What to check in a policy
- Medical cover abroadTreatment, hospital stays and getting you home if you are ill or injured.
- The whole tripEvery day from departure to return, and every country on the route.
- Your activitiesHiking, diving, skiing or riding a scooter can need extra cover; read the exclusions.
- Existing conditionsDeclare them; an undeclared condition can void a claim.
- Proof on paperKeep the policy certificate and emergency number offline, in case a border officer or a hospital asks.