Annual travel insurance vs Globetrotter

If you go abroad for a longer period of time to backpack, do an internship or work abroad for the holidays, something can always happen unexpectedly. That is why you need travel insurance with the right coverage. With a long stay abroad you can choose from an annual travel insurance or a Globetrotter travel insurance. The only question here is which insurance is best suited to your journey. On this page, you will find the answer to this question.

What is covered by which insurance?

Below you will find an overview of the characteristics and advantages and disadvantages of both insurance policies.

Coverage and validity	Annual travel insurance	Globetrotter travel insurance
Maximum travel duration	On average 60 to 180 days, in certain cases it is possible to extend to a maximum of 365 days	2 years average
European coverage	Yes, by default	Yes, by default
World coverage	Yes, optional	Yes, optional
Liability	Optional	General coverage
Legal counsel	Optional	General coverage
Accidents	Optional	General coverage
Winter sports & other dangerous sports	Optional	Optional
Roadside assistance	Optional	Optional
Luggage	General coverage	General coverage
Personal assistance	General coverage	General coverage
Telephone costs	General coverage	General coverage
Damage to your accommodation	General coverage	General coverage
Extraordinary costs	General coverage	General coverage

* This table is a reflection of what is generally covered by (Globetrotter) travel insurances. This coverage may differ per insurer.

Coverage per situation	Annual travel insurance	Globetrotter travel insurance
Working abroad	Can be insured additionally	Co-insured
Internship abroad	Can be insured additionally	Co-insured
Studying abroad	Not always by default, can be insured additionally	Co-insured
Backpacking	Pay attention to the maximum travel time	Co-insured

* This table is a reflection of what is generally covered by (Globetrotter) travel insurances. This coverage may differ per insurer.

In most cases, you are not fully covered with an annual travel insurance policy during a long stay abroad. It is often not possible to travel for more than 90 to 180 consecutive days. Annual travel insurance is primarily intended for travellers who go on holiday several times a year and therefore do not stay together for a long period of time. If you go abroad for a long period to do an internship, to study or to work, there is a chance that you are not fully covered.

Go directly to the Globetrotter Insurance page.

Annual travel insurance

You can often take out an annual travel insurance policy once a year for the entire year. People often choose for this insurance if they go on holiday several times a year. Generally speaking, this insurance policy is cheaper than short term period travel insurances if you leave the country to go on vacation for about 21 days a year, or more. Examples of these holidays can be:

• Summer holidays at home or abroad
• Winter sports holiday
• Day trips in the Netherlands
• Weekend trips in the Netherlands or abroad
• Camping holiday

What does an annual travel insurance cover?

An annual travel insurance covers, among other things, the following:

• Extraordinary costs abroad
• Damage caused to the property accidentally during the holiday
• Costs made when calling Dutch help lines
• Loss or theft of luggage during the trip
• Personal assistance and additional medical costs above the Dutch rate

What are the advantages of an annual travel insurance?

• You do not have to take out travel insurance every time you go on holiday and thus save closing costs
• You can adapt an annual travel insurance to your personal wishes
• An annual travel insurance renews automatically

What are the disadvantages of an annual travel insurance?

• An annual travel insurance is often not longer than 90 to 180 consecutive days
• Choosing for World Cover is more expensive than European coverage
• An annual travel insurance often offers no coverage during your study, work or internship abroad

Globetrotter travel insurance

A Globetrotter travel insurance is a complete travel insurance policy that you take out if you decide to go abroad for a longer period of time. You can take out this insurance in the following situations:

• If you go backpacking for a longer period of time abroad
• If you are going to do holiday work abroad
• If you are going to study abroad
• If you will do an internship abroad

What does a Globetrotter travel insurance cover?

A Globetrotter travel insurance covers, among other things, the following:

• Hospitalization abroad
• Emergency return journey to the Netherlands
• Loss or theft of your luggage during the trip
• Liability
• Accidents
• Activities such as winter sports and diving are often included under the standard insurance coverage

What are the advantages of a Globetrotter travel insurance?

• This insurance can be taken out for a continuous period of a maximum of 2 years
• The insurance offers cover in situations such as work, study and internship abroad
• Medical costs can be taken out in addition to Dutch health insurance, but also as a replacement for Dutch health insurance
• Easy to renew online being abroad

What are the disadvantages of a Globetrotter travel insurance?

• During the trip you usually can not adjust the coverage
• You must pay the full premium before your trip. It is often not possible to do this in parts
• Everyone is obliged to take out a separate policy. It is therefore not possible to take out insurance with a group