{"type":"document","data":{"contentType":"onecms:productPage","flexPageMetadata":{"afmBanner":false,"description":"This summary helps you determine which travel protection best suits your situation. Both solutions offer protection while traveling but are designed for different needs.","robotInstruction":{"noFollow":false,"noIndex":false}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"In brief"},{"componentType":"paragraph","richBody":{"value":"<p><span><span><span><span lang=\"en-NL\" dir=\"ltr\"><span><strong>ING Max Travel Protection</strong> is included with the ING Max package. It offers protection for many common holiday situations, such as medical emergencies, cancellation, luggage, winter sports and rental car excess. This makes it a convenient option for many holidaymakers.</span></span></span></span></span></p><p><span lang=\"en-NL\" dir=\"ltr\"><span><strong>ING Annual Travel Insurance</strong> may be a better choice if you want more flexibility or additional cover. For example, if you travel for longer periods, want higher luggage cover, take part in special sports activities, or would like roadside assistance. Depending on your situation, both solutions can also complement each other.</span></span></p>"}},{"comparisonCardList":[{"image":{"extension":"jpg","original":"https://assets.ing.com/asset/601363e1-86ac-4a1d-8dc0-595e7e6aecb1/ING_Subscriptions_Beeld02_Enticement_Max.jpg","publishedAt":"2026-05-21T10:49:51Z","transformBaseUrl":"https://assets.ing.com/transform/601363e1-86ac-4a1d-8dc0-595e7e6aecb1/ING_Subscriptions_Beeld02_Enticement_Max","type":"image","updatedAt":"2026-05-21T10:51:15Z","width":1280},"subtitle":"ING Max Travel Protection may suit you if:","title":"When is ING Max Travel Protection a good fit for you?","usps":[{"body":"You prefer travel protection that is included automatically","iconType":"check-mark"},{"body":"You pay for or book your holiday using your Debit/Credit/Wero linked to your Max package","iconType":"check-mark"},{"body":"You mainly take standard holidays","iconType":"check-mark"},{"body":"You usually travel for up to 62 days","iconType":"check-mark"},{"body":"Your family travels with you","iconType":"check-mark"},{"body":"The luggage cover up to € 2,500 is sufficient for your needs","iconType":"check-mark"},{"body":"You want cover for cancellation, winter sports and rental car excess","iconType":"check-mark"}]},{"image":{"extension":"png","original":"https://assets.ing.com/asset/491e661c-5382-474c-815a-e9f5611b8252/Katsjing2025NOV-ING-Insurances-Square.png","publishedAt":"2025-10-27T09:20:35Z","transformBaseUrl":"https://assets.ing.com/transform/491e661c-5382-474c-815a-e9f5611b8252/Katsjing2025NOV-ING-Insurances-Square","type":"image","updatedAt":"2025-10-27T09:22:15Z","width":267},"subtitle":"Annual Travel Insurance may be a better fit if:","title":"When might Annual Travel Insurance be more suitable?","usps":[{"body":"You want to choose the cover that suits your situation","iconType":"check-mark"},{"body":"Family members also travel without you","iconType":"check-mark"},{"body":"You regularly take longer trips","iconType":"check-mark"},{"body":"You need more extensive luggage cover and want cover for damage to holiday accommodation","iconType":"check-mark"},{"body":"You participate in sports that require additional cover","iconType":"check-mark"},{"body":"You would like roadside assistance","iconType":"check-mark"},{"body":"You want optional accident cover","iconType":"check-mark"}]}],"componentType":"comparisonCards","title":"When is ING Max Travel Protection a good fit for you?,When might Annual Travel Insurance be more suitable?"},{"componentType":"sectionTitle","title":"Which option suits you?"},{"comparisonCards":[{"cta":{"componentType":"comparedCardCta","textLink":{"text":"Change your package","url":"https://mijn.ing.nl/banking/mobile/current-account/change-package?EW=true"}},"secondaryCta":{"textLink":{"text":"Read more","url":"/en/personal/plans/ing-max"}},"subtitle":"Travel protection included with your ING Max package","title":"ING Max Travel Protection"},{"cta":{"componentType":"comparedCardCta","textLink":{"text":"Calculate your premium","url":"https://mijn.ing.nl/banking/mobile/insurances/application/travelannual?flow-step=00-StartCalculating&EW=true"}},"secondaryCta":{"textLink":{"text":"Read more","url":"/en/personal/insurances/annual-travel-insurance"}},"subtitle":"Travel insurance that you can tailor to your needs","title":"Annual Travel Insurance"}],"componentType":"comparisonCardsWrapper","specsWrapper":[{"specs":[{"booleanValue":"none","stringValue":"Included as standard in the ING Max package."},{"booleanValue":"none","stringValue":"You put together your own insurance policy."}],"title":"Flexibility"},{"specs":[{"booleanValue":"none","stringValue":"The trip must be paid for or booked using your Debit/Credit/Wero linked to your Max package."},{"booleanValue":"none","stringValue":"Every holiday trip and/or weekend getaway involving at least one paid overnight stay."}],"title":"Type of trip"},{"specs":[{"booleanValue":"none","stringValue":"Accompanying family members are only covered when traveling together with the account holder."},{"booleanValue":"none","stringValue":"You can take out the insurance for yourself, your partner, and your children. Your policy document shows for whom you have taken out the insurance."}],"title":"Travel companions"},{"specs":[{"booleanValue":"none","stringValue":"Maximum of 62 days per trip."},{"booleanValue":"none","stringValue":"Choice of up to 90 or 180 days per trip."}],"title":"Trip duration"},{"specs":[{"booleanValue":"none","stringValue":"Maximum of €100,000 per person per trip."},{"booleanValue":"none","stringValue":"Unlimited, insofar as they are not covered by your health insurance."}],"title":"Medical expenses"},{"specs":[{"booleanValue":"none","stringValue":"Pre-existing medical conditions and non-urgent care are excluded."},{"booleanValue":"none","stringValue":"All necessary medical expenses incurred."}],"title":"Type of medical expenses"},{"specs":[{"booleanValue":"none","stringValue":"Maximum reimbursement of €2,500 per trip."},{"booleanValue":"none","stringValue":"Choice of €1,500, €2,500, or €5,000 per person per trip."}],"title":"Luggage"},{"specs":[{"booleanValue":"none","stringValue":"None."},{"booleanValue":"none","stringValue":"Choice of €0, €50, or €100 per person per trip, which changes the price."}],"title":"Luggage excess"},{"specs":[{"booleanValue":"none","stringValue":"None."},{"booleanValue":"none","stringValue":"The selected amount for the \"Luggage\" module."}],"title":"Damage to holiday accommodation"},{"specs":[{"booleanValue":"none","stringValue":"No coverage for many niche or extreme sports."},{"booleanValue":"none","stringValue":"Option to take out additional coverage for this."}],"title":"Unique sports"},{"specs":[{"booleanValue":"none","stringValue":"No separate roadside assistance coverage."},{"booleanValue":"none","stringValue":"European roadside assistance is available as an optional add-on."}],"title":"Roadside assistance"},{"specs":[{"booleanValue":"none","stringValue":"Covers the rental car excess up to €3,000 per trip."},{"booleanValue":"none","stringValue":"No comparable coverage."}],"title":"Rental car"}],"title":"ING Max Travel Protection,Annual Travel Insurance"},{"componentType":"sectionTitle","title":"Frequently Asked Questions"},{"accordionList":[{"richBody":{"value":"<p><span><span><span><span lang=\"en-NL\" dir=\"ltr\"><span>That depends on your personal situation.</span></span></span></span></span></p><p><span lang=\"en-NL\" dir=\"ltr\"><span>ING Max Travel Protection covers many common travel risks. However, it may not cover every situation that is covered by a separate travel insurance policy. Before cancelling an existing policy, consider factors such as the duration of your trips, who travels with you, the value of your luggage and the type of activities you do during your holiday.</span></span></p><p>The comparison overview above will help you make the right choices.</p>"},"title":"Do I still need separate travel insurance if I have ING Max?"},{"richBody":{"value":"<p><span><span><span><span lang=\"en-NL\" dir=\"ltr\"><span>A separate annual travel insurance policy may be worth considering if:</span></span></span></span></span></p><ul><li><span><span><span><span><span lang=\"en-NL\" dir=\"ltr\"><span>Family members travel independently</span></span></span></span></span></span></li><li><span><span><span><span><span lang=\"en-NL\" dir=\"ltr\"><span>You travel for longer than 62 days</span></span></span></span></span></span></li><li><span><span><span><span><span lang=\"en-NL\" dir=\"ltr\"><span>You need higher luggage cover and y</span></span></span></span></span></span><span lang=\"en-NL\" dir=\"ltr\"><span>ou want cover for damage to holiday accommodation</span></span></li><li><span><span><span><span><span lang=\"en-NL\" dir=\"ltr\"><span>You want roadside assistance</span></span></span></span></span></span></li><li><span><span><span><span><span lang=\"en-NL\" dir=\"ltr\"><span>You take part in special or extreme sports</span></span></span></span></span></span></li><li><span><span><span><span><span lang=\"en-NL\" dir=\"ltr\"><span>You want accident cover</span></span></span></span></span></span></li></ul>"},"title":"When does Annual Travel Insurance offer additional value?"},{"richBody":{"value":"<p><span lang=\"en-NL\" dir=\"ltr\"><span>Yes. ING Max Travel Protection applies to holidays that are paid for or booked with your Debit/Credit/Wero linked to your Max package.</span></span></p>"},"title":"Do I need to pay for my trip with my ING Max package?"},{"richBody":{"value":"<p><span lang=\"en-NL\" dir=\"ltr\"><span>Family members are covered when they travel together with the account holder. Coverage is not the same as a separate family travel insurance policy.</span></span></p>"},"title":"Are my partner and children covered automatically?"},{"richBody":{"value":"<p><span lang=\"en-NL\" dir=\"ltr\"><span>The two products offer different types of cover. <strong>ING Max Travel Protection</strong> is included with your ING Max package, while <strong>Annual Travel Insurance</strong> can be tailored to your personal needs. If you have both, each product remains available under your ING products and has its own claims process.</span></span></p><p><span lang=\"en-NL\" dir=\"ltr\"><span><strong>Be aware</strong>: Your standalone insurance is always treated as the primary insurance, meaning you file a claim for it before using your package protection.</span></span></p>"},"title":"What happens if I have both products?"}],"componentType":"accordion"},{"componentType":"sectionTitle","title":"Blogs"},{"cards":[{"cardSize":"medium","cardType":"product","componentType":"productCard","image":{"extension":"jpg","original":"https://assets.ing.com/m/222b2c2663636988/original/Woman-using-pump-to-inflate-stand-up-paddleboard.jpg","publishedAt":"2013-03-26T17:59:48Z","transformBaseUrl":"https://assets.ing.com/transform/2c9f33b8-4728-40dd-9221-edd3940cd812/Woman-using-pump-to-inflate-stand-up-paddleboard","type":"image","updatedAt":"2025-03-10T17:03:29Z","width":5314},"intro":"Let the fun begin with our holiday blogs. You’ll find handy tips here, ensuring you’re well-prepared for your trip.","link":{"url":"/en/personal/insurances/travel-insurance/travel-blog"},"title":"Plenty of travel tips and inspiration"}],"componentType":"cards"},{"componentType":"linkList","iconTitle":{"title":"Relevant links"},"textLinks":[{"text":"Make insurance claim","url":"/en/personal/insurances/file-damage-claim"},{"text":"Become an ING customer","url":"/en/personal/payments/bank-accounts/become-a-customer"},{"text":"Free help switching banks","url":"/en/personal/insurances/switching-your-insurance-to-ing"},{"text":"Make changes to your insurance","url":"/en/personal/insurances/amend-insurance-policy"},{"text":"Cancel your ING insurance","url":"/en/personal/insurances/cancellation"}]},{"componentStyle":"default","componentType":"linkList","iconTitle":{"title":"More about travel insurance"},"textLinks":[{"text":"Travel insurance for students","url":"/en/personal/insurances/travel-insurance/my-child-is-going-abroad"},{"text":"Travel insurance: death of a family member","url":"/en/personal/insurances/travel-insurance/death"},{"text":"Is travel insurance necessary?","url":"/en/personal/insurances/travel-insurance/is-travel-insurance-mandatory"},{"text":"Why travel insurance?","url":"/en/personal/insurances/travel-insurance/why-a-travel-insurance"},{"text":"Travel insurance with worldwide coverage","url":"/en/personal/insurances/travel-insurance/worldwide-coverage"},{"text":"Pregnancy cancellation insurance","url":"/en/personal/insurances/travel-insurance/pregnant"}]},{"componentType":"linkList","iconTitle":{"title":"Documents & information"},"textLinks":[{"text":"Annual Travel Insurance Terms & Conditions (PDF)","url":"https://assets.ing.com/m/2df6321abf20e7a4/original/Voorwaarden-ING-Doorlopende-Reisverzekering-Versie-UIDR-01.pdf"},{"text":"Short-term Travel Insurance Terms & Conditions (PDF)","url":"https://assets.ing.com/m/7591eab68e2a69c2/original/Voorwaarden-ING-Kortlopende-Reisverzekering-Versie-UIKR-01.pdf"},{"text":"Cancellation Insurance Terms & Conditions (PDF)","url":"https://assets.ing.com/m/4da275139d595a01/original/Polisvoorwaarden-annuleringsverzekering.pdf"},{"text":"Annual Travel Insurance Information Document","url":"https://verzekeringskaarten.nl/ing/Doorlopende-ING-Reisverzekering"},{"text":"Short-term Travel Insurance Information Document","url":"https://verzekeringskaarten.nl/ing/Kortlopende-ING-Reisverzekering"},{"text":"Annual Cancellation Insurance Information Document","url":"https://verzekeringskaarten.nl/ing/Doorlopende-ING-Annuleringsverzekering"},{"text":"ING depreciation list 20230401","url":"https://assets.ing.com/m/71677dcad348e0a6/original/Afschrijvingslijst-ING-20230401.pdf"},{"text":"Nationale-Nederlanden and ING service guide","url":"https://assets.ing.com/m/87573396e3d495aa/original/Samenwerking-Nationale-Nederlanden-English.pdf"}]}]},"hasMacro":false,"id":"dd425158-9b28-49d5-a70b-f3e8809a5b69","localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Insurance","url":"/en/personal/insurances"}},"componentType":"productHeader","coreHeader":{"body":"Both ING Max Travel Protection and ING Annual Travel Insurance help protect you when you travel. Which option suits you best depends on how often you travel and what kind of cover you need.","headerImage":{"extension":"jpg","original":"https://assets.ing.com/asset/c840c33f-1918-4770-a455-33e234cf77e8/portrait-of-smiling-young-man-standing-by-boat-in-sea.jpg","publishedAt":"2024-09-09T12:52:41Z","transformBaseUrl":"https://assets.ing.com/transform/c840c33f-1918-4770-a455-33e234cf77e8/portrait-of-smiling-young-man-standing-by-boat-in-sea","type":"image","updatedAt":"2024-09-09T12:53:55Z","width":4067},"subtitle":"We have created a clear comparison for you on this page","title":"ING Max Travel Protection or Annual Travel Insurance?"}},"publishDate":"2026-09-11T15:18:06.259+02:00"}}