Extracted from source documents

Allianz Assistance Travel insurance (Doorlopende Reis En Annuleringsverzekering)

Underwritten by AWP P&C S.A. - Dutch Branch (Allianz Assistance) · Netherlands

travel insurance from Allianz Assistance for the Netherlands market, with 24/7 assistance.

Verified Sep 1, 2026 · Terms dated 2024-04-01Sources

24/7 helpline

Unique selling points

No stated ceiling on necessary emergency medical costs incurred abroad, unlike many policies with a fixed medical sum insured.

The statutory deductible (eigen risico) of the Dutch basic health insurance is reimbursed as part of the Medical Expenses cover.

24/7 multilingual assistance centre that can guarantee or advance hospital payments directly, avoiding upfront out-of-pocket costs.

Optional DAS legal assistance module offers unlimited cover for in-house DAS specialists and cost-price reimbursement for external lawyers within Europe.

Coverage limits

Covered

Medical expenses abroad

Covered

Necessary and reasonable (Dutch standard) costs of emergency medical treatment abroad, with no stated ceiling ('necessary costs'); in the Netherlands medical costs are capped at €1,000 and follow-up treatment costs at €1,000.

Page 2

Section: Dekkingsoverzicht

In het buitenland: • Medische kosten Noodzakelijke kosten • Tandartskosten € 500,- In Nederland: • Medische kosten € 1.000,- • Tandartskosten € 500,- • Nabehandelingskosten € 1.000,-

Covered

Emergency medical treatment during the trip

Covered

Covers necessary emergency transport to a local doctor/medical facility and the reasonable and customary costs of treatment for a sudden, unexpected illness, injury or medical condition (including epidemic/pandemic diseases such as COVID-19) arising during the trip.

Page 16

Section: F. Medische kosten

Tijdens je reis krijg je plotseling en onverwacht een ziekte, letsel of medische aandoening. Als deze niet behandeld wordt voordat je terugkeert naar huis kan dit ernstige gevolgen hebben (dit geldt ook als je een epidemische of pandemische ziekte zoals COVID-19 krijgt).

Covered

Hospitalization

Covered

Included within Medical Expenses cover; if hospitalized, Allianz can guarantee or advance payment to the hospital up to the maximum reimbursement for Medical Expenses; no separate ceiling stated beyond 'necessary costs'.

Page 17

Section: F. Medische kosten

Moet je in een ziekenhuis worden opgenomen? Dan kunnen we betalingen garanderen of voorschieten, als dat wordt geaccepteerd, tot je maximale vergoeding voor Medische kosten.

Covered

Outpatient treatment

Covered

Outpatient emergency medical treatment abroad is covered under the general Medical Expenses clause as 'necessary costs', with no separate stated ceiling.

Page 2

Section: Dekkingsoverzicht

Medische Kosten Spoedeisende medische behandeling tijdens je reis

Covered

Emergency dental costs

€500

Emergency dental treatment costs abroad are capped at €500; the same €500 cap applies to dental costs incurred in the Netherlands.

Page 2

Section: Dekkingsoverzicht

• Tandartskosten € 500,-

Covered

Medically necessary local transport

Covered

Necessary costs of medically necessary transport to the nearest hospital by taxi, ambulance or air ambulance, no stated ceiling ('necessary costs').

Page 2

Section: Dekkingsoverzicht

Medisch noodzakelijk vervoer naar het dichtstbijzijnde ziekenhuis per taxi, ambulance of ambulancevliegtuig Noodzakelijke kosten

Covered

Emergency medical evacuation

Covered

If local medical facilities cannot provide appropriate care, Allianz arranges and pays the necessary costs of transport to the nearest suitable hospital and a medical escort if needed, subject to prior authorization by the assistance centre.

Page 17

Section: G. SOS Hulpverlening

Bepalen wij wat het dichtstbijzijnde geschikte ziekenhuis of andere geschikte medische instelling is. Wij regelen je vervoer daarnaartoe en we vergoeden de kosten van dat vervoer

Covered

Repatriation of remains

Covered

Necessary costs of transporting the deceased's remains to a funeral home near the home address or a chosen location in the Netherlands, no stated ceiling ('necessary costs'), subject to prior authorization.

Page 19

Section: G. SOS Hulpverlening > Repatriëring van jouw stoffelijk overschot

Wij regelen en vergoeden de redelijke en noodzakelijke diensten en benodigdheden voor het vervoer van je stoffelijk overschot naar een van de volgende plaatsen: 1. Een uitvaartcentrum in de buurt van je woonadres; of 2. Een uitvaartcentrum naar keuze in het land waar je woont.

Covered

Search and rescue costs

Covered

Necessary costs of professional search and rescue if reported missing or in need of rescue during the trip, no stated ceiling ('necessary costs').

Page 20

Section: G. SOS Hulpverlening > Opsporings- en reddingskosten

Word je als vermist opgegeven tijdens je reis? Of moet je worden gered uit een noodsituatie? Dan vergoeden wij de kosten van je opsporing of redding door een professioneel team.

Covered

COVID-19 / epidemic-pandemic illness treatment

Covered

Epidemic/pandemic illness such as COVID-19 is explicitly included as a covered event under Medical Expenses and SOS Assistance (and under Cancellation, Interruption); the general pandemic exclusion does not apply where explicitly named under these covers.

Page 16

Section: F. Medische kosten

Tijdens je reis krijg je plotseling en onverwacht een ziekte, letsel of medische aandoening. Als deze niet behandeld wordt voordat je terugkeert naar huis kan dit ernstige gevolgen hebben (dit geldt ook als je een epidemische of pandemische ziekte zoals COVID-19 krijgt).

Excluded

Pre-existing medical conditions

Excluded

General exclusion: any damage, condition or event that was already known, foreseeable or to be expected at the moment the policy was taken out or the trip was booked is excluded.

Clause 1Page 25

Section: Algemene uitsluitingen

Iedere schade, toestand of gebeurtenis die al bekend, te voorzien of te verwachten was op het moment dat je de verzekering afsloot of je reis boekte;

Optional

Winter sports cover

Optional

Optional module 'Wintersport en Risicosporten' must be selected on the policy schedule; if selected, standard covers (medical, baggage, accidents etc.) also apply while practicing winter sports, plus €500 for missed pre-paid sports activities and €500 for rental of replacement sports equipment. Recreational diving, cross-country skiing, skating and sledding are included by default without this module.

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Section: J. Wintersport en Risicosporten

Recreatief duiken, langlaufen, schaatsen en sledetochten zijn standaard meeverzekerd, op voorwaarde dat de beoefening daarvan recreatief van aard is.

Optional

Adventure / risk sports cover

Optional

Optional module 'Wintersport en Risicosporten' covers higher-risk sports (e.g. mountaineering, climbing sports, bungee jumping, skydiving, paragliding, ice climbing, diving beyond 40m) only if explicitly added to the policy; otherwise excluded under general exclusion 9.

Clause 9Page 25

Section: Algemene uitsluitingen

Het beoefenen van Wintersport en Risicosporten, tenzij dit uitdrukkelijk is meeverzekerd.

Conditional

Pregnancy complications

Conditional

Normal pregnancy or delivery without complications is generally excluded; complications during pregnancy are not subject to this exclusion and would fall under the general 'sudden and unexpected' Medical Expenses cover as necessary costs.

Clause 3Page 25

Section: Algemene uitsluitingen

Normale zwangerschap of bevalling zonder complicaties. Is normale zwangerschap of bevalling zonder complicaties duidelijk vermeld als verzekerde gebeurtenis bij Annulering of Af- of onderbreking van de reis? Dan is dit wel verzekerd;

Optional

Liability for damage to rented accommodation

€500

The 'Aansprakelijkheid' module (optional, must appear on the policy schedule) covers liability for damage to rented accommodation (incl. a rented safe/locker lost key) up to €500 per event; it is not a general third-party personal liability cover.

Page 2

Section: Dekkingsoverzicht

Aansprakelijkheid Je bent aansprakelijk voor schade aan (eigendommen van) derden Schade aan een gehuurde accommodatie € 500,- per gebeurtenis

Optional

Legal assistance

€50K

Optional 'Rechtsbijstand' module via DAS: unlimited cover for DAS in-house specialists; for external legal help within Europe reimbursement is at cost price; outside Europe (if Worldwide cover selected) up to €50,000 (max €5,000 for contractual disputes); a €250 deductible applies if an external legal provider is engaged.

Page 23

Section: K. Rechtsbijstand > Maximum per schadegeval

buiten Europa (als je 'Werelddekking' hebt afgesloten): tot € 50.000,-. Voor contractuele geschillen geldt dan wel een maximum van € 5.000,-.

Covered

24/7 travel assistance

Covered

Allianz's assistance centre is reachable 24 hours a day worldwide via a multilingual team, helping find doctors/medical facilities, monitor hospital care, replace lost travel documents, arrange emergency translations and urgent messages.

Page 24

Section: M. Reisassistentie

We zijn 24 uur per dag bereikbaar voor je als je ons nodig hebt tijdens je reis. Waar je ook bent, we staan voor je klaar. We hebben een wereldwijd netwerk en teams van medewerkers die verschillende talen spreken.

Key conditions

Assistance call deadline

Emergencies must be reported as soon as possible: death within 24 hours (phone/e-mail), hospitalization over 24 hours within 7 days of admission, all other claims within 28 days of first returning to the Netherlands (extendable to 180 days for valid reasons).

Unauthorized treatment

Evacuation, repatriation and related transport must be arranged and pre-authorized via the assistance centre; if transport is not approved/arranged by Allianz in advance, reimbursement is limited to what Allianz would have paid had it arranged the transport itself.

Purchase while abroad

Not specifically addressed; the policy only insures Dutch residents registered in the Basisregistratie Personen (BRP) who actually live in the Netherlands, and cover begins on the inception date shown on the policy schedule.

Chronic conditions

Not addressed as a separate category; chronic conditions fall under the general exclusion for damage, conditions or events already known, foreseeable or expected when the policy was taken out or the trip was booked.

Pregnancy

Normal pregnancy or delivery without complications is excluded, except where explicitly listed as an insured event under Cancellation or Interruption cover (e.g. discovering pregnancy after taking out the policy, or medically established complications).

Pre-existing condition exclusions

General exclusion 1 excludes any damage, condition or event that was already known, foreseeable or to be expected at the time the policy was taken out or the trip was booked.

Coverage duration limit

Standard maximum trip duration is 60 consecutive days unless a different number of days is stated on the policy schedule; if a covered event causes this to be exceeded, cover is automatically extended until return or admission to a medical facility becomes possible.

Direct payment

If hospital admission is required, Allianz Assistance can guarantee or advance payment directly to the hospital, if accepted, up to the maximum reimbursement for Medical Expenses.

Territorial scope

Cover also applies within the Netherlands during multi-day trips with accommodation (hotel, port, camping/bungalow park) or when a domestic leg is part of a foreign trip; SOS Autohulp only applies in countries listed on the vehicle's international insurance card (green card).

Documents

Terms and Conditions - Doorlopende Reis- en Annuleringsverzekering (DRAV23) (opens in a new tab)

Terms & conditions · PDF

Coverage overview table (Dekkingsoverzicht) within DRAV23 (opens in a new tab)

Table of benefits · PDF

Overview of all Allianz Assistance policy terms and insurance product information cards (opens in a new tab)

Other document · PDF

Policy specifics

Medical expenses abroad

Coverage for medical costs incurred during travel outside the Netherlands, including hospital visits, medical treatment, and emergency care

Source

SOS Assistance and Emergency Support

24/7 emergency assistance service for medical emergencies, repatriation coordination, and support to family members at home

Source

Medical repatriation and evacuation

Coverage for emergency medical transportation back to the Netherlands, including ambulance flights and medical escorts if needed

Source

COVID-19 quarantine and pandemic coverage

Coverage for extra travel and accommodation costs if quarantined due to COVID-19 infection during trip

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Extra costs due to quarantine

If quarantine due to a contagious, epidemic or pandemic disease (e.g. COVID-19) causes trip delay or interruption, extra travel and accommodation costs are reimbursed under the Delay and Interruption covers, subject to specific individual-quarantine conditions.

Source

Maximum trip duration per journey

Coverage is limited to consecutive trip duration; default maximum is 60 days per journey, extendable to 180 days by request

Source

Pre-existing medical conditions

Any damage, condition or event that was already known, foreseeable or to be expected when the policy was taken out or the trip was booked is excluded.

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Assistance centre authorization requirement

Medical treatment and evacuation must be authorized and arranged in advance through Allianz assistance centre; unauthorized treatment may result in reduced or denied reimbursement

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Coverage territory (Europe or Worldwide)

Policyholder chooses coverage region at inception: Europe/Mediterranean or Worldwide. Default is typically Worldwide for continuous policies

Source

Premium payment required before coverage becomes effective

Full premium must be paid before policy inception date; coverage does not begin until payment is received and processed

Source

Sources