Trip cancellation
Start with eligible prepaid nonrefundable trip cost, not the total vacation budget.
Emergency medical
Compare existing health coverage abroad, destination costs, deductible and the policy medical maximum.
Medical evacuation
Consider itinerary remoteness and transport logistics, then compare the policy's evacuation rules and limit.
Baggage and valuables
Check total and per-item limits against the items you actually carry.
Delay and missed connection
Compare likely extra lodging, meals and transportation with the benefit's trigger and maximum.
Next step
Use the comparison guide and read the current policy certificate before relying on any benefit.