Start by checking that the policy covers your destination, trip length and activities, including any cruises, skiing or adventure sports you plan to do. Compare cover for overseas medical expenses, cancellation, luggage, travel delays and personal liability, and read the exclusions and claim limits carefully. Tell the insurer about pre-existing medical conditions, as these may require assessment or may not be covered. Policies differ, so consider your circumstances and check the Product Disclosure Statement or speak with the insurer before buying.