Travel insurance for the Netherlands

You’ll be covered by the Reciprocal Health Care Agreement for some emergency medical treatment, but you’ll still need travel insurance in the Netherlands to cover things like trip cancellation costs, stolen luggage and personal liability.

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Travel insurance rules continue to change as a result of the pandemic. Some information may not be accurate at this time. It’s even more important to double-check all details that matter to you before taking out cover. Please note:
    • Some policies may not be available through Finder at this time
    • It’s unlikely that your policy will cover expenses from border closures
    Securing travel insurance for your Netherlands trip will cover you for a variety of situations including if your flights get delayed, luggage gets lost or if you fall ill overseas.

    Why do I need travel insurance for the Netherlands?

    Like most travel destinations, there are a fair few risks involved in travelling to the Netherlands, which is why you'll want travel insurance for your trip. There is a reciprocal health care agreement in place between the Netherlands and Australia, but this does have its limitations. Keep reading to find out more.

    Isn't the Reciprocal Health Care Agreement enough?

    Australia has a Reciprocal Health Care Agreement (RCHA) with a number of European countries including the Netherlands. This allows Australian visitors to access the local public health system for emergency medical treatment. But while the Dutch health system is of a high standard, it would not be wise to rely on the RHCA alone. It only covers certain things and does not cover;

    • Ambulance
    • Dental and elective surgery
    • Funerals
    • Medical evacuation back to Australia

    • Para-medical services
    • Treatment in a private hospital
    • Treatment as a private patient in a public hospital
    • Non-urgent medical treatment.

    For this reason, you should not rely on the RCHA and should ensure you have travel insurance with overseas medical and hospital cover before visiting the Netherlands.

    5 steps to selecting travel insurance for the Netherlands

    Choosing the right level of travel insurance for the Netherlands is as simple as asking yourself 5 questions:

    • Where am I going?Understand the different risks that come with travelling to a city like Amsterdam in comparison to the coast of Friesland.
    • How long am I going for?Decide if you will need long-stay cover if you intend to stay more than just a few weeks.
    • What will I be doing? Not all policies automatically cover activities that are considered high-risk. This could include horseriding, surfing or bungee jumping.
    • What am I taking? Get extra cover for expensive items such as cameras and other electronics.
    • What medical conditions do I have? You'll need to tell your insurer about any pre-existing medical conditions before they agree to cover you for your trip.

    Ready to compare travel insurance for the Netherlands?

    While the Netherlands is generally a safe country to visit, there are plenty of good reasons to have comprehensive travel insurance in case the unexpected should happen. With cover for medical emergencies, lost belongings and trip cancellations and delays, you can rest easy and enjoy all this beautiful country has to offer.

    What will travel insurance cover and not cover me for?

    A normal comprehensive travel insurance policy will provide the following benefits and exclusions:


    • Overseas medical emergency treatment and hospitalisation
    • Lost deposits and cancellation fees
    • Lost, stolen or damaged luggage and personal items
    • Stolen cash and travel documents
    • Personal liability for third party injuries or property damage
    • Rental vehicle excess
    • Flight delays and cancellations.


    • Undisclosed pre-existing medical conditions
    • Travelling to a region where a government warning has been issued
    • Incidents related to a pandemic or epidemic
    • Incidents related to a sexually transmitted disease (STD)
    • Pregnancy or childbirth (unless due to complications)
    • Not taking reasonable action to limit your loss
    • Reckless or irresponsible behaviour
    • Unattended baggage
    • Any mental or nervous disorder

    • Being under the influence of drugs or alcohol
    • Self-inflicted injuries or attempted suicide
    • Illegal or unlawful actions
    • Detention, confiscation or destruction by a government authority
    • Riding a motorcycle above a certain engine capacity
    • Participating in extreme sports or activities which are not covered
    • Incidents related to undertaking unauthorised paid employment
    • Acts of war or terrorism.

    Organising money for the Netherlands

    What currency do I need?

    As part of the EU, the Netherlands uses the Euro as its currency. It's always a good idea to have some cash to hand, as well as a travel card to avoid hefty charges from ATMs.

    Money for tips for the Netherlands

    Using a card for your transactions is a better way to go in the Netherlands, as there are ATMs everywhere and cards are accepted in most establishments. If you choose to use a credit card, be aware that you will be charged a conversion fee every time you use it and also a withdrawal fee. The main advantage of using a credit card is that it provides security through its zero-liability guarantee, which reimburses you if you fall victim to fraud.

    A better alternative is a travel card, which allows you to load and spend Euros without incurring a currency conversion fee, although you will still pay reloading and ATM fees.

    Compare travel insurance quotes for the Netherlands from top providers

    warning Finally, some good news! Domestic travel is picking up, so some insurers have started offering cover again 🦘
    Just remember, you won't be covered for any pandemic related claims if you do take out domestic travel insurance.
    International travel insurance is limited and sometimes unavailable at this point.

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    *The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing travel insurance policies. $21 price is for a 3 day trip for a 25 year old traveller. This price may be subject to changePicture: Shutterstock

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