Start by checking cover for overseas medical expenses, emergency assistance, cancellation, luggage and travel delays, as these are common risks. Read the policy’s Product Disclosure Statement (PDS) carefully, paying attention to exclusions, excesses, limits and whether pre-existing medical conditions must be assessed before you buy. If you plan to ski, hire a motorbike or take part in adventure activities, confirm those activities are covered rather than assuming they are included. Compare policies based on your trip and circumstances, and contact the insurer or a licensed adviser if you are unsure about the cover.