When comparing travel insurance in 2026, check cover for overseas medical expenses, cancellation, delays, baggage, rental-car excess and emergency assistance. Read the policy’s Product Disclosure Statement (PDS) for exclusions, limits, excesses and rules for pre-existing medical conditions, pregnancy, adventure activities and travel to areas subject to government warnings. Make sure the policy covers the full trip cost and all destinations, including stopovers, and consider buying cover soon after booking to access any cancellation benefits that may apply. The insurer will decide claims according to the policy terms and your circumstances, so contact the provider or a licensed adviser if you are unsure.