ZLM Travel insurance (Doorlopende Reisverzekering)
Underwritten by ZLM Verzekeringen · Netherlands
travel insurance from ZLM for the Netherlands market, with online purchase and 24/7 assistance.
Verified Sep 1, 2026 · Terms dated 2026-05-01Sources
Key facts
- Personal liability up to €600
Unique selling points
Year-round travel cover that can be arranged with a competitive premium and quick, fully online purchase.
24/7 support from the ANWB Alarmcentrale for medical guidance, repatriation and finding replacement transport.
Foreign medical costs are reimbursed at actual cost (kostprijs) with no fixed ceiling, unlike policies that cap medical cover abroad.
Optional extension of continuous trips to up to 6 months, well beyond the standard 2-month limit.
Flexible add-ons let customers tailor cover for worldwide destinations, cash, accidents, winter/dangerous sports, and replacement transport.
Coverage limits
Medical expenses
unlimited
Necessary medical costs incurred abroad during the trip are reimbursed at actual cost (kostprijs) with no fixed ceiling. Medical costs incurred in the Netherlands for the same event are capped at €1,600 per person, and dental costs are capped at €600 per person.
Section: 3. Onvoorziene uitgaven en medische kosten > Medische kosten
Op reis in het buitenland? Wij vergoeden de kosten vanaf de start van de medische behandeling tot de eerst mogelijke datum waarop u terug kunt keren naar Nederland.
Emergency medical treatment
unlimited
Necessary emergency medical treatment abroad, prescribed by a doctor or dentist, is reimbursed at actual cost from the start of treatment until the earliest date the insured can return to the Netherlands; the statutory excess on the Dutch health insurance is also reimbursed.
Section: 3. Onvoorziene uitgaven en medische kosten > Medische kosten
U bent verzekerd voor alle noodzakelijke medische kosten als u tijdens uw reis onvoorzien medisch behandeld moet worden.
Hospitalization
Covered
No limit stated
Hospitalization abroad falls under the general medical costs benefit (reimbursed at cost) but is not itemized as a separate line item with its own limit in the terms and conditions.
Outpatient treatment
Covered
No limit stated
Outpatient treatment abroad falls under the general medical costs benefit (reimbursed at cost) but is not itemized as a separate line item with its own limit in the terms and conditions.
Emergency dental care
€600
Necessary dental treatment, including treatment following an accident carried out at the insured's own dentist in the Netherlands, is reimbursed up to €600 per insured person; accident-related dental treatment must take place within one year of the accident.
Section: 3. Onvoorziene uitgaven en medische kosten > Vergoedingenoverzicht
Tandheelkundige kosten per verzekerde € 600,-
Medical transport
unlimited
Extra transport costs incurred with the prior approval of the ANWB Alarmcentrale are reimbursed at actual cost (kostprijs).
Section: 3. Onvoorziene uitgaven en medische kosten > Vergoedingenoverzicht
Extra vervoerskosten met toestemming ANWB-Alarmcentrale kostprijs
Medical evacuation
Covered
Extra costs of transport and stay resulting from illness, accident or death of an insured person, travel companion, or specified family member are covered as part of unforeseen expenses, arranged via the ANWB Alarmcentrale; no separate maximum is stated for this specific benefit.
Section: 3. Onvoorziene uitgaven en medische kosten > Wat is verzekerd?
Kosten van de overkomst en verblijf van maximaal 2 personen ter ondersteuning van een verzekerde in geval van ziekte, ongeval of overlijden;
Repatriation of remains
Covered
Costs for transporting the deceased's remains to the Netherlands are covered, without a stated maximum amount. Separately, burial or cremation costs abroad (including travel for family members) are reimbursed up to €3,500 per insured person.
Section: 3. Onvoorziene uitgaven en medische kosten > Wat is verzekerd?
Kosten voor het overbrengen van het stoffelijk overschot naar Nederland;
Search and rescue
Covered
Costs of search or rescue actions are covered as part of unforeseen expenses; no separate maximum amount is stated for this benefit.
Section: 3. Onvoorziene uitgaven en medische kosten > Wat is verzekerd?
Kosten van opsporings- of reddingsacties;
COVID-19 treatment
No limit stated
The terms and conditions do not mention a separate benefit or exclusion specifically for COVID-19 treatment; general medical cost and unforeseen-events cover may apply, including the cancellation cover's mention of infectious disease outbreaks at the destination.
Pre-existing conditions
Conditional
Medical costs incurred in the Netherlands for a pre-existing ailment or condition are excluded. The same costs incurred abroad are covered if they were unforeseen and treatment could not be postponed until return to the Netherlands.
Section: 3. Onvoorziene uitgaven en medische kosten > Wat is niet verzekerd?
een bestaande kwaal en/of afwijking; ... Deze kosten zijn buiten Nederland wel verzekerd, als zij niet te voorzien waren en het niet mogelijk was om de behandeling uit te stellen tot na terugkeer in Nederland;
Winter sports cover
Optional
Cross-country skiing and underwater sports are included by default in the base package. Skiing, snowboarding and other winter sports require the separate optional Wintersport en gevaarlijke sporten extension, which covers unforeseen expenses and medical costs, prepaid but unused ski lessons/lift passes/ski passes, loss of a ski pass, hire of replacement ski equipment, and damage, loss or theft of ski equipment up to the standard baggage limits.
Section: 8. Wintersport en gevaarlijke sporten
Langlaufen, onderwatersport en andere, niet-gevaarlijke sporten (zoals tennis of voetbal) zijn standaard meeverzekerd in de basisdekking.
Adventure/dangerous sports cover
Optional
The optional dangerous sports extension covers many activities (e.g. off-piste skiing with a guide, abseiling, kitesurfing, bungee jumping) for unforeseen expenses and medical costs only, without accident cover. Certain very dangerous sports (e.g. bobsledding, ski jumping, stunt flying, combat sports) cannot be insured at all.
Section: 8. Wintersport en gevaarlijke sporten
Dit geldt bijvoorbeeld voor off-piste skiën onder begeleiding van een skileraar of gids, abseilen, kitesurfen en bungeejumpen.
Pregnancy complications
Conditional
Costs incurred in the Netherlands for consequences of, or complications during, pregnancy are excluded. These costs are covered abroad if they were unforeseen and treatment could not be postponed until return to the Netherlands.
Section: 3. Onvoorziene uitgaven en medische kosten > Wat is niet verzekerd?
gevolgen van en complicaties bij zwangerschap.
Liability for rented holiday accommodation
€600
Liability for unintentional damage caused to a rented holiday accommodation and its inventory is covered up to €600 per travel party (minimum claim €20); this benefit is limited to rented-accommodation liability and does not extend to general personal liability toward third parties.
Section: 5. Aansprakelijkheid vakantieverblijf
Wij vergoeden maximaal € 600,- per reisgezelschap en wij geven alleen een vergoeding als de schade groter is dan € 20,-.
Legal assistance
No limit stated
The travel insurance terms and conditions do not mention a legal assistance benefit; legal assistance is offered by ZLM only as a separate product (via Stichting Rechtsbijstand ZLM), not as part of this travel policy.
24/7 assistance
unlimited
The ANWB Alarmcentrale is available day and night to give advice and arrange assistance (e.g. medical guidance, finding replacement transport); the costs of deploying the Alarmcentrale itself are borne by the insurer.
Section: 3. Onvoorziene uitgaven en medische kosten > Hulpverlening
De alarmcentrale staat dag en nacht voor u klaar.
Key conditions
Assistance call deadline
Contact the ANWB Alarmcentrale as soon as possible before incurring medical, transport or other emergency costs; costs incurred without prior consultation with the Alarmcentrale may not be reimbursed.
Unauthorized treatment
No fixed percentage penalty is stated; instead, costs incurred without prior contact with the ANWB Alarmcentrale can be refused entirely by the insurer.
Purchase while abroad
This is a continuous (doorlopende) policy intended to be taken out before travel; the terms and conditions do not describe a procedure for purchasing or activating cover while the insured is already abroad.
Chronic conditions
Costs in the Netherlands for an existing ailment or condition are excluded; the same costs incurred abroad are covered if they were unforeseen and treatment could not be postponed until return to the Netherlands.
Pregnancy
Costs related to consequences of, or complications during, pregnancy incurred in the Netherlands are excluded but covered abroad if unforeseen and treatment could not be postponed; separately, the optional cancellation cover reimburses cancellation due to a pregnancy discovered after booking or due to pregnancy complications.
Pre-existing condition exclusions
Medical costs in the Netherlands for a pre-existing ailment or condition are excluded; these costs are covered abroad only if they were unforeseen and treatment could not be postponed until the insured's return to the Netherlands.
Coverage duration limit
Standard cover applies to trips lasting no longer than 2 consecutive months, extendable to 6 consecutive months if stated on the policy schedule; if an insured event prevents the insured from returning home within the maximum trip duration, cover is automatically extended without additional premium.
Direct payment
Claims are paid to the policyholder or, at the travel agency's request, directly to the travel agency; payment is made only to a Dutch bank account and generally within 14 days after the claim amount has been established (a 30-day waiting period applies before payment for stolen items, in case they are recovered).
Territorial scope
Standard cover applies to trips in the Netherlands (with proof of at least one overnight stay), other European countries and non-European Mediterranean countries, plus excursions of up to 48 hours outside the covered area; other countries are only covered if the optional world cover extension has been taken out.
Documents
Terms and Conditions - Continuous Travel Insurance (1 May 2026 - 30 April 2027) (opens in a new tab)
Terms & conditions · PDF
IPID - Continuous Travel Insurance information document (opens in a new tab)
Product information sheet · PDF
Product landing page - Continuous travel and cancellation insurance (opens in a new tab)
Other document · PDF
Policy specifics
Supplementary medical expenses
Covers medical costs not reimbursed by Dutch health insurance, with domestic limit of €1,600 and abroad at actual costs
SourcePage 10Section: 3. Onvoorziene uitgaven en medische kosten > Vergoedingenoverzicht
Medische kosten in Nederland (m.u.v. tandheelkundige kosten) € 1.600,-
Baggage and valuables coverage
Covers loss, theft, or damage to baggage up to €3,000 per person per trip, with minimum claim of €50
SourcePage 12Section: 4. Bagage > Dekkingsoverzicht
De maximale vergoeding voor bagage is € 3.000,- per verzekerde per reis.
Repatriation and emergency assistance
Covers transport and accommodation costs related to illness, accident, or death; includes repatriation of remains to Netherlands
SourcePage 8Section: 3. Onvoorziene uitgaven en medische kosten > Wat is verzekerd?
Kosten voor het overbrengen van het stoffelijk overschot naar Nederland;
World coverage (optional extension)
Optional extension beyond standard Europe coverage (including non-European Mediterranean countries) to worldwide destinations
SourceSection: Breid de basisdekking uit met:
Met de doorlopende reisverzekering bent u standaard verzekerd in alle Europese landen inclusief de niet-Europese landen aan de Middellandse Zee. Gaat u verder weg? Dan is het belangrijk dat u de werelddekking afsluit.
Trip cancellation insurance (optional extension)
Covers costs of canceling or interrupting a trip due to unforeseen circumstances, up to €3,000 per person (€12,000 total)
SourcePage 21Section: 10. Annuleringsverzekering > Wat is de maximale vergoeding?
Wij vergoeden maximaal € 3.000,- per persoon per reis. Voor alle verzekerden samen is het maximumbedrag € 12.000,- per reis.
Winter sports and dangerous activities (optional extension)
Optional coverage for winter sports and dangerous activities; cross-country skiing covered by default, skiing/snowboarding require separate purchase
SourcePage 17Section: 8. Wintersport en gevaarlijke sporten
Langlaufen, onderwatersport en andere, niet-gevaarlijke sporten (zoals tennis of voetbal) zijn standaard meeverzekerd in de basisdekking. U kunt een lijst met de wintersporten en gevaarlijke sporten waarvoor u deze dekking moet afsluiten, vinden op www.zlm.nl/gevaarlijkesporten.
Maximum trip duration
Standard coverage applies to trips up to 2 months consecutive; extendable to 6 months with optional extension
SourceSection: Verlenging van de reisduur
De doorlopende reisverzekering biedt dekking voor reizen van maximaal 2 maanden aaneengesloten. Gaat u langer dan 2 maanden aaneengesloten op reis? Dan kunt u de maximale reisduur met deze dekking verlengen tot 6 maanden.
Replacement transport and accommodation (optional extension)
Optional coverage for replacement vehicle rental (up to 30 days) or accommodation when primary transport or holiday accommodation fails
SourcePage 18Section: 9. Vervangend vervoer en verblijf
De verzekerde kan een vervangend voertuig huren tijdens een periode van maximaal 30 dagen.
Accident coverage (optional extension)
Optional fixed lump-sum payout for death or permanent disability resulting from accident during trip
SourceSection: Breid de basisdekking uit met:
Dan krijgt u met de extra ongevallendekking op uw doorlopende reisverzekering een eenmalige vaste uitkering bij overlijden of blijvende invaliditeit.
Claims handling by Unigarant
ZLM acts as distributor/intermediary; claims are actually handled by Unigarant Verzekeringen; customer remains ZLM's point of contact
SourcePage 27Section: 14. Overige onderwerpen > Wat is de rol van Unigarant?
Wij hebben van Unigarant Verzekeringen een volmacht gekregen. De voorwaarden zijn van ons, u ontvangt een polisblad van ons en wij ontvangen de premie. Unigarant behandelt de schades.
Business travel exclusion
Coverage does not apply to any business-related trips or work-related travel
SourceSection: Wat is verzekerd in de basisdekking van de doorlopende reisverzekering?
Zakenreizen zijn niet verzekerd.
Travel advisory restriction (Ministry of Foreign Affairs)
Damage caused by events forming the basis of orange or red travel advisory from Dutch Ministry of Foreign Affairs is not covered
SourceInsurers' association documentSection: Wat is niet verzekerd? > Reisadvies van de overheid
Geldt voor uw bestemming een aangepast reisadvies van het Ministerie van Buitenlandse Zaken (code oranje of rood)? Dan is schade door gebeurtenissen die de aanleiding vormden voor het reisadvies niet verzekerd.
Rental accommodation liability
Covers unintentional damage caused to rented holiday accommodation and inventory, up to €600 per occurrence (minimum €20)
SourceSection: Wat is verzekerd in de basisdekking van de doorlopende reisverzekering? > Wat is verzekerd in de basisdekking?
Huurt u tijdens uw vakantie een vakantieverblijf? Dan is schade die u veroorzaakt aan het verblijf of de inventaris hiervan verzekerd voor maximaal € 600,- per gebeurtenis. Dit geldt alleen als de schade groter is dan € 20,-.
Depreciation schedule for baggage
Baggage claims subject to depreciation percentage per year; separate maximum limits for electronics, glasses, bicycles
SourceSection: Wat is verzekerd in de basisdekking van de doorlopende reisverzekering? > Wat is verzekerd in de basisdekking?
Wij hanteren per voorwerp een afschrijvingspercentage per jaar. In de Afschrijvingslijst leest u welke afschrijving wij hanteren. Voor bepaalde zaken zoals mobiele elektronica, brillen en fietsen geldt ook een maximumvergoeding.
Mandatory alarm center coordination
Costs incurred without prior coordination with alarm center (ANWB Alarmcentrale) may not be covered; emergency contact required for claim validity
SourceSection: Wat is verzekerd in de basisdekking van de doorlopende reisverzekering? > Wat is niet verzekerd in het basispakket?
Bijvoorbeeld kosten die u maakt zonder overleg met de alarmcentrale. Of onzorgvuldigheid en opzet.
Cancellation insurance timing requirement
Cancellation insurance must be purchased within 7 days of booking to cover pre-existing medical conditions; longer wait excludes such claims
SourceSection: Wat is verzekerd op de doorlopende annuleringsverzekering? > Wat is niet verzekerd op de annuleringsverzekering?
Daarnaast is annulering door een bestaande ziekte niet gedekt, wanneer u langer dan 7 dagen na boeking van uw reis wacht met afsluiten van de annuleringsverzekering.
Sources
- zlm.nlhttps://www.zlm.nl/doorlopende_reisverzekering/annuleringsverzekering(opens in a new tab)
- zlm.nlhttps://www.zlm.nl/doorlopende_reisverzekering/verlenging_reisduur(opens in a new tab)
- zlm.nlhttps://www.zlm.nl/doorlopende_reisverzekering/wat-is-verzekerd-de-basisdekking(opens in a new tab)
- zlm.nlhttps://www.zlm.nl/voorwaarden/voorwaarden_doorlopende_reisverzekering.pdf#page=10(opens in a new tab)
- zlm.nlhttps://www.zlm.nl/voorwaarden/voorwaarden_doorlopende_reisverzekering.pdf#page=12(opens in a new tab)
- zlm.nlhttps://www.zlm.nl/voorwaarden/voorwaarden_doorlopende_reisverzekering.pdf#page=13(opens in a new tab)
- zlm.nlhttps://www.zlm.nl/voorwaarden/voorwaarden_doorlopende_reisverzekering.pdf#page=17(opens in a new tab)
- zlm.nlhttps://www.zlm.nl/voorwaarden/voorwaarden_doorlopende_reisverzekering.pdf#page=18(opens in a new tab)
- zlm.nlhttps://www.zlm.nl/voorwaarden/voorwaarden_doorlopende_reisverzekering.pdf#page=21(opens in a new tab)
- zlm.nlhttps://www.zlm.nl/voorwaarden/voorwaarden_doorlopende_reisverzekering.pdf#page=27(opens in a new tab)
- zlm.nlhttps://www.zlm.nl/voorwaarden/voorwaarden_doorlopende_reisverzekering.pdf#page=8(opens in a new tab)
- zlm.nlhttps://www.zlm.nl/voorwaarden/voorwaarden_doorlopende_reisverzekering.pdf#page=9(opens in a new tab)
ZLM Travel insurance