Are you going on holiday soon? You often have to consider taking out travel insurance. That’s how an accident happened. One of the most common reasons for taking out travel insurance is to get help in an emergency. But even if you have to quarantine due to COVID, for example, the costs can be high.
In this blog you can read the answers to all your most important questions about travel insurance. We look at: what is travel insurance? What does travel insurance cover? Is travel insurance mandatory? And finally: when do you need travel insurance?
Carefree on the road: everything about travel insurance
What is travel insurance?
In 2020, a total of 28.7 million Dutch people went on holiday . For many people, taking out travel insurance is a logical step. When you take out travel insurance, you leave well insured and without any worries. There are two different travel insurance policies: short-term and continuous insurance.
The short-term insurance
If you do not go on holiday more than once or twice a year, the best choice is short-term travel insurance. For example, are you going on holiday for 5 days? Then you take out short-term travel insurance for 5 days. When you return after 5 days, your travel insurance will stop. You only have to pay the premium once.
The continuous insurance
Do you go on holiday more than twice a year? Then we advise you to take out a continuous travel insurance. You are then insured worldwide throughout the year. You do not have to take out travel insurance separately each time. Please note, because your continuous travel insurance is automatically extended.
What does travel insurance cover?
You have taken out travel insurance or are thinking about doing so. But what does such insurance actually cover?
When you take out travel insurance with standard or basic cover, you receive emergency assistance while travelling. For example, search and rescue, transport by ambulance to the hospital or other necessary medical care. If you have to go home early – also known as repatriation – you will also be reimbursed with the basic cover.
It is also possible to take out additional cover. The choice for additional coverage depends on your personal preference, other insurance policies you may have already taken out and the type of trip you plan to make. It is advisable to always call the emergency center of the travel insurer in case of (emergency) situations. This way you avoid high costs and disappointments if the costs are not reimbursed.
Is travel insurance mandatory?
Taking out travel insurance is not mandatory , but it is certainly not superfluous. The main reason is the help with any emergencies on vacation. Unforeseen situations often cost not only a lot of time, but also a lot of money. Do you need a rescue helicopter to the nearest hospital? This quickly adds up to thousands of euros! But also situations where you are not in immediate emergency, can lead to unpleasant situations if you have not taken out travel insurance. Don’t want to worry about anything on the road? Then simply take out travel insurance for a carefree sustainable holiday !
