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.

Coronavirus (COVID-19) update: please check the latest government travel advice that sets out what you need to do, if anything, before you travel abroad and before you return home. You should also check the latest travel advice and entry requirements for each country you visit or transit through. Travel rules can change at short notice, so check the Foreign, Commonwealth & Development Office (FCDO) for the latest information.

Josh Daniels
Travel Insurance expert
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Last Updated 9 FEBRUARY 2022

Do I need travel insurance for the Netherlands? 

While not mandatory, it’s highly recommended that you have travel insurance for trips to European destinations, including the Netherlands. Thankfully, most holidays go off without a hitch, but it's best to be prepared in case anything goes wrong. 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.

Customers with more serious pre-existing medical conditions

If you have a serious health condition, the price you pay for travel insurance is likely to be more expensive. However, there are still many providers out there and you should be able to find affordable cover. Whatever happens, don’t be tempted to lie to an insurance provider, because if you do and then need to make a claim, it could be rejected.

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.

How much is travel insurance for the Netherlands?

You’ll need European travel cover if you’re buying insurance for the Netherlands. 

A travel policy can cost from as little as £2.82 for a two-night break in Europe. [1]

Bear in mind though that the exact cost of your travel insurance will depend on several things, including your age, the level of cover you need for your trip, what activities you’re planning and any pre-existing health conditions.

If you travel regularly, you might find that an annual travel insurance policy could save you money overall. 

[1] Based on Compare the Market data for a single trip travel policy for a 20-year-old with no pre-existing medical conditions travelling in Europe for 2 nights. Prices correct as of January 2022.

What will travel insurance for the Netherlands cover? 

A travel insurance policy for the Netherlands will typically include:

  • Medical expenses cover – this could pay for your treatment if you have an accident or are injured on your trip. 
  • Cancellation cover and compensation for delayed departure – a must if you don’t want to find yourself out of pocket should unexpected emergencies prevent you going on your trip. But cover for a missed connection isn’t included in all policies, so if you want cover for this, make sure you check the policy T&Cs. 
  • Damage, loss or theft of your belongings  –  your travel insurance should offer cover if your luggage is damaged, lost or stolen. Remember to take note of any excesses that apply on your policy, as well as the overall possessions and single-item limit – the maximum your insurance provider will pay out for one item. 
  • Covid-19 – this can cover cancellation, medical expenses, extended stays and repatriation because of COVID-19. Get a travel insurance quote with us and you can compare the levels of COVID-19 cover available. Just look for the ‘more details’ option on the quote results page. 

What isn’t included in Netherlands travel insurance?

Before you buy your Netherlands holiday insurance, there’s a number of exclusions to watch out for:

  • Non-declared medical conditions – if you’ve been diagnosed with a condition that could require specialist care while you’re in the Netherlands, it’s vital you declare this. By failing to disclose any pre-existing medical conditions, your policy is likely to be void and you’ll have to pay for your treatment yourself.
  • Injuries or accidents resulting from high-risk activities – you’ll typically have to pay extra to cover sports like rock climbing, abseiling and zip-lining. 
  • Incidents related to alcohol and drug use – the Netherlands is popular with friends looking for lively nightlife. In Amsterdam in particular, you’ll find a range of bars and nightclubs. But if you’re injured or lose something because you’re under the influence, your claim will likely be rejected.
  • Terrorism, natural disasters and civil unrest – some policies offer limited cover for terrorism-related incidents and natural disasters, but you’ll need to clarify this with your insurance provider. Make sure at the very least that you’re covered for emergency medical expenses resulting from a terror attack.

What else should I consider when I choose my Netherlands travel insurance?

Think about any activities you’ll be doing while in the Netherlands and make sure your travel insurance covers them. You may need to pay more to cover:

  • Extreme sports – this can cover you for adrenaline-filled activities like skydiving over Rotterdam and bungee jumping from Scheveningen Pier.
  • Water sports – with lakes and canals galore, the Netherlands is a popular place for water sports holidays. Make sure you’re covered for activities such as kite surfing and sailing. 
  • Golf – the countryside around Amsterdam, Utrecht and The Hague provides some serene spots for a round of golf. You can add golf insurance to single trip or annual cover if it’s not already included in your standard policy. 

If you’re driving to the Netherlands, you may want to consider European breakdown cover.

Do I need a visa to go to the Netherlands? 

If you hold a valid UK or European passport, you won’t need a visa to visit the Netherlands. You can stay for up to 90 days in any 180-day period. You’ll also need to make sure your passport is less than 10 years old and has at least three months left on it before you leave to return to the UK.

More details about the entry requirements for the Netherlands can be found on the GOV.UK website, including rules on Covid-19 vaccines and testing. 

Do I need travel insurance for the Netherlands if I have an EHIC or GHIC card?

A valid European Health Insurance Card (EHIC) or Global Health Insurance Card (GHIC) will give you access to healthcare in the Netherlands, at the same cost as a local resident. But it shouldn’t be seen as a replacement for travel insurance as it won’t cover getting you back to the UK for medical treatment nor offer baggage cover, for example.

Now that the UK has officially left the EU, you’ll no longer be able to apply for an EHIC. But if you already have one that was issued before the end of 2020, then it’ll still be valid until the expiry date.

The UK government has introduced the GHIC to replace the EHIC. 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.

Any other tips for trips to the Netherlands?

As it’s just a short hop across the North Sea, the Netherlands is a popular destination for British tourists. Here’s a few travel tips to help you get the most out of your trip: 

  • Transport: 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. But 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. 
  • Climate: the weather in the Netherlands can be unpredictable, so remember to take a raincoat with you.

Where can I compare travel insurance quotes?

Whether you’re looking for cover 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.

Frequently asked questions

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.

Does my travel insurance cover cycling?

The Netherlands is a fabulous destination for cycling, thanks to its flat terrain and more than 23,000 miles of cycle paths. If you’re taking your bike on a cycling holiday, make sure you’re properly insured. Some standard travel policies will cover leisure cycling but not off-road and event cycling, so always check your policy documents before setting off.

What insurance do I need for a hen or stag do in Amsterdam?

Since most hen and stag parties held abroad involve several friends travelling together, it can be a good idea to take out group travel insurance. As well as often being cheaper and simpler, it also means everyone could be covered if the trip has to be cancelled.

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