For travel insurance in 2026, compare the policy’s limits and exclusions for overseas medical care, cancellation, luggage, delays and personal liability. Read the Product Disclosure Statement (PDS) carefully, especially rules for pre-existing medical conditions, pregnancy, adventure activities, cruises and events affected by government warnings. Check whether the policy covers COVID-related expenses and whether you must meet specific booking or notification requirements. Prices and cover vary by traveller and destination, so obtain quotes from insurers and consider asking your doctor or insurer about medical eligibility before buying.