When comparing travel insurance, look beyond the premium and check medical cover, cancellation limits, luggage protection, excesses and key exclusions. Make sure the policy covers your destination, planned activities and any pre-existing medical conditions, which may require assessment or an additional premium. Read the Product Disclosure Statement (PDS) and check whether your cover applies to events such as pandemics, natural disasters or airline disruptions. If you are unsure, ask the insurer or a licensed insurance professional how the policy applies to your circumstances.