Make sure you have your policy number, photos of the damage and, if applicable, purchase receipts at hand.
Becoming ill or having an accident while travelling
What your travel insurance covers
Do you have to go home earlier because of life threatening illness or because of a seriously sick or deceased family member at home? Find out what your travel insurance covers in such cases while on a trip or vacation. We will make the arrangements necessary to accommodate your wishes.
Falling ill while travelling: how to report damage or loss
Collect the information you need
Claiming process
ABN AMRO Verzekeringen will handle your claim and request additional information, if necessary. Under 'view claim', you can see who is handling your claim and the status of your claim.
Personal claims handling
We will provide you with a personal claims manager who will be on hand to answer any questions you have about your damage and insurance.
How we help you while travelling
You would like to have a carefree holiday. That’s why we don't want to make things more difficult for you than they already are.
- Provide a personal claims manager who will answer any questions you have
- Provide 24/7 emergency assistance
- If you become ill while travelling, we will reimburse additional travel or accommodation costs for 2 family members
- In the event of illness or accident affecting the insured, their partner, close family member, or a travel companion, we cover the costs of an early return journey and expenses for the forthcoming days
- In case of the death of the insured, their partner, a family member, a travel companion, or a close friend, we provide coverage for an early return journey and expenses for the upcoming days
What is covered and what is not?
What is covered:
- Illness, hospital admission, or death of yourself
- An accident resulting in your permanent disability or death
- Early return home if you have sustained a life-threatening illness or accidental bodily injury
- Early return home due to a life-threatening illness, accidental bodily injury of you, your partner, a close family member or a travel companion
- Early return home due to the death of you, your partner, a family member, a travel companion, or a close friend
What is not covered:
- You do not have a Dutch health insurance policy
- You incur damage or loss resulting from travel to a country against advice from the Dutch Ministry of Foreign Affairs
- You incur damage or loss as a result of being under the influence of an intoxicant
- You engage in a fight or dangerous sport
Medical expenses
The extra cover for medical costs is an additional cover for the annual travel insurance. If you regularly travel outside The Netherlands it is often handy to take out this cover. Your health insurance will only cover the amount you would have to pay if you were treated in the Netherlands. Additional costs you have to pay yourself. This amount can add up quickly. Example: admission to hospital for appendicitis in the USA costs €50,000. In the Netherlands, it costs €2,500. If you don’t have cover for medical costs as part of your travel insurance, you will have to pay the difference of €47,500 yourself. With the additional cover for medical costs all costs will be covered by your insurance.
We also reimburse this in the event of illness or an accident while travelling
- Cost of search and rescue operations for missing and/or lost persons
- Cost of transporting your body back to the Netherlands
- Returning luggage to the rightful owners
- Visitation costs in case of hospitalisation
- Prepaid diving fees if you are no longer able to dive
Frequently asked questions
What does my annual travel insurance cover if I fall ill or have an incident during a trip or holiday?
Accidents
In the event of permanent disability due to an accident, you will receive up to a maximum of €100,000. In the event of death due to an accident, you will receive up to a maximum of €35,000.
Unforeseen expenses covered per trip
- Up to €5,000 for funeral service and cost of travel of family members to the destination country
- Up to €500 for necessary purchases during travel
- Up to €350 for telephone expenses, other than for the ABN AMRO Helpline
Medical expenses (additional cover) covered per trip
- Up to €1,550 for follow-on treatment (excluding dental treatment) in the Netherlands
- Up to €750 for dental treatment abroad and follow-on treatment in the Netherlands
- Up to €700 for a prosthetic device
View here all additional cover options such as the Medical Expenses additional cover under the multi-trip travel insurance.
Click here for a complete overview of the reimbursements (PDF, 34 KB) in the event of illness, an accident or death while travelling or on holiday.
What does my short-term travel insurance cover if I fall ill or have an incident during a trip or holiday?
Accidents
In the event of permanent disability due to an accident, you will receive up to €50,000 with the standard cover or up to €100,000 with the comprehensive cover. In the event of death due to an accident, you will receive up to €17,500 with the standard cover or up to €35,000 with the comprehensive cover.
Unforeseen expenses covered per trip
- Up to €5,000 for funeral service and cost of travel of family members to the destination country
- Up to €300 per trip for necessary purchases during travel with the standard cover. With the comprehensive cover this is up to €600 per trip
- Up to €350 for telephone expenses, other than for the ABN AMRO Helpline
Medical expenses (additional cover) covered per trip
- Up to €750 for urgent dental treatment abroad and follow-on treatment in the Netherlands
- Up of €700 per trip for the costs of a prosthesis prescribed within 1 year after an accident
Click here for a complete overview of the reimbursements (PDF, 184 KB) in the event of illness, an accident or death while travelling or on holiday.
What reimbursements will I receive if a family member or travelling companion falls ill or has an accident?
- In the event of illness or accident affecting the insured, their partner, close family member (first or second degree) or a travel companion, we will reimburse the early return home trip and costs incurred over the forthcoming days
- In case of the death of the insured, their partner, a family member (up to third degree), a travel companion, or a close friend, we provide coverage for an early return journey and expenses for the upcoming days
- In the event of serious damage to a travelling companion's home or business, we will reimburse the costs of the early return trip and the costs of travelling back to the travel destination within one month
- If your policy includes cover for cancellation, your insurance will cover the cancellation of your holiday or trip due to illness, accidental bodily injury or death of your partner or family member
Learn more about all the additional covers such as the additional cover Cancellation Fees under the multi-trip travel insurance.
Click here for a complete overview of the reimbursements (PDF, 83 KB) you will receive if you fall ill, sustain an accidental bodily injury or die during a trip or holiday.
What documents do I need to file the claim for damage or loss resulting from my illness during a trip or holiday?
You need to obtain a copy of the expense claims from your health insurer. You do not need to submit this when you file the claim, but the claims manager may ask for it.
What does my annual travel insurance cover if I also have cancellation insurance?
If your policy includes cover for cancellation, then your insurance covers worldwide the costs up to €1,500 or €3,000 of a cancellation due to:
- A serious illness or severe injury affecting the insured, their partner, a close family member (first or second degree), or a travel companion
- The death of the insured, their partner, a family member (up to third degree), a travel companion, or a friend
- Serious illness, life-threatening accidental bodily injury or death of a person with whom you were planning to stay with during the trip, but which, given the circumstances, is no longer possible
- Serious illness, life-threatening accidental bodily injury or death of an agent
- Complication arising from pregnancy or pre-existing medical condition of an insured, their partner or dependent child
What does my short-term travel insurance cover if I also have cancellation insurance?
If your policy includes cover for cancellation, then your insurance covers worldwide the costs up to the amount that is in your policy for:
- A serious illness or severe injury affecting the insured, their partner, a close family member (first or second degree), or a travel companion
- The death of the insured, their partner, a family member (up to third degree), a travel companion, or a friend
- Serious illness, life-threatening accidental bodily injury or death of a person with whom you were planning to stay with during the trip, but which, given the circumstances, is no longer possible
- Serious illness, life-threatening accidental bodily injury or death of an agent
- Complication arising from pregnancy or pre-existing medical condition of an insured, their partner or dependent child
View the terms and conditions for additional cancellation reasons. (PDF, 322 KB)
Interesting for you
Need to cancel your holiday or go home earlier?
Do you have to go home earlier because of illness or because of a sick or deceased family member at home? Find out what your travel insurance covers in such cases while on a trip or vacation. We will make the arrangements necessary to accommodate your wishes.
Your trip well insured
If something happens while you’re travelling, the last thing you want to think about is which insurer you need to call. That’s why it’s a good idea to have all your insurance policies, such as your travel insurance, your car insurance and your liability insurance, in one place. If you’d like to know which insurance policies might be useful during your trip, read this.