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ING Travel Insurance

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

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Nicola Middlemiss
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Important:

Travel insurance rules continue to change as a result of the coronavirus pandemic. We’re working hard to keep up and make sure our guides are up to date, however some information may not be accurate during the pandemic. It’s even more important to double-check all details that matter to you before taking out cover. Please know that some policies may not be available through Finder at this time. Here are some helpful tips:
    • If you're buying a policy today, it's unlikely that you'll be covered for border closures
    • If your travel plans go against government advice, your policy will most likely be voided and you won't be covered

    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

    warning Finally, some good news! Domestic travel is picking up, so some insurers have started offering cover again 🦘
    Just remember, you won't be covered for any pandemic related claims if you do take out domestic travel insurance.
    International travel insurance is limited and sometimes unavailable at this point.

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    Summary of ING Travel Insurance comprehensive policy

    Overseas medical and hospital expensesUnlimited
    Cancellation and amendment feesUnlimited
    Luggage and personal effects$7,500 (with sub-limits on specific items)
    Maximum age limit100

    Table was last updated: November 2020

    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.

    BenefitComprehensiveAnnual multi-tripEssentialLast minuteDomestic
    Overseas medical and hospital expensesUnlimitedUnlimitedUnlimitedUnlimited
    Cancellation and amendment feesUnlimitedUnlimited$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

    Table was last updated: November 2020

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    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.

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    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:

    ExclusionComment
    Pre-existing medical conditionsYou 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 actsDon't abandon common sense just because you've got insurance and don't expect to be covered if you deliberately damage something.
    Loss of enjoymentDon'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 claimsIf 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 newbornYou won't be covered for any claims associated with pregnancy or postnatal care.
    War, riots, strikes and terrorismUnfortunately, you might not find yourself fully covered for claims related to any of these serious events.
    Countries with a level-four travel warningIf 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 consumptionYou 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)

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