A travel insurance policy should cover you for a reasonable period of time especially in cases of flight delays and cancellations that cause you to miss connecting flights. Ensure that your policy also covers you fairly in the case of delayed or lost baggage. Take note of the maximum amount that you are covered for. Lastly, overseas medical coverage should cover you for at least $200,000. A good plan offers unlimited coverage in the case of emergency medical evacuation and repatriation.
Look for reputable insurers that provide 24-hour worldwide assistance. Crisis-response capabilities and the ability to process claims quickly are also important factors.
Extreme sports or photography trips might also require you to get additional coverage such as accident coverage for high-risk activities and baggage compensation for expensive equipment.