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Netherlands travel insurance

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Updated by Smartraveller on 29 Nov 2023

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Why do I need travel insurance in Netherlands?

  • It can cover you for emergency medical treatment.
  • It can cover medical expenses caused by injuries and accidents, unless it's from an excluded activity.
  • It can pay for transport to hospital by helicopter or ambulance, as well as medical evacuations back to Australia.
  • If you're renting a car in Netherlands, make sure you have car rental excess cover.
  • Pickpocketing and petty crime can occur in Netherlands. Travel insurance can cover you for lost or stolen valuables. This could include rings, necklaces, phones and watches.
  • Terrorism is a risk in Netherlands. A few insurers provide cover for medical and hospital expenses caused by an act of terrorism, including the cost of bringing you back home.

Looking for the best travel insurance in Netherlands? Check out our award winners in 2023

Netherlands travel insurance: Common exclusions

Every travel insurance policy has things you won't be covered for. Common exclusions include:

  • If you purchase cover after the incident has occurred. For example, if you take cover out after you've been injured and need medical attention.
  • Pre-existing medical conditions. If you have any major medical conditions, make sure you let your insurer know before taking out a policy. Otherwise you won't be covered for claims related to that condition.
  • You travel despite government travel advice. For example, if you travel to areas that have a warning from Smartraveller, travel insurance may not cover you.
  • Incidents that occur while you're under the influence of drugs or alcohol. For example, if you go out drinking in Amsterdam, get injured and need medical attention, travel insurance won't cover you.
  • Driving vehicles without a licence. Like Australia, you won't be covered for medical costs or personal liability expenses if you drive without a licence in Netherlands.

Will I be covered for COVID-19?

Travel insurance can cover you for COVID-19 in Netherlands. A policy can cover you for the following:

  • Rearrangement costs if you catch the virus and need to change your plans. Lots of comprehensive travel insurance policies let you claim up to $5,000 towards these expenses.
  • Medical costs due to COVID-19. This can include hospital expenses and RATs if you catch COVID-19 while overseas (but you won't be covered for mandatory PCRs).
  • Expenses if you need to isolate. For example, if you catch COVID while you're overseas and need to push back your flight and stay in your accommodation longer.

How do I get cheap travel insurance for Netherlands?

  • Medical only or basic policies will generally be the cheaper policies on the market.
  • Use exclusive deals or promo codes to get a discount.
  • Opt for a higher excess. This will make your policy cheaper but more expensive if you have to claim.
  • Compare across a handful of travel insurers – they're not all the same.
  • Get the most value by buying your policy early. It means you're covered for longer while paying the same price.
Our best travel insurance policies

When I travel, I don't want to fork out a lot for travel insurance. I always get something above the bare minimum though which usually only covers medical-only expenses. Flight disruptions and delayed luggage are really common, so look for a cheap policy that covers me for these things.

What do I do in emergencies?

For emergencies: call 112 (police), 112 (ambulance) or 112 (fire).

In a medical emergency, call for help and then contact your insurer on their emergency assistance line.

What are the entry requirements for Netherlands?

Australians don't need a visa to travel to Netherlands for up to 90 days in any 180-day period.

You can travel for business purposes, a holiday, visiting friends and family, medical reasons or for short-term study.

If you're planning to study, work, or live in Netherlands for more than 90 days, you will need to apply for a visa before you travel.

Civil unrest, security risks, threat of terrorist attack and crime are a concern in Netherlands, but you should still be eligible for travel insurance. It won't cover all of these situations but it can help cover medical costs, stolen belongings and much much more.

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