De Goudse Travel insurance (Doorlopende Reisverzekering)

Covers medically necessary costs abroad arising from an accident, illness or pregnancy that arose during the trip and were unforeseeable; only the portion not reimbursed by the insured's mandatory Dutch health insurance is paid, and invoices must first be submitted to the Dutch health insurer; necessary aids after treatment are capped at €100.

Emergency consultation with a doctor or specialist abroad is covered as part of the medical expenses benefit, provided the Goudse Alarmcentrale is contacted in advance for authorisation; a valid Dutch health insurance policy is required.

Hospital admission costs abroad are covered as part of the medical expenses benefit; prior authorisation from the Goudse Alarmcentrale is required, and only costs not covered by the Dutch health insurer are reimbursed. In life-threatening situations the insured must go straight to the nearest emergency department and call the Alarmcentrale within 48 hours of admission.

Outpatient doctor visits abroad are covered under the medical expenses benefit subject to the same conditions: prior Alarmcentrale authorisation and valid Dutch health insurance; only costs not covered by the health insurer are reimbursed.

Urgent dental treatment abroad that cannot be postponed until return to the Netherlands is covered up to €225,-. Accident damage to natural teeth, crowns or post-crowns is covered up to €50,- for necessary treatment; damage to dentures is only covered under the optional Baggage rider.

Necessary medical transport during treatment abroad (e.g. by ambulance aircraft or other medical transport, including required medical escort) is covered when medically necessary, subject to prior approval by the Goudse Alarmcentrale's medical adviser; no fixed maximum amount is stated.

If it is medically necessary for the insured to be transported back to the Netherlands (to save life, prevent/reduce serious health complaints, or prevent/reduce disability), the cost of an air ambulance or other suitable medical transport, plus necessary escort, is covered following approval by the Goudse Alarmcentrale; no fixed maximum amount is stated.

If the insured dies abroad, the cost of transporting the body to the Netherlands is covered. If burial or cremation takes place abroad instead, the costs are reimbursed up to the amount that would have been paid for repatriation of the body.

Necessary costs of search, rescue or salvage if the insured is missing or has had an accident are covered, provided the search/rescue/salvage is carried out by an official body; no fixed maximum amount is stated.

The reviewed policy documents do not mention COVID-19 treatment as a separate, named benefit; illness generally, including infectious disease, falls under the general medical expenses benefit.

Costs arising from an illness, condition or disorder that already existed, or was causing symptoms, on or before the start date of the trip are excluded, as are costs where the insured was already receiving medical treatment before departure that had to be continued during the trip, unless the insured can prove the costs were genuinely unforeseeable.

Optional add-on that must be shown on the policy schedule. Without it, extraordinary costs, medical costs and accident benefits are excluded for events directly resulting from winter sports. With the rider added, the same base benefits apply during winter sports, and (if Baggage is also insured) extra baggage benefits apply: damaged/lost/stolen sports equipment up to €1.250,-, rental of replacement equipment up to €175,- per day, and reimbursement of unused prepaid lessons/ski passes/equipment rental up to €2.000,- per person per event. Dangerous winter sports (e.g. off-piste skiing without a guide, heli-skiing, ski jumping, bobsleighing) remain excluded even with this rider.

Optional add-on that must be shown on the policy schedule. When added, it extends the base benefits (extraordinary costs, medical costs, accidents, legal assistance and, if insured, baggage) to accidents occurring during a listed adventure sport (e.g. abseiling, rock climbing, diving up to 40m, rafting), including cover for scuba diving in the Netherlands and decompression-chamber treatment if needed. Sports classified as 'dangerous sports' (e.g. bungee jumping, motorsport racing, glacier mountaineering without a guide) are never covered, even with this rider.

Medical costs resulting from complications of pregnancy are covered as part of the medical expenses benefit. Uncomplicated pregnancy and childbirth are explicitly excluded. Unexpected pregnancy complications making the trip medically inadvisable are also a valid ground for trip cancellation or early return under the optional Cancellation cover.

General personal liability towards third parties is not part of the Doorlopende Reisverzekering; the base cover comprises only extraordinary costs, medical costs, accidents, legal assistance and motorist assistance. Liability cover is offered as a separate product (Aansprakelijkheidsverzekering) within the Privé Pakket Online.

Legal assistance for disputes directly related to the trip (claiming damages from a third party, criminal defence, contract disputes) is handled by Brandmeester Advocaten en Juristen B.V. (BrandMR). Within Europe, costs are reimbursed without limit when BrandMR's own in-house lawyers/experts handle the case; if an external lawyer or expert is used (within or outside Europe) the maximum reimbursement is €5.000,-. Recoverable costs of a criminal defence after acquittal, and bail/guarantee sums advanced by BrandMR, are also each capped at €5.000,- per event.