Algemene Zeeuwse Verzekering Maatschappij N.V. (trade name of Goudse Schadeverzekeringen N.V.)
De Zeeuwse
De Zeeuwse is a travel insurance for the Netherlands market with no online purchase and 24/7 assistance.
Direct payment
For medical expenses abroad, the policyholder must first submit invoices to their Dutch health insurer; De Zeeuwse only reimburses costs that the Dutch health insurer does not cover, after documentation is submitted. For buitengewone kosten (repatriation, evacuation, extra travel/accommodation costs) the De Zeeuwse Alarmcentrale arranges and pays for necessary assistance directly with providers once prior authorization is given. For legal assistance, BrandMR advances court/legal costs and can advance a foreign guarantee deposit (waarborgsom) up to €25,000, to be repaid by the policyholder if refunded by the foreign authority.
Geographic scope
Europe or Worldwide (selectable at policy inception, changeable annually)
Cover under the Europe option includes countries bordering the Mediterranean, Baltic and Black Sea (e.g. Turkey, Israel, Egypt, Morocco, Tunisia); the Worldwide option extends cover globally. Automobilistenhulp (roadside assistance) is valid only in a specified list of European countries and Morocco. Reduced or no cover applies to areas under an orange or red Dutch government travel advisory.
Unique selling points
- Baggage claims carry no deductible at all ('Er geldt geen eigen risico bij schade aan uw bagage'), unlike many competing policies.
- Legal assistance within Europe is unlimited in cost when handled by BrandMR's own in-house lawyers, rather than being capped at a fixed sum.
- A dedicated De Zeeuwse Alarmcentrale is available to arrange and pay for medical evacuation, repatriation and roadside assistance directly with providers.
- Veterinary costs for a pet falling ill while travelling abroad are reimbursed up to €115, a benefit rarely offered by standard travel policies.
- If the driver of the insured vehicle falls ill, dies, or is detained abroad, the alarm centre can arrange a replacement driver to bring the car and passengers home.
Coverage limits
Medical expenses abroad
Conditional
Covers medically necessary treatment costs abroad resulting from an accident, illness or pregnancy that arose during the trip and were unforeseeable. Cover applies only supplementary to the policyholder's mandatory Dutch health insurance (only costs not reimbursed by it are covered); no fixed monetary cap is stated. Voluntary excess on the Dutch health policy is not reimbursed.
Emergency medical treatment
Conditional
Emergency treatment (doctor consultation, hospital admission) abroad is covered under the same 'geneeskundige kosten' benefit as general medical expenses. Prior authorization from the De Zeeuwse Alarmcentrale is required; if this is not possible, reimbursement is capped at what would have been paid had the alarm centre been contacted.
Hospitalization abroad
Conditional
Hospital admission abroad is covered under 'geneeskundige kosten' with no separately stated cap, subject to Dutch health insurance coordination and alarm-centre authorization. If treatment (including hospitalization) is expected to last 7 days or more and there is no elevated medical risk from travelling back, De Zeeuwse may require the patient to be repatriated for treatment in the Netherlands.
Outpatient treatment abroad
Conditional
Outpatient/ambulatory medical treatment abroad is covered under the general 'geneeskundige kosten' benefit, supplementary to Dutch health insurance, with no separate cap stated. Routine check-ups, vaccinations, physiotherapy and alternative medicine are excluded.
Emergency dental treatment
€225
Urgent dental treatment abroad that cannot be postponed until return to the Netherlands is covered up to €225. Separately, dental damage to natural teeth, crowns or post-teeth caused directly by an accident is covered up to €450.
Medical transport
Covered
Transport costs by ambulance aircraft or other medically necessary transport, including necessary medical escort, are covered as part of buitengewone kosten with no stated cap, subject to prior authorization by the De Zeeuwse Alarmcentrale medical adviser.
Medical evacuation / repatriation to the Netherlands
Covered
If, in the event of serious injury or illness, medical repatriation to the Netherlands is necessary to save life, avoid or reduce serious health complaints, or avoid/reduce invalidity, the costs of ambulance-aircraft transport and necessary escort are covered with no stated cap, subject to alarm-centre authorization.
Repatriation of remains
Covered
If the insured dies abroad, transport of the body to the Netherlands is covered with no stated cap. Alternatively, if burial or cremation takes place abroad, costs are reimbursed up to the amount that would have been paid for repatriation of the body to the Netherlands.
Search and rescue costs
Covered
Necessary costs of search, rescue or salvage if the insured is missing or has had an accident are covered with no stated cap, provided the search, rescue or salvage is carried out by an official authority.
COVID-19 treatment
No limit stated
The reviewed policy documents do not mention any COVID-19-specific provision, exclusion or cap; general medical-expenses terms would apply as with any illness, but this is not explicitly confirmed in the source.
Pre-existing conditions
Conditional
Costs arising from illness, defects or conditions that already existed or caused complaints on or before the trip's start date are excluded from buitengewone kosten, and are excluded from medical costs unless the policyholder can prove the costs were unexpected or unforeseeable at the time of travel.
Winter sports cover
Optional
Only in Wintersport
Optional add-on that must be listed on the policy schedule. Without it, buitengewone kosten, medical costs, accident benefits and (if selected) extra baggage cover related to winter sports accidents are excluded. With it, accident death/invalidity payouts up to €25,000/€75,000 apply, and cover extends to skiing on domestic or foreign indoor/outdoor ski slopes. Dangerous winter sports (e.g. off-piste without a guide, ski-alpinism, heli-skiing) remain excluded even with this add-on.
Adventure sports cover
Optional
Only in Avontuurlijke Sporten
Optional add-on that must be listed on the policy schedule, covering buitengewone kosten, medical costs, accident benefits, legal assistance and (if selected) baggage for incidents during listed adventure sports (e.g. rock climbing, rafting, kitesurfing, scuba diving up to 40m). Accident payouts are capped lower than the standard amounts (up to €10,000 for death/invalidity). Genuinely dangerous sports (e.g. off-piste skiing, deep/cave/ice diving, combat sports) are never covered even with this add-on.
Pregnancy complications
Conditional
Medical costs arising from pregnancy are covered as part of geneeskundige kosten only if there are complications; normal pregnancy and delivery costs without complications are explicitly excluded.
Personal liability
No limit stated
Personal liability is not part of the Doorlopende Reisverzekering; it is a separate base policy ('Aansprakelijkheid particulier') within the broader Privé Pakket Online, not covered by the travel-medical terms reviewed.
Legal assistance while travelling
unlimited
Legal assistance (recovery of damages, criminal defence, contract disputes) is provided by Brandmeester Advocaten en Juristen B.V. (BrandMR). Within Europe, cover is unlimited when handled by BrandMR's own in-house lawyers and experts and Dutch/European courts have jurisdiction; if external advocates/experts are used, or the matter is outside Europe (excluding non-European Mediterranean countries), the maximum is €5,000. BrandMR can also advance a foreign guarantee deposit (waarborgsom) up to €25,000 per event.
24/7 emergency assistance
Covered
The De Zeeuwse Alarmcentrale (tel. +31 118 226 999) must be contacted in advance for buitengewone kosten, medical treatment/hospitalization abroad, repatriation, and early return on medical grounds; a separate line, De Zeeuwse Alarmcentrale Verkeer (+31 70 314 56 70), handles immediate legal assistance after a traffic accident abroad.
Key conditions
Assistance call deadline
The De Zeeuwse Alarmcentrale (+31 118 226 999) must be contacted and asked for permission in advance of incurring buitengewone kosten or seeking medical treatment/hospitalization; if this is impossible, reimbursement is capped at the amount that would have been paid had the centre been contacted. In case of death by accident, the alarm centre must be informed at least 48 hours before the funeral or cremation.
Unauthorized treatment
There is no fixed monetary penalty stated; however, if the Alarmcentrale is not contacted in advance where required, reimbursement is limited to what would have been paid had prior authorization been obtained, and generally, non-compliance with policy obligations can lead to a reduced or forfeited claim under the General Terms.
Purchase while abroad
The source documents do not explicitly address purchasing or extending this policy while already abroad. Eligibility does require that the insured is registered in the Dutch Basisregistratie Personen (BRP) with the Netherlands as their fixed residence; a change of fixed residence to abroad must be reported and ends the cover for all insureds.
Chronic conditions
Costs from illness, defects or conditions that already existed or caused complaints on or before the trip's start date are excluded from buitengewone kosten, and excluded from medical costs unless the policyholder can prove the costs were unforeseeable when travelling.
Pregnancy
Costs of normal pregnancy and delivery are excluded; costs arising from pregnancy complications are covered under geneeskundige kosten and, if serious, may also justify trip cancellation, curtailment or annulering claims (if that add-on is selected).
Pre-existing condition exclusions
Excluded from buitengewone kosten in all cases; excluded from medical costs unless the policyholder proves the costs were unexpected/unforeseeable at the time of departure.
Coverage duration limit
Trips are covered up to a maximum of 120 consecutive days. Internship/school/study trips abroad are covered only up to 45 consecutive days (no cover at all from day one if this is exceeded). A separate market source indicates the standard 120-day limit can be extended to 180 days on request.
Policy specifics
Extraordinary costs during travel
Covers unexpected additional travel and accommodation expenses due to accident, illness, or death
SourceWinter and adventure sports medical coverage
Optional add-on coverage for medical costs resulting from accidents during winter sports and adventure sports activities
SourceAccident coverage
Coverage for death or permanent disability resulting from accident during travel
SourceCoverage in risk areas (travel advisory restrictions)
Limited or no coverage for travel to areas with government travel advisories (orange or red codes)
SourceInsurers' association documentMaximum trip duration
Limit on duration of single continuous trip covered under policy
SourceInsurers' association documentValid Dutch health insurance requirement
Medical expenses coverage only applies when policyholder is enrolled with valid Dutch health insurance (zorgverzekeraar)
SourceAlarm center coordination mandatory
For medical incidents and emergencies, policyholders must contact De Zeeuwse Alarm Center before seeking treatment to ensure coverage and cost authorization
SourceCoverage area selection (Europe or Worldwide)
Policyholders select coverage area: Europe or Worldwide; European coverage includes Mediterranean rim countries (Turkey, Israel, Egypt, Morocco, Tunisia)
SourceFamily coverage eligibility
Policy can cover entire family: policyholder, spouse/partner, and children (including adult children under certain conditions)
SourceMinimum treatment duration for repatriation coverage
Repatriation/return travel costs only covered when medical treatment duration is expected to be 7+ days, including hospitalization
SourceCarelessness exclusion for baggage loss/theft
Policy does not reimburse theft or loss of baggage/valuables when policyholder has not exercised reasonable care or left items unattended
SourceProfessional work/business travel exclusion
Travel undertaken for paid work or business activities is excluded unless specific work-related extension is purchased
SourceBaggage not covered on day trips
Baggage insurance does not apply to domestic day trips (travel with no overnight stay in foreign country)
SourceNo deductible on medical costs
Medical expenses coverage has zero deductible; policyholders pay no out-of-pocket deductible for covered medical treatment
Source