De Goudse Verzekeringen (Goudse Schadeverzekeringen N.V. / Goudse Levensverzekeringen N.V.)
De Goudse
De Goudse is a travel insurance for the Netherlands market with online purchase and 24/7 assistance.
Direct payment
Claims are settled by reimbursement: for medical costs abroad, invoices must first be submitted to the insured's Dutch health insurer, and only the remaining, non-reimbursed amount is paid out by De Goudse after all required documents (claim form, invoices, medical statement, etc.) have been received; payment follows within a maximum of two weeks after receipt of all necessary information. For extraordinary costs, hospitalisation, repatriation and motorist assistance, the Goudse Alarmcentrale can arrange and pay service providers directly once authorisation has been given.
Geographic scope
Europe or Worldwide, as chosen by the policyholder and stated on the policy schedule
'Europe' includes all of Europe plus Iceland, countries bordering the Mediterranean, Baltic and Black Seas, Madeira, the Canary Islands, the Azores, and the Commonwealth of Independent States up to the Urals. No cover applies for travel in a 'code red' risk area; travel in a 'code orange' area is covered only for damage unrelated to the reason for that code; full cover continues if the insured was already in the area when the code was issued, until they could reasonably have left.
Unique selling points
- 24/7 emergency assistance via the Goudse Alarmcentrale for medical emergencies, repatriation and breakdowns abroad.
- No policy deductible applies to claims under the optional Baggage cover.
- Legal assistance for travel disputes is handled by independent specialist BrandMR, with unlimited cost coverage within Europe when using their in-house lawyers.
- Combining the travel policy with other covers in the Privé Pakket Online earns a package discount of up to 10% and includes a free accidental death benefit.
- No policy fees, and no surcharge for paying the premium monthly, quarterly or half-yearly instead of annually.
Coverage limits
Medical expenses abroad
Conditional
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 medical treatment
Conditional
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.
Hospitalization abroad
Conditional
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 treatment
Conditional
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.
Emergency dental treatment
€225
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.
Medical transport
Conditional
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.
Medical evacuation / repatriation
Conditional
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.
Repatriation of remains
Covered
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.
Search and rescue costs
Covered
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.
COVID-19 treatment
No limit 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.
Pre-existing medical conditions
Excluded
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.
Winter sports cover
Optional
Only in Wintersport (optional rider)
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.
Adventure sports cover
Optional
Only in Avontuurlijke sporten (optional 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.
Pregnancy complications
Conditional
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.
Personal liability while travelling
Excluded
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
€5,000
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.
24/7 emergency assistance
Covered
The Goudse Alarmcentrale (+31 182 544 555) provides round-the-clock assistance for repatriation, hospitalisation, accidents, extraordinary expenses and motorist breakdown assistance abroad; a separate line (+31 70 3145 670) handles legal assistance after a traffic accident abroad.
Key conditions
Assistance call deadline
For hospital admission, doctor consultations, repatriation and early return on medical grounds, the Goudse Alarmcentrale (+31 182 544 555) must be contacted and give permission in advance. In a life-threatening situation, go straight to the nearest emergency department first, then call the Alarmcentrale within 48 hours of admission. In case of death, the Alarmcentrale must be informed immediately and at least 48 hours before the funeral or cremation.
Unauthorized treatment
If the Alarmcentrale could not be contacted in advance for medical costs, reimbursement is capped at the amount that would have been paid had authorisation been obtained in advance. For extraordinary costs, no reimbursement is made for an accident not covered, or if permission for repatriation was not given. Late notification of a death can lead to a reduced payout or forfeiture of the claim if it harms the insurer's reasonable interests.
Purchase while abroad
The policy documents do not specifically address taking out this insurance while already abroad. Cover requires the policyholder to be registered as living in the Netherlands (Basisregistratie Personen); moving your permanent residence abroad ends the cover.
Chronic conditions
Costs are excluded if the insured was already under medical treatment when departing and that treatment had to be continued during the trip, unless it can be shown the need for care was genuinely unforeseeable.
Pregnancy
Costs of an uncomplicated pregnancy or childbirth are excluded; costs resulting from pregnancy complications are covered as medical expenses, and unexpected complications are also a valid reason to cancel or curtail the trip under the optional Cancellation cover.
Pre-existing condition exclusions
Costs arising from an illness, disorder or condition that already existed, or was already causing symptoms, on or before the start date of the trip are excluded, unless the insured can prove the costs were genuinely unforeseeable at the time of booking.
Coverage duration limit
Cover applies to trips of a maximum of 120 consecutive days. A shorter maximum applies to trips abroad for an internship, school placement or study (the exact number of days is specified in the policy documents); no cover applies from day one for a study/internship trip that exceeds that limit.
Documents
Additional Terms and Conditions - Doorlopende Reis (DLR-2601)
Terms & conditions
General Terms and Conditions - Privé Pakket Online (PPO-2601)
Terms & conditions
Insurance Product Information Document - Continuous Travel Insurance
IPID
Insurance Product Information Document - Cancellation Cover (optional rider)
IPID
Policy specifics
Baggage coverage
Optional coverage for loss, theft, or damage to luggage and personal belongings
SourceAccident coverage
Coverage for accidents during travel with benefits for permanent disability and death
SourceExtraordinary expenses
Coverage for unexpected additional travel and accommodation costs due to insured events
SourceMotorist assistance
Coverage for roadside assistance and replacement vehicle in case of breakdown
SourceTrip cancellation coverage
Optional coverage for reimbursement of trip costs if cancelled for covered reasons
SourceWinter sports coverage
Optional coverage for accidents and medical expenses during winter sports activities
SourceValid Dutch health insurance required
Medical expense coverage is only available if insured has valid Dutch basic health insurance
SourceMaximum continuous trip duration
Maximum duration of each individual trip covered by the annual insurance
SourcePrior Alarm Center approval required
Repatriation, hospitalization, and extraordinary expenses require advance approval from Goudse Alarm Center
SourceDeductible per event
Fixed deductible amount applicable per insured event
SourceInsurers' association documentDuty of care obligation
Insured must take all reasonable precautions to prevent and minimize damage
Source