No trip cancellation cover. This benefit is not included with this card. Prepaid flights, hotels, and tours are not reimbursable if you cancel, and a standalone travel insurance policy is required for this coverage.
ING Orange One Low Rate travel insurance: what does the card actually cover?
ING·$48/year·Visa
0,0/5Independent review · verified October 2026
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Our Verdict · Travel Insurance
Our take on travel insurance for the ING Orange One Low Rate
Expert review · Pauline LauroreAuthor of HelloSafe's card insurance reviews
No travel insurance. None at all. The Orange One Low Rate is a low rate card, not a travel card, and it carries no complimentary international or domestic cover. Here's where people get caught: ING does offer complimentary international travel insurance, but only on the Platinum tier you are upgraded to at a credit limit of $6,000 or more. Keep your limit below that and you hold the plain Low Rate, which insures nothing when you travel. Most cardholders assume any ING Orange One comes with the Allianz cover. It doesn't. A serious hospital admission overseas can run $50,000 to $200,000, and Medicare pays none of it outside Australia. If you travel even once a year, a standalone travel insurance policy is not a nice-to-have here, it is the entire cover.
What works on travel
- No ING international transaction fees: spending overseas or online in a foreign currency carries no ING surcharge
- Visa acceptance and payWave work the same abroad as they do at home
Where travel breaks down
- No complimentary travel insurance: no overseas medical, cancellation, delay or baggage cover of any kind
- No emergency evacuation: an air ambulance from Southeast Asia to Australia, $60,000 to $100,000, is entirely on you
- Cover lives on the Platinum tier only: you need a $6,000 credit limit to be upgraded to the Low Rate Platinum, which holds the Allianz policy
Our methodology
Every score is derived from official bank documents: terms and conditions, benefit guides, and claim procedures. No commercial relationship influences our ratings.
Travel Insurance · 20 guarantees
What does ING Orange One Low Rate Travel Insurance actually cover?
No overseas emergency medical cover. This benefit is not included with this card. All medical costs overseas are the cardholder's responsibility, Medicare does not cover you outside Australia, and a serious hospital admission overseas can run $50,000 to $200,000.
No emergency evacuation cover. This benefit is not included with this card. Emergency evacuation costs are entirely the cardholder's responsibility, and an air ambulance from Southeast Asia to Australia runs $60,000 to $100,000.
No emergency dental cover. This benefit is not included with this card. Emergency dental treatment overseas is out of pocket.
No hospital cash allowance. This benefit is not included with this card. A daily cash payment for time spent in hospital overseas is not provided.
No additional expenses cover. This benefit is not included with this card. Costs from a trip cut short, return flights and unused hotels, are out of pocket.
No travel delay cover. This benefit is not included with this card. Meals, accommodation, and transport during a delay are the cardholder's responsibility.
No alternative transport cover. This benefit is not included with this card. The cost of rebooking transport to reach a destination after a missed connection is out of pocket.
No early return cover. This benefit is not included with this card. The cost to fly home after a family emergency, and to resume the trip, is out of pocket.
No baggage delay cover. This benefit is not included with this card. Purchases of essential items during a bag delay are out of pocket.
No luggage cover. This benefit is not included with this card. Replacement costs for lost or stolen bags are the cardholder's responsibility.
No travel documents cover. This benefit is not included with this card. The cost to reissue a lost passport or replace stolen travellers cheques is out of pocket.
No personal liability cover. This benefit is not included with this card. Legal liability for injury to others or property damage overseas is uninsured, and claims commonly reach hundreds of thousands of dollars.
No accidental death cover. This benefit is not included with this card. No lump sum is payable to the cardholder or their family for an accidental death while travelling.
No loss of income cover. This benefit is not included with this card. Lost earnings after a travel injury are not reimbursed.
No domestic cancellation cover. This benefit is not included with this card. Cancelled interstate flights and prepaid domestic travel are not reimbursable.
No domestic flight delay cover. This benefit is not included with this card. Meals and accommodation during an interstate flight delay are the cardholder's responsibility.
No domestic additional expenses cover. This benefit is not included with this card. Extra costs from a disrupted interstate trip are out of pocket.
No domestic luggage cover. This benefit is not included with this card. Replacement of luggage lost on a domestic trip is the cardholder's responsibility.
No domestic luggage delay cover. This benefit is not included with this card. Essential purchases during a domestic bag delay are out of pocket.
We source benefits from official card guides, but PDFs are sometimes hard to obtain or update. Spotted something off?
Coverage Radar
Where the ING Orange One Low Rate wins, where it loses
Coverage snapshot for this tab — click any layer to highlight its scores.
Trip cancellation: not covered by this card
Medical fees abroad: not covered by this card
Medical repatriation: not covered by this card
Compare
Orange One Low RateThis card0.0/5?
$48/yrWith travel insuranceIdeal
Complete coverage · 5.0 / 5Premium card avg.
$235 avg. annual feeClick a layer to highlight its scores on the radar.
Side-by-side comparison
How the ING Orange One Low Rate stacks up against the alternatives
Same 5 coverage dimensions, ranked head-to-head against the cards most Orange One Low Rate shoppers also consider.
| Card | This card Orange One Low Rate ING · $48/yr 0.0/5? | Vertigo Platinum St.George · $99/yr 4.3/5? | Amplify Signature Bank of Melbourne · $295/yr 4.3/5? | |
|---|---|---|---|---|
Trip cancellation Per person, per trip cap | Not covered Cover this gap → | Unlimited Unlimited (all prepaid) | Unlimited Unlimited | |
Emergency medical Hospital bills abroad | Not covered Cover this gap → | Unlimited Unlimited | Unlimited Unlimited | |
Emergency evacuation Air ambulance + repatriation | Not covered Cover this gap → | Unlimited Unlimited evacuation | Unlimited Unlimited evacuation | |
Trip delay trigger Hours before benefits kick in | Not covered Cover this gap → | 6h / $1,100 Trigger: 6 hours | 6h / $1,100 Trigger: 6 hours | |
Trip interruption Covered amount | Not covered Cover this gap → | Unlimited Extra travel & accommodation | Unlimited Extra travel & accommodation |
StrongLimited / misleadingNot covered
Data verified against each card's Guide to Benefits, May 2026.
Cardholder reviews
What cardholders say about the ING Orange One Low Rate
Real experiences on fees, rates and everyday use 44 reviews
E(
estepancic5 (ProductReview)
Easy to use overseas
Ive been used Ing card in Europe in 2018 and few times in Bali now. It's easy to use.
RH
Richard H (ProductReview)
No longer the no fee card I signed up for
I chose ING over the money-grabbing major banks because they offer great products with NO fees and good interest rates.
R(
ReubenF (ProductReview)
Pre-approved, then declined within the hour
within 60 minutes of the application been submitted I was declined.
Emergency · Card assistance line
How to contact ING Orange One Low Rate assistance?
ING card servicing (within Australia)
133 464
24/7 for lost, stolen or unauthorised transactions
ING card servicing (from overseas)
+61 2 7242 1974
Call charges may apply · 24/7 for lost, stolen or unauthorised transactions
Benefit administrator: None. The Orange One Low Rate has no complimentary insurance, so there is no insurer or benefit administrator attached to the card.
Claims & pre-authorizations
There is no complimentary insurance to claim on
1
Step 1: Check which card you actually hold
The complimentary international travel insurance sits on the Orange One Low Rate Platinum, issued at a credit limit of $6,000 or more. If you hold the plain Orange One Low Rate, there is no policy and nothing to claim.
2
Step 2: For a lost or stolen card, call ING
Call 133 464 within Australia, or +61 2 7242 1974 from overseas, 24/7, to stop the card and arrange a replacement. This is card servicing, not an insurance claim.
3
Step 3: For travel, rental or purchase cover, arrange your own
Because the card carries no complimentary cover, buy a standalone travel insurance or rental excess policy before you travel, and keep receipts and reports for any claim you make with that separate insurer.
FAQ
What people ask about the ING Orange One Low Rate
- You cannot, because the Orange One Low Rate has no complimentary travel insurance to activate. ING does provide complimentary international travel insurance, but only on the Platinum tier, which you are upgraded to when approved for a credit limit of $6,000 or more (the Orange One Low Rate Platinum). If you hold the plain Low Rate, there is no spend threshold, no return-ticket rule and no cover to switch on. To be insured when you travel, arrange a standalone travel insurance policy before you leave.
- No. The complimentary international travel insurance underwritten by Allianz sits on the Orange One Low Rate Platinum, not the base Orange One Low Rate. The difference is your credit limit: ING issues the Platinum version automatically at a limit of $6,000 or more. Below that, you hold the plain Low Rate, which carries no travel, rental or purchase cover at all. Same card design and the same $48 annual fee, but only the Platinum tier is insured.
- No one. With no complimentary insurance policy on this card, there is no cover for the primary cardholder, any additional cardholder, a partner or dependent children. This applies to travel, rental vehicle excess and purchases alike. If you need any of those people covered when you travel, a separate travel insurance policy that names them is the only way to do it on this card.
- No. The card does not reimburse the excess you owe after a hire-car is damaged or stolen, either overseas or on an Australian hire. The excess is the amount the hire company charges you towards the damage, commonly $2,000 to $5,500 here. With no card benefit, that cost sits entirely with you unless you take the hire company's own excess reduction cover or buy a standalone rental excess policy, which can start from a few dollars a day.
- There is nothing to claim, because the card has no complimentary insurance and no benefit administrator. For a lost or stolen card, call ING on 133 464 within Australia or +61 2 7242 1974 from overseas, 24/7, but that is card servicing, not an insurance claim. Any travel, medical or rental claim would go through a separate insurer you arranged yourself. Keep that policy's details and receipts, and lodge with that insurer, not with ING.
- Yes. Since this card includes no complimentary travel cover, a standalone travel insurance policy is the whole of your protection overseas, not a top-up. Medicare does not cover you outside Australia, and a serious hospital admission abroad can run $50,000 to $200,000. Buy a policy that matches your trip length and destination before you leave. If you later move to a $6,000 credit limit and are upgraded to the Low Rate Platinum, you would then hold ING's complimentary international cover instead.
- No. The Orange One Low Rate has no mobile phone or screen cover, so a cracked or stolen phone is your cost. A flagship screen repair typically runs $200 to $600, and a full replacement much more. If phone cover matters, look at a dedicated device insurance policy or your home contents insurance, since this card adds nothing on that front.
- In insurance terms, everything. There is no overseas or domestic travel cover, no trip cancellation, no emergency medical or evacuation, no baggage cover, no rental vehicle excess, and no purchase protection or extended warranty. The card is a low rate everyday Visa with no complimentary insurance of any kind. Its genuine travel perk is the absence of ING international transaction fees, which lowers the cost of spending abroad but insures nothing.
- No. The card has no travel insurance at all, so there is no cover for skiing, snowboarding or any snow-sport injury, on-piste or off-piste. A medical evacuation off a mountain overseas can cost tens of thousands of dollars, all of which would be yours. If you are heading to the snow, take a dedicated travel insurance policy with snow-sports cover included, as this card offers nothing towards it.
Not just ING
Other cards worth considering
Orange One Low Rate is a strong choice — but depending on what you prioritize, one of these may suit you better.
Vertigo Platinum
St.George
Amplify Signature
Bank of Melbourne
Low Fee Platinum
Westpac
Altitude Qantas Black
Westpac
