Aegon travel insurance

Aegon originated from the merger of AGO and ENNIA. It is now one of the largest insurers in the Netherlands, but also operates internationally. You can not only go there to take out your travel insurance, but also for many other types of insurance. At Aegon, it is possible to take out continuous travel insurance. Aegon does not offer short-term travel insurance.

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Advantages of Aegon Travel Insurance

• Comprehensive basic coverage, including winter sports and scuba diving coverage.
• You can easily extend your basic coverage with the things that are important to you.
• Fast and accurate claims handling.
• You can adjust the deductible.

Disadvantages of Aegon Travel Insurance

• Taking out short-term travel insurance is not an option.
• Only a limited number of additional services are offered, such as a switch service.

Basic Travel Insurance Package

As mentioned earlier, at Aegon it is only possible to take out continuous travel insurance policy. The basic package provides you with the following coverage:

Basic Package
Personal assistance	24-hour emergency service + coverage of additional costs in case of emergency
Max number of days	Max. 180 days
Coverage area	Europe and countries bordering the Mediterranean Sea
Luggage	Up to €1,500,- per person
Extras	Winter and underwater sports coverage, damage inflicted on your rented holiday accommodation, and damage to your smartphone, laptop, or (photo) camera are covered up to a maximum of €1250,-.
Monthly premium	€3.46 per month without deductible

All-risk Travel Insurance

At Aegon, it is also possible to take out an ‘all-risk’ continuous travel insurance policy. With this insurance, some additional modules are included and you are reimbursed for higher amounts. This comprehensive travel insurance provides the following services:

Basic Package
Personal assistance	24-hour emergency service + coverage of additional costs in case of emergency
Max number of days	Max. 180 days
Coverage area	All countries of the world
Luggage	Up to €2,500,- per person
Extras	In addition to the extras from the basic insurance, also insured for medical costs, money and money-like paper, replacement transport/breakdown on the way, and cancellation.
Monthly premium	€7.19 per month without deductible

Deductible

At Aegon, it is possible to take out your travel insurance with a higher deductible. This is the part of the damage amount that you first need to pay yourself. If you choose a €0,- deductible, you will pay a premium of €3.64 for the basic insurance. If you choose a higher deductible, you will pay less monthly premium. You can choose a deductible of €100,- , €200,- , €350,- and a maximum of €600,-. To show the difference, at a €600,- deductible, you are paying a monthly premium of €2.65.

Overview of additional options

Aegon offers different types of additional coverages. For instance, it is possible to extend your coverage area to worldwide coverage. Are you traveling to the United States? Then this additional coverage is necessary. It is also possible to take out additional medical costs, money coverage, replacement transport/breakdown assistance, and cancellation insurance.

In the all-risk insurance, the additional modules listed below are already included.

Cancellation Module

Do you have to cancel your trip due to unforeseen special circumstances? Or break it off prematurely? Then, with the additional cancellation module, you will get (a large part of ) your cancellation costs reimbursed.

Cancellation Module
Premium	€0.90 extra per month

Medical Expenses Module

Do you incur medical costs due to an unfortunate event during your trip? Then Aegon will reimburse the costs, with prior permission. What exactly is covered?

Medical Expenses Module
Coverage for medical costs	-Medical costs outside the Netherlands are fully reimbursed. -Emergency treatments at the dentist are reimbursed up to a maximum of €250,- per year. -Replacement artificial limbs, braces or artificial eyes prescribed by a specialist, purchased within 12 months after the damaging event. -Repatriation to the Netherlands, transport from one hospital to another, and costs of medical supervision.
Premium	€0.49 extra per month

Money Module

With the money module, Aegon compensates for the damage you suffer as a result of the loss or theft of money or negotiable instruments that you have with you. If there is misuse of your debit card, for example, when someone withdraws money from your account using your pin code, this is not reimbursed.

Money Module
Coverage money module	Damage, loss or theft of your money or negotiable instruments up to a maximum of €250,- per trip.
Premium	€0.20 extra per month

Worldwide Coverage Module