Travel well prepared
Whether you are flying soon or going on holiday by car: it is wise to look into a good travel insurance. Unexpected events can seriously disrupt your holiday fun, but with the right coverage you will never face financial surprises.
What is travel insurance?
Travel insurance is your safety net abroad. It protects you against unexpected costs caused by illness, accidents, theft or loss of luggage. So you can focus on what really matters: enjoying yourself.
Types of Travel Insurance
Short-term Travel Insurance
Perfect if you only go on holiday once a year. You pay a one-off premium for the exact duration of your trip, from departure to homecoming.
Continuous Travel Insurance
Ideal for those who travel more often or book spontaneous weekend trips. You are insured all year round for a fixed amount, which is often more economical with more than 2 holidays per year.
What is covered?
Coverage differs per policy, but the basics usually include:
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Medical Costs: Reimbursement of doctor visits, hospital admission and medication not covered by your basic health insurance. Essential in countries with high healthcare costs.
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Luggage & Suitcases: Coverage against theft, loss or damage to your personal belongings, such as clothing, cameras and tablets.
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Emergency Assistance (S.O.S.): Coverage for necessary repatriation (return home) in case of serious illness, death or family circumstances.
Additional options
Complete your insurance with these modules:
"In short: travel insurance protects you against financial setbacks, so you can explore the world with peace of mind."
Already booked?
Don't forget to take out your cancellation insurance within 7 days of booking.
More about CancellationContinuous or short-term travel insurance?
Which travel insurance suits you best depends mainly on how often you travel. Do you go on holiday once a year? Then a short-term travel insurance is often sufficient. Do you travel multiple times a year or do you regularly go on city trips? Then a continuous travel insurance is usually more economical.
| Comparison | Short-term | Continuous |
|---|---|---|
| Number of trips | 1 holiday per year | Multiple trips per year |
| Payment | One-time premium | Monthly or annual premium |
| Flexibility | Only insured during the booked trip | Insured all year round |
| Economical for | A single holiday | Weekend trips and frequent travel |
Practical scenarios
Travel insurance sometimes seems like something you'll never need, until something unexpected happens. These are situations where good coverage can prevent a lot of financial worries.
Lost luggage
Your suitcase gets lost during a transfer at the airport. With luggage coverage you can often replace necessary items such as clothing and toiletries straight away.
Ill during holiday
You fall ill abroad and unexpectedly have to see a doctor or visit hospital. A travel insurance can reimburse medical costs that are not covered by your health insurance.
Cancel holiday
Due to illness or family circumstances you unexpectedly can no longer depart. With a cancellation insurance you can often recover a large part of the trip cost.
Damage or theft
Your phone or camera is stolen during your trip. Depending on your policy you can receive reimbursement for damaged or stolen belongings.
Frequently asked questions about travel insurance
Is travel insurance mandatory?
No, travel insurance is usually not mandatory. Still, it can be wise to travel insured, especially because of unexpected medical costs, loss of luggage or emergency assistance abroad.
What is the difference between travel insurance and cancellation insurance?
A travel insurance offers coverage during your trip, for example for medical costs or loss of luggage. A cancellation insurance reimburses (part of) the trip cost if your trip unexpectedly does not go ahead or has to be cut short.
Are my phone or laptop insured while travelling?
Electronic devices often fall under luggage coverage, but this differs per insurer and policy. Always check the maximum reimbursement amount and the conditions for theft or damage.
Am I insured for flight delays?
Some travel insurance policies offer reimbursement for lengthy delays, for example for extra overnight stays or necessary purchases. The exact conditions vary per provider.
Does my travel insurance also apply outside Europe?
That depends on the coverage chosen. Some policies offer only Europe coverage, while others are valid worldwide. Always check the coverage area of your policy in advance.
When is a continuous travel insurance more economical?
Do you travel several times a year, for example for holidays, city trips or business trips? Then a continuous travel insurance is often cheaper and easier than taking out a separate policy each time.
Are winter sports and special sports insured by default?
No, winter sports, diving or other high-risk activities often fall under an additional coverage. Always check whether your sport or activity is covered within the policy conditions.
Not sure which travel insurance suits you?
Use our AI Travel Assistant to easily understand policy conditions, coverage and differences before you book.
Ask the AI Travel Assistant