Compare travel insurance for the Netherlands

Whether you’re off for a romantic city break in Amsterdam or looking for a tour of the tulip fields, a good travel insurance policy will give you peace of mind, wherever your Dutch adventures take you. 

Whether you’re off for a romantic city break in Amsterdam or looking for a tour of the tulip fields, a good travel insurance policy will give you peace of mind, wherever your Dutch adventures take you. 

Josh Daniels
From the Travel team
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Posted 18 JANUARY 2021

Do I need travel insurance for the Netherlands? 

You’ll need some sort of European travel cover for the Netherlands. The type of insurance you choose will depend on the nature of your trip, how long you’re going for and whether you’re visiting any other countries.  


The travel traffic light system currently states that trips to green and amber listed countries are legally permitted if you live in England and Scotland. If you live in Wales and Northern Ireland, you still need to follow the rules for your relevant government.

Please note: from 4am on 4 October 2021, the current traffic light system will be replaced by a single red list of countries.

Currently, if your destination of choice is on the green or amber list, you still need to check the latest travel advice and entry requirements for each country you visit or transit through. This is to ensure you are aware of any specific requirements relating to entry and ensure travellers from the UK are permitted. Countries can have their traffic light status changed with short notice and you should take this into consideration when looking to travel. Please check the Foreign, Commonwealth & Development Office (FCDO) for the latest information.

The FCDO currently advises against all but essential travel to red list countries. Most insurance policies purchased to cover a trip to a destination where the FCDO has instructed citizens not to travel to won’t be valid, however, some insurance providers may offer reduced cover if you’re travelling for essential purposes. Should you have any queries, please check the policy wording, or contact your chosen provider before purchasing, to ensure the cover meets your needs.

Travel within England, Scotland and Wales is permitted under the current guidelines. However, public health rules and lockdown restrictions continue to vary, including entry restrictions for Northern Ireland. Check the latest guidance from the official tourism boards for England, Scotland, Wales and Northern Ireland respectively.

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Customers with more serious pre-existing medical conditions

When you declare medical conditions on our website, we’ll only show quotes from insurance providers who will cover all declared medical conditions, with no exclusions. 

MoneyHelper has launched a directory of insurance providers who may be able to provide quotes over the phone if you have more serious medical conditions. Find more information at MoneyHelper or by calling them on 0800 138 7777.

What’s the difference between Holland and the Netherlands? 

The Netherlands is made up of 12 provinces, and Holland is made up of only two of them, Zuid-Holland and Noord-Holland.  

What will travel insurance for the Netherlands cover? 

Here are the basic things you need to look for in a good travel insurance policy: 

  • Medical expenses cover could pay for your treatment if you have an accident, or are injured on your trip. 
  • Cancellation cover and compensation for delayed departure are a must, if you don’t want to find yourself out of pocket should unexpected emergencies prevent you going on your trip. 
  • Damage, loss of belongings or theft can ruin your holiday. Make sure the cost of your valuables is covered by your travel insurance, so you don’t risk returning empty handed. 

Do I need a visa to go to the Netherlands? 

If you currently hold a valid UK or European passport, you won’t need a visa to visit the Netherlands, for up to 90 days in any 180-day period.

Can I use my European Health Insurance Card (EHIC) in the Netherlands? 

A valid EHIC card will give you access to healthcare in the Netherlands, at the same cost as a local resident.

After Brexit, and the UK officially left the EU with a deal in place, things have changed. You won’t be able to apply for an EHIC anymore, but, if you have one already, issued before the end of 2020, then it’ll still be valid until the expiry date.

However, the UK government has introduced a replacement called the Global Health Insurance Card (GHIC). If you don’t have an EHIC, or once yours expires, you can apply for a GHIC here, and it should arrive within 10 days. The GHIC will offer the same cover as the EHIC did in EU countries.

What else do I need to know for my holiday in the Netherlands? 

  • Bicycles have right of way. Be sure to stay out of cycle lanes and listen out for bicycle bells if you decide to hire a car during your trip. 
  • Tipping. Service charges are usually included in bills at hotels, restaurants and for taxi services. However, tips of 10% are appreciated for good service. 
  • History and culture. Don’t miss out on a visit to the Anne Frank House, the Netherlands’ national museum - the Rijksmuseum - and the Van Gogh museum when passing through Amsterdam. 

Start comparing travel insurance 

Whether you’re looking for a single trip or you’re buying for multiple destinations, comparing travel insurance is the best way to find a policy that’s right for you. 

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