Unigarant N.V.
Unigarant
Unigarant is a travel insurance for the Netherlands market with online purchase and 24/7 assistance.
Direct payment
Before incurring medical costs, the insured must contact the ANWB Alarmcentrale; hulpverlening (assistance) costs are paid directly by Unigarant, while most other costs (e.g. medical expenses) are reimbursed afterwards against proof of costs incurred.
Geographic scope
Europe or Worldwide, selectable by the policyholder
Europe includes the Netherlands (with at least one overnight stay elsewhere), other European countries, Turkey (incl. Asian part), Russia up to the Urals and the Caucasus, Iceland, Madeira, Azores, Canary Islands, and non-European Mediterranean countries/parts such as Morocco, Algeria, Tunisia, Libya, Egypt, Israel, Lebanon, Syria, Georgia, Armenia and Azerbaijan; the World option extends cover to the rest of the world. Trips outside the chosen area are still covered for up to 48 hours if made from within the covered area.
Unique selling points
- The Compleet variant of the Doorlopende Reisverzekering was again rated best in the Consumentenbond's 2025 test.
- Customers rate Unigarant 8+ for the handling of complaints and claims.
- The ANWB Alarmcentrale provides worldwide 24/7 assistance, including arranging medical escort during the return journey.
- Children under 5 years old are insured free of charge.
- The policy is fully modular, letting customers combine only the covers they need, from Compact to Compleet.
Coverage limits
Medical expenses
unlimited
Necessary medical costs incurred abroad due to unforeseen illness or accident are reimbursed at cost price (kostprijs), with no stated maximum; requires a Dutch health insurance policy and prior contact with the ANWB Alarmcentrale. This is an optional add-on, not part of the core policy. Follow-up medical costs in the Netherlands are only covered under the Compleet tier, up to €1,600.
Emergency medical treatment
unlimited
Unforeseen medical treatment abroad on a doctor's prescription is reimbursed at cost price under the optional Medische kosten cover; the ANWB Alarmcentrale must be contacted first.
Hospitalization
unlimited
Hospital treatment abroad is covered as part of the Medische kosten benefit, reimbursed at cost price with no separate cap stated, until the earliest date the insured can return to the Netherlands.
Outpatient treatment
unlimited
Outpatient medical treatment abroad (e.g. doctor visits, prescribed medicines) is reimbursed at cost price under the optional Medische kosten cover.
Emergency dental costs
€0 – €600
Dental damage resulting from an accident may be repaired by the insured's own dentist in the Netherlands; treatment must take place within a year of the accident. Not covered under Compact; covered up to €600 under Compleet.
Medical transport
unlimited
Extra transport costs made with the ANWB Alarmcentrale's approval are reimbursed at cost price (kostprijs); part of the core Hulpverlening en onvoorziene uitgaven cover, no separate selection required.
Medical evacuation
unlimited
The ANWB Alarmcentrale arranges necessary medical escort during the return journey if it does not go as planned; costs of this assistance are borne by Unigarant with no stated maximum, as part of the core cover.
Repatriation of remains
unlimited
Costs for transporting a deceased insured's remains to the Netherlands are covered with no stated maximum, as part of the core Hulpverlening en onvoorziene uitgaven cover. A related but separate benefit covers funeral/cremation costs abroad up to €3,500.
Search and rescue
unlimited
Costs of search or rescue operations are reimbursed as part of the core Hulpverlening en onvoorziene uitgaven cover, with no separate maximum stated.
COVID-19 treatment
No limit stated
Not specifically addressed under the Medische kosten cover; outbreak of a contagious disease is only mentioned as a possible ground for trip cancellation under the separate Annulering (cancellation) cover.
Pre-existing conditions
No limit stated
The Medische kosten terms do not contain a specific exclusion or provision addressing pre-existing medical conditions.
Winter sports cover
Optional
Optional add-on extending Hulpverlening/onvoorziene uitgaven, Medische kosten and Ongevallen benefits to winter sports and special/adventure sports listed in the policy's sports list; no separate monetary limit is set beyond the underlying covers selected.
Adventure/special sports cover
Optional
Part of the same optional Wintersport en bijzondere sporten add-on; a categorized list (categories 1-3) in the policy specifies which adventure sports are standard-covered, covered only with this add-on, or never covered.
Pregnancy complications
No limit stated
Pregnancy-related provisions appear only under the separate, optional Annulering (trip cancellation) cover as a ground for cancellation, not under the Medische kosten cover.
Personal liability
€1,100
Limited to liability for damage caused to a rented holiday accommodation and its inventory (Aansprakelijkheid vakantieverblijf), not a general third-party personal liability cover; max €1,100 per claim, no deductible; core cover, no separate selection required.
Legal assistance (travel)
€0 – €25,000
Optional Reisrechtsbijstand cover for verhaals-, contracts- and strafrechtsbijstand plus a bail advance up to €12,500; not available under Compact, up to €25,000 per event under Compleet.
24/7 assistance
unlimited
The ANWB Alarmcentrale is reachable day and night, worldwide, for advice and to arrange assistance (e.g. finding replacement transport); the costs of this assistance are borne by Unigarant with no stated maximum and are part of the core cover.
Key conditions
Assistance call deadline
The insured must contact the ANWB Alarmcentrale before incurring medical costs, and unforeseen expenses must also be made in consultation with the Alarmcentrale to be reimbursed.
Unauthorized treatment
No fixed percentage penalty is stated for skipping the Alarmcentrale; however, medical costs and onvoorziene uitgaven are only reimbursed if necessary, unforeseen and (for onvoorziene uitgaven) made in consultation with the ANWB Alarmcentrale, so unauthorized treatment risks non-reimbursement.
Purchase while abroad
The insurance cannot start earlier than the moment it was concluded, so it cannot be purchased retroactively to cover a trip already underway.
Chronic conditions
The Medische kosten terms do not include a specific provision addressing chronic diseases.
Pregnancy
Pregnancy-related provisions are only addressed under the optional Annulering (cancellation) cover, not under the Medische kosten cover.
Pre-existing condition exclusions
The Medische kosten terms do not contain a specific exclusion or provision for pre-existing medical conditions.
Coverage duration limit
The standard maximum duration per trip abroad is 60 consecutive days; this can be extended to a maximum of 180 consecutive days with the optional 'Verlengen maximale reisduur' add-on.
Documents
Terms and Conditions - Doorlopende Reis- en Annuleringsverzekering (DRA UGL 09-25, current)
Terms & conditions
Terms and Conditions - previous edition (DRA UGK 05-22)
Terms & conditions
Official product page
Other document
Product brochure with benefits overview (2022 edition)
Table of benefits
Policy specifics
Trip cancellation
Optional coverage for trip cancellation and interruption due to serious reasons; applies to holidays, weekends, theater events, concerts
SourceBaggage coverage
Optional coverage for theft, loss or damage to baggage with two variant tiers (Compact/Compleet); includes deductible options
SourceInsurers' association documentAccident coverage
Optional coverage providing lump-sum payment for permanent disability from accident; compensation varies by disability percentage
SourceWinter sports coverage
Optional coverage for winter sports and special sports activities; coverage varies by specific sport type
SourceLiability for rental accommodation damage
Core coverage (no separate selection needed) for liability if the insured or a child accidentally damages a rented holiday accommodation or loses its keys.
SourceMedical cost integration with health insurance
Travel insurance medical costs work as supplementary coverage to the insured's Dutch health insurance; coordination is governed by the Convenant Samenloop Reis- en Zorgverzekeringen.
SourceANWB Alarm Centre assistance
Core 24/7 assistance from the ANWB Alarmcentrale, available worldwide for accidents, illness and death; no separate selection or premium required.
SourceProduct variants
Two main tiers available under the current terms: Compact (basic) and Compleet (comprehensive), replacing the older Basis/Uitgebreid naming.
SourceCoverage territory options
Policyholder chooses between Europe-only or worldwide coverage; territorial scope affects premium and available options
SourceUnforeseen expenses coverage
Standard coverage for unexpected necessary expenses during travel; includes extra accommodation costs if forced to extend stay
SourceEligible persons for coverage
Coverage available for: policyholder, partner, unmarried children living at home, and studying children not living at home if listed on policy
SourceInsurers' association document