Travel insurance may cover unexpected medical expenses, cancellation or rearrangement costs, lost or stolen belongings, travel delays and some personal liability, depending on the policy. Common exclusions can include pre-existing medical conditions, travelling against medical advice, alcohol- or drug-related incidents, some adventure activities and unattended luggage. Read the Product Disclosure Statement (PDS) carefully, including benefit limits, excesses and conditions that apply to medical cover. If you have a pre-existing condition or plan higher-risk activities, ask the insurer how these affect cover before purchasing.