For travel insurance in 2026, compare cover for overseas medical expenses, cancellation, luggage, delays and activities such as skiing or cruising. Check the policy’s limits, exclusions and rules for pre-existing medical conditions, and read the Product Disclosure Statement before buying. Make sure your destination, trip costs and travel dates are declared accurately, as these can affect cover and claims. It is also wise to check Smartraveller advice and confirm details with the insurer, because available cover and conditions depend on the policy and your circumstances.