Travel insurance can help cover overseas medical costs, cancellation and lost luggage, but it generally does not protect the home purchase itself or guarantee cover if settlement problems arise. Before travelling, check the policy’s exclusions, including cancellation claims linked to property contracts, finance approval, conveyancing or changes to your settlement date. Consider whether you need cover for existing medical conditions and any high-value items you are taking with you. Ask the insurer for clarification in writing, and speak with your conveyancer or lender about risks and obligations while you are away.