With energy prices rising, switch to a cheaper plan
Compare Prices Now

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.

We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!

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.

Compare travel insurance quotes for the Netherlands from top providers

Made a search before? Retrieve your search results

At least one destination is required
Both dates are required
Add more travellers
Enter the age of each traveller between 0 and 99

Enter a valid email address

At least one destination is required
Starting date is required
Add more travellers
Enter the age of each traveller between 0 and 99

Enter a valid email address

Type or select country destination(s)

Popular Destinations

Can't find your destination? Just type it in the box above.

We compare products from

By submitting this form, you agree to the finder.com.au Privacy & Cookies Policy and Terms of Use, Disclaimer & Privacy Policy.

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.

Questions you still might have about Netherlands travel insurance

Got yourself covered? Time to have some fun.

Your adventures in Netherlands are just a few clicks away. Find savings on accommodation, holiday packages and tours.

See Netherlands travel deals

Compare travel insurance quotes from Australian insurers

Picture: Moyan Brenn, licensed under Creative Commons Attribution-NonCommercial-ShareAlike 2.0 Generic (image cropped)
Picture: Cédric Puisney, licensed under Creative Commons Attribution-NonCommercial-ShareAlike 2.0 Generic (image cropped)
Picture: Selma Broeder, licensed under Creative Commons Attribution-NonCommercial-ShareAlike 2.0 Generic (image cropped)

*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 change

Picture: Shutterstock

More guides on Finder

  • Bali bound? Get travel insurance with COVID medical cover

    A handful of countries, including Indonesia, have made COVID travel insurance a mandatory requirement.

  • Sweden Travel Insurance

    Find suitable travel insurance for trips to Sweden that can cover medical expenses, personal accident and liability claims and trip cancellation costs.

  • Travel insurance for Costa Rica

    Find travel insurance for your trip to Costa Rica, what to get cover for and what risks to avoid on your travels.

  • Travel Insurance for Countries with Travel Warnings

    If you’re planning to travel to a country that has high travel risks, learn how cover is and is not provided.

  • Travel insurance Spain

    Visiting Barcelona this summer? Planning to explore Ibiza? Make sure you take the right travel insurance with you.

  • Travel insurance for surfing

    Surfing is an awesome sport, but if you’re planning a surfing holiday, it pays to have surf travel insurance, both to protect your surfboard and yourself.

  • Working Holiday travel Insurance

    Here's an in-depth look at working holiday travel insurance and some of the things you need to be aware of when you work in a foreign country.

  • Travel insurance for Canada

    Whether you’re off to conquer the world-class slopes in the Canadian Rockies or explore the cultural city hubs of Toronto and Montreal, travel insurance is a non-negotiable item for your exciting Canadian adventure.

  • Travel insurance: Japan

    The land of the rising sun is a popular travel destination all year round for Australians with its eclectic mix of buzzing megacity metropolis, beautiful historic temples and an ever-intriguing culture. But sometimes an omamori good luck charm is not enough to ward off bad spirits, which makes travel insurance absolutely necessary for your next trip to Japan.

Ask an Expert

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.
Go to site