When comparing travel insurance quotes, look beyond the price and check the policy’s overseas medical, cancellation, luggage and personal liability cover. Read the limits, excesses and exclusions, particularly for pre-existing medical conditions, adventure activities, cruises and travel disruptions. Make sure the policy dates match your entire trip and that you disclose relevant information accurately, as this can affect a claim. Quotes and cover vary between insurers, so review the Product Disclosure Statement and confirm any concerns with the insurer before buying.