It can happen that you suffer a serious injury or become ill - either during your holiday or even before departure. If a medical necessity arises due to illness or injury that forces you to cancel or cut short your trip, the cancellation costs are covered by your ING Cancellation Insurance, provided you have selected the Cancellation module.
"},"title":"Cancelling or cutting short your trip due to illness"},{"componentType":"paragraph","richBody":{"value":"In the event of an accident involving a close relative, ING Cancellation Insurance reimburses the costs of cancellation or early termination of the trip up to the maximum insured amount you selected. This applies to acute illness, accident, or injury involving life-threatening conditions.
Certain costs are also covered under a Annual Travel Insurance. For details, please refer to the coverage overview of the ING Travel Insurance.
"},"title":"What does my cancellation insurance cover in case of illness of a family member or partner?"},{"componentType":"paragraph","richBody":{"value":"A medical advisor from the Emergency Centre or the medical advisor of Nationale-Nederlanden Schadeverzekering Maatschappij N.V. determines whether there is a medical necessity based on medical standards applicable in the Netherlands.
"},"title":"Medical necessity"},{"componentType":"paragraph","richBody":{"value":"If you fall ill while travelling, visits to a doctor, pharmacy, or hospital may incur additional medical costs. These costs should first be claimed through your health insurance (even if you have a deductible). Once settled with your health insurer, you can submit the remaining medical expenses to your travel insurance. ING Travel Insurance covers medical expenses abroad up to a certain amount. You can find more details in the policy terms and conditions.
"},"textLinks":[{"text":"About travel insurance for medical expenses abroad","url":"/en/personal/insurances/travel-insurance/medical-expenses"}],"title":"Medical expenses during travel (if you have included the Medical Expenses and Accidents module)"},{"componentType":"linkList","iconTitle":{"title":"More about"},"textLinks":[{"text":"Annual Travel Insurance","url":"/en/personal/insurances/annual-travel-insurance"},{"text":"Short Travel Insurance","url":"/en/personal/insurances/short-travel-insurance"},{"text":"Expand travel insurance","url":"/en/personal/insurances/annual-travel-insurance/extend-continuous-travel-insurance"}]},{"componentType":"linkList","iconTitle":{"title":"Travel blogs"},"textLinks":[{"text":"Read travel news and blogs (In Dutch)","url":"/particulier/verzekeren/reisverzekering/reisblogs"}]},{"componentType":"linkList","iconTitle":{"title":"Insurance"},"textLinks":[{"text":"Travel insurance","url":"/en/personal/insurances/annual-travel-insurance"},{"text":"Car insurance","url":"/en/personal/insurances/car-insurance"},{"text":"Home insurance","url":"/en/personal/insurances/home-insurance"},{"text":"Liability insurance","url":"/en/personal/insurances/liability-insurance"},{"text":"Legal expenses insurance","url":"/en/personal/insurances/legal-expenses-insurance"},{"text":"Student insurance","url":"/en/personal/insurances/student-insurance"},{"text":"Health insurance","url":"/en/personal/insurances/czdirect-health-insurance"},{"text":"All insurance","url":"/en/personal/insurances"}]}]},"hasMacro":false,"id":"fa8c8f85-4a21-41cc-800f-358c415b177b","localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Insurance","url":"/en/personal/insurances"}},"componentType":"productHeader","coreHeader":{"body":"Getting sick while on holiday - nobody wants it, but it happens more often than you think. Or you might fall ill before your trip and want to cancel. It’s also possible that you no longer wish to travel because someone close to you becomes ill. These are all situations where a cancellation insurance can help and cover part of the costs you’ve already incurred.","headerImage":{"altTextDE":"\"\"","altTextEN":"\"\"","altTextFR":"\"\"","altTextNL":"\"\"","extension":"jpg","original":"https://assets.ing.com/m/20ee155f9e5bec9c/original/Person-checking-the-thermometer-to-monitor-fever.jpg","transformBaseUrl":"https://assets.ing.com/transform/0c687d0b-17d2-44d1-958b-aa9cc63ab303/Person-checking-the-thermometer-to-monitor-fever","type":"image","width":5832},"title":"Cancelling your holiday due to illness"}},"publishDate":"2026-05-11T11:40:06.864+02:00"}}