Travel insurance
4 insurers with verified coverage data
Build a multi-insurer comparison
Comparison builder
Build a multi-insurer comparison
Select up to 4 insurers and compare them row by row. The matrix helps shortlist; each column still links to a full detail page.
Selected insurers 4/4
Add insurers to the matrix
32 of 33 rows shown
| Feature / category | Avéro Achmea ParticulierOpZeker May 15, 2026 Open details | a.s.r. May 15, 2026 Open details | OHRA May 15, 2026 Open details | Nationale-Nederlanden May 15, 2026 Open details |
|---|---|---|---|---|
| Overview | ||||
Insurer | Avéro Achmea | ASR Schadeverzekering N.V. | OHRA Schadeverzekeringen (Nationale-Nederlanden Schadeverzekering Maatschappij N.V.) | Nationale-Nederlanden Schadeverzekering Maatschappij N.V. |
Online purchase | No | Yes | Yes | Yes |
24/7 helpline | Yes | Yes | Yes | Yes |
Billing basis | annual | annual | annual | annual |
Unique selling points |
|
|
|
|
IPID | IPID | IPID | Not available | IPID |
Terms & conditions | ||||
| Coverage | ||||
Medical expenses | Optional | Optional | Optional | Optional |
Medical transport | Optional | unlimited | unlimited | unlimited |
COVID-19 treatment | COVID-19 treatment may be covered as an unexpected illness under the medical expenses add-on, provided the insured meets all conditions: the illness is unexpected, the insured holds Dutch health insurance, and prior alarm center contact is made. No explicit COVID-19 clause exists in the source documents; coverage follows general medical expenses rules. | Not explicitly named as a separate coverage. COVID-19 may be covered under the optional Keuzedekking Geneeskundige kosten as an acute illness requiring sudden medical treatment during travel, subject to the same conditions (prior approval by Alarm Centre, supplementary to Dutch health insurance, treatment must be urgent and cannot wait until return). Pre-existing known COVID-19 conditions or travel specifically for COVID treatment would be excluded. | COVID-19 is not explicitly mentioned in the policy terms. Medical treatment for COVID-19 would fall under the optional Module Geneeskundige Kosten if the illness arose unexpectedly during the trip and the insured did not know treatment would be required before departure, consistent with the general conditions of medically necessary treatment abroad. | COVID-19 is not explicitly mentioned in the policy terms. Treatment for COVID-19 abroad may be covered under Module Medische kosten as a medically necessary illness requiring treatment during the trip, provided it was not foreseeable before departure and was not a pre-existing condition. Standard exclusions apply (e.g., treatment foreseeable before the trip, pre-existing conditions with predictable complaints). |
Personal liability | Excluded | €300 | €1,250 | €1,250 |
Emergency dental | Optional | Optional | Optional | Optional |
Search & rescue | unlimited | unlimited | unlimited | unlimited |
Legal assistance | Excluded | Excluded | Not offered | Not offered |
Emergency medical treatment | Optional | unlimited | Optional | Optional |
Hospitalization | Optional | Optional | Optional | Optional |
Outpatient treatment | Optional | Optional | Optional | Optional |
Medical evacuation | unlimited | unlimited | unlimited | unlimited |
Repatriation of remains | unlimited | unlimited | €5,700 | unlimited |
Pre existing conditions | Excluded | Excluded | Excluded | Excluded |
Winter sports cover | Optional | Optional | Covered | Optional |
Adventure sports cover | Optional | Optional | Excluded | Excluded |
Pregnancy complications | Medical complications of pregnancy that are so serious that the insured cannot travel or cannot continue travelling may be covered under the medical expenses add-on, provided the complication is unexpected and arose after the trip was booked. Routine pregnancy care and planned interventions are not covered. Under the cancellation coverage, pregnancy complications are separately a covered cancellation reason. | Covered | Costs arising from complications of an existing pregnancy are covered under the Module Geneeskundige Kosten, provided the complications were unforeseeable and it was not possible to postpone treatment until after return to the Netherlands. Routine costs related to a known pregnancy are excluded. Pregnancy complications are also a valid reason for trip cancellation under the Module Annulering. | Medical costs related to an existing pregnancy are generally not covered. However, costs resulting from complications of an existing pregnancy ARE covered, provided: (1) the complications were not foreseeable, and (2) it was not possible to postpone the treatment until after return to the Netherlands. Routine pregnancy-related treatment and treatment foreseeable before departure are excluded. Under the cancellation module, a doctor's advice against travel for medical reasons related to pregnancy, or unforeseen medical complications of the pregnancy, are insured cancellation events. |
| Key conditions | ||||
Assistance call deadline | The insured must contact the alarm center immediately when help is needed and follow their instructions. For hospitalization, the alarm center must be notified in advance or, if not possible, within one week. For other costs, notification must occur as soon as possible, and in any case within 2 weeks. If prior approval was not possible to obtain, the insured must be able to prove this; costs reimbursed are then limited to what the alarm center would have arranged in the same situation. | The insured must contact the Alarm Centre as soon as possible, if possible before costs are incurred, whenever abroad with a serious illness, serious accident or hospitalisation. Prior approval from the Alarm Centre is required for all assistance and cost-making. If no one can reasonably call the Alarm Centre, cover still applies up to the amount that would have been reimbursed had the Alarm Centre been engaged. | The insured must contact the OHRA Hulpdienst as soon as possible in the event of an emergency. Failure to comply with this obligation may result in no assistance being provided and no costs being reimbursed. For the Module Geneeskundige Kosten, medical costs must be incurred with the prior approval of the OHRA Hulpdienst. | In urgent situations, the insured must contact the Alarmcentrale (+31 26 400 2390) as soon as possible. Extra costs (e.g., medical visits, hospitalisation) must always be pre-authorised by the Alarmcentrale. Failure to comply may result in the Alarmcentrale refusing to provide (further) assistance or reimbursement of costs. |
Purchase while abroad | The medical expenses add-on (Geneeskundige kosten) is not available for purchase while already abroad; it must be part of an existing continuous travel insurance policy (doorlopende reisverzekering). The policy must have been taken out before the trip started. Changes to coverage while abroad are generally not possible. | The policy must be in force before departure. The policy is a continuous (doorlopende) annual policy; it cannot be taken out after the start of a trip for coverage on that trip. Coverage is valid from the moment the insured leaves home for a trip until return to the home address, provided both departure and return fall within the policy term. | The policy must be taken out before departure. It is not possible to take out or expand the insurance while already on a trip abroad (during the trip you cannot expand the coverage). The insurance is valid for recreational travel and also for internships or study abroad. | The Doorlopende Reisverzekering is an annual policy and cannot be taken out while already abroad. It must be concluded in the Netherlands before departure. The Module Annulering must be taken out either at the time of booking or within 14 days of booking to cover that trip. |
Chronic conditions | Chronic diseases are not explicitly addressed by name in the policy. However, pre-existing conditions or known illnesses are excluded: the insured must not have known or been able to foresee that medical expenses would arise during the trip. This effectively excludes coverage for flare-ups of chronic conditions that were already known at the time of booking. | Chronic or pre-existing conditions that the insured was already being treated for abroad before the start of the trip are excluded. Medical costs that the insured knew before or at the start of the trip would need to be incurred are also excluded. If the damage did not arise from the pre-existing condition, coverage may still apply. | Chronic diseases or pre-existing conditions that existed before or on the start date of the trip are excluded under the Module Geneeskundige Kosten. If it was already known before the trip that medical treatment would be required during the trip, no reimbursement is available. | Chronic diseases are not explicitly mentioned, but the general exclusion for pre-existing conditions applies: medical costs are not covered if the insured was already ill or had a condition before the trip that caused foreseeable complaints during the trip. Treatment for conditions for which the insured was already being treated abroad before the trip is also excluded under Module Hulpverlening. |
Pregnancy | Pregnancy itself is not covered as a medical expense unless unexpected complications arise that prevent travel or require emergency treatment that cannot be postponed. The insured must not have known at the time of booking that medical treatment would be needed. Under the cancellation coverage, an insured who discovers a pregnancy after booking can cancel with coverage. Routine antenatal care is not covered. | Pregnancy complications during a trip are a covered ground for early return. Becoming pregnant (or a partner becoming pregnant) is a covered ground for trip cancellation. Medical costs related to pregnancy complications may be covered under the optional Keuzedekking Geneeskundige kosten, provided they are unexpected and medically necessary. | Costs related to a known/existing pregnancy are not covered under the Module Geneeskundige Kosten. Complications of an existing pregnancy are covered, provided the complications were unforeseeable and treatment could not be postponed until after return to the Netherlands. Pregnancy complications are also a valid reason for cancellation under the Module Annulering. | Regular pregnancy-related medical treatment is excluded. Unforeseen complications of an existing pregnancy are covered under Module Medische kosten, provided they were not foreseeable and treatment could not be postponed until after return to the Netherlands. A doctor's advice not to travel due to pregnancy-related medical reasons is a valid cancellation event under Module Annulering. |
Unauthorized treatment | If the insured obtains medical treatment without prior alarm center approval and cannot prove that prior approval was impossible, costs may not be reimbursed or may be limited to what the alarm center would have arranged in an equivalent situation (2nd class transport or economy class flight). The alarm center may also require the insured to see a jointly chosen physician. | If costs are incurred without prior approval from the Alarm Centre, reimbursement is limited to the maximum that would have been paid had approval been obtained. Failure to comply with obligations that damages ASR's interests may result in no reimbursement. | If the insured does not contact the OHRA Hulpdienst as required, or arranges their own assistance without authorisation, the OHRA Hulpdienst may refuse to provide or continue assistance and refuse to reimburse costs. The insured is also obliged to fully cooperate with the assistance process. | Medical costs incurred without prior authorisation from the Alarmcentrale may not be reimbursed. The Alarmcentrale determines which assistance is provided and which costs are covered. Self-arranged assistance without Alarmcentrale approval is not permitted. |
Pre existing conditions | Pre-existing conditions are explicitly excluded. If the insured had a pre-existing illness or condition, or traveled with the intention of receiving treatment, all related medical costs are excluded. Only unexpected new complaints or unexpected worsening of a condition after the trip was booked may potentially qualify, and only if the treatment cannot be postponed until return. The insured bears the burden of proving the unexpected nature of the condition. | Not covered: damage arising from a disease, condition or abnormality for which the insured (also) travelled abroad for treatment, or for which the insured was already under treatment abroad before the trip. If the damage did not arise from the pre-existing condition, coverage may still apply. For the cancellation add-on: conditions known within 90 days before taking out the add-on are excluded. | Medical costs for conditions that existed before or on the start date of the trip, or for which treatment was already known to be required, are explicitly excluded. Personal assistance (Persoonlijke hulpverlening) is also excluded for events related to a condition for which the insured was already being treated or intended to be treated abroad before the trip. | Medical costs are excluded if: (1) it was already known at the start of the insurance or the trip that treatment would be needed during the trip; (2) the insured was already ill or had a condition before the trip that caused foreseeable complaints during the trip; (3) the insured travelled with the (partial) aim of receiving (para)medical treatment; or (4) the treatment could be postponed until after return to the Netherlands. Under Module Hulpverlening, assistance is also excluded for events related to a condition for which the insured was already receiving treatment abroad or intends to receive treatment abroad. |
Coverage duration limit | The standard insured travel period is a maximum of 60 consecutive days per trip, unless a longer period is stated on the insurance certificate. Extensions to 180 or 365 consecutive days are available as optional upgrades. If the insured unexpectedly needs to stay longer and cannot leave, coverage continues until the insured is back home, provided they return as soon as possible. | The maximum trip duration is stated on the policy schedule: 60, 90 or 180 consecutive days. Coverage ends at 24:00 on the last day of the maximum trip duration. Coverage continues beyond the limit only if the trip is extended due to unforeseen delay beyond the insured's control, until the earliest possible moment of return home. | The insured is covered for a maximum of 365 consecutive travel days. If the trip unexpectedly lasts longer due to circumstances beyond the insured's control, coverage continues for as long as that situation persists. In the Netherlands, coverage applies only for booked trips with at least one paid overnight stay. | The maximum insured trip duration is stated on the policy schedule; the insured can choose between 90 or 180 consecutive days per trip. If a trip unexpectedly lasts longer than the maximum duration due to circumstances outside the insured's control, coverage continues for the duration of such circumstances. The annual policy itself renews each year; within the policy year, multiple separate trips can be covered as long as each trip does not exceed the chosen maximum consecutive duration. |
| Proof and next steps | ||||
Direct payment policy | Avéro Achmea can pay medical costs directly to the treating physician, dentist, or hospital. The insured must contact the alarm center as soon as possible, follow their instructions, and submit all invoices and payment receipts. In case of hospitalization, the alarm center must be notified in advance or within one week. | Medical costs are reimbursed as a supplement to the mandatory Dutch basic health insurance (zorgverzekering); ASR reimburses only what the Dutch health insurer does not or does not fully reimburse. All assistance must be coordinated through the Alarm Centre (SOS/Alarmcentrale, tel. +31 30 256 77 77) in advance; direct payment to providers is arranged through the Alarm Centre. | In emergencies, the OHRA Hulpdienst will advance hospital costs abroad if a guarantee is provided that the advance will be repaid as soon as possible after returning home, or if the Dutch basic health insurance (Basis Zorgverzekering) covers the costs. The OHRA Hulpdienst will also contact the health insurer to arrange direct payment of medical costs. | The Alarmcentrale can provide a guarantee to a medical institution that medical costs will be paid by this insurance, subject to prior approval. Medical costs must first be claimed from the Dutch health insurer; unreimbursed costs are then covered by NN. The policyholder must always contact the Alarmcentrale before incurring extra costs; unauthorised treatment may not be reimbursed. |
Last verified | May 15, 2026 | May 15, 2026 | May 15, 2026 | May 15, 2026 |