- Goal: What event are you trying to insure against?
- Territory: Where must coverage apply (country/worldwide)?
- Limits: Are limits realistic for worst-case scenarios?
- Exclusions: Read these first (sports, conditions, activities).
- Claims: How do you file, how fast do they pay?
- Price vs. deductible: Higher deductible can cut premiums.
- Cancel/switch: Is it flexible if your plans change?
Use this checklist on every provider page before you click “buy”.