ING Orange One Rewards Platinum travel insurance: what does the complimentary cover include?

Covers the non-refundable portion of prepaid travel and accommodation you cannot recover, up to a total of $10,000, with a $400 excess per claim. The covered-reasons list is broad: illness or injury, a relative's death or serious illness, carrier cancellation from strikes or weather, natural disasters, quarantine and more. Cover only applies once you charge at least $500 of prepaid travel to the card and hold a return overseas ticket. Any claim linked to a pre-existing medical condition is excluded.

Covers overseas emergency medical and hospital costs up to $20,000,000, with a $400 excess per claim. Treatment can continue up to 12 consecutive months from your departure date if you cannot travel home. Emergency dental for sudden toothache carries a separate $1,500 sub-limit. No claim arising from a pre-existing medical condition is payable.

Covers overseas emergency assistance, medical evacuation and repatriation up to $20,000,000, with no excess. The 24-hour Allianz Global Assistance line arranges and approves evacuation. Repatriation of remains and funeral expenses overseas are covered up to $10,000 per person under a separate funeral benefit.

Covers sudden and acute pain (spontaneous toothache) to natural teeth overseas, up to $1,500 per person, with a $400 excess. Routine, preventative and cosmetic dental treatment is not covered.

Pays $75 per person per day if you are hospitalised overseas, up to $7,500 per person and a $10,000 total for all claims combined. No excess applies. It is a cash allowance on top of medical cover, not a reimbursement of treatment costs.

Covers reasonable additional travel and accommodation if illness, injury or a specified disruption stops you continuing your journey, up to a total of $10,000, with a $400 excess. Specified disruptions include strikes, riots, weather, natural disasters and losing your passport. Where practicable you must contact Allianz Global Assistance for approval before incurring the costs.

Pays $250 per person after a delay of at least 6 consecutive hours outside your control, up to a total of $500, with no excess. It covers reasonable additional meals and accommodation during the delay. The cap is modest, so a long delay quickly exceeds what the card pays.

Covers reasonable additional transport costs to reach a special event on time after an unexpected interruption outside your control, up to $2,500 in total, with no excess. It applies to reaching a pre-booked event, not general onward travel.

Reimburses the reasonable additional cost of returning home early if a relative in Australia, aged under 81, dies or is hospitalised with a serious illness or injury during your journey, up to $5,000 per person and $10,000 in total. There is no excess. It covers the early return home only, not the cost of flying back to resume the trip.

Reimburses essential clothing and personal items if the carrier delays your luggage for more than 10 consecutive hours, up to $500 per person and $1,000 in total, with no excess. Keep receipts for the essentials you buy during the delay.

Covers theft, accidental damage or permanent loss of luggage and personal items up to a total of $10,000, with a $400 excess. Per-item sub-limits apply: $2,000 for cameras and equipment, $2,000 in total for laptops, and $750 for each other item. Valuables left in a vehicle or checked into cargo, and sporting equipment while in use, are not covered.

Covers the reissue or replacement cost of lost or stolen passports, travel documents, transaction cards and travellers cheques, plus loss from their fraudulent use, up to $500 per person and $1,000 in total. No excess applies.

Covers your legal liability for negligently causing death, bodily injury or property damage to others overseas, up to $2,250,000 in total, including reasonable legal costs approved in advance. No excess applies. Liability linked to vehicles, aircraft, watercraft or your work is excluded.

Recommended : A$2,500,000

Pays a lump sum of $25,000 per person, up to a $50,000 family total, if an accident during the journey causes death. No excess applies. It is a fixed benefit, separate from medical or evacuation cover.

No loss of income cover. This benefit is not included with this card. Lost earnings after an injury overseas are not replaced, which can run into thousands over weeks off work.

No domestic cancellation cover. This card only insures overseas journeys, not interstate trips within Australia. Prepaid domestic flights and accommodation are not reimbursable if you cancel, a cost that can reach thousands.

No domestic flight delay cover. This card only insures overseas journeys, not interstate trips within Australia. Meals and accommodation during an interstate flight delay are the cardholder's responsibility.

No domestic additional expenses cover. This card only insures overseas journeys, not interstate trips within Australia. Extra travel and accommodation costs on a disrupted interstate trip are out of pocket.

No domestic luggage cover. This card only insures overseas journeys, not interstate trips within Australia. Lost or damaged bags on a domestic flight are not reimbursed, commonly a few hundred to a few thousand dollars.

No domestic luggage delay cover. This card only insures overseas journeys, not interstate trips within Australia. Buying essentials while a bag is delayed on an interstate flight is out of pocket.