Travel insurance can help cover certain unexpected costs on a domestic or overseas trip, such as cancelled travel, lost luggage, medical expenses and delays, depending on the policy. Overseas medical treatment can be particularly expensive, and Medicare generally does not cover you once you leave Australia. Policies differ, so check exclusions, excesses, cover limits and whether existing medical conditions or activities such as skiing are included. The insurer will assess any claim against the policy wording, so compare options carefully and read the Product Disclosure Statement before buying.