Discovering the Netherlands: Travel Tips and Essential Insurance Advice

14/06/2024

Travel Insurance Guide

The Netherlands, a country known for its picturesque landscapes, historic cities, and rich cultural heritage, offers travelers a unique and delightful experience. From the vibrant streets of Amsterdam to the charming windmills and tulip fields, the Netherlands is a destination that captivates the imagination. To ensure a smooth and enjoyable journey, having the right insurance coverage is crucial. Here’s a comprehensive guide to exploring the Netherlands and securing the appropriate insurance.

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Discovering the Netherlands: Must-Visit Destinations

1. Amsterdam

  • Rijksmuseum: Home to an extensive collection of Dutch Golden Age art, including works by Rembrandt and Vermeer.
  • Anne Frank House: A poignant museum dedicated to the Jewish wartime diarist Anne Frank.
  • Van Gogh Museum: Featuring the world’s largest collection of works by Vincent van Gogh.
  • Canal Cruises: Explore Amsterdam’s iconic canals with a scenic boat tour.

2. Rotterdam

  • Markthal: A striking architectural marvel that houses a vibrant food market.
  • Euromast: An observation tower offering panoramic views of the city.
  • Cube Houses: Unique and innovative cube-shaped houses designed by architect Piet Blom.

3. The Hague

  • Mauritshuis: A museum featuring masterpieces like Vermeer’s "Girl with a Pearl Earring."
  • Binnenhof: The historic complex housing the Dutch Parliament.
  • Peace Palace: Home to the International Court of Justice.

4. Utrecht

  • Dom Tower: Climb the tallest church tower in the Netherlands for stunning views of the city.
  • Oudegracht: A picturesque canal lined with shops, cafes, and historic buildings.
  • Museum Speelklok: A fascinating museum dedicated to self-playing musical instruments.

5. Giethoorn

  • Canal Village: Known as the "Venice of the North," this charming village has no roads, only canals and pedestrian paths.
  • Boat Rentals: Explore the village’s waterways with a rented boat or traditional whisper boat.

6. Zaanse Schans

  • Windmills: Visit beautifully preserved windmills and learn about their historical significance.
  • Traditional Crafts: Discover traditional Dutch crafts such as wooden clog making and cheese production.

7. Keukenhof Gardens

  • Tulip Fields: Visit in spring to see the world-famous tulip fields in full bloom.
  • Flower Exhibitions: Enjoy stunning displays of various flowers, including lilies, roses, and daffodils.

Essential Insurance Tips for Your Dutch Adventure

1. Travel Insurance

  • Medical Coverage: Healthcare in the Netherlands is of high quality, but medical treatment can be expensive for tourists. Ensure your travel insurance policy includes comprehensive medical coverage, including emergency medical evacuation.
  • Trip Cancellation and Interruption: Protect your investment with coverage for trip cancellations or interruptions due to unforeseen events such as illness, injury, or natural disasters.
  • Lost or Delayed Baggage: Choose a policy that provides compensation for lost, stolen, or delayed baggage to avoid inconvenience during your trip.

2. Health Insurance

  • European Health Insurance Card (EHIC): If you are an EU citizen, carry your EHIC for access to necessary medical care under the same conditions as Dutch residents.
  • Supplementary Health Insurance: Consider additional health insurance to cover private healthcare costs and medical repatriation.

3. Car Insurance

  • Driving in the Netherlands: If you plan to rent a car, ensure your car rental insurance includes coverage for collision damage, theft, and third-party liability. The Netherlands has excellent road infrastructure, but traffic in cities can be busy.
  • International Driving Permit (IDP): Depending on your home country, you may need an IDP to drive in the Netherlands. Verify the requirements before your trip.

4. Home Insurance

  • Unoccupied Home Coverage: If you’re leaving your home unoccupied during your trip, check if your home insurance policy covers unoccupied property. Some policies might require additional coverage for extended periods of absence.

5. Personal Liability Insurance

  • Accidental Damage: Personal liability insurance can protect you if you accidentally cause injury to someone or damage property during your trip. This is especially important in the Netherlands, where legal and compensation costs can be high.

Practical Travel Tips for Visiting the Netherlands

1. Language

  • Learn Basic Dutch Phrases: While English is widely spoken, learning a few basic Dutch phrases can enhance your travel experience and help in daily interactions.

2. Transportation

  • Public Transport: The Netherlands has an efficient and reliable public transport network, including trains, trams, and buses. Consider purchasing an OV-chipkaart for easy access.
  • Cycling: The Netherlands is famous for its cycling culture. Renting a bike is a great way to explore cities and scenic countryside.

3. Local Customs

  • Respect Cultural Norms: Dutch people value punctuality and direct communication. Be on time for appointments and don’t hesitate to ask questions or clarify information.
  • Dining Etiquette: Dutch cuisine is diverse and delicious. Don’t miss trying local dishes like stroopwafels, herring, and bitterballen. Tipping is appreciated but not mandatory.

4. Safety

  • Stay Vigilant: The Netherlands is generally safe for tourists, but it’s important to be aware of your surroundings and safeguard your belongings to prevent theft or pickpocketing, especially in crowded areas and tourist spots.
  • Safe Areas: Research safe areas to visit and avoid walking alone at night in unfamiliar or isolated places.

5. Weather

  • Seasonal Variations: The Netherlands has a temperate maritime climate with mild winters and cool summers. Pack accordingly and be prepared for occasional rain, especially if you’re visiting in autumn or winter.

Exploring the Netherlands is an exciting experience filled with cultural, historical, and natural wonders. Ensuring you have the right travel insurance coverage is essential for a worry-free trip. By following the travel tips and insurance advice provided in this blog, you can enjoy all that the Netherlands has to offer while being prepared for any unexpected events. Safe travels!


This article is designed to offer general advice and may not apply to every insurance, broker, insurer, cover or policy. You would need to check the individual policy benefits of each cover with your insurer or broker.

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