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🛡️ ING Travel Insurance — Japan Trip Summary
Insurer: Inter Partner Assistance S.A. (AXA Group), Belgium
Policy: ING Travel Insurance — Single Trip (03/2025TE)
Coverage: World (CONFIRMED for Japan!)
📞 Emergency Contacts (SAVE TO PHONE!)
- ING Assist'line: +32 (0)2 725 15 00 (24/7)
- Claims/Changes: ingproduction.bnl@ip-assistance.com
- Phone (changes): 02/552.52.07 (Mon–Fri 9–12, 14–16)
- Online: ING Home'Bank or ING Banking app
✅ What's Covered (World Option)
Medical & Assistance (§2)
- Medical expenses abroad: up to €500,000/person
- Repatriation & transport
- Hospitalization visit by family member (5+ days)
- Return of children under 18
- Post-hospitalization follow-up in Belgium: up to €2,500
- Search & rescue: up to €7,500/person
- Extended stay for medical reasons
- Early emergency return
- Teleconsultation (NL/FR/EN)
Travel Assistance (§4)
- ✓ Emergency Essentials for Delayed/Lost Luggage: Up to €250 per insured for local purchases (Section 4.3)
- Lost/stolen/delayed luggage assistance
- Lost/stolen travel documents
- Advance payment of costs: up to €2,500 (Requires repayment or guarantor)
- Stranding due to force majeure: up to €500/person
- Legal assistance (bail €12,500, lawyer €1,250)
- Veterinary costs for pets
Optional — Cancellation Insurance (§7)
- Covers trip cancellation/interruption
- Up to €10,000/person
- ⚠️ ADD THIS! Protects against non-refundable flights + hotel
Optional — Luggage Insurance (§8)
- Up to €2,000/person
- ⚠️ ADD THIS! Covers shopping items, electronics, etc.
❌ What's NOT Covered
- Pre-existing/chronic conditions (diabetes, blood pressure, etc.)
- Pregnancy after 26th week
- Prosthetics including glasses & contact lenses
- Treatment prescribed/incurred in Belgium
- Intoxication-related incidents
- Dangerous sports/professions
- Suicide, deliberate acts, serious fault
- War, civil war, terrorism, nuclear events
- Motorized competitive sports
⚠️ Critical: Pre-existing Conditions
Your medications (metformin, olmesartan/amlodipine, atozet) are for ongoing chronic conditions. The policy does NOT cover treatment costs abroad for these.
Action: Bring full supply of all medications for the entire trip + 2 extra days.
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