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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.
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Popular Destinations
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 |
Table was last updated: November 2020
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 |
| $750 | $750 | $500 | $500 | $500 |
| $3,000 | $3,000 | $2,000 | $2,000 | |
| $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
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.
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.
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. |
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