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Travel Insurance Reviews: What Actually Covers 2026

Insurance is boring until you need it. The trick is matching cover to your trip: destination, activities, pre-existing conditions and what you can't afford to lose.

We read the policy, not just the blurb, and call out common exclusions that catch people out.

Know what you need

Medical cover is usually the must-have abroad. Check limits, hospital access and evacuation.

Cancellation depends on your non-refundable costs and reason flexibility.

Read exclusions

Pre-existing conditions, high-risk activities, alcohol-related incidents and unattended baggage often excluded.

Look for "listed activities" vs "all activities".

Pragmatic tips

Keep receipts, photos and police reports if needed. Know how to make a claim and required docs.

Don't rely on credit card cover without reading its exact terms.

When to buy

Buy soon after booking non-refundable trips for cancellation cover. Some benefits have time limits.

Compare total coverage, not just headline price.

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