What to check before you buy
- Medical coverage limits (especially outside your home country).
- Cancellation reasons covered (illness, family emergency, work-related).
- Coverage for adventure sports and rental car excess.
- Pre-existing condition rules and waiting periods.
- 24/7 assistance and claim process (documents, timelines).
Tip: Prefer policies with clear exclusions and easy claim procedures.
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FAQ
Do I really need travel insurance?
If you travel abroad, medical costs can be unpredictable. For many travelers, a basic plan is cheap risk reduction.
What is the most common mistake?
Buying the cheapest plan without checking exclusions—especially for activities, pre-existing conditions, or specific destinations.
Is annual travel insurance worth it?
If you take multiple trips per year, annual policies often cost less than several single-trip plans.