A useful travel insurance guide should explain cover for overseas medical expenses, cancellation, lost luggage, travel delays and personal liability. Check the policy’s Product Disclosure Statement (PDS) for benefit limits, excesses, exclusions and rules about pre-existing medical conditions, pregnancy, alcohol and adventure activities. Consider whether your destination, trip cost and planned activities require additional cover, and compare policies rather than choosing on price alone. For current destination advice and entry requirements, check Smartraveller, and contact the insurer or a licensed adviser if you are unsure about your circumstances.