Travel insurance is not exciting until you need it. Buy it for the clauses, not the logo.
Must-check list
- Medical and repatriation limits for your destination.
- Cancellation cover: what triggers it, and proof you will need.
- Exclusions for pre-existing conditions — declare properly.
- Adventure activities: skiing, scooters, diving often need add-ons.
- Tech and baggage limits (phones are usually capped).
Compare two reputable policies on the same dates. Cheapest is fine only if the medical limit is still serious.
Featured photo via Unsplash.