What it covers
A good policy includes emergency medical care, evacuation, trip cancellation, and lost baggage. Some add coverage for delays, missed connections, and sport activities like skiing. Read the exclusions, because pre-existing conditions and high-risk sports are often separate. Confirm the medical limit is high enough for the country you visit. Keep the policy number and the assistance line saved in your phone and on paper.
How to choose
Compare the medical limit, the excess, and the claim process, not just the price. Check whether the insurer pays providers directly or reimburses you later. Verify coverage for the activities you plan, from hiking to scuba. Buy soon after booking so cancellation protection applies from the start. Annual plans beat single-trip policies if you travel more than twice a year.
Making a claim
Contact the assistance line before any major treatment so they can direct you to approved care. Keep every receipt, report, and translation for delayed bags or cancellations. Photograph damaged luggage and stolen items with a police report where required. File within the stated window, because late claims are often refused. A calm, documented claim is paid far faster than a vague one.
