What are the best travel insurances for the Netherlands in 2025?
- The best travel insurances for Netherlands
- Is it currently safe to travel to the Netherlands?
- Travel Insurance Requirements for a Visa to Netherlands
- Why take out travel insurance for Netherlands?
- Coverage Included in Travel Insurance for Netherlands
- The Cost of Travel Insurance for Netherlands
- How to pay less for your travel insurance to Netherlands
- Current insurance coverage in Netherlands
- FAQ
Travel insurance for Netherlands: key takeaways
1. Definition: Travel insurance for the Netherlands covers medical emergencies, trip cancellation, and lost luggage.
2. Key protection: Insurance isn't mandatory for US citizens but covers high overseas medical and emergency costs.
3. Healthcare cost: Healthcare is excellent but expensive; a hospital night can cost over $1,000 for visitors.
4. Price: A one-week travel insurance plan for the Netherlands typically costs between $30 and $60.
5. Good to know: Your US health insurance plan likely offers little to no coverage in the Netherlands.
Why trust HelloSafe?
HelloSafe is an international specialist in travel insurance comparison, advising over one million travelers every month. After analyzing 41 travel insurance policies available in the US, our experts share everything you need to know to choose the best travel insurance for the Netherlands.
The best travel insurances for Netherlands
| Contract we recommend | Medical reimbursement limit | Our view |
|---|---|---|
| HelloTravel Premium | $1.1M | Our recommended option for peace of mind in Netherlands. - very high medical limit - includes repatriation - wide-ranging benefits |
| Cap Assistance 24/24 | $1.1M | Ideal for city visits and active stays. - 24/7 medical helpline - trip cancellation protection - no deductible |
| Tourist Card | $550k | A simple, effective policy for Netherlands tourism. - good medical cover - emergency assistance - attractive pricing |
| Travel Pass Monde | $770k | Well-suited for longer trips or travel to several countries. - worldwide coverage - hospital costs covered - liability included |
| Globe Partner | $330k | A practical plan for affordable trips to Netherlands. - essential medical cover - repatriation - claim process is straightforward |
| Globe Traveller | $550k | Great value for short-term travel. - solid medical support - fast reimbursement - capped coverage |
- very high medical limit
- includes repatriation
- wide-ranging benefits
- 24/7 medical helpline
- trip cancellation protection
- no deductible
- good medical cover
- emergency assistance
- attractive pricing
- worldwide coverage
- hospital costs covered
- liability included
- essential medical cover
- repatriation
- claim process is straightforward
- solid medical support
- fast reimbursement
- capped coverage
Is it currently safe to travel to the Netherlands?
As of June 2025, the US Department of State advises travelers to exercise increased caution when visiting Netherlands, due to a persistent terrorism threat and the need for increased vigilance in busy areas.
Here are their four main recommendations.
- Security risks: terrorism remains an active concern, with possible threats in crowded locations such as Amsterdam’s city center, Schiphol Airport, and public transport. Pickpocketing and petty theft can also occur, particularly near major transportation hubs.
- Health risks: medical care in Netherlands is of high quality and easily accessible in urban areas. No vaccinations are required, but US Medicare/Medicaid coverage does not apply and medical costs can be substantial without insurance.
- Legal requirements: US travelers need a valid passport with at least three months’ validity beyond planned Schengen departure and at least two blank pages. The 12-page emergency US passport is not sufficient for visa-free entry.
- Cultural advice: public demonstrations may occur and can quickly disrupt movement or lead to temporary restrictions. Always follow directions from local authorities and monitor local news for updates on events and transport.
Although not required, travel insurance is strongly recommended by the US Department of State, particularly to cover medical expenses and emergency repatriation, which can be extremely costly in Netherlands.
Travel Insurance Requirements for a Visa to Netherlands
Travel insurance is not mandatory for travelers from the United States visiting the Netherlands for tourist stays of up to 90 days.
Still, travel insurance is strongly recommended. Medical care in the Netherlands is excellent, but non-residents must pay for all services, and U.S. Medicare is not accepted. Travel insurance helps cover unexpected illness, accidents, and theft.
According to our data, 50% of travelers purchase travel insurance before going to the Netherlands. This reflects the country's reputation for safety, but healthcare and personal losses can still become costly without coverage.
Why take out travel insurance for Netherlands?
It is an essential financial and medical protection for anyone going to Netherlands.
Health care in the Netherlands is of a high standard, but all visitors must pay full cost if they do not hold local insurance. Large hospitals like Amsterdam UMC or Erasmus MC Rotterdam provide excellent care, but medical services, emergency consultations, hospitalization, and medication can quickly become very expensive for travelers from the United States. U.S. Medicare is not accepted and out-of-pocket charges apply.
Travel insurance covers medical expenses, hospitalization, medication, ambulance transportation, and emergency repatriation to the United States in case of a serious issue.
Here are some examples of healthcare costs in Netherlands.
| Example of medical treatment | Cost at Amsterdam UMC | Covered by travel insurance |
|---|---|---|
| I have to be hospitalized 48 hours after contracting an infection | €4,500 (about $4,900) | Up to 100% |
| I broke my tibia (X-ray, cast, and crutch rental) | €3,200 (about $3,500) | Up to 100% |
| I need to be repatriated | €30,000 (about $32,800) | Up to 100% |
| I have appendicitis (consultation and surgery) | €8,000 (about $8,800) | Up to 100% |
These prices are given as an indication and may vary depending on the facilities and regions.
It is therefore essential to take out appropriate travel insurance to avoid unexpected and potentially high expenses.
Coverage Included in Travel Insurance for Netherlands
| Main coverages | Explanations and recommendations |
|---|---|
| 🏥 Medical expenses | Covers hospital visits, doctor fees, emergency care, and prescribed medication if you are sick or injured. We recommend at least $100,000 in reimbursement for care in Netherlands. |
| 🚑 Medical evacuation | Covers transport to a better facility or evacuation back to the United States if needed. A reimbursement limit of at least $150,000 is recommended for emergency evacuations. |
| ✈️ Trip cancellation | Reimburses non-refundable costs if your trip is cancelled for approved reasons like illness or natural disaster. We recommend at least $5,000 per person for trip costs. |
| 🧳 Lost or delayed baggage | Covers theft, damage, or late delivery of luggage and personal belongings. A minimum reimbursement of $2,000 per traveler is suggested. |
| 🦷 Dental emergency | Pays for urgent dental care needed during your trip. We recommend up to $1,000 in dental coverage. |
| 👨⚖️ Personal liability | Covers unintentional injury to others or property damage during your stay. Select a policy with at least $50,000 liability coverage in Netherlands. |
| 🏠 Trip interruption | Reimburses non-refundable expenses if your trip is cut short due to an emergency or illness. A limit of at least $5,000 is advisable. |
| 📞 24/7 assistance | Gives you access to a multilingual support line in case of emergency. Make sure your policy includes 24/7 global assistance coverage for Netherlands. |
We recommend at least $100,000 in reimbursement for care in Netherlands.
A reimbursement limit of at least $150,000 is recommended for emergency evacuations.
We recommend at least $5,000 per person for trip costs.
A minimum reimbursement of $2,000 per traveler is suggested.
We recommend up to $1,000 in dental coverage.
Select a policy with at least $50,000 liability coverage in Netherlands.
A limit of at least $5,000 is advisable.
Make sure your policy includes 24/7 global assistance coverage for Netherlands.
Travel insurance from local providers or bank cards usually has limited coverage, low reimbursement limits, and many exclusions. It is safer to choose a trusted insurer with comprehensive protection. Compare top options on HelloSafe and subscribe online for instant certification.
The Cost of Travel Insurance for Netherlands
| Trip duration | Traveler’s age | Indicative price per person |
|---|---|---|
| 1 week | 25 years old | $24 |
| 2 weeks | 45 years old | $43 |
| 1 month | 35 years old | $75 |
| 1 month | 70 years old | $128 |
These prices are indicative and may vary depending on the coverage chosen and the specifics of each insurer.
Good to know
The price of your travel insurance policy is determined by several variables. Key factors include: the traveler's age, the duration of the trip, the destination, the level of coverage, and any optional add-ons like cancellation protection. It is important to consider these elements to select the right plan for your needs and budget.
💡 It is always recommended to compare multiple offers to find the best value-for-money plan for you. You can use HelloSafe.
👉 Compare the best travel insurance for freeI compareHow to pay less for your travel insurance to Netherlands
Here are some suggestions to optimize the cost of your travel insurance to Netherlands while keeping good coverage:
| Criteria | Why it matters | Expert tip |
|---|---|---|
| 🗓️ Trip duration | Insurance costs increase with each added travel day. | Match your travel coverage exactly to your trip dates to avoid paying for extra, unused coverage. |
| 👥 Number of travelers | The more travelers included, the higher the total cost. | Use family or group policies to benefit from bundled pricing instead of several individual policies. |
| 🏥 Level of coverage | Major European cities can be expensive for medical emergencies and hospitalization. | Prioritize essential medical and emergency coverage and avoid add-ons unless truly needed. |
| 🧓 Traveler’s age | Older travelers pay more for insurance in most cases. | Heymondo does not increase its prices for people over 62, so compare to other insurers for savings. |
| 🧳 Baggage protection | Pickpocketing and theft can occur, especially near major transportation hubs. | Set baggage limits based on real value of what you’re bringing, not the maximum covered by default. |
| 🌍 Regional coverage | Worldwide coverage costs more, but the Netherlands is within most “Europe” options. | Choose Europe-only policies if you will not travel outside the continent during your trip. |
| 🧗 Activity coverage | Adventure sports or bike touring require special coverage and increase the premium. | Exclude adventure activities coverage if you do not plan to participate in high-risk pursuits. |
Current insurance coverage in Netherlands
It is legitimate to wonder if your existing insurances, such as credit card coverage or your public health system, can protect you during a trip to Netherlands. Unfortunately, this coverage is often very limited and may not address key risks abroad. Here is a summary table to help you review your current insurance and what it covers.
| Type of insurance | Valid in Netherlands? | What it covers | Why Travel Insurance is better |
|---|---|---|---|
| Public health insurance (Medicare, Medicaid) | No, never | No medical reimbursement outside the US. Does not cover foreign hospitalization or repatriation. | Travel insurance offers $100,000+ in medical and hospital care, plus emergency evacuation. |
| Private health insurance | Yes, partly | May reimburse some medical costs, typically up to $25,000. Rarely includes repatriation or direct hospital payment. | Travel insurance provides $100,000+ for care plus 24/7 support and evacuation. |
| Classic credit card (Chase Freedom, Capital One Platinum, Amex Blue) | Yes, partly | Medical expenses below $10,000, no or limited baggage loss and travel delay benefits. | Travel insurance covers $100,000+ and reimburses lost luggage, trip delay, or cancellation. |
| Premium credit card (Chase Sapphire Reserve, Amex Platinum, Citi Prestige) | Yes, partly | Medical costs up to $50,000–$100,000, some trip delay cover, limited evacuation. | Travel insurance pays $100,000+ and also covers emergency evacuation, cancellation, and more. |
Example
While cycling in Amsterdam, Mark was hit by a tram, suffering a complex leg fracture. The emergency surgery and hospital stay cost $25,000. His US health plan deemed it "out-of-network," and his Chase Sapphire card's travel insurance had a $2,500 limit, leaving him with a staggering $22,500 bill.
Expert advice
Always check the terms, exclusions, and limits of your existing insurance. Essential situations, like trip interruption due to a relative’s illness or death, might be excluded. Read the conditions carefully to avoid unpleasant surprises abroad. In all cases, it is safer and more reassuring to purchase a dedicated travel insurance policy tailored to your trip.
FAQ
Do I need a visa to travel to Netherlands?
U.S. citizens do not need a visa for tourist or business visits to Netherlands for up to 90 days within a 180-day period. Make sure your passport is valid for at least three months past your planned departure from the Schengen area and has at least two blank pages for entry and exit stamps.
How do I purchase travel insurance for Netherlands?
Start by comparing travel insurance plans using the HelloSafe travel insurance comparison tool. Carefully check each policy for inclusions and exclusions relevant to travel in Netherlands, such as medical emergencies, theft, and trip delays. Once you select a plan, buy it online, and you will receive your insurance certificate by email.
Does travel insurance cover medical care in Netherlands?
Yes, travel insurance typically covers emergency medical expenses, hospital stays, and doctor's visits in Netherlands. This is especially important since U.S. Medicare and Medicaid do not provide coverage abroad. Average emergency treatment costs can range from $150 to $2,000 or more, depending on the care needed.
If my belongings are stolen while in Netherlands, will travel insurance help?
Most travel insurance policies cover loss or theft of personal belongings, including luggage, electronics, and passports. Reimbursement depends on your policy’s maximum limits and requires supporting documentation such as a police report. Report theft as soon as possible to local authorities and your insurer.
Can I cancel my trip and get a refund if there is a security incident in Netherlands?
Some comprehensive travel insurance plans include trip cancellation coverage, which may reimburse non-refundable costs if your trip is disrupted due to security threats, illness, or other covered reasons. Always review your policy’s list of acceptable cancellation events and contact your insurer for instructions if the situation arises.
Are outdoor activities such as cycling and boating covered by travel insurance in Netherlands?
Many insurers offer coverage for popular activities like cycling, canal tours, and boating, which are common in Netherlands. However, coverage for accidents during these activities varies, so check your plan for any exclusions or “risky activity” clauses and consider purchasing a policy covering your planned excursions.
Do I need a visa to travel to Netherlands?
U.S. citizens do not need a visa for tourist or business visits to Netherlands for up to 90 days within a 180-day period. Make sure your passport is valid for at least three months past your planned departure from the Schengen area and has at least two blank pages for entry and exit stamps.
How do I purchase travel insurance for Netherlands?
Start by comparing travel insurance plans using the HelloSafe travel insurance comparison tool. Carefully check each policy for inclusions and exclusions relevant to travel in Netherlands, such as medical emergencies, theft, and trip delays. Once you select a plan, buy it online, and you will receive your insurance certificate by email.
Does travel insurance cover medical care in Netherlands?
Yes, travel insurance typically covers emergency medical expenses, hospital stays, and doctor's visits in Netherlands. This is especially important since U.S. Medicare and Medicaid do not provide coverage abroad. Average emergency treatment costs can range from $150 to $2,000 or more, depending on the care needed.
If my belongings are stolen while in Netherlands, will travel insurance help?
Most travel insurance policies cover loss or theft of personal belongings, including luggage, electronics, and passports. Reimbursement depends on your policy’s maximum limits and requires supporting documentation such as a police report. Report theft as soon as possible to local authorities and your insurer.
Can I cancel my trip and get a refund if there is a security incident in Netherlands?
Some comprehensive travel insurance plans include trip cancellation coverage, which may reimburse non-refundable costs if your trip is disrupted due to security threats, illness, or other covered reasons. Always review your policy’s list of acceptable cancellation events and contact your insurer for instructions if the situation arises.
Are outdoor activities such as cycling and boating covered by travel insurance in Netherlands?
Many insurers offer coverage for popular activities like cycling, canal tours, and boating, which are common in Netherlands. However, coverage for accidents during these activities varies, so check your plan for any exclusions or “risky activity” clauses and consider purchasing a policy covering your planned excursions.
