ABN AMRO Bank N.V.
ABN AMRO
ABN AMRO is a travel insurance for the Netherlands market with online purchase and 24/7 assistance.
Direct payment
If the primary Dutch health insurer does not reimburse the covered medical expenses within a reasonable period, ABN AMRO advances the amount interest-free, provided the insured transfers the reimbursement rights to ABN AMRO.
Geographic scope
Europe or Worldwide, chosen by the policyholder
Coverage excludes destinations under an orange or red Dutch Ministry of Foreign Affairs travel advisory, unless the traveler was already there and left as soon as possible; within the Netherlands the policy only covers stays with at least one booked overnight.
Unique selling points
- Fully modular policy where medical expenses, winter sports, cancellation, European breakdown assistance, and business travel add-ons can be switched on or off at any time.
- Choice between a €50 or €125 deductible on baggage and cash, with a lower premium for the higher deductible.
- 24/7 dedicated Alarm Center reachable on a direct international number for accidents, illness, or hospitalization abroad.
- Standard 90-day trip length can be extended up to 365 consecutive days with the optional extended-duration cover.
- Children, including those living away from home for full-time study, can be co-insured under the family policy at no separate contract.
Coverage limits
Medical expenses abroad
€1,550
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.
Emergency medical treatment
Optional
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.
Hospitalization
Optional
No limit stated
No separate hospitalization limit is stated; hospital admission abroad is covered as part of the optional medical expenses add-on.
Outpatient Treatment
unlimited
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.
Emergency dental treatment
Conditional
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.
Medical transport home
Covered
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.
Medical evacuation
Covered
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.
Repatriation / funeral costs abroad
€5,000
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.
Search and rescue
Not established from the reviewed documents
Not separately specified in the reviewed sources.
COVID-19 treatment
Not established from the reviewed documents
Not separately specified in the reviewed sources.
Pre Existing Conditions
Excluded
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.
Winter sports cover
Optional
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.
Adventure sports cover
Not established from the reviewed documents
Not separately specified in the reviewed sources.
Pregnancy Complications
Covered
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
Excluded
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.
Legal assistance
Not established from the reviewed documents
Not specified in the reviewed sources.
24/7 Alarm Center assistance
Covered
Included in the base policy: round-the-clock support from the ABN AMRO Alarm Center for accidents, illness, or hospitalization, reachable at +31 26 400 23 45 (international/collect) or 0900 0024 (domestic).
Key conditions
Assistance call deadline
In case of an accident or hospital admission, the ABN AMRO Alarm Center/Hulpdienst must be contacted within 24 hours; failing to call promptly for any claim may reduce or void reimbursement.
Unauthorized treatment
Costs for treatment arranged without prior consultation with the Alarm Center may not be fully reimbursed.
Purchase while abroad
Not specified in the available sources.
Chronic conditions
Not specified in the available sources.
Pregnancy
Not specified in the available sources.
Pre-existing condition exclusions
Not specified in the available sources.
Coverage duration limit
Standard cover is limited to 90 consecutive travel days per trip; this can be extended, and with the optional extended-duration cover trips of up to 365 days can be insured.
Policy specifics
Cancellation costs (annuleringskosten)
Optional supplementary coverage for trip cancellation or early termination due to covered events, with choice of € 1,500 or € 3,000 per person
SourceWinter sports coverage (wintersport)
Optional supplementary coverage for winter sports accidents and related costs, including rental equipment replacement after loss or damage
SourceExtended trip duration (verlengde dekkingsduur)
Optional supplementary coverage extending maximum covered trip duration beyond standard 90 consecutive days
SourceVehicle breakdown Europe (pechhulp Europa)
Optional supplementary coverage for breakdown assistance during travel within Europe, includes replacement transport and vehicle recovery costs
SourceBusiness travel coverage (zakenreis)
Optional supplementary coverage extending insurance protection to business travel, trade fairs, seminars, and conferences
SourceMaximum consecutive days per trip
Standard coverage limited to 90 consecutive days per individual trip; trips exceeding this duration require the extended duration supplement
SourceAnnual contract term (continuous coverage)
Policy runs continuously on annual basis; provides year-round coverage for unlimited number of trips within coverage limits
SourceDeductible (excess) on baggage and cash
Standard deductible of €50 per claim on baggage and cash; optional upgrade to €125 deductible for premium reduction
SourceGeographic coverage options (Europe vs. World)
Choice between Europe-only coverage or worldwide coverage; affects eligibility for certain supplementary coverages
Source14-day cooling-off period
Right to cancel policy within 14 days of purchase with full refund of premium; exception for cancellation coverage which must be selected within 14 days of booking
Source24/7 Alarm Center assistance
Round-the-clock emergency support for serious illness, accident, hospitalization; mandatory contact within 24 hours for emergency medical situations
SourceSources
- https://www.abnamro.nl/nl/prive/verzekeren/reisverzekeringen/dekkingen/geneeskundige-kosten.html
- https://www.abnamro.nl/nl/prive/verzekeren/reisverzekeringen/dekkingen/index.html
- https://www.abnamro.nl/nl/prive/verzekeren/reisverzekeringen/doorlopend.html
- https://www.abnamro.nl/nl/prive/verzekeren/reisverzekeringen/schade/ziek-op-reis.html
- https://www.verzekering.nl/aansprakelijkheidsverzekering/verzekeraars/abn-amro-aansprakelijkheidsverzekering/