A useful travel insurance guide should explain cover for overseas medical expenses, cancellation, lost luggage, delays and activities such as skiing or cruises. Check the policy’s limits, excesses and exclusions, especially for pre-existing medical conditions, alcohol-related incidents and destinations with government travel warnings. Read the Product Disclosure Statement (PDS) and confirm that your trip dates, destination and planned activities are covered. Comparing policies can help, but the insurer will decide whether a claim is covered based on the policy terms and your individual circumstances.