When comparing travel insurance, look beyond the premium and check cover limits for medical treatment, evacuation, luggage, cancellation and travel delays. Read the policy’s exclusions carefully, particularly for pre-existing medical conditions, cruises, adventure activities, alcohol-related incidents and unattended belongings. Compare the excess, destination requirements and whether the policy covers your full trip length and planned activities. The insurer will assess claims under its policy terms, so read the Product Disclosure Statement and contact the provider if you are unsure about cover.