Why should you take out specific insurance when you go on a trip or vacation?

What is insurance for traveling abroad?

• Travel insurance is insurance that provides coverage for risks during a trip or vacation abroad. This mainly concerns loss of or damage to your luggage, medical assistance, or repatriation costs if you need to be transported back home urgently. In some cases, travel insurance coverage also applies on domestic trips.
• With annual travel insurance or multi-trip travel insurance, you are insured for all your trips throughout the year.
• With temporary travel insurance or single-trip travel insurance, you take out insurance for each trip for the duration of the trip.
• Cancellation insurance reimburses (all or part of) the travel sum, cancellation or accommodation costs if you have to cancel or interrupt your vacation.

Why should you take out travel insurance for a short trip, vacation, or long-distance trip?

• Travel insurance can provide coverage in the event of an accident or emergency while you are abroad.
• Travel insurance can provide coverage for damage and accidents during the adventurous or sporting activities you plan to do.
• Travel insurance can continue to provide coverage if your health insurance no longer provides coverage, or if the damage is only reimbursed at cost price of your home country.
• Travel insurance can provide coverage in the event of damage, loss, or theft of your luggage.
• Travel insurance can provide coverage if you are held liable for damage you cause to other people or their property.
• Travel insurance can provide coverage if you have to return home early because something has happened to you or your immediate family.

What is important to insure when you are going to travel abroad?

• That you have insurance that is valid in the country or countries that you are going to visit.
• That you are adequately insured for the sports and activities you are going to participate in during your period abroad.
• That you are insured for emergency assistance and early return if something happens to you or your immediate family.
• That your medical expenses are insured up to the actual cost and not just for the standard costs. The costs per medical treatment vary greatly between countries.
• That you insure your luggage and take sufficient precautions against theft or damage.
• That you are well insured against personal liability.
• That you are well insured in case of accidents.
• That you only insure yourself for legal assistance if there is an immediate reason to do so, unless coverage is already automatically included in the insurance.
• That you pay close attention to choosing the right coverage when performing work alongside your travels.

Check out more about international insurances

• Why and where to take out travel insurances for abroad
• Why and where to take out insurances that cover medical expenses abroad
• Insurance for activities abroad when you are Dutch