Europeesche Travel insurance (Kortlopende Reisverzekering)
Underwritten by Europeesche Verzekeringen · Netherlands
travel insurance from Europeesche for the Netherlands market, with online purchase and 24/7 assistance.
Last verified Sep 2, 2026Sources
Unique selling points
No deductible (eigen risico) applies to medical expenses claims
Almost all sports, including abseiling and rafting, are covered by default without an extra module
Children up to 5 years old travel co-insured free of charge
24/7 Europeesche Hulplijn staffed via the SOS International Alarm Centre for emergencies abroad
Lost baggage is reimbursed at replacement (new-for-old) value for items up to 2 years old with no deductible under the Optimaal tier
Coverage limits
Medical expenses
Conditional
No limit stated
Covers emergency and unexpected medical treatment costs abroad, supplementary to Dutch basic health insurance. This is a paid add-on module in the Basis and Comfort tiers, but is included by default in the Optimaal tier. A valid Dutch basic health insurance policy is required.
Section: Wat kost het? > Wat kost onze kortlopende reisverzekering?
Met de dekking Geneeskundige kosten ben je verzekerd voor de spoedeisende medische kosten die je zorgverzekering niet vergoedt. Bij de basisdekking Optimaal zijn geneeskundige kosten standaard meeverzekerd. Let op: je moet een geldige basis zorgverzekering in Nederland hebben.
Emergency medical treatment
Conditional
No limit stated
Emergency treatment costs are covered under the Geneeskundige kosten module, subject to the same tier-dependent conditions as medical expenses
Section: Wat kost het? > Wat kost onze kortlopende reisverzekering?
Met de dekking Geneeskundige kosten ben je verzekerd voor de spoedeisende medische kosten die je zorgverzekering niet vergoedt.
Hospitalization
No limit stated
No specific hospitalization sub-limit was found in the reviewed sources
Outpatient treatment
No limit stated
No specific outpatient sub-limit was found in the reviewed sources
Emergency dental treatment
No limit stated
No specific dental sub-limit was found in the reviewed sources
Medical transport
Covered
Arranging necessary medical transport during illness, accident or death abroad is part of the standard Personenhulp (personal assistance) provided via the Europeesche Hulplijn/SOS International in all tiers; no specific monetary cap was found
Medical evacuation
Covered
Evacuation/repatriation assistance in case of serious illness, accident or death is arranged via the Europeesche Hulplijn/SOS International as part of standard Personenhulp; no specific monetary cap was found
Repatriation of remains
Covered
Assistance in case of death of the insured or a close relative abroad, including arrangements around repatriation, is part of standard Personenhulp via SOS International in all tiers; no specific monetary cap was found
Search and rescue
No limit stated
No specific search and rescue coverage or limit was found in the reviewed sources
COVID-19 treatment
No limit stated
No specific COVID-19 treatment provision or limit was found in the reviewed sources
Pre-existing conditions
No limit stated
No specific provision for pre-existing medical conditions was found in the reviewed sources
Winter sports cover
Optional
Skiing and snowboarding require a separate optional module (Skiën en snowboarden); if Geneeskundige kosten, Bagage or Ongevallen are also selected, these apply to winter sports incidents too
Section: Wat kost het? > Wat kost onze kortlopende reisverzekering?
Heb je ook de aanvullende dekkingen Geneeskundige kosten, Bagage of Ongevallen gekozen? Dan gelden deze dekkingen ook voor schades die het gevolg zijn van skiën of snowboarden.
Adventure/extreme sports cover
Conditional
Practicing regular sports while travelling (e.g. walking, cycling, surfing) is covered by default; extreme sports and high-risk activities are excluded unless specifically stated in the policy conditions
Veel sporten zijn verzekerd, ook abseilen en raften
Pregnancy complications
No limit stated
No specific provision for pregnancy complications was found in the reviewed sources
Personal liability
No limit stated
No personal liability coverage was found for this product in the reviewed sources
Legal assistance
Conditional
No limit stated
Optional Rechtsbijstand cover provided by DAS specialists is available as an add-on in Basis/Comfort and included by default in Optimaal; no monetary limit is stated in the insurer's own documents.
Section: Aanvullende dekkingen > Rechtsbijstand
Bij de basisdekking Optimaal is rechtsbijstand standaard meeverzekerd.
Key conditions
Assistance call deadline
Policyholders are advised to call the Europeesche Hulplijn as soon as possible during a medical emergency abroad, ideally before treatment costs are incurred, so the helpline can refer them and confirm coverage
Unauthorized treatment
The reviewed sources do not specify a concrete financial penalty for seeking treatment without first contacting the Europeesche Hulplijn
Purchase while abroad
Not specified in the reviewed sources whether this policy can be purchased while already abroad
Chronic conditions
Not specified in the reviewed sources how chronic diseases are treated under this policy
Pregnancy
Not specified in the reviewed sources how pregnancy-related medical costs are treated under this policy
Pre-existing condition exclusions
Medical expense coverage applies as a supplement to a valid Dutch basic health insurance policy; the reviewed sources do not further specify treatment of pre-existing conditions
Coverage duration limit
A single trip may last a maximum of 180 consecutive days; this limit applies the same across all tiers (Basis, Comfort, Optimaal).
SourceSection: Basis / Comfort / Optimaal
Verzekerd tot 180 dagen op reis
Direct payment
Policyholders are advised to call the Europeesche Hulplijn before seeking treatment; if referred to a trusted local doctor via the helpline, the policyholder may not need to pay directly for the treatment
Territorial scope
Europe coverage extends east to the Ural and Caucasus (including Georgia, Armenia, Azerbaijan) and west to Iceland, Madeira, the Azores and the Canary Islands, plus Cyprus and non-European Mediterranean countries; in the Netherlands cover only applies with at least one paid overnight stay
Documents
Terms and Conditions - Kortlopende Reisverzekering (opens in a new tab)
Terms & conditions · PDF
Insurance Product Information Document - Kortlopende Reisverzekering (opens in a new tab)
Product information sheet · PDF
Insurance Product Information Document - Kortlopende Reisverzekering (verzekeringskaarten.nl) (opens in a new tab)
Product information sheet · PDF
Policy specifics
Baggage coverage
Coverage for loss, theft, or damage to luggage and travel documents during the trip
SourceSection: Wat kost het? > Wat kost onze kortlopende reisverzekering?
Tot € 1.000 verzekerd, met een eigen risico van € 100 bij de basisdekking Basis
Personal assistance
24/7 emergency assistance through the Europeesche Helpline for illness, accident, or death of insured or close relatives abroad
SourceCoverage territory
Choice between Europe-only or World coverage for the short-term trip
SourceSection: Wat kost het? > Wat kost onze kortlopende reisverzekering?
Bij het bepalen van je premie kijken we bijvoorbeeld naar: Het aantal verzekerde personen De dekking die je hebt gekozen Het dekkingsgebied
Maximum trip duration
Each trip can last up to 180 consecutive days on all tiers (Basis, Comfort, Optimaal).
SourceSection: Basis / Comfort / Optimaal
Verzekerd tot 180 dagen op reis
Sports and activity coverage
Standard coverage for common sports (walking, cycling, surfing); skiing/snowboarding requires separate coverage
SourceVeel sporten zijn verzekerd, ook abseilen en raften
Children coverage
Children up to 5 years are free covered when accompanying insured; unlimited coverage as child grows
SourceKinderen tot 5 jaar zijn gratis verzekerd
Dutch health insurance requirement
Medical expense coverage only applies if policyholder has valid Dutch basic health insurance
SourceInsurers' association documentMedical claim procedure
Medical bills must first be submitted to Dutch health insurer; Europeesche reimburses uncovered amounts
SourcePage 1Section: 1 Algemeen > Belangrijk
Bij medische kosten stuurt u alle nota’s eerst naar uw zorgverzekeraar. Het vergoedingenoverzicht waarop staat wat de zorgverzekeraar niet vergoedt stuurt u naar ons. Op deze manier gaat de afhandeling van uw claim het snelst.
Trip duration counting
Premium calculated based on number of vacation days selected by policyholder at time of purchase
SourceCoverage level variants
Three coverage tiers: Basis (core personal assistance only), Comfort (medium coverage options), Optimal (most comprehensive including baggage standard)
SourceSection: Wat kost het? > Wat kost onze kortlopende reisverzekering?
Tot € 1.000 verzekerd, met een eigen risico van € 100 bij de basisdekking Basis Tot € 3.000 verzekerd, met een eigen risico van € 50 bij de basisdekking Comfort Tot € 5.000 verzekerd, zonder eigen risico bij de basisdekking Optimaal
Claims settlement timeline
Compensation is paid within 10 working days when claim form is complete and no additional information is needed
SourcePage 1Section: 1 Algemeen > Belangrijk
De uitkering van een schadevergoeding vindt binnen 10 werkdagen plaats. Mits het schadeformulier volledig is ingevuld en er geen aanvullende gegevens meer nodig zijn.
Sources
Europeesche Travel insurance