Travel well prepared
Whether you are flying soon or heading off by car: it is wise to look into good travel insurance. Unexpected events can seriously disrupt your holiday, but with the right cover you will never face financial surprises.
What is travel insurance?
Travel insurance is your safety net abroad. It protects you against unexpected costs from illness, accidents, theft or loss of luggage. That way you can focus on what really matters: enjoying yourself.
Types of travel insurance
Short-term travel insurance
Perfect if you only go on holiday once a year. You pay once for the exact duration of your trip, from departure to homecoming.
Continuous travel insurance
Ideal for those who travel more often or book spontaneous weekend getaways. You're insured all year round for a fixed amount, which is often more economical with more than 2 holidays per year.
What is covered?
The cover differs per policy, but the basics usually consist of:
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Medical Costs: Reimbursement of doctor's visits, hospitalisation and medication not covered by your basic health insurance. Essential in countries with high healthcare costs.
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Luggage & suitcases: Cover against theft, loss or damage to your personal belongings, such as clothing, cameras and tablets.
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Assistance (S.O.S.): Cover for necessary repatriation (return home) in case of serious illness, death or family circumstances.
Additional options
Complete your insurance with these modules:
"In short: travel insurance protects you against financial setbacks, so you can explore the world with peace of mind."
Have you already booked?
Don't forget to take out your cancellation insurance within 7 days of booking.
Meer over AnnulerenContinuous or short-term travel insurance?
Which travel insurance suits you best depends mainly on how often you travel. Do you go on holiday once a year? Then short-term travel insurance is often enough. Do you travel several times a year or take city trips regularly? Then continuous travel insurance is usually the better value.
| Comparison | Short-term | Continuous |
|---|---|---|
| Number of trips | 1 holiday per year | Multiple trips per year |
| Payment | One-off premium | Monthly or annual premium |
| Flexibility | Insured only during the booked trip | Automatically insured all year round |
| Economical with | A single holiday | Weekend getaways and frequent trips |
Praktische scenario’s
A travel insurance sometimes seems like something you'll never need, until something unexpected happens. These are situations where good cover can prevent a lot of financial worry.
Lost baggage
Your suitcase gets lost during a transfer at the airport. With baggage cover you can often immediately replace necessary items such as clothing and toiletries.
Ill during your holiday
You fall ill abroad and unexpectedly need to see a doctor or go to hospital. A travel insurance can reimburse medical costs that fall outside your health insurance.
Cancel your holiday
Due to illness or family circumstances, you may unexpectedly be unable to leave. With cancellation insurance you can often get back a large part of the trip cost.
Damage or theft
Your phone or camera is stolen during your trip. Depending on your policy you can receive compensation for damaged or stolen belongings.
Frequently asked questions about travel insurance
Is travel insurance mandatory?
No, travel insurance is usually not mandatory. Even so, it can be wise to travel insured, especially because of unexpected medical costs, loss of luggage or assistance abroad.
What is the difference between travel insurance and cancellation insurance?
Travel insurance provides cover during your trip, for example for medical costs or loss of luggage. Cancellation insurance reimburses (part of) the travel sum when your trip unexpectedly does not go ahead or has to be cut short.
Are my phone or laptop insured while travelling?
Electronic devices often fall under baggage cover, but this differs per insurer and policy. Always check the maximum compensation amount and the terms for theft or damage.
Am I insured in case of flight delays?
Some travel insurances offer compensation for long delays, for example for extra overnight stays or necessary purchases. The exact terms differ per provider.
Does my travel insurance also apply outside Europe?
That depends on the chosen cover. Some insurances offer Europe-only cover, while others are valid worldwide. So always check the coverage area of your policy in advance.
When is continuous travel insurance more cost-effective?
Do you travel several times a year, for example for holidays, city trips or business trips? Then continuous travel insurance is often cheaper and easier than taking out a separate policy each time.
Are winter sports and special sports insured by default?
No, winter sports, diving or other high-risk activities often fall under supplementary cover. So always check whether your sport or activity falls within the policy terms.
Not sure which travel insurance suits you?
Use our AI Travel Assistant to easily understand policy terms, cover and differences before you book.
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