Ensure the policy covers hospitalization, outpatient care, evacuation, and repatriation. Match limits with the healthcare cost of your destination country.

Pre-existing diseases may not be covered unless specifically mentioned. High-risk activities like skiing, scuba diving, or trekking usually require add-ons.

Know how much you’ll pay before insurance applies. Compare plans with higher vs. lower deductibles to balance cost and out-of-pocket expenses.

If you plan on adventure sports or outdoor activities, confirm whether your plan includes them. Check if gear protection and emergency evacuation are included.

Schengen and other destinations mandate minimum insurance coverage. Always verify the consulate’s insurance rules before applying for a visa. Keep insurance proof handy for visa and travel checks.