Achmea Schadeverzekeringen N.V. (trading as InShared)
InShared
InShared is a travel insurance for the Netherlands market with online purchase and 24/7 assistance.
Direct payment
Costs must generally be paid by the insured first and are then reimbursed; for medical, assistance, vehicle breakdown and cancellation costs, prior authorization from the Eurocross alarm centre is required before costs are incurred.
Geographic scope
Policyholder chooses between Europe or Worldwide coverage area
Europe option covers listed European countries (including Russia up to the Urals and Turkey); Aruba, Bonaire, Curaçao, Sint Eustatius, Sint Maarten and Saba are excluded from 'Europe' but included under 'World'. World option covers anywhere globally. Domestic Dutch trips are only covered with at least one paid overnight stay, excluding stays at a fixed pitch, season pitch or own holiday home.
Unique selling points
- Continuous (open-ended) policy covering an unlimited number of trips per year, up to 120 consecutive days per trip, rather than a single-trip policy.
- No deductible on emergency assistance (Hulpverlening), medical expenses, or vehicle breakdown assistance - only baggage claims carry a €100 deductible.
- Policy can be cancelled daily with no notice period via the digital Insurance Folder (Verzekeringsmap).
- 24/7 dedicated emergency assistance line via the Eurocross alarm centre for illness, accident or death abroad.
- Travelling pets (dogs and cats) are covered for unexpected veterinary costs abroad up to €250, a benefit not standard on all competitor policies.
Coverage limits
Medical expenses (Geneeskundige kosten)
unlimited
Optional 'Medische kosten' module reimburses medically necessary treatment, examinations, prescribed medicines, hospitalisation and operations abroad at cost price, only for those insured with a Dutch health insurer.
Emergency medical treatment
unlimited
Emergency or unexpected medical treatment abroad is reimbursed at cost price under the optional Medische kosten module, additional to the insured's Dutch health insurance.
Hospitalisation and operations
unlimited
Hospitalisation and operations abroad are reimbursed at cost price under the optional Medische kosten module.
Outpatient treatment
unlimited
Treatments, examinations, medicines and dressings prescribed by doctors abroad are reimbursed at cost price under the optional Medische kosten module.
Emergency dental costs
€750
Medically necessary dental treatment of the natural teeth abroad, including necessary X-rays and prescribed medicines, is reimbursed up to a maximum of €750 under the optional Medische kosten module; follow-up treatment must occur within 6 months of returning to the Netherlands.
Local medical transport
unlimited
Transport from the insured's location to the medical facility providing care, within the same country, is reimbursed at cost price under the optional Medische kosten module.
Medical evacuation / repatriation due to illness or accident
unlimited
Costs for a necessary return to the Netherlands after illness or accident are reimbursed at cost price under the base Hulpverlening en extra kosten module; Eurocross determines whether transport by air ambulance, ambulance or similar vehicle is medically necessary.
Repatriation of remains
unlimited
Costs to bring the body back to the Netherlands after death abroad are reimbursed at cost price under the base Hulpverlening en extra kosten module; local burial/cremation costs are reimbursed up to the equivalent repatriation cost.
Search and rescue costs
unlimited
Costs of search and rescue in case of accident or illness are reimbursed at cost price under the base Hulpverlening en extra kosten module, limited to a maximum of 2 search actions initiated by local authorities.
COVID-19 treatment
No limit stated
Not specifically addressed as a separate item in the reviewed policy documents.
Pre-existing medical conditions
Excluded
Medical costs are not covered if the trip was undertaken with the purpose of undergoing or continuing treatment abroad for an existing illness or condition, or if it was already clear before departure that such costs would be needed.
Adventure / dangerous sports cover
Conditional
Damage during dangerous sports (e.g. abseiling, kitesurfing, martial arts, whitewater rafting) is excluded. Parachuting, paragliding, hang gliding and bungee jumping are covered only when practised under supervision of paid professionals; many winter sports (heli-skiing, ski jumping, non-recreational diving, etc.) are excluded even with professional guidance.
Pregnancy complications
unlimited
Emergency medical care for pregnancy complications during the trip is reimbursed at cost price under the optional Medische kosten module; routine pregnancy care is not covered unless medically necessary during the trip and cannot be postponed.
Personal liability
No limit stated
Not offered as part of this travel insurance product in the reviewed documents.
Legal assistance after an accident
Optional
The IPID lists an optional 'Rechtshulp Ongeval' choice, giving legal assistance for a conflict arising from a traffic or non-traffic accident, offered via a legal expenses insurance; this option is not detailed with amounts in the reviewed Bijzondere Voorwaarden (2025) document.
24/7 emergency assistance
Covered
Eurocross alarm centre is reachable 24 hours a day by phone for acute emergencies such as illness, accident or death of an insured person during the trip.
Key conditions
Assistance call deadline
You must contact the Eurocross alarm centre before incurring costs; Eurocross must be informed of the situation and must give prior authorization for the costs to be made, otherwise Hulpverlening and extra costs are not reimbursed.
Unauthorized treatment
Hulpverlening and extra costs are only reimbursed if Eurocross has given prior authorization to incur them; costs made without this authorization are not covered.
Purchase while abroad
The reviewed policy documents do not explicitly address purchasing or activating the policy while already abroad.
Chronic conditions
Costs related to a pre-existing illness or condition for which the insured was already receiving treatment, or where the trip's purpose was to obtain or continue treatment abroad, are excluded from medical cover.
Pregnancy
Emergency medical care for unforeseen pregnancy complications during the trip is covered under the optional Medische kosten module; routine pregnancy care and foreseeable complications are excluded. Cancellation cover also applies for specific pregnancy-related situations, such as a doctor advising against travel or a carrier refusing transport due to the stage of pregnancy.
Pre-existing condition exclusions
Medical costs are excluded if the trip was made with the purpose of undergoing or continuing treatment for an existing illness or condition abroad, or if it was already clear before departure that such medical costs would need to be made.
Coverage duration limit
Cover per trip is limited to a maximum of 120 consecutive days; if the trip lasts longer, cover stops at 00:00 on day 120, unless the delay beyond 120 days is caused by unforeseen circumstances beyond the insured's control, in which case cover continues until return is possible. The policy itself runs for an indefinite period.
Policy specifics
Medical expenses abroad
Optional addon covering medical treatment costs, examinations, medications, and dental care up to €750 in destination countries
SourceBaggage coverage
Loss, theft or damage of baggage and travel documents during trip; maximum €2,500 per person per trip, max €7,500 per travel group
SourceTravel assistance and emergency aid
24/7 assistance via Eurocross alarm center for illness, accident, or death during trip; covers repatriation and family assistance
SourceTrip cancellation insurance
Optional addon for refund of trip costs if cancellation or early return becomes necessary
SourceVehicle breakdown assistance
Optional addon for mechanical breakdown of vehicle during trip in Europe; includes roadside assistance via Eurocross
SourceWinter and water sports coverage
Equipment and activity coverage for winter and water sports; max €2,000 per person per trip
SourceMaximum trip duration
Maximum consecutive days covered per trip is 120 days
SourceInsurers' association documentDomestic travel overnight requirement
For trips within Netherlands, coverage only applies if at least one paid night accommodation is booked
SourceInsurers' association documentPre-existing medical conditions exclusion
Treatment for pre-existing medical conditions for which insured was already under medical treatment is excluded
SourceSubstance use exclusion
Costs incurred due to alcohol, drugs, medications, nitrous oxide or other intoxicating substances are excluded
Source