The choice of travel insurance is fairly wide, it has to be said. Besides the traditional insurers, travel agencies and even airlines are increasingly offering travel insurance, while it sometimes also comes "free" with a credit card. That obviously does not make finding good travel insurance any easier. The main travel insurers in the Netherlands are listed below. A number of frequently asked questions are also answered. This page describes the situation in the Netherlands.
Most Dutch insurers offer their website and policy documents in Dutch only.
Allianz Assistance
Allianz Assistance (formerly Allianz Global Assistance) describes itself as the global market leader in travel insurance and assistance (source: allianz-assistance.nl) and is one of the best-known travel insurers in the Netherlands. It should therefore come as no surprise that Allianz Assistance offers an excellent policy for every trip and every destination. Among others, it offers the following policies:
- Single-trip travel insurance: insurance for a single trip
- Single-trip cancellation insurance: cancellation insurance for a single trip
- Ticket cancellation insurance: cancellation insurance for individual tickets, for example for a plane ticket or the ferry
- Annual travel insurance: insured all year round with the cover of your choice
- Annual business travel insurance: annual travel insurance that covers both business trips and private trips
- Collective business travel insurance: travel insurance for all employees
- Globetrotter travel insurance: insurance for long trips of up to 24 months, including for study and work
- Car hire excess insurance: covers the excess and the deposit when you hire a car on holiday
- Au pair Insurance: insurance that Dutch host families can take out for their au pair from abroad
- Adventure & Survival insurance: travel insurance for adventurous trips in Europe, including survival and extreme sports
- Group travel insurance: travel insurance for group trips
- School trip insurance: travel insurance for camps and school trips in Europe
ANWB
ANWB offers single-trip and annual travel insurance. ANWB's annual travel insurance came out best in the 2019 test by the Dutch Consumers' Association (Consumentenbond). A plus point is that ANWB members get a standard 5% member discount on the travel insurance (source: anwb.nl, November 2026). ANWB's travel insurance can be extended with all kinds of additional cover, for example for medical costs, luggage, car assistance, travel accidents, winter sports, legal expenses and so on. In addition, the Europe cover also includes the Mediterranean countries of North Africa, Israel, Turkey and Russia up to the Urals (source: anwb.nl).
OHRA
Like most insurers, OHRA offers a choice between single-trip and annual travel insurance. Assistance, damage to the holiday accommodation and damage to luggage are covered as standard. Various types of cover can be added, such as money cover, car assistance cover and winter sports cover. Cancellation cover, accident cover and medical expenses cover are of course also available. A plus point is the user-friendly platform that lets you report claims quickly. Changing an existing travel insurance policy can also be done very easily online.
Unigarant
Unigarant is a subsidiary of ANWB and sells its insurance through insurance advisers; anyone who wants to take out a policy themselves can go to ANWB (source: unigarant.nl). The range of Unigarant travel insurance policies cannot be compared with the wide choice offered by Allianz Assistance, but there are still quite a few of them. Unigarant has, for example, a special water sports insurance policy, a travel insurance policy for people who travel with their boat. No boat, but a caravan? Then there is of course the caravan insurance. In addition, Unigarant offers single-trip and annual travel and cancellation insurance. Unigarant's annual travel insurance came out best in the 2018 Consumentenbond test, and children up to the age of five are insured free of charge, as long as the policyholder has also registered them.
Univé
The Univé travel insurance policy can be extended with as many as 9 types of cover and has its own emergency centre that is available 24/7. On top of that, Univé gives attractive package discounts if other insurance policies have already been taken out. The package discount is shown below:
| Number of insurance policies with Univé | Package discount on the total premium |
|---|---|
| 2 | 2% |
| 3 | 3% |
| 4 | 4% |
| 5 | 5% |
| 6 | 6% |
| 7 | 7% |
| 8 | 8% |
| 9 | 9% |
| 10 | 10% |
Besides the attractive package discount, the honest and clear advice is also a plus point. Is extra legal expenses cover not needed because your current legal expenses insurance is sufficient? Then the people at Univé will honestly tell you so.
Centraal Beheer
At Centraal Beheer, too, there is a choice between single-trip and annual travel insurance. With the annual travel insurance, you can switch quickly between different types of cover. This makes it possible to have even a continuous trip of 365 days insured in a few clicks. Not all insurers allow this. In addition, a number of types of cover are included that are not offered by all insurers. These include, for example, the costs when an assistance dog dies, or the costs for someone who is suddenly called in for a donor organ.
FBTO
As with the other FBTO insurance policies, the FBTO travel insurance can be put together exactly as you like. The policyholder switches extra modules on and off as they please. The excess for luggage can be increased, but a minimum excess of €50 always applies to damage to laptops, tablets and smartphones. A plus point is that the modules can be switched off throughout the year, so that the annual travel insurance does not have to cost more than necessary.
Aegon
Aegon Nederland is now part of a.s.r. (source: asr.nl). The description below covers the travel insurance as Aegon offered it; anyone who still has an Aegon policy can find the current terms and conditions at a.s.r. At Aegon, there was a choice between basic travel insurance and all-risk travel insurance. In between, all kinds of optional cover could be added, so that the insurance fitted the traveller's needs. The difference between the basic travel insurance and the all-risk travel insurance is shown below.
| Cover | Aegon basic travel insurance | Aegon all-risk travel insurance |
|---|---|---|
| Luggage | Covered | Covered |
| Assistance | Covered | Covered |
| Car breakdown assistance | Covered | Covered |
| Winter sports, dangerous sports and diving | Covered | Covered |
| Europe | Covered | Covered |
| Worldwide cover | Optional extra | Covered |
| Backpackers | Covered | Covered |
| Cancellation | Optional extra | Covered |
| Medical costs | Optional extra | Covered |
| Money | Optional extra | Covered |
| Holiday accidents | Optional extra | Optional extra |
| Business trips | Never covered | Optional extra |
ING
ING offers traditional single-trip or annual travel insurance with excellent cover in Europe or worldwide. The premium can be calculated entirely online, which makes it immediately clear what effect certain types of cover have. Up to six people can be insured online in one go. A disadvantage is that additional cover then applies to the whole family. It is, however, possible to call customer service so that they can arrange individual exceptions by phone.
Read also: Injuries at sports camps: liability and insurance and Travel insurance.
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Frequently asked questions about travel insurers
Can't I just take out travel insurance through my travel agency?
You can, but it is not always recommended. Not all providers are equally clear about the terms and conditions, and at some agencies the prices really go through the roof. The Consumentenbond has therefore previously recommended at the very least being critical and reading the terms and conditions carefully in advance.
Do all travel insurers also cover studying abroad?
No. Travel insurance is often at least limited in duration, while a study trip quickly lasts longer than sixty days. With some insurers, it is possible to add extra cover and have longer trips insured for an additional payment.
What is the difference between luggage insurance and travel insurance?
Luggage insurance only covers damage to luggage, for example because it is lost or because it is damaged. Travel insurance can include luggage insurance, but first and foremost provides travel assistance and focuses on medical costs abroad.
Do all travel insurers also offer cancellation insurance?
Almost all travel insurers also offer cancellation cover. With some (annual) travel insurance policies, cancellation is even included in the price.
My credit card already includes travel insurance. Isn't that enough?
Often not. We often see that the terms and conditions of such insurance are very restrictive. For example, there are policies where only a death, an accident or a serious illness is a reason for cancelling the trip. That is obviously not enough. The added insurance is often very meagre. If that is not the case, the costs of the credit card are often very high, and a separate travel insurance policy would probably have been the better option.