Do you need travel insurance for the Netherlands?
Travel insurance for the Netherlands could help with costs if something goes wrong. For instance, if you need personal liability cover or have to unexpectedly cancel your trip. Get protection for this and more:
- Tourists can be a target for crime, especially in popular areas. The Department of Foreign Affairs says: “Foreigners are often the targets of robbery, pickpocketing and bag snatching.” Get cover if your things are lost, stolen or damaged.
- You can use your European Health Insurance Card (EHIC) in the Netherlands. However, you’ll only get access to some state emergency care at the same price as locals. This won’t always be free and won’t cover all costs, such as medical repatriation. This can easily cost you thousands of euros without holiday insurance for the Netherlands. The DFA advises: “The EHIC is not a substitute for proper travel insurance provided by a reputable insurer.”
- The Netherlands may not be far from home. However, things can still go wrong on a trip there. For instance, there was “Chaos at Schiphol” airport recently when storms caused “dozens of flight cancellations and delays”. If your plans are disrupted, it helps to know you’ve got travel insurance that can cover eligible delays, missed connections or extra accommodation costs, depending on your policy.
What does JustCover’s Netherlands travel insurance cover?
Travel insurance for the Netherlands is a trip essential. Whether you’re visiting Amsterdam’s Rijksmuseum, tasting Dutch delicacies or exploring Holland’s windmills.
Always read our Policy Wording for full details of what is and isn’t included.
What's covered
Medical expenses in an emergency – If you’re sick or injured while away, get up to unlimited cover for emergency medical expenses. You’ll also be covered for medical repatriation.
Cancellation – Get protection for the cost of your trip if you have to cancel for certain reasons. This could include being called for jury duty or losing a loved one. You’ll also get curtailment cover if you have to cut your trip short in an emergency.
Lost, stolen or damaged belongings – Travel knowing your bags and belongings are protected. Taking away a laptop, phone, camera or tablet? Get additional gadget cover.
Personal liability – If you face legal expenses or liability while away, we could help. For instance, if you damage property or accidentally injure someone.
Legal protection cover – Need to claim damages or compensation due to something that happened on your trip? Get cover for certain costs.
Travel delays – Compensation to cover your time if your flight is delayed.
Access to our 24/7 emergency medical helpline – Help when you need it from our team.
What's not covered
Medical conditions that aren’t declared – You must declare any pre-existing medical conditions that fall within our medical warranty. Otherwise, you won’t be covered for costs linked to them.
Cancelling for reasons that aren’t covered – You won’t be covered when cancelling for reasons within your control, such as deciding you don’t want to go.
Taking part in activities or visiting a location not covered by your policy – It’s important to read your policy documents. These will explain the activities and places that are included. We offer additional cover if needed.
Going away for medical treatment or against medical advice – We cannot offer cover if you’re going away for planned medical treatment, or if you have been advised by your doctor not to travel.
Problems you knew might come up – If you knew you might make a claim before you booked your trip or bought your policy.
Claims below the excess – If your claim is less than the excess on your policy. You won’t be able to claim.
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Find the best travel insurance for the Netherlands
Is the Netherlands your one big holiday of the year? Or are you enjoying lots of trips in the next 12 months? We have both single and multi-trip travel insurance for the Netherlands available, so you can choose the right policy for you.
Annual multi-trip travel insurance
Adding a quick weekend in Amsterdam to your list of trips for the year? If you have multiple breaks planned, take a look at our annual policies. You might save yourself time and money.
Why choose JustCover for your Netherlands holiday insurance?
Exploring magical Efteling or the flower gardens of Keukenhof? Get travel insurance for the Netherlands from JustCover. We’ll keep things easy. No jargon, no waffle:
- 98% of our customers rate us as ‘Excellent’ or ‘Great’⁴.
- 98% of our customers would recommend JustCover to family and friends⁵.
- Get up to €10,000 cancellation cover⁶.
- We’re Ireland's most trusted travel insurance provider⁷.
- 100% of our customers would consider buying from JustCover again⁸.
Specialist travel insurance for the Netherlands
Seniors travel insurance
We’re proud to have no upper age limit. That means we can offer travel insurance for the Netherlands for those in their 70s, 80s and even 90s. Everyone deserves to enjoy a holiday.
Family travel insurance
From the rides of Efteling to the family-friendly galleries of The Hague. The Netherlands can be a great destination for a trip with the kids. Get everyone covered on one policy.
Cruise travel insurance
Whether cruising the rivers of Holland or visiting the Netherlands on a sea cruise, we offer extra protection. Get cover for missed excursions, cabin confinement and more.
How much does the Netherlands travel insurance cost?
Travel insurance for the Netherlands will normally cost less than a worldwide policy. That’s because you can use your EHIC to help with some emergency state medical costs. This brings the cost down for most European policies in countries under the EHIC scheme.
Other things that could impact the cost of Dutch travel insurance include:
- How long you’re in the Netherlands for. A policy for two days in The Hague will probably cost less than cover for a month exploring the whole country.
- If you’re also visiting neighbouring countries. Whether you’re interrailing or on a road trip, the Netherlands is a popular stop.
- Your age. A policy for a senior traveller will probably cost more, as you’re more likely to need to make a claim.
- Any pre-existing medical conditions you have. These also impact the chances of you making a claim.
- Any add on cover you need. Our holiday insurance for the Netherlands includes 100 activities as standard. If you need additional cover, we offer protection for golf holidays, cruises, skiing and more.
Do Irish citizens need a Schengen visa to visit the Netherlands?
Irish citizens don’t normally need a Schengen visa for a holiday in the Netherlands. You’ll need an Irish passport or passport card that’s valid for the whole of your trip. There is no Netherlands travel insurance requirement if you don’t need a visa. However, it’s still wise to buy a policy.
If your trip is longer than 3 months or you don’t have an Irish passport, you may need a visa. Netherlands Schengen visa travel insurance can be an entry requirement in these cases. So research this before you go.
Always check the guidance on the DFA website, as it can change.
Netherlands travel insurance for pre-existing medical conditions
Do you have a pre-existing medical condition? Then it’s particularly important to buy travel health insurance for the Netherlands. A policy will help you avoid high healthcare costs from your own pocket if something goes wrong.
Some standard providers may turn you down if you have a pre-existing condition. At JustCover, we can help. As medical specialists, we can consider more than 1,300 pre-existing medical conditions.
All you need to do is declare your conditions and answer our simple medical questionnaire accurately. Get travel insurance for the Netherlands with:
Will the EHIC cover you for your trip to the Netherland
Yes, the Netherlands is covered by the European Health Insurance Card (EHIC) scheme. However, it’s also important to take travel insurance for the Netherlands with you. The DFA advises: “The EHIC is not a substitute for proper travel insurance”. This is because:
- Your EHIC will only give you access to some emergency state medical care.
- This won’t always be free; it will be at the same price as locals.
- The card won’t cover all emergency medical costs. Such as if you need to be flown back to Ireland.
- It also won’t help with other costs, such as if your bags are stolen.
- You could easily face high costs from your own pocket without travel insurance for the Netherlands.
Understanding healthcare in the Netherlands
The healthcare in the Netherlands is some of the best in Europe. There is a mix of both private and state-run facilities. However, all residents must have paid for health insurance in order to access these. They can’t just use them automatically.
This is why it’s sensible to take both your EHIC and travel insurance for the Netherlands. Emergency medical costs can be very high in the country without proper cover.
What to do if you’re injured or ill while in the Netherlands
Before you go, research any important information you may need in an emergency. The DFA says: “Visitors can contact the emergency services in the Netherlands by dialling 112.” You should also look into which emergency facilities will be available nearby, especially if you have a pre-existing medical condition.
In a medical emergency, once you’re safe and receiving treatment, call our 24/7 helpline. Do this as soon as possible and before making a claim with us. Read our claims page and Policy Wording for full details.
A simple 3-step process to book your Netherlands travel insurance
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You will only need to tell us some information about yourself and your holiday plans
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Now all you need to do is to choose the level of cover that best suits your needs
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Purchase your cover and you’re ready to go – we’ll take care of the rest!
Expert travel insurance advice from our team
"From the sights of Amsterdam, to the galleries of The Hague. The windmills of Holland, to the cheeses of Edam. The Netherlands packs a lot into one small country. You may think you don’t need travel insurance for the Netherlands as you have your EHIC. However, this will only give you access to some state healthcare at the same price as locals. If you face other costs, such as medical repatriation, you could get a bill of thousands of euros. Dutch travel insurance is the best way to know you’re protected."
Peter Clark - JustCover Director
What our customers say
“Angelina was extremely helpful and patient, and courteous. She explained everything clearly. The initial phone call was answered promptly, and I wasn't left hanging on the phone. It was a stress-free experience.”
see full reviewIs it safe to travel to the Netherlands?
The Netherlands is generally a safe country to visit. However, all destinations carry risks, and you should always do your research before a holiday. Some things you should be aware of include:
- Crime: Tourists can be a target for crime, especially in busy areas. Keep your things secure. Try to split them across different bags or leave some valuables in a safe place. Avoid dark/unlit streets and be particularly careful when using ATMs. There are reports of tourists having their drinks spiked, as well as others being scammed by people impersonating police officers.
- Transport: Read up on the rules of the road if you plan to ride a bike or moped, or drive a car. You should also be aware of these as a pedestrian. Bikes and trams are popular in the Netherlands. You need to watch out for these as well as cars when crossing.
- Terrorism: At the time of writing, there have been recent terrorist incidents in the Netherlands. Read the DFA website for the latest information. Follow the advice of local authorities and be vigilant, reporting any suspicious activity.
- Travel insurance for the Netherlands: The DFA advises you should: “Get comprehensive travel insurance that covers all planned activities.” Check that anything you want to do is included, or buy extra cover. You should also take your EHIC.
Read the DFA website for full, up-to-date information.
Netherlands travel tips and recommendations
From the artistic charm of Utrecht to the modern architecture of Rotterdam, the Netherlands is a great destination. Prepare for your trip and make sure you’re ready to enjoy every moment with our tips:
- Money: Take both cash and cards. Some places will only accept one form of payment. Trams, buses and the metro often only take cards. Tipping isn’t necessary, but is appreciated when you receive good service from hospitality staff.
- ID: You must carry your ID at all times if you’re over 14. This will normally be your passport if you’re visiting on holiday.
- Tulips: If you plan to see the tulips of Holland, time your trip well. They’re only around for 1-2 months of the year, normally at Easter.
- Transport: Trains, trams and buses in the Netherlands are a fantastic way to get around. It’s possible to see lots of the country without a car. Although it’s also easy to take your own vehicle on a ferry to France and drive from there.
- Health: This one is especially important if you have a pre-existing condition. Speak to your doctor to make sure you’re fit to travel and for advice on any precautions. Take plenty of your medication, including extra in case you’re delayed. Some countries have restrictions on some medications, so research this in advance. Plan plenty of breaks during your trip to rest and relax.
- Passport: Make sure your passport is valid for the whole of your trip. Read the latest advice from the Department of Foreign Affairs on entry requirements. Most Irish passport holders won’t need a visa for a holiday to the Netherlands, but it’s important to check.
- Drugs and alcohol: You won’t be covered by travel insurance for the Netherlands if you were under the influence of drugs or alcohol when something happened. You should also research and follow all local laws.
Frequently asked questions about travel insurance for the Netherlands
Is there a maximum age limit for travel insurance for the Netherlands?
Many standard providers will have an age limit for travel insurance to the Netherlands. At JustCover, we’re different. We have no upper age limit and can offer senior travel insurance for:
That’s because we think everyone deserves to go away on holiday knowing they’re covered.
What travel insurance is best for the Netherlands?
If you’re looking for the best travel insurance for the Netherlands, look for a comprehensive policy. One that covers:
- Emergency medical expenses and repatriation.
- Your belongings against loss, damage and theft.
- Having to unexpectedly cancel or cut your trip short for certain reasons.
- Travel delays, personal liability, legal protection and more.
You should also consider whether you need any extra cover that’s not included as standard. For instance, ski insurance for the Netherlands or cruise cover.
Read our Policy Wording for full details and exclusions for travel insurance for the Netherlands.
Will travel insurance cover you if you rent a bike in the Netherlands?
You can rent and ride a bike in the Netherlands and be covered for emergency medical expenses if you’re injured. However, you must follow all conditions listed in our Policy Wording. Including:
- Wearing appropriate safety equipment, clothing and a helmet.
- Taking necessary safety precautions as appropriate.
This excludes mountain biking, BMXing and if you’re taking part in a competition.
We cannot cover you for the cost of the bike if it’s lost, stolen or damaged. We offer additional cycling holiday cover if needed.
Is healthcare free in the Netherlands for Irish citizens?
No, Irish citizens do not automatically get free healthcare in the Netherlands. If you carry your EHIC, it will give you access to some state emergency care at the same price as locals. This won’t always be free and won’t include all costs.
The DFA advises: “The EHIC is not a substitute for proper travel insurance”. You should take both your EHIC and travel insurance for the Netherlands. Otherwise, you could face a bill of thousands of euros for emergency costs like medical repatriation.
Where is the Netherlands for travel insurance purposes?
Travel insurance for the Netherlands sits under our European policies. These include countries such as France, Germany, Portugal and Italy. Travel insurance for Holland and the rest of the Netherlands protects you if you face a medical emergency while away. If your things are lost, damaged or stolen. Or if you need to cancel unexpectedly for certain reasons.
Is travel insurance a requirement for visiting the Netherlands?
You may wonder whether the Netherlands has a travel insurance requirement. If you’re an Irish passport holder going on holiday to the Netherlands, you’re unlikely to need a visa. If that’s the case, then travel insurance won’t be mandatory. However, it’s still sensible to buy a policy.
It can be mandatory to get travel insurance for a Netherlands visa if you need one. So check in advance if that’s the case for you. The DFA has information on this. Always read the latest advice before you travel, as it can change.
When should you buy your Netherlands travel insurance?
This will depend on whether you plan ahead or prep last-minute:
- Plan ahead? Get cover for unexpected cancellation for certain reasons for as long as possible. You can buy a policy up to 12 months before your trip.
- Prep last-minute? Don’t worry, you can still buy a policy on the day of departure. As long as you haven’t gone through customs in Ireland yet. Once you’ve left Ireland, you can no longer buy a policy. Read our travel insurance for Holland and the Netherlands Policy Wording for more details.
Can you get last-minute travel insurance for the Netherlands?
Yes, we make it as easy as possible to get last-minute travel insurance for the Netherlands. You can buy a policy as late as the day of your departure. As long as you haven’t gone through customs in Ireland yet. Once you’ve left the country, we’re afraid we can no longer offer you a policy. See our Policy Wording for more details.
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2. Covers cancellation for certain reasons outside of your control and detailed in our Policy Wording. Amount of cover depends on the policy level you have purchased.
3. Based on Trustpilot reviews of all companies in Ireland within the Travel Insurance Company category - January 2025.
4. Based on 2,000+ Trustpilot responses, as of 12/05/2025.
5. Based on 128 responses, correct as of 27/08/2025.
6. Covers cancellation for certain reasons outside of your control and detailed in our Policy Wording. Amount of cover depends on the policy level you have purchased. Read our Policy Wording for full exclusions and T&Cs.
7. Based on Trustpilot reviews of all companies in Ireland within the Travel Insurance Company category - January 2025.
8. Based on 128 responses, correct as of 27/08/2025.