Duration and extension rules
Check how long the policy can stay in force, whether extensions are allowed after departure, and whether a waiting period or new exclusions apply to an extension.
Medical and evacuation first
Long trips increase the importance of medical limits, evacuation coordination, prescriptions and what happens if a traveler must return home early.
Activities and work status
Read the activity list and exclusions for planned sports, trekking, volunteering or paid work. Coverage can depend on the exact activity and whether it is recreational, organized or paid.
Gear and documents
Compare baggage item limits for electronics, cameras and outdoor gear, and keep receipts or ownership records where possible.