Check that the policy covers medical expenses, emergency evacuation, cancellation, lost luggage and activities you plan to do, such as skiing or motorcycling. Read the Product Disclosure Statement (PDS) carefully, paying attention to excesses, exclusions, travel advisories and cover for pre-existing medical conditions. You may need to disclose relevant health conditions and provide supporting information before cover is confirmed. Compare policies based on their limits and exclusions, not just price, and contact the insurer or a licensed insurance adviser if you are unsure about the wording.