For travel insurance in 2026, compare overseas medical cover, cancellation and amendment limits, baggage protection, rental-car excess cover and exclusions for pre-existing conditions or higher-risk activities. Check whether the policy covers your full trip dates, all destinations and the actual value of prepaid bookings, and read how it treats pandemics, natural disasters and travel disruptions. Government travel advice may also affect cover, so review Smartraveller before buying. The insurer will decide claims under the policy terms, so contact the provider or a licensed insurance professional if you are unsure about your circumstances.