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 activities
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
Worldwide almost never means literally everywhere. It is a description of an area to which exceptions apply: countries subject to a negative travel advisory, areas under international sanctions and usually the United States and Canada, which you insure separately. So check the destination when you book and not when you check in.
The area can also differ from section to section. The medical section may apply worldwide while liability or legal expenses are limited to Europe. Go through the sections one by one on the policy schedule. The word worldwide in a brochure says nothing about it. For the separate area of North America, read business travel insurance for the United States.
What distinguishes a worldwide policy is medical evacuation. At remote destinations it is not the treatment but the transport to a suitable hospital that is the biggest cost item, and the emergency assistance centre decides on that transport.
What does worldwide business travel insurance cover?
The structure of the cover in three parts, with an overview per situation below.
The essentials
Medical
Costs and repatriation outside the Netherlands.
24/7 emergency assistance centre
Repatriation
Above the Dutch rate
Limited
Luggage
Business equipment is subject to sub-limits.
Laptop and phone
Samples and materials
Often declared separately
Optional
Interruption
If the trip does not go ahead or is cut short.
Cancellation
Replacement trip
Missed connection
What is covered
Situation
Standard
With extension
Medical expenses outside the Netherlands
Yes
Yes
Repatriation in case of illness or accident
Yes
Yes
Business equipment and samples
Sometimes
Yes
Cancellation of the trip
No
Yes
Taking part in high-risk sports
No
Sometimes
Travel to an area with a negative travel advisory
No
No
This overview is general in nature and is not personal advice. What is actually covered, including exclusions, limits and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) of the insurer; you receive both before you take out cover. Taking out cover without advice? Then read what execution only means for you.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
The area of cover is stated per section
Medical expenses, luggage, cancellation and liability can each have their own area. It happens that care is covered worldwide while liability stops at the border of Europe. Go through the policy schedule section by section and have any differences confirmed in writing. If the policy requires the destination to be reported and you do not do so, there is no cover for the whole trip, including for events unrelated to the country.
A negative travel advisory and sanctioned countries fall outside it
If your employee travels to an area which the Ministry of Foreign Affairs advises against at the time of departure, there is no cover. For countries under EU or UN sanctions an insurer is also not permitted to pay out. That sanctions clause stands apart from the rest of the conditions. If the advisory changes during the stay, check the conditions to see how long the cover continues.
Medical evacuation is the decisive cost item
At destinations without a hospital of western standard it is not the treatment itself that matters but the transport to it: an air ambulance with a doctor and equipment. The emergency assistance centre assesses whether that is medically responsible, when it happens and to which institution. If you arrange transport on your own initiative or have yourself transferred without approval, those costs are in principle at your own expense.
What a worldwide policy does not solve
Excluded are loss caused by war and acts of war, active participation in disturbances and the consequences of nuclear reactions. Vaccinations, malaria prophylaxis and medical checks beforehand are preventive costs and are not paid for. High-risk activities, such as working at height, offshore or in mining, fall outside the cover unless you declared them when applying and the insurer accepted them in writing.
What does your premium depend on?
Composition of the area of cover. Worldwide cover with or without the United States and Canada is assessed entirely differently.
Number of travel days outside Europe. It is not the total number of travel days that counts, but the part falling outside the European area.
Destinations with limited medical infrastructure. The further a hospital of western standard is, the greater the chance of an expensive evacuation.
Limit on evacuation and repatriation. Unlimited evacuation cover weighs more heavily than the luggage or cancellation amounts chosen.
Work on site. Meetings and trade fair visits are weighed differently from technical work, offshore work or working at height.
Continuous or per trip, and the number of travellers. An annual policy for a fixed group of travellers is built up differently from individual covers per trip.
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.
Is every country covered under a worldwide policy?
No. Countries subject to a negative travel advisory and areas under international sanctions fall outside the cover, and the United States and Canada are usually insured separately. Check the destination before booking and ask for written confirmation for a less common country. Confirmation by email from the insurer or from our office is sufficient as evidence.
What happens if the travel advisory changes during the stay?
The policy then determines whether the cover continues and for how long. Some conditions give a period in which to leave the area, others end the cover immediately. Go through that point before departure and record who within your organisation decides on returning. Also report a deteriorating situation to the emergency assistance centre straight away.
Who decides whether an employee comes back by air ambulance?
The emergency assistance centre, in consultation with the treating doctor on the spot and its own medical adviser. They weigh up whether transport is medically responsible and whether local care is adequate. That assessment is binding for the cover: if you book a flight yourself or have yourself transferred without approval, the costs are in principle at your own expense.
Is Europe insured under a worldwide policy as well?
Yes, worldwide cover includes Europe. The question is rather whether you need that scope. If your staff travel almost solely within Europe, business travel insurance for Europe is enough and you do not pay for an area you do not use. If there are a few trips a year beyond it, one continuous worldwide cover is more practical.
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.
