The Best Travel Insurance Plans for the Netherlands in 2025
- The best travel insurance plans for Netherlands
- Is it currently safe to travel to Netherlands?
- Is travel insurance required by law to enter Netherlands?
- Why take out travel insurance for the Netherlands?
- What your travel insurance for Netherlands should cover
- The Cost of Travel Insurance for Netherlands
- How to pay less for your travel insurance to Netherlands
- Relying on your current insurance in Netherlands
- FAQ
Travel insurance for Netherlands: key takeaways
1. Definition: Travel insurance for the Netherlands covers medical emergencies, trip cancellation, and lost belongings.
2. Key protection: Insurance is not mandatory, but essential for covering costs beyond basic emergency care.
3. Healthcare cost: Healthcare is excellent but expensive; a hospital night can cost over AUD $800 without insurance.
4. Price: A one-week travel insurance policy for the Netherlands typically costs between AUD $40 and $80.
5. Good to know: Australia has a reciprocal health agreement, but it only covers medically necessary public hospital care.
Why trust HelloSafe?
HelloSafe is an international specialist in travel insurance comparison, advising over one million travellers every month. After analysing 42 travel insurance policies available in Australia, our experts share here everything you need to know to choose the best travel insurance for the Netherlands.
The best travel insurance plans for Netherlands
| Contract we recommend | Medical reimbursement limit | Our view |
|---|---|---|
| HelloTravel Premium | AUD 1.6M | Our top choice for trips to Netherlands. - high medical reimbursement - strong repatriation cover - wide network |
| Cap Assistance 24/24 | AUD 1.6M | Comprehensive medical care for all travellers. - 24/7 helpline - no deductible - cancellation cover |
| Tourist Card | AUD 800k | Ideal for tourists needing core protection. - good medical limits - emergency assistance - user-friendly process |
| Travel Pass Monde | AUD 1.1M | Balanced for extended or multi-destination travel. - robust limits - repatriation included - clear conditions |
| Globe Partner | AUD 480k | Solid, simple option for international trips. - essential health care - repatriation - civil liability |
| Globe Traveller | AUD 800k | Good for low-risk or short visits to Netherlands. - vital medical coverage - fast settlement - basic ceiling |
- high medical reimbursement
- strong repatriation cover
- wide network
- 24/7 helpline
- no deductible
- cancellation cover
- good medical limits
- emergency assistance
- user-friendly process
- robust limits
- repatriation included
- clear conditions
- essential health care
- repatriation
- civil liability
- vital medical coverage
- fast settlement
- basic ceiling
Is it currently safe to travel to Netherlands?
As of June 2025, the Department of Foreign Affairs and Trade (DFAT) advises travellers to exercise normal safety precautions when visiting Netherlands, reflecting a stable environment but with ongoing vigilance recommended, especially in busy urban centres.
Here are their four main recommendations.
- Security risks: some petty crime and scams target tourists in major cities like Amsterdam, especially during the busy summer period. Beware of thieves posing as plain-clothed police officers and never hand over cash or cards for inspection.
- Health risks: public health and medical services are of a high standard and similar to Australia. There are no major outbreaks, but the reciprocal health care agreement only covers urgent care and does not include private medical costs.
- Entry and legal requirements: Australians can visit visa-free for up to 90 days in a 180-day period, but must always carry a valid passport or official ID. New entry/exit biometric checks are expected from October 2025 for non-EU travellers.
- Urban hazards: cyclists have right of way and traffic can be confusing for visitors. Road rules are strictly enforced and fines for traffic violations are substantial, especially in city centres.
Although not required, travel insurance is strongly recommended by the Department of Foreign Affairs and Trade, particularly to cover medical expenses and emergency repatriation, which can be extremely costly in Netherlands.
Is travel insurance required by law to enter Netherlands?
No, travel insurance is not mandatory for Australian citizens visiting Netherlands for tourism or short stays.
It is still strongly recommended to take out travel insurance, as unexpected medical expenses, emergency repatriation, or theft can lead to significant costs. The reciprocal health care agreement between Australia and Netherlands only covers urgent and emergency treatment in public hospitals, and does not include private medical care or non-emergency services.
According to our data, 50% of travellers purchase travel insurance before going to Netherlands, mainly because it is a very safe country in Europe and health services are accessible, but costs for private care or specialised services can still be substantial.
Why take out travel insurance for the Netherlands?
It is an essential financial and medical protection for anyone going to Netherlands.
In Netherlands, while public hospitals such as Amsterdam UMC and Erasmus MC in Rotterdam provide excellent care, foreigners must pay for non-urgent or specialist services, and upfront costs at private clinics can be high. Even with a reciprocal health agreement, services like medical evacuation, medications, or treatment at private facilities are not covered.
Travel insurance covers medical fees, hospitalisation, medication, ambulance transport and emergency repatriation to Australia in the event 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 | EUR 2,000 (approx. AUD 3,250) | up to 100% |
| I broke my tibia (X-ray, cast, and crutch rental) | EUR 3,500 (approx. AUD 5,700) | up to 100% |
| I need to be repatriated | EUR 30,000 (approx. AUD 48,500) | up to 100% |
| I have appendicitis (consultation and surgery) | EUR 9,000 (approx. AUD 14,600) | 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.
What your travel insurance for Netherlands should cover
Here is a summary table of the main coverages you should look for in a travel insurance policy for Netherlands.
| Main coverages | Explanations and recommendations |
|---|---|
| 🏥 Medical expenses | Covers doctor visits, hospital care, and medicine in case of illness or accident. We recommend a reimbursement limit of AUD 300,000 or higher. |
| 🚑 Medical evacuation and repatriation | Pays for emergency transport back to Australia or specialist care in another country if needed. We recommend at least AUD 250,000 cover. |
| 🧳 Baggage and belongings | Replaces or reimburses lost, stolen, or damaged luggage and valuables. Select a limit of at least AUD 5,000 per person. |
| ✈️ Travel delay and cancellation | Reimburses costs if flights are delayed, cancelled or if you must return early due to emergencies. Look for at least AUD 10,000 cover. |
| 👩⚕️ Personal liability | Covers legal costs if you cause loss or injury to others. We advise a limit of AUD 1,000,000 minimum. |
| 🦷 Dental emergencies | Provides for emergency dental care not just routine treatment. A limit of AUD 1,000–2,000 is recommended. |
| 💱 Money and travel documents | Covers the theft or loss of passport, visa, credit cards, or cash. Guarantee a minimum of AUD 1,000–2,000 reimbursement. |
We recommend a reimbursement limit of AUD 300,000 or higher.
We recommend at least AUD 250,000 cover.
Select a limit of at least AUD 5,000 per person.
Look for at least AUD 10,000 cover.
We advise a limit of AUD 1,000,000 minimum.
A limit of AUD 1,000–2,000 is recommended.
Guarantee a minimum of AUD 1,000–2,000 reimbursement.
Travel insurance from local providers or via bank cards often offers limited coverage, with low limits and many exclusions. It is safer to choose a trusted insurer with full coverage. Compare top options on HelloSafe and subscribe online for instant certification.
The Cost of Travel Insurance for Netherlands
| Trip duration | Traveller’s age | Indicative price per person |
|---|---|---|
| 1 week | 25 years old | AUD 52 |
| 2 weeks | 45 years old | AUD 88 |
| 1 month | 35 years old | AUD 145 |
| 1 month | 70 years old | AUD 274 |
These prices are indicative and may vary depending on the coverage chosen and the specifics of each insurer.
Good to know
When sorting out travel insurance for the Netherlands, the price depends on a few things. Consider your age, trip duration, desired level of cover, and any pre-existing medical conditions. Keeping these factors in mind helps you pick the right policy, ensuring you're properly covered for your European trip, even with our reciprocal health agreement.
💡 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 |
|---|---|---|
| 🧑🤝🧑 Number of travellers | Group or family cover can be cheaper and simpler than individual policies for trips to the Netherlands. | Choose a family or group option for lower rates per person and shared policy benefits. |
| 🌎 Geographical coverage | Worldwide plans are more expensive. Only pay for European or Schengen cover if not visiting other continents. | Pick ‘Europe-only’ or ‘Schengen area’ policies to minimise extra premiums. |
| 🔍 Level of coverage | High medical limits and inclusions increase price. Moderate medical cover is generally enough for Dutch healthcare. | Opt for medical cover around AUD 250,000 to get peace of mind and keep your premium lower. |
| 🏥 Excess amount | The amount you pay when you claim. Higher excess reduces your annual premium, which may suit many Australian users. | Select a higher excess you can afford to cut your upfront premium but budget for claims. |
| 📅 Trip duration | Insurance for longer trips costs more. Shorter, single-trip policies are generally cheaper for Netherlands holidays. | Insure only your specific travel dates to avoid unnecessary policy costs. |
| 🏄♂️ Optional activities | Some risky sports and adventure activities in the Netherlands require extra cover. Only add them if needed. | Only include cover for activities you genuinely plan to do, like cycling or boating. |
| 👴 Traveller’s age | Older travellers may face higher premiums with many insurers. Netherlands public hospitals do not impose age surcharges. | Compare companies, as Heymondo does not increase prices for travellers over 62. |
Relying on your current insurance in Netherlands
It makes sense to wonder if your current insurance, such as credit card coverage or the Australian public health system, will be enough for travel in Netherlands. Unfortunately, these options are usually limited or not valid abroad. Only travel insurance can provide truly comprehensive protection for your trip. 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) | Never | No medical cost reimbursement overseas, no coverage for evacuation, repatriation, or personal liabilities. | Travel insurance can reimburse up to AUD 10,000,000 for medical emergencies, hospital stays, and medical evacuation. |
| Private health insurance (Bupa, Medibank, nib) | Limited coverage | Possible limited cover for overseas emergencies, usually capped at AUD 200–500, excludes baggage or cancellations. | Travel insurance offers much broader limits, including up to AUD 3,000–10,000 for personal belongings and delays. |
| Classic credit card (Commonwealth Bank, Westpac, ANZ) | Limited coverage | Covers trip delays, theft, or medical costs only if travel booked on card, often capped at AUD 500–2,500. | Travel insurance may cover trip cancellations, missed transport, and higher medical limits up to AUD 10,000,000. |
| Premium credit card (Amex Platinum, NAB Signature, Citi Prestige) | Limited coverage | Some health and travel benefits, usually max AUD 5,000–20,000 for emergency medical. Gaps for adventure sports. | Travel insurance covers sports and risky activities, plus generous health, liability and evacuation cover up to AUD 10,000,000. |
Example
Cycling in Amsterdam, Liam suffered a severe concussion. The ambulance and hospital stay cost AUD 15,000. Australia's reciprocal health agreement didn't cover the ambulance, and his NAB debit card's complimentary insurance had a high excess and low limit, leaving him with an unexpected AUD 12,500 bill for his short hospital visit.
Expert advice
Trip interruption for a relative's illness is often excluded from bank card and health insurance policies. Read your policy's fine print carefully to avoid surprises abroad. In all cases, it's safer and more reassuring to get dedicated travel insurance tailored to your trip.
FAQ
Do I need a visa to travel to Netherlands?
Australians do not need a visa for tourist or business stays of up to 90 days in the Netherlands within any 180-day period. Your Australian passport must be valid for at least three months beyond your planned departure date. From October 2025, travellers will also be required to provide fingerprints and a photo at their first entry to the Schengen Area.
How do I purchase travel insurance for Netherlands?
Start by using the HelloSafe travel insurance comparison tool to explore available policies. Carefully review what each policy covers and excludes, especially any aspects unique to travel in the Netherlands. Next, purchase your choice online and receive your certificate of insurance via email for your trip.
What medical services can Australians access in the Netherlands?
There is a reciprocal health care agreement between Australia and the Netherlands. This allows access to urgent public medical services, but does not cover all expenses such as private care, evacuation or ongoing non-urgent treatment. Travel insurance provides more comprehensive coverage and is highly recommended.
Does travel insurance cover theft and pickpocketing in the Netherlands?
Most comprehensive travel insurance policies cover theft of belongings, including wallets, phones and cameras, in the event of pickpocketing. The amount reimbursed can vary, so check policy limits and exclusions. Keep receipts and file a police report in the Netherlands if you need to make a claim.
Are natural disasters or severe weather events common in the Netherlands?
The Netherlands is not prone to major natural disasters, but localised flooding or strong storms do occur. Insurance policies often provide some cover for travel delays or changes due to weather. Always check your policy for the extent of these protections and any limits that may apply.
How much does travel insurance for the Netherlands typically cost for Australians?
Travel insurance for a two-week trip to the Netherlands usually costs between AUD 60 and AUD 150 per person. The price depends on age, health, level of cover and any add-ons such as winter sports or pre-existing medical conditions. Comparing policies is the best way to find value and suitable coverage.
Do I need a visa to travel to Netherlands?
Australians do not need a visa for tourist or business stays of up to 90 days in the Netherlands within any 180-day period. Your Australian passport must be valid for at least three months beyond your planned departure date. From October 2025, travellers will also be required to provide fingerprints and a photo at their first entry to the Schengen Area.
How do I purchase travel insurance for Netherlands?
Start by using the HelloSafe travel insurance comparison tool to explore available policies. Carefully review what each policy covers and excludes, especially any aspects unique to travel in the Netherlands. Next, purchase your choice online and receive your certificate of insurance via email for your trip.
What medical services can Australians access in the Netherlands?
There is a reciprocal health care agreement between Australia and the Netherlands. This allows access to urgent public medical services, but does not cover all expenses such as private care, evacuation or ongoing non-urgent treatment. Travel insurance provides more comprehensive coverage and is highly recommended.
Does travel insurance cover theft and pickpocketing in the Netherlands?
Most comprehensive travel insurance policies cover theft of belongings, including wallets, phones and cameras, in the event of pickpocketing. The amount reimbursed can vary, so check policy limits and exclusions. Keep receipts and file a police report in the Netherlands if you need to make a claim.
Are natural disasters or severe weather events common in the Netherlands?
The Netherlands is not prone to major natural disasters, but localised flooding or strong storms do occur. Insurance policies often provide some cover for travel delays or changes due to weather. Always check your policy for the extent of these protections and any limits that may apply.
How much does travel insurance for the Netherlands typically cost for Australians?
Travel insurance for a two-week trip to the Netherlands usually costs between AUD 60 and AUD 150 per person. The price depends on age, health, level of cover and any add-ons such as winter sports or pre-existing medical conditions. Comparing policies is the best way to find value and suitable coverage.
