ING Travel Insurance

Review ING Travel Insurance to find out how a policy could protect you.

Last updated: 31 March 2020

ING is an international finance giant which offers five types of travel insurance – comprehensive, essential, last minute, domestic and annual multi-trip – so you've got 5 options to choose from.

ING Travel Insurance is not currently available via Finder. You can visit ING's website at www.ing.com.au for more information or compare alternative options available below.

Compare your travel insurance quotes

A travel ban is in place for all Australians effective 25 March 2020. Most travel insurance brands will not cover you if you travel against a government warning. If you already have a policy, please contact your insurer directly for more information.
We are currently updating our site to reflect the Australian government’s advice. Some travel insurance policies will be temporarily unavailable.

Made a search before? Retrieve your search results

Single Trip
Annual Multi-Trip

Where are you travelling to?

At least one destination is required

When are you travelling?

Both dates are required

Who is travelling?

Add more travellers

Enter the age of each traveller between 0 and 99

Email a copy of your quote

Enter a valid email address Sign up to our travel newsletter

Where are you travelling to?

At least one destination is required

Departure date of first trip

Starting date is required

Who is travelling?

Add more travellers

Enter the age of each traveller between 0 and 99

Email a copy of your quote

Enter a valid email address Sign up to our travel newsletter

Type or Select your destination(s)

Popular Destinations

Americas

Asia

Europe

Pacific

Africa

Can't find your destination? Just type it in the box above.

We compare products from

By submitting this form, you agree to the finder.com.au Privacy & Cookies Policy and Terms of Use, Disclaimer & Privacy Policy.

Summary of ING Travel Insurance comprehensive policy

Overseas medical and hospital expenses	Unlimited
Cancellation and amendment fees	Unlimited
Luggage and personal effects	$7,500 (with sub-limits on specific items)
Maximum age limit	100

What are my options?

Comprehensive. The gold standard. Unlimited medical and cancellation costs, plus lots of high-value extras.
Essential. Unlimited medical cover and plenty of extras
Last minute. Unlimited medical and some extras. No cover for cancelations.
Domestic. No medical cover but some extras
Annual multi-trip. Comprehensive insurance for multiple trips throughout the year. The maximum duration for any one trip is 30 days.

ING Travel Insurance review of benefits

Review the key features offered by each of ING's travel insurance policies using the table below.

Benefit	Comprehensive	Annual multi-trip	Essential	Last minute	Domestic
Overseas medical and hospital expenses	Unlimited	Unlimited	Unlimited	Unlimited
Cancellation and amendment fees	Unlimited	Unlimited	$12,500		$10,000
Additional expenses	$40,000	$40,000	$12,500	$5,000	$5,000
Travel delay expenses	$100 per 12 hours	$100 per 12 hours	$50 per 12 hours		$50 per 12 hours
Luggage and personal effects	$7,500	$7,500	$5,000	$2,500	$5,000
Single article sub-limit	$750	$750	$500	$500	$500
Sub-limit for laptops, tablets, cameras and mobile phones	$3,000	$3,000	$2,000		$2,000
Sub-limit for other valuables	$750	$750	$500	$500	$500
Delayed luggage allowance	$600	$600	$400		$250
Travel documents, credit cards and traveller's cheques	$5,000	$5,000	$2,500
Personal liability	$5 million	$5 million	$2 million	$1 million	$1.5 million
Rental vehicle insurance excess	$6,000	$6,000	$4,000		$4,000
Loss of income	$10,400	$10,400

Get your quote

Compare and review costs of ING Travel Insurance

The cost of your travel insurance will depend on many different factors, including where you're going and how long for, but the type of policy you choose will also play a big role in the premium you pay.

If you choose more basic travel insurance, like ING's last minute policy, you can expect to pay less for your premium, but you'll also be getting fewer benefits.

Comparison is based on a 30-year old travelling to Bali for 14 days. Quote was made in February 2020.

Are add-ons available with ING Travel Insurance?

While ING's comprehensive travel insurance policy has lots of inclusions, there may still be a few things missing, or that you might want to change. Luckily, ING gives you the option to add some extra features.

Snow sports cover. If you're heading to the slopes, ING's snow sports cover gives you peace of mind that you'll be covered for any snow sport activity that you get up to, whether you lose your lift pass or sprain an ankle.
Change your excess. Under most sections of this policy, you have to pay an excess if you want to claim. You can choose to reduce or waive this altogether and pay a bigger premium instead.
Additional items. If you have an item worth more than $750, you can increase your level of cover for that item by letting ING know. This is only available for comprehensive or annual multi-trip cover.

Are there any exclusions?

All travel insurance policies will have some exclusions, so it's important to read your product disclosure statement (PDS) carefully. A few key exclusions, which apply to all of ING travel insurance policies, are:

Exclusion	Comment
Pre-existing medical conditions	You won't be covered if you have a serious pre-existing medical condition or you travelled against the advice of a doctor. If you do have a pre-existing medical condition, let your insurance company know – it might include it for free or charge a little extra for cover.
Reckless or criminal acts	Don't abandon common sense just because you've got insurance and don't expect to be covered if you deliberately damage something.
Loss of enjoyment	Don't expect money back if you caught a cold and couldn't enjoy the beach, or if it rained for a week and put a dampener on the trip.
Vaccine-related claims	If you were advised to get a vaccine before visiting a country, but chose not to, your insurance policy won't kick in if you end up falling sick due to that specific illness.
Pregnancy, childbirth or caring for a newborn	You won't be covered for any claims associated with pregnancy or postnatal care.
War, riots, strikes and terrorism	Unfortunately, you might not find yourself fully covered for claims related to any of these serious events.
Countries with a level-four travel warning	If the government has issued a do not travel alert, but you choose to go anyway, your insurance will be void. However, if you had insurance before the alert was issued, you'll be able to claim money back if you cancel the trip.
Claims relating to suicide, sef-harm, drug use or alcohol consumption	You won't be able to claim if you or your travelling partner attempt self-harm in any way, or cannot travel due to drug or alcohol consumption.

How can I contact ING Travel Insurance?

To make a claim online: You can lodge a claim online.
Over the phone: Call 1800 456 406 (within Australia) or +61 7 3465 1787 (outside Australia)

Get a quote for travel insurance

FAQs

- Some common pre-existing medical conditions are covered, like asthma, diabetes and epilepsy, providing you haven't been hospitalised for the issue in the last two years. You'll also have to let ING know what condition you have when you first buy your travel insurance.
- No. You'll have to pay a little more for coverage if you're taking dependent kids on your trip. Remember to disclose this when you request a quote.
- ING offers comprehensive travel insurance and annual multi-trip insurance up to the age of 100. However, the age limit for ING's last minute and essential policies is 75.
- The maximum excess you will pay with an ING travel insurance policy is $200 per claim type, per person. Some benefits, like delayed luggage allowance, have no excess. You also have the option to reduce your excess and pay a larger premium, if you prefer.
- Yes. You can extend your policy as long as you get in touch before the end date you originally selected, so there is no break in coverage.
- Yes. If you buy travel insurance with ING, but later decide it's not for you, you have 14 days to change your mind at no cost.

Thank you for your feedback!

Nicola Middlemiss

Nicola Middlemiss is a senior writer at Finder, focussing on all things insurance. She has been a business journalist for the last five years, reporting on various industries including insurance, banking, mortgages and financial services across Europe, North America, Asia and Oceania. She has written over a thousand articles covering the Australian insurance industry. Now, she uses that experience to help customers understand their policies and make smarter financial decisions. Nicola graduated from the University of Leeds, with a bachelor's degree in English and Art History.

The Finder app is here! 🥳 🥳 Download the new Finder app!

Looking for life insurance or income protection?

Looking to compare Health Insurance quotes?

Need cover for your next trip away?

Need cover for your business or profession?

Need protection for your car and damage caused to others?

Find the right home and contents insurance policy to protect your home.

Need cheap protection for your furry friend?

Calculate how much life insurance you will need.

ING Travel Insurance

Review ING Travel Insurance to find out how a policy could protect you.

Types

Brands

Guides