Travel insurance for the Netherlands from £1.08[1]
Key takeaways
The average cost of insurance for the Netherlands is £5.21[2]
Travel insurance will provide cover for emergency medical treatment, cancellations, and lost or stolen belongings
If you’re planning an activity or sport which isn’t covered, you may need to buy extra insurance
Do I need travel insurance for the Netherlands?
Holiday insurance is not a legal requirement. But without it you will be personally responsible for paying all the costs if something goes wrong with your trip.
Travel insurance can financially protect you if your holiday to the Netherlands is unexpectedly cancelled, you need medical treatment while travelling, or your valuables are lost, damaged or stolen.
According to the latest data from the Association of British Insurers:
British residents had to make 574,000[3] claims on their travel insurance in 2023
The average claim amount was £972[4] and the average medical claim £1,750[4]
In contrast, you can find travel insurance to the Netherlands from just £1.08[1]
What type of travel insurance do I need for the Netherlands?
The Netherlands is covered under European travel insurance policies. The specific type of policy you need depends on your travel plans:
If you are only visiting the Netherlands, choose single-trip travel insurance and select the Netherlands as your destination.
Combining a holiday in the Netherlands with visits to other countries, perhaps on an interrailing trip?
Single-trip travel insurance can cover multiple countries as long as:
You don't head home in-between countries. For that you need multi-trip insurance.
You are not away for a long time (policy dependent, but usually a month). For that you need backpackers’ insurance.
If you're heading outside Europe you will need to select worldwide cover.
You might save money by selecting an annual multi-trip travel insurance policy.
This will also cover you for staycations in the UK.
You can get travel insurance with a pre-existing medical condition, but it may be more expensive than a standard policy.
One trip to the Netherlands only
One trip to the Netherlands and other countries
Several holidays throughout the year
Travelling with a medical condition
How much is travel insurance for the Netherlands?
The table shows the average prices paid by our customers for holidays to the Netherlands this year.
Average price means 51% of customers paid this amount or less. Cheapest price means 10% of customers paid this price or less.
Cheapest Price | Average Price |
|---|---|
£1.08[1] | £5.21[2] |
Can I get last minute travel insurance for the Netherlands?
Yes, it is possible to get last-minute travel insurance up to the day of your departure, although not all insurance providers will offer this.
Compare last-minute travel insurance quotes | Cover from just £3.77[5]
Is it cheaper to buy travel insurance closer to my departure date?
No, it is usually more expensive to buy travel insurance last-minute.
If possible you should buy your holiday insurance as soon as you book your trip. That way you'll be covered if you have to cancel your holiday to the Netherlands.
What should my travel insurance policy for the Netherlands include?
🚩Different travel insurance policies have different inclusions and exclusions. You should always read your documents and check what you're covered for.
Standard travel insurance will usually cover:
Illness and accidents
Trip and activity cancellations
Lost luggage (including your passport)
Theft including pickpocketing
Repatriation (bringing you home if you are seriously injured, ill or dead)
Personal liability (you are responsible for accidentally harming someone or their property)
What isn't covered by travel insurance for the Netherlands?
Typical exclusions include:
Undeclared pre-existing medical conditions
'Unforeseeable' disasters including terrorism, war, strikes and natural disasters
Alcohol and drug-related incidents
Travel to areas advised against by the government (found on the FCDO website)
Adventure or winter sports
💡 Top tip: You can upgrade your insurance to include add-ons like winter sports, gadget cover and travel disruption cover.
Remember your excess!
Your excess is the amount of money you must pay towards any insurance claim you make. It is a fixed amount regardless of the claim size and it is set in advance when you take out your policy.
Increasing your excess can lower the cost of your policy, but make any claims less affordable.
Medical care in the Netherlands
British citizens can get some necessary state healthcare in the Netherlands for free, or at a low cost, with a Global Health Insurance Card (GHIC).
However, the UK government and the NHS advise that Britons with GHICs still take out comprehensive travel insurance when they visit the Netherlands, as the health insurance cards do not cover all medical situations and costs.
Will my EHIC/GHIC cover me in the Netherlands?
Yes, you can still use Global Health Insurance Cards (GHIC) or unexpired European Health Insurance Cards (EHIC) to get some free healthcare in the Netherlands.
GHICs are replacing EHICs, which will be phased out as they expire. UK residents can get a GHIC for free from the NHS website. The cards are valid for up to 5 years.
Can I get travel insurance for the Netherlands if I have a pre-existing medical condition?
Yes, you can get travel insurance cover with a pre-existing medical condition, but it may be more expensive than a standard policy.
A pre-existing condition is any medical issue for which you had symptoms, medication, medical advice, treatment, or tests before you took out your insurance policy. It includes mental health conditions and disabilities.
You must disclose all pre-existing medical conditions. If you don't, your insurer can refuse to pay out for a claim.
Compare medical conditions travel insurance quotes | Cover from just £4.92[6]
Do I need a visa to visit the Netherlands?
🚩 Visa requirements for a country can change. For the most up-to-date information, check the UK government’s foreign travel advice website.
You will not need a visa for visiting the Netherlands if you have a full UK passport. You are allowed into the Netherlands, or any country within the Schengen area, for up to 90 days in any 180-day period.
During this time you can visit as a tourist, see family and friends, attend business meetings, cultural or sports events, or for short-term studies or training.
Do I need vaccinations to visit the Netherlands?
🚩 Vaccination recommendations may be different for individuals with specific health conditions. We recommend speaking to your doctor before travelling.
The NHS Fit for Travel website recommends that your regular vaccinations are up to date before you travel to the Netherlands, including your flu and Covid-19 vaccines if you are eligible for these.
Some tourists also have the following vaccinations before arriving in the Netherlands: Diphtheria, and Tetanus.
Will travel insurance cover cannabis use in the Netherlands?
No, travel insurance does not cover incidents that happened because you were under the influence of drugs or alcohol. This is the case for medical claims, losing your belongings, and legal issues.
The fact that coffeeshops in Amsterdam and elsewhere in the country can legally sell cannabis does not change this.
What travel insurance do I need for a cruise in the Netherlands?
Your standard travel insurance policy will not usually cover you for going on a cruise trip. You will usually need to buy cruise insurance, or add it on to your existing policy. This protects you for things like days when you can’t set sail, missed departures, and if you need to be repatriated off the ship.
The average price our customers currently pay for insurance with cruise cover is £51.52[7].
How do I claim on my travel insurance?
Report the incident you want to claim for to your insurer as soon as possible
If something is stolen, report it to the local police within 24 hours and get a report
Keep records of what has happened, including photos or videos and the contact details of anyone involved
Read our guide to making a claim on your travel insurance.
Find cheap travel insurance for the Netherlands with MoneySuperMarket
Compare quotes from different insurers to find the best price for the level of cover you want. Don't want this task on your to-do list? We can do the work for you, saving you time and money.
Plus, we offer our travel insurance customers rewards! Get a voucher worth up to £5[8], a Free Days Out pass worth £180, and much more.
Just sign up to our free SuperSaveClub[9] before you buy your travel policy.
Compare travel insurance quotes | Cover from just £1.08[1] for the Netherlands
