When I compare travel insurance, I try not to get distracted by the headline price, because the real differences live in the fine print. The first time I had to use insurance overseas, I realised two policies can both say “medical included” but have totally different rules. Now I compare policies in a structured way, almost like I’m scoring them for my specific trip.

I start with medical and hospital cover limits and, more importantly, exclusions. Then I look at excess amounts, because a cheaper policy can sting if the excess is high. Next is cancellation and amendment cover, and I check what counts as a valid reason. I also compare baggage and valuables sub-limits, especially for phones, laptops, cameras, and jewellery. Another big one is rental vehicle excess, because in some places that’s the largest surprise bill you can cop. After that, I look at travel delay benefits, missed connection wording, and whether it covers additional accommodation and meals. Finally, I check whether pre-existing medical conditions require assessment and how that process works, because ignoring it can make cover meaningless.

If you’re interested in learning more this site has some relevant information Freely Travel Insurance. Before I forget, I always save a PDF copy of the policy wording I bought, not just the summary, so I’m not relying on memory if I need to claim.