Yes, travel insurance is still worth carrying for a trip through Almelo, a city in the Twente region of the eastern Netherlands, even though it ranks among the lower-risk stops in this guide. The honest case for coverage here is less about danger and more about the gaps that even excellent Dutch care can leave for a visitor whose own health plan does not actually extend this far from home.
The Netherlands has well-developed hospital care by any European standard, and Almelo itself is served by regional facilities typical of a mid-sized Dutch city. What a policy actually needs to resolve is your own coverage question: check whether your existing health cover, national scheme, or an EHIC/GHIC-style card extends abroad and specifically to the Netherlands before you assume it does, since the rules differ sharply by country of residence.
Almelo sits within the wider Twente region, home to the University of Twente in nearby Enschede, and many visitors pass through for business, academic conferences, or connections onward across the Dutch rail network. None of this changes the risk profile much, but it does mean baseline trip-delay cover is worth having given how tightly Dutch rail connections are typically scheduled.
Autumn and winter storms rolling in off the North Sea occasionally disrupt the Dutch rail network with wind-related speed restrictions or outright cancellations, which matters if your Almelo trip depends on a tight connection elsewhere in the country. Trip-delay cover is worth checking for travel through this window, even on a short domestic rail journey.
Keep any clinic invoices and receipts if you do need treatment, since Dutch providers, like most in the EU, issue standard documentation on request. Many policies also want notice before non-emergency treatment is booked, so check the claims process in your policy wording rather than assuming automatic reimbursement once you are home.