Travel insurance can help cover unexpected costs such as overseas medical treatment, trip cancellation or interruption, lost luggage, theft and travel delays, depending on the policy. Cover varies between insurers, so check the policy wording and Product Disclosure Statement (PDS) for limits, exclusions, excesses and whether activities such as skiing are included. You should also disclose relevant pre-existing medical conditions, as the insurer may assess or exclude them. Compare policies for your destination and plans, and check official travel advice from Smartraveller before you go.