Visitor Insurance for Amsterdam Residents Visiting the USA (2026)
Your Dutch zorgverzekering and GHIC don't cover USA medical costs. American hospitals charge at rates that will shock any Dutch visitor.
Amsterdam's Schiphol Airport is one of Europe's top transatlantic hubs with direct service to 12+ US cities. Dutch visitors to the USA are fully uncovered by their national health system the moment they board a flight.
Dutch Zorgverzekering and GHIC Are Invalid in the United States
The Netherlands' mandatory health insurance (zorgverzekering) covers Dutch residents within the Netherlands and, through the EHIC, in EU/EEA countries. The USA is outside this network entirely. Despite the Dutch having one of Europe's highest insurance coverage rates, this coverage ends at the European border. Dutch nationals visiting the USA — including the large Dutch-American communities in Grand Rapids, Michigan and Pella, Iowa — face the full cost of US medical care. An average hospitalization costs $11,700 per night, and many Dutch travelers are unaware their comprehensive Dutch coverage doesn't extend a single mile past Europe.
The Netherlands and the USA have no reciprocal healthcare agreement. Dutch zorgverzekering and GHIC are worthless at American hospitals.
What US Medical Bills Actually Look Like
Emergency Room Visit
$3,100–$8,000
Triage, exam, basic tests
One Night Hospitalization
$11,700–$22,000
Room, nursing, meals only
Cardiac Event Treatment
$75,000–$185,000
Catheterization, ICU, meds
Medical Evacuation Flight
$95,000–$250,000
Air ambulance, medical crew
Best Visitor Insurance Plans for Amsterdam Residents
All three plans below are accepted at any US hospital and purchased 100% online. Coverage certificate arrives by email in minutes.
IMG Patriot America Plus
Largest US carrier network · UHC PPO
- ✓ Up to $1,000,000 coverage
- ✓ $0–$2,500 deductible options
- ✓ Acute onset pre-existing: $25K
- ✓ Emergency evacuation: $500K
- ✓ Available ages 14 days–99 yrs
- ✓ Multilingual 24/7 support
Best for: First-time visitors, families, tourists
WorldTrips Atlas America
Maximum coverage · Top evacuation benefit
- ✓ Up to $2,000,000 coverage
- ✓ $0–$5,000 deductible options
- ✓ Acute onset pre-existing: $50K
- ✓ Emergency evacuation: $1,000,000
- ✓ Available ages 14 days–99 yrs
- ✓ Flexible coverage periods
Best for: Seniors 65+, long stays, max protection
Trawick Safe Travels USA
Budget-friendly comprehensive · Telehealth included
- ✓ Up to $1,000,000 coverage
- ✓ $0–$5,000 deductible options
- ✓ Acute onset pre-existing: $20K
- ✓ Emergency evacuation: $500K
- ✓ Available ages 14 days–89 yrs
- ✓ Free telehealth included
Best for: Budget-conscious, short stays, under 70
No obligation · Certificate in minutes · Licensed TX #2608479TX
How Much Does Visitor Insurance Cost?
Estimates for $100,000 coverage with a $250 deductible. Actual quotes vary by plan, exact age, and dates.
| Age Group | 30 Days | 60 Days | 90 Days |
|---|---|---|---|
| 25–34 | $28–$42 | $55–$83 | $82–$124 |
| 35–44 | $33–$52 | $65–$103 | $98–$155 |
| 45–54 | $45–$72 | $89–$143 | $133–$215 |
| 55–64 | $72–$118 | $143–$235 | $215–$352 |
| 65–69 | $115–$188 | $229–$375 | $343–$562 |
| 70–74 | $165–$265 | $329–$529 | $493–$793 |
| 75–79 | $215–$355 | $429–$709 | $643–$1,063 |
* Get an exact quote at towerhilltravelinsurance.com/quote
What Visitor Insurance Covers
Frequently Asked Questions
Does Netherlands's health insurance cover medical care in the USA for Amsterdam residents?+
What visitor insurance do you recommend for people traveling from Amsterdam to the USA?+
Do residents of Amsterdam need a visa to visit the USA?+
Can I buy visitor insurance after arriving in the USA from Amsterdam?+
How do I use visitor insurance if I need care in the USA?+
Full country guide
🇳🇱 Visitor Insurance for Dutch visitors visiting the USA
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