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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.
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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|
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.
|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|
|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|
|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
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:
|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)
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