ABN AMRO Travel insurance (Doorlopende Reisverzekering)

Optional add-on that reimburses emergency or unexpected medical treatment abroad on top of the Dutch health insurer, at the actual cost price up to the insured amount stated in the policy's benefits overview; follow-up treatment costs incurred in the Netherlands are reimbursed up to €1,550, excluding dental costs.

Covered under the optional medical expenses add-on; the insurer reimburses spoedeisende or unexpected treatment costs incurred abroad due to illness or accident, always after consulting the Alarm Center first.

No separate hospitalization limit is stated; hospital admission abroad is covered as part of the optional medical expenses add-on.

Geneeskundige Kosten is an optional add-on (not included by default in the doorlopende reisverzekering) that must be actively added to the policy. When added, it covers the full/complete medical costs incurred abroad due to illness or accident, reimbursed against the foreign-country tariff rather than only the Dutch-tariff amount the standard Dutch health insurer (zorgverzekeraar) would pay, plus follow-up treatment costs incurred in the Netherlands (except dental follow-up unless caused by an accident abroad). Example given: a US hospital admission for appendicitis costing €50,000 would leave €47,500 uncovered by the standard Dutch health insurer, but is fully reimbursed with this add-on.

Follow-up dental costs incurred in the Netherlands are only covered if they result from an accident abroad; otherwise dental costs are not reimbursed under the Netherlands follow-up treatment cover.

Included in the base policy: the Alarm Center arranges and pays for transport home and assistance to the insured's family after an accident or illness, for example after an accident or death.

Included in the base policy: a premature return journey due to a life-threatening illness or serious injury is covered, subject to prior approval from the Alarm Center.

Up to €5,000 per trip is paid for a funeral abroad and the travel costs of family members attending, as part of the continuous travel insurance's base coverage.

Not separately specified in the reviewed sources.

Not separately specified in the reviewed sources.

The official policy terms (Voorwaarden doorlopende reisverzekering) explicitly exclude accident-related payouts that are caused by, or made worse by, a pre-existing illness or condition of the insured: coverage never applies to an accident 'veroorzaakt of erger geworden door een bestaande ziekte of aandoening van een verzekerde'. This exclusion applies under the Ongevallen (accident) benefit section of the policy.

Optional add-on extending the policy to winter sports practice; if medical expenses are also insured, medical costs from a winter sports accident are covered, plus reimbursement for rented winter sports equipment that can no longer be used.

Not separately specified in the reviewed sources.

Pregnancy complications are explicitly listed in ABN AMRO's own policy terms as a valid, covered reason for trip cancellation or early return: 'een complicatie bij een zwangerschap of bestaande ziekte van een verzekerde, zijn partner of kind'. This falls under the Annuleringskosten (cancellation) part of the doorlopende reisverzekering / annuleringsverzekering, not under a fixed medical-treatment sub-limit; the payout amount depends on the cancellation-cost calculation rules (e.g. only the affected traveler's share of the trip cost) rather than a single stated euro figure.

Personal liability (aansprakelijkheid) while traveling is NOT part of ABN AMRO's Doorlopende Reisverzekering / Kortlopende Reis- en annuleringsverzekering product itself. It is only available via ABN AMRO's separate, stand-alone 'Aansprakelijkheidsverzekering voor Particulieren' (AVP), which requires the policyholder to hold an active ABN AMRO payment account and provides standard cover of €1,250,000 per event (upgradable to €2,500,000). ABN AMRO markets bundling this separate liability policy alongside the travel policy for convenience, but it is not a built-in coverage line of the travel product.

Not specified in the reviewed sources.