Univé travel insurance
Univé is one of the largest insurance companies in the Netherlands. It is an association, which implies that as a customer, you are also a member. Their primary goal is to represent the members’ interests, not directly to make a profit. Univé is the result of mergers between different cooperatives and has existed in its current form since 1991. Univé offers various types of insurance. Regarding travel insurance, you can turn to Univé for both continuous and short-term travel insurance.
Advantages of Univé
- No profit motive, resulting in a low premium
- Quick processing of damage claims
- Additional switching service
Disadvantages of Univé
- In the basic package, the maximum coverage amounts are relatively low and there is a deductible of €50,-
Travel insurance
The premium for the continuous travel insurance is paid monthly. If you only occasionally go on short vacations, you can take out short-term travel insurance for that short period. However, the longer you go on vacation (and the more regularly), the more advantageous continuous travel insurance is.
| Short-term travel insurance |
Continuous travel insurance |
|
|---|---|---|
| Personal Assistance | Assistance through Univé alarm service | Assistance through Univé alarm service |
| Maximum number of days | Duration taken out | Max. 60 days |
| Coverage area | Europe | Europe |
| Luggage | Up to €1000,- (deductible €50,- per trip) |
Up to €1000,- (deductible €50,- per trip) |
| Extras | None | Coverage for stay abroad due to study and/or internship |
| Premium | €15.65 (based on 14 days of vacation) | €1.36 per month |
Overview of additional options
At Univé, you can choose from a fairly extensive range of additional coverages. The additional coverages are explained one by one below.
Cancellation Module
| Short-term travel insurance | Continuous travel insurance | |
|---|---|---|
| Cancellation module coverage | Coverage depending on the insured travel sum, for example €1000,- | You can choose coverage up to a maximum of €1500,- |
| Premium | €64,- extra (based on 14 days of vacation and a travel sum of €1000,-) | €3.13 extra (up to a maximum of €1.500,- p.p.) |
Imagine you are going on a trip and a loved one passes away shortly before you leave. It could also be that you have to interrupt your trip halfway through due to circumstances. With the cancellation module, you will be reimbursed for the unenjoyed travel days up to a certain maximum amount. You can choose for a refund up to a maximum of €1500,- or €3000,-.
Medical Expenses Coverage
| Short-term travel insurance | Continuous travel insurance | |
|---|---|---|
| Medical expenses coverage | -Additional medical costs incurred abroad are fully reimbursed. -Dental costs up to a maximum of €500,- |
-Additional medical costs incurred abroad are fully reimbursed. -Dental costs up to a maximum of €500,-. This additional module is included for free in the comfort package of the continuous travel insurance. |
| Premium | € 4.35 extra (based on one summer month) | €0.76 extra per month |
Abroad, you may unexpectedly incur additional medical costs. The basic insurance only reimburses the amount that the treatment would have cost in the Netherlands. If you do not have supplementary health insurance, this module provides a solution.
Motor Vehicle Roadside Assistance Module
| S.O.S. Car Breakdown Assistance Coverage |
Short-term travel insurance |
Continuous travel insurance |
|---|---|---|
| Replacement transport | Up to €140,- per day for a replacement vehicle, up to a maximum of 30 days. | Up to €140,- per day for a replacement vehicle, up to a maximum of 30 days. |
| Legal assistance | No legal support. | No legal support. |
| Premium | € 18.94 extra (based on a 14-day holiday) | €1.81 extra per month |
Car or motorcycle breakdown? With this roadside assistance module, you are additionally insured for assistance in case of a breakdown or an accident with your car or motorcycle.
Accidents Module
| Short-term travel insurance | Continuous travel insurance | |
|---|---|---|
| Accidents module coverage | In case of permanent disability, up to €75,000, and in case of death, up to €25,000. | In case of permanent disability, up to €75,000, and in case of death, up to €25,000. |
| Premium | €3.15 extra (based on a 14-day holiday) | €0.35 extra per month |
When planning a nice vacation, an accident might not be the first thing you think about. But imagine the far-reaching consequences of an accident that leaves you permanently disabled or, in the worst case, leads to death. With the accident coverage, a sum will be paid out in such a case.
Worldwide Coverage Module
| Short-term travel insurance | Continuous travel insurance | |
|---|---|---|
| Worldwide coverage module | Worldwide coverage | Worldwide coverage |
| Premium | €9.58 extra (based on a 14-day holiday) | €0.14 extra per month |
If you have chosen a short-term travel insurance policy from Univé or the continuous travel insurance policy, the standard coverage is limited to Europe. If you are planning a long trip outside of Europe, the additional worldwide coverage module is the most suitable module for you.
Validity Duration Extension Module
| Continuous travel insurance | |
|---|---|
| Validity duration extension module | With the Budget package, you can travel for 180 consecutive days instead of 60. |
| Premium | €0.25 per month |
If you opt for continuous travel insurance, you can extend the validity duration of the insurance to 180 consecutive days of travel, instead of the maximum of 60 days.
Extra Services from the Insurer
Univé offers several extra services. With the free Univé travel app, you will have access to the most important phone numbers, checklists, and useful tips for your holiday. There’s also a transfer service. Are you already insured with another insurer? In that case Univé will do the transfer work for you and personally ensures that the transfer with your old insurer is arranged.
Univé Discounts
If you have taken out multiple casualty insurances with Univé, the discount can be up to a maximum of 10%.
Contact Information Univé
| Univé Insurances. Reply Number 45, 9400 VB Assen | |
| info@unive.nl | |
| Website | www.unive.nl |
