Without this module you are insured for repatriation, but not for the treatment itself.
What is not included
Virtually every travel policy excludes: luggage left unattended, damage while under the influence of alcohol or drugs, taking part in speed contests and the consequences of an existing medical condition that you have not declared. Beyond that, intent and recklessness apply as an exclusion under Article 7:952 of the Dutch Civil Code, and the policy does not pay fines. Business trips also fall outside a private policy.
Declare what has to be declared
On taking out the policy, the duty of disclosure applies under Article 7:928 of the Dutch Civil Code. Answer questions about health, occupation or previous claims in full. A breach can reduce the payment or cause it to lapse (Article 7:930 of the Dutch Civil Code). If something happens on the way, call the emergency assistance centre first and report the claim as soon as reasonably possible (Article 7:941 of the Dutch Civil Code). Keep invoices, police reports and statements. Without documentary evidence, luggage is rarely paid for.
Look beyond the premium
Travel policies differ mainly in their sub-limits and area of cover. A low premium often goes together with a low payment for electronics and jewellery, a limited number of consecutive travel days or cover for Europe only. Note too how the policy defines special sports and whether family members and children travelling with you are automatically included. Compare those points before you decide on price.
What does your premium depend on?
- Area of cover. Europe or worldwide
- 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, legal expenses
- Sports cover: winter sports or adventurous sports
- Excess: higher risk, lower 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, 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.
Is travel insurance compulsory?
No, not in the Netherlands. Some countries do require insurance for medical costs and repatriation with a visa application, and tour operators can require it contractually. Apart from that, you decide for yourself whether you want to bear the risk of medical costs and repatriation. Without insurance you pay those costs out of your own funds.
What is the difference from cancellation insurance?
Travel insurance covers what happens during the trip: luggage, assistance, medical costs. Cancellation insurance covers the costs you have booked when you have to cancel the trip beforehand or cut it short for a covered reason, such as illness or a death in the family. They are two covers often taken out together, but they work independently.
Short-term or continuous: which is wiser?
That depends on how often you are away. With one or two trips a year a single-trip policy usually fits better, because you pay only for the days you travel. If you travel more often, book at the last minute or regularly go across the border for a weekend, a continuous policy stops you forgetting to take out cover.
Are my children automatically covered?
On a family policy usually yes, as long as they live at home and travel with you. Student children living away from home are not always included, and children travelling independently without the policyholder are sometimes not either. Check this before departure, certainly for a school trip or a trip with friends; it cannot be adjusted afterwards.
Does the policy apply to a business trip as well?
A private travel policy covers holiday trips. If you travel for work, there is often only cover for administrative or non-manual activities, and sometimes none at all. For work with an increased risk, installation work or a long stay, business travel insurance is needed. Have that assessed in advance; an argument about the purpose of the trip afterwards is hard to win.
Read more
Within Reisverzekering
Similar pages
- Is travel insurance worth it?
- Travel insurance with or without cancellation cover
- All about the cover provided by travel insurance
- Travel insurance through Ansvar Idea — compare & calculate your premium
- Travel insurance for an adventurous trip
- Compare single-trip travel insurance
- Continuous travel insurance through Nationale-Nederlanden — compare & calculate your premium
- Continuous travel insurance through Allianz — compare & calculate your premium
- Travel insurance through Klaverblad
Which form suits you?
Request a quote without obligation. We compare single-trip and continuous cover on premium and on limits.
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.