Compare policies for overseas medical cover, cancellation and amendment costs, luggage limits, and activities such as skiing or cruises. Read the product disclosure statement carefully, especially exclusions, excesses and rules about pre-existing medical conditions, and disclose relevant information honestly. Consider buying cover soon after booking so cancellation benefits may apply from an earlier point, subject to the policy terms. Check current government travel advice at smartraveller.gov.au and contact the insurer if you are unsure whether your plans or medical circumstances are covered.