Travel insurance for the Netherlands

Average customer rating: 4.3/5
Written by Tiana Lee-Collins
Reviewed by Eliza Buglar
Expert reviewed by Adrian Taylor
Updated 30 May 2025

Expert tips for choosing travel insurance for the Netherlands

Our travel insurance expert, Adrian Taylor, has some great tips for helping you search for the best travel insurance for your trip to the Netherlands.

Adrian Taylor
Executive General Manager – General Insurance

Declare your pre-existing medical conditions

Your health is important, so always declare your pre-existing medical conditions as part of your travel insurance application. Whether or not you can receive cover for your pre-existing conditions will depend on your insurer, individual circumstances and the nature of your conditions.

Match your policy to your itinerary

While no one wants to think about what could go wrong, make sure you consider coverage for medical expenses, cancellation fees, luggage or rental vehicle excess that you may need. Depending on your travel plans, you may need to take out additional cover for ski holidays or adventuring.

Increase your excess to reduce your premium

You might be able to choose a higher excess to reduce your premium (and vice versa). Your excess is what you pay out of pocket if you make a claim, so always choose a manageable excess amount that suits your budget.

Do I need travel insurance for the Netherlands?

Canals in Amsterdam in the eveningAlthough the Netherlands is known for being one of the safest countries in the world, it doesn’t mean it’s completely free of accidents, petty crimes and unforeseen illnesses. For example, bicycle accidents1 and petty theft2 are extremely common in the Netherlands, which is why it’s smart to be protected.

Anything can go wrong on any holiday, whether it’s simply bad weather or an issue with your health. Not only can travel insurance financially protect you from the unexpected, but it can also provide peace of mind so that you can kick back and focus on the important things, like admiring the tulip fields and windmills or visiting the Van Gogh Museum.

However, when choosing a policy, be sure to read the Product Disclosure Statement (PDS) for the full details of the inclusions, limits and conditions. Also read the Target Market Determination (TMD) to understand whether a policy matches the needs of you and your trip.

What should my travel insurance for the Netherlands include?

What your travel insurance provider may cover will depend on your itinerary. With the proper preparation, travel insurance can be a great way to cover your bases on your trip away.

Theft and loss of belongings

Cover for medical expenses

Trip cancellations and travel delays

Adventure cover

Snow cover

Coverage on the roads

More information on travelling to the Netherlands

What’s excluded from travel insurance for the Netherlands?

Is the Netherlands safe?

Do I need a visa for the Netherlands?

Meet our travel insurance expert, Adrian Taylor

Adrian Taylor
Executive General Manager – General Insurance

As a General Insurance expert with over 13 years’ experience in financial services, Adrian Taylor believes in educating customers about the importance of travel insurance so that anyone can kick back and make the most of their time away from home. While no one wants a disrupted holiday, a suitable travel insurance policy can provide a financial safety net for yourself, your belongings and your trip in case things go wrong.

1 Government of the Netherlands. Safe cycling. Accessed April 2025.

2 Smartraveller – Australian Government. Netherlands. Updated April 2025. Accessed April 2025.

3 Government of the Netherlands. Bicycles. Accessed April 2025.

4 Service Australia -Australian Government – Visiting Netherlands. Updated October 2024. Accessed May 2025.

5 Wellbeing Research Centre – University of Oxford. World Happiness Report. Updated March 2025. Accessed April 2025.

6 Smartraveller – Australian Government. Visas and entry requirements in Europe and the Schengen Area. Last updated April 2025. Accessed May 2025.