Check the Medical Coverage Limit First
For international trips, the medical coverage limit is usually the most important number to check, especially for destinations with expensive healthcare like the US or parts of Europe. A cheaper policy with a low medical coverage limit can leave you exposed to significant costs in a genuine emergency. It's worth comparing this figure closely rather than just looking at the overall premium.
Look at What Else Is Covered
Beyond medical cover, check what the policy includes for trip cancellation, baggage loss and flight delays, since these are the situations travellers actually claim for most often. It's also worth checking the claim process and required documentation in advance, so you're not scrambling to understand it during an actual emergency. Some countries also have a minimum insurance requirement for visa approval, which is worth confirming beforehand.
- Prioritise the medical coverage limit for your destination
- Check cancellation, baggage loss and delay coverage too
- Understand the claim process before you actually need it
- Confirm if your destination has a minimum insurance requirement
- Compare a few policies rather than picking the first one