Check that your policy covers every destination, travel date and planned activity, including cruises, skiing or motorbike trips if relevant. Read the Product Disclosure Statement (PDS) for cover limits, excesses, exclusions, cancellation conditions and rules for pre-existing medical conditions. Confirm whether baggage, electronics, rental vehicle excess, emergency medical care and evacuation are included, and keep your insurer’s emergency contact details handy. Save copies of your policy, passport and important prescriptions, and check Smartraveller for destination advice; your insurer can confirm how the policy applies to your circumstances.