Before buying travel insurance, check that the policy covers overseas medical expenses, emergency transport, cancellation, lost luggage and activities you plan to do. Read the product disclosure statement carefully for exclusions, excesses, claim limits and conditions relating to pre-existing medical conditions. Some policies may not cover travel to destinations subject to government warnings or incidents linked to alcohol or illegal activity. Compare policies based on the cover you need, and contact the insurer or a licensed insurance adviser if you are unsure about your circumstances.