FBTO travel insurance

FBTO, fully known as Friese Boeren en Tuinders Onderlinge (Frisian Farmers and Horticulturists Mutual), is an insurance company founded in 1956. In the post-WWII reconstruction years, mainly farmers and horticulturists wanted to secure their money. After 1963, FBTO was the first insurer to apply direct writing; offering insurances without the involvement of third parties. Now, anyone can become a customer. At FBTO, you can take out various types of insurance, including short-term or ongoing travel insurance.

Directly to FBTO

Advantages of the Travel Insurer

• A rather basic but solid base package which allows you to choose which items you want to include or exclude from the coverage, so you do not pay for things you do not use.
• You can switch the additional coverage modules on and off throughout the year.

Disadvantages of the Travel Insurer

• The base package covers necessary items but can’t be called extensive. To expand the coverage, additional insurance is required, leading to a higher premium.

Basic Package FBTO

	Short-term Travel Insurance	Continuous Travel Insurance
Personal assistance	Max. cost price + FBTO emergency center	Max. cost price + FBTO emergency center
Max number of days	Duration of coverage	Max. 60 days
Coverage area	Europe	Europe
Luggage	Max. €2500,- per person with €100 deductible	Max. €2500,- per person with €100 deductible
Premium	€11.52 (based on a 14-day holiday)	€2.30 per month

When taking out the basic insurance, you can choose between Europe or Worldwide coverage. If you opt for worldwide coverage with continuous travel insurance, you will pay an additional premium of €0.60 per month. If you choose worldwide coverage for short-term travel insurance, you will pay €18.10 (based on a 14-day holiday).

Long Travel Module

	Continuous Travel Insurance
Long Travel Module	Instead of a maximum of 60 consecutive days, you can travel consecutively for 365 days.
Premium	€2.50 per month

If you’re going to make a long trip of more than 60 days, this additional module will be helpful. With the long travel module, you can travel consecutively for 365 days. This module is also interesting if you plan on doing an internship abroad or studying abroad for a longer period of time.

Overview of Additional Options

What additional options does FBTO offer besides the basic package? The basic coverage, in some situations, might not be sufficient for you. For example, suppose you’re going on a winter sports trip, this may mean you’re looking for additional winter sports coverage. You can opt for this type of coverage and other additional modules described below.

Cancellation Module

	Short-term travel insurance	Continuousl travel insurance
Coverage of cancellation module	The insured travel sum determines the coverage. For example, you take out the cancellation module for a value of €1,000,-.	Cancellation costs are reimbursed up to €14,000 per year.
Premium	€45 extra (based on a 14-day holiday and a travel sum of €1,000)	€3.28 extra per month

Are you forced to leave your trip prematurely or can your trip not go ahead because of an unexpected cause? These and other circumstances can throw a spanner in the works during or before your trip. If you have taken out the cancellation module in such a situation, you will be reimbursed for the costs you made for the unenjoyed travel days up to a maximum of €14,000 per year.

Medical Costs Coverage

	Short-term travel insurance	Continuous travel insurance
Medical costs coverage	-Additional medical costs above the cost price incurred abroad are fully eligible for reimbursement. -Dental costs due to an accident up to a maximum of €500,-.	-Additional medical costs above the cost price incurred abroad are fully eligible for reimbursement. -Dental costs due to an accident up to a maximum of €500,-.
Premium	€3.75 extra (based on a 14-day holiday)	€0.76 extra per month

Imagine: you must go to the hospital abroad urgently. The treatment is, in many cases, reimbursed by your health insurance up to only the cost price. This is up to the amount that similar treatment would have cost in the Netherlands. In some countries, like the US, healthcare costs are much higher. In such a case, this additional module provides a solution. However, always check whether you have already taken out additional insurance for extra medical costs through your health insurance. Be aware of over-insurance.

S.O.S. Car Breakdown Assistance Module

	Short-term travel insurance	Continuous travel insurance
Replacement transport	Up to €150 per day for the hire of replacement transport, up to a max. of 20 days.	Up to €150 per day for the hire of replacement transport, up to a max. of 20 days.
Driver incapacitation	Through the FBTO emergency centre, additional travel costs are fully reimbursed + a maximum of €70 per insured person per day as compensation for additional accommodation costs.	Through the FBTO emergency centre, additional travel costs are fully reimbursed + a maximum of €70 per passenger per day as compensation for additional accommodation costs.
Legal assistance	No legal support.	No legal support.
Premium	€16 extra (based on one summer month)	€2.50 extra per month

Car or motorcycle breakdown? With the S.O.S. car breakdown assistance module, you get help in these situations through the FBTO emergency centre. In case of a breakdown, contact this emergency centre immediately, as you are only entitled to assistance if you have contacted them in advance.

Accidents Module

	Short-term travel insurance	Continuous travel insurance
Accidents module coverage	In case of permanent disability, up to €70,000, and in case of death, up to €12,000.	In case of permanent disability, up to €70,000, and in case of death, up to €12,000.
Premium	€3 extra (based on a 14-day vacation)	€0.67 extra per month

When you go on vacation, you often don’t consider the consequences of a potential accident. Such an event can have far-reaching financial implications. With the accidents module, a sum is paid out if you have suffered permanent injury due to an accident, or in the worst-case scenario, pass away.

Winter Sports Module