Travel and coronavirus

What does my travel insurance and cancellation insurance cover?

Coronavirus has massively upset the travel plans of many. We have put together a list of the most important questions about how the current situation affects your travel insurance. If you have any questions about the coronavirus pandemic and legal expenses insurance, please check our page about coronavirus and your rights.

 

Is it a good idea to take out travel insurance now?

It is always a good idea to take out travel insurance when planning a trip. Travel insurance will cover a lot of unexpected events during your trip, such as your luggage being stolen. Do bear in mind, however, that not all costs incurred as a result of the coronavirus situation are covered. Keep reading to find out what is and what is not covered.

Coronavirus and travel insurance

No, your travel insurance will not cover you if you travel to a country or area that the Dutch Ministry of Foreign Affairs has advised against visiting.

Follow instructions given by the local government and police. Keep checking the latest travel advice from the  the Dutch Ministry of Foreign Affairs  (in Dutch). You can sign up for  the Ministry’s information service  (in Dutch) that keeps you up to date on all travel advice.
The   Calamiteitenfonds  covers costs incurred due to riots, terrorism or natural disasters. It does not cover costs incurred as a result of the coronavirus outbreak.
A situation may arise due to coronavirus that requires you to stay at your holiday destination for longer than planned and consequently incur extra costs. Such extra travel and accommodation costs are covered only if you or a travel companion become seriously ill during your trip and we have given you prior permission to incur these extra costs.
The Bijzondere Bijstand Buitenland scheme was discontinued on 8 April 2020. It is no longer possible to sign up to this scheme. Please contact the agency you booked your trip with to discuss how you can get home. If you did not book your trip through a travel agency or tour operator and you need help, you can call the Dutch Ministry of Foreign Affairs on +31 247 247 247. Lines are open 24/7.
Since your trip is not going ahead, we will refund the premium you paid for the short-term travel insurance. Please call +31 (0)38 49 67 082 to arrange this.
Yes, your travel insurance will continue to cover you if you can prove that you were already in the country in question. You will, however, be required to leave the country as soon as possible. If you don’t, you will cease to be covered by your travel insurance. We recommend, therefore, that you keep checking the latest travel advice from the Dutch Ministry of Foreign Affairs.

It doesn't matter whether or not you have been vaccinated. Travel advice from the Dutch Ministry of Foreign Affairs always prevails.

Coronavirus and cancellation insurance

The outbreak of coronavirus is not a valid reason for cancellation and is not covered. If you want to cancel your trip due to travel advice issued by the Dutch Ministry of Foreign Affairs, please contact your travel agency. Many travel agencies are currently making an exception to their normal booking rules and you can now often rebook your trip.

First of all, we wish you the best and hope you or your loved one recovers soon. Your insurance covers you, your spouse or partner or family members in the event of serious illness. A family member is a child, parent, grandchild, grandparent, brother, sister, brother-in-law, sister-in-law or partner. 

Your insurance does, therefore, cover illness caused by coronavirus, but only if you or your family member can submit a medical certificate confirming that you or they have contracted coronavirus no more than seven days before the scheduled departure date. 

In some cases, you will be able to rebook your trip. Please contact your travel agency to go over your options.

Your cancellation insurance covers you if you have to quarantine because you, your partner, your children or another member of your household has contracted coronavirus. You will need to be able to prove this by submitting a medical certificate. 

In some cases, you will be able to rebook your trip or get a voucher from your travel agency or airline.

Your short-term cancellation insurance takes effect from the moment you take it out, so it has already provided cover. If your travel agency has issued a voucher, we will extend your short-term cancellation insurance. Please call +31 (0)38 49 67 082 to arrange this.

Cancellation due to an entry ban is not covered. In some cases, you will be able to rebook your trip or get a voucher from your travel agency or airline.

If your flight has been delayed or cancelled, use Flight Claim, which is included in your legal expenses policy as standard. With Flight Claim, an ARAG lawyer will check whether you are entitled to compensation. If you have the 'Consumer and Home' module, ARAG Flight Claim will take on your case free of charge and go to court on your behalf if necessary.

No, this is not covered. This is not a valid reason for cancelling. Please contact your travel agency, tour operator, accommodation or transport operator to see whether you can rebook or get a voucher.

Yes, it’s a good idea to keep your cancellation insurance. That way you will be well insured if you need to cancel your trip unexpectedly due to a covered event, for instance, due to the death of an insured party or the loss of a permanent job.

Yes, it’s a good idea to keep your cancellation insurance in this case. If you want to freeze your cancellation insurance, you can do so once you have held the policy for at least a year. Don’t forget to reactivate your cancellation insurance within no more than 7 days of booking a new trip.

Travel and coronavirus

Any further questions?

If you have any other questions, please call us on  0900 - 00 24  (usual call charges apply). 

Due to the coronavirus precautions, waiting times are longer than normal. You can also submit your claim online.