ANWB B.V. (Royal Dutch Touring Club ANWB)
ANWB
ANWB is a travel insurance for the Netherlands market with online purchase and 24/7 assistance.
Direct payment
Medical costs abroad should generally be claimed first with the insured's Dutch health insurer (zorgverzekering); the health insurer settles any additional costs directly with Unigarant/ANWB under the Convenant Samenloop Reis- en Zorgverzekeringen, so the insured does not need to handle this administration themselves.
Geographic scope
Choice of Europe (including non-EU Mediterranean countries) or Worldwide coverage
Europe cover includes the Mediterranean non-EU countries (Algeria, Egypt, Israel, Lebanon, Libya, Morocco, Syria, Tunisia); Worldwide cover applies globally. The travel-agency-only Compact variant offers Europe cover only.
Unique selling points
- The ANWB Continuous Travel Insurance (Compleet variant) has been rated best in its category by the Dutch Consumers' Association (Consumentenbond) for 15 consecutive tests.
- ANWB members automatically receive a 5% membership discount on the travel insurance premium.
- The ANWB Emergency Centre (Alarmcentrale) provides 24/7 assistance and advice anywhere in the world, included as standard.
- Standard baggage cover of €1,100 per item can be extended with an optional add-on to €3,500 per travel party per trip.
- Customers can flexibly choose between Europe-only or Worldwide geographic cover and combine multiple optional add-ons to tailor the policy to their travel habits.
Coverage limits
Medical expenses abroad
Optional
Optional add-on covering the gap between what the Dutch health insurer reimburses at Dutch tariff rates and the actual medical costs incurred abroad, plus the statutory deductible (€385). Not available in the domestic-only sense in the Compact variant, where medical costs incurred inside the Netherlands are not covered.
Emergency/unforeseen medical treatment abroad
Optional
Covers necessary, unforeseen medical help abroad that cannot wait until return to the Netherlands, under the optional medical expenses add-on; the ANWB Emergency Centre should always be contacted first.
Hospitalization and surgery
Optional
The optional medical expenses add-on reimburses hospital admission (ziekenhuisopname) and surgery costs incurred abroad, alongside doctor/dentist visits, prescribed treatments, tests and medicines, and X-rays.
Outpatient doctor visits and prescribed treatment
Optional
The optional medical expenses add-on reimburses costs of doctor/dentist visits, treatments, examinations and medicines prescribed by a doctor/dentist, and X-rays incurred while abroad.
Emergency dental treatment
Optional
Dentist visits are reimbursed under the medical expenses add-on; if an accident abroad causes dental damage requiring further treatment, this may also be completed with the insured's own dentist in the Netherlands within a set period after the accident.
Medical transport / return-journey medical escort
Covered
Included in the base assistance cover: the ANWB Emergency Centre arranges and provides necessary medical guidance during the return journey and gives advice in case of accident, illness or death.
Medical evacuation / rescue action
Covered
Included base assistance cover: the ANWB Emergency Centre provides advice and help for example in the event of an accident or illness, a rescue action, or death.
Repatriation in case of death
Covered
Included base assistance cover: the ANWB Emergency Centre provides advice and help in the event of death during the trip, as part of the standard emergency assistance and unforeseen expenses cover.
Search and rescue action
Covered
Included in the base assistance cover for accidents, illness or a rescue action (e.g. helicopter rescue); for rescue arising specifically during winter sports/adventure sports the optional winter sports and special sports add-on applies instead.
Winter sports and special sports cover
Optional
Optional add-on covering damage or theft of sports equipment, rental of replacement equipment, and unforeseen expenses such as helicopter transport during winter sports and other listed special sports. Medical costs are not covered by this add-on itself, so the medical expenses add-on should also be taken.
Special/adventure sports cover
Optional
Part of the same optional winter sports and special sports add-on, covering sports such as abseiling, parachuting, rafting, skiing or land sailing; only sports listed in ANWB's special sports list are covered.
Liability for damage to rented holiday accommodation
€1,100
Included as standard: liability for damage caused by the insured to rented holiday accommodation, up to a maximum of €1,100; also covers lost accommodation keys, only unintentional damage is covered.
Travel legal assistance
Optional
Optional add-on providing legal advice and help during the trip, including for matters that still need to be settled after the trip; not needed if the insured already has a separate legal expenses policy.
24/7 ANWB Emergency Centre assistance
Covered
Included as standard: the ANWB Emergency Centre (Alarmcentrale) is available 24/7 for advice and help, e.g. in the event of an accident, illness, death or a rescue action.
Key conditions
Assistance call deadline
Some costs are only reimbursed after prior contact with the ANWB Emergency Centre; in case of damage or medical costs the Emergency Centre should be called as soon as possible.
Unauthorized treatment
The insurer advises always consulting the ANWB Emergency Centre first before incurring medical costs; the sources reviewed do not specify an exact financial penalty for skipping this step, only that certain costs require prior Emergency Centre involvement to be reimbursed.
Purchase while abroad
Not explicitly specified in the reviewed sources.
Chronic conditions
Not explicitly specified in the reviewed sources.
Pregnancy
Not explicitly specified in the reviewed sources.
Pre-existing condition exclusions
Not explicitly specified in the reviewed sources.
Coverage duration limit
The Doorlopende (annual) Reisverzekering covers trips for a maximum of 60 consecutive days per trip as standard, or up to 180 days with an optional extension, renewable after one year; the Kortlopende (single-trip) Reisverzekering covers one specific trip of up to 180 days chosen at purchase.
Where to buy
Documents
Insurance Product Information Document – ANWB Continuous Travel Insurance
IPID
Insurance Product Information Document – ANWB Single-Trip Travel Insurance
IPID
Terms and Conditions – ANWB Single-Trip Travel and Cancellation Insurance
Terms & conditions
Terms and Conditions – Unigarant Continuous Travel and Cancellation Insurance (DRA UGK)
Terms & conditions
Overview of travel insurance coverages
Other document
Index of ANWB policy terms and conditions
Other document
Policy specifics
Medical expenses optional coverage
Optional add-on coverage for medical expenses incurred abroad that exceed Dutch health insurance tariffs
SourceBaggage coverage optional
Optional coverage for damage, theft, or loss of personal luggage and belongings during travel
SourceEmergency assistance and unforeseen expenses
Standard coverage for 24/7 emergency assistance including repatriation, medical guidance, and replacement transport
SourceRented accommodation damage coverage
Standard coverage for damage to rented holiday accommodation caused by insured person's negligence. Maximum €1,100
SourceGeographical coverage: Europe or Worldwide
Choice between Europe coverage (including Mediterranean countries) or worldwide coverage
SourceCompact vs Compleet product variant
When taken out via a travel agency, customers can choose the Compact variant instead of Compleet. Compact offers Europe-only cover, limited baggage insurance options, and lower reimbursement limits than Compleet across several coverages.
SourceInsurers' association documentANWB Emergency Centre notification required for medical claims
When incurring medical expenses abroad, the ANWB Emergency Centre must always be contacted to ensure proper authorization and reimbursement
SourceDutch health insurance requirement for some coverages
Medical cost coverage requires the insured person to have a Dutch health insurance policy
SourceInsurers' association documentClaims notification through Mijn ANWB portal or Alarm Centre
Insured can report most damage claims online via Mijn ANWB portal or by contacting ANWB Alarm Centre 24/7
SourceMaximum continuous trip duration
For doorlopende (annual) reisverzekering: maximum 60 days per trip (standard) or 180 days per trip (optional)
SourceSources
- https://verzekeringskaarten.nl/anwb/Doorlopendereis
- https://www.anwb.nl/verzekeringen/reisverzekering
- https://www.anwb.nl/verzekeringen/reisverzekering/dekkingen/medische-kosten
- https://www.anwb.nl/verzekeringen/reisverzekering/doorlopend
- https://www.anwb.nl/verzekeringen/reisverzekering/veelgestelde-vragen
- https://www.anwb.nl/verzekeringen/reisverzekering/wereld-of-europadekking