When comparing travel insurance, look beyond the premium and check overseas medical cover, cancellation and amendment limits, luggage cover, rental vehicle excess and emergency assistance. Read the exclusions carefully, including rules for pre-existing medical conditions, adventurous activities, alcohol-related incidents and destinations subject to government warnings. Make sure the policy limits suit your trip costs and personal circumstances, and check whether you need to disclose medical conditions before buying. The insurer ultimately decides cover and claims under its policy wording, so compare the Product Disclosure Statements or speak with the provider if you are unsure.