There are a large variety of insurance policies available for travelers. Check that the plan you are considering will cover you in all situations. Always remember to carefully read through the contract before you decide on a particular policy.

Some policies specifically exclude certain sports and activities including scuba diving, motorcycling, bungee jumping, and even hiking. Choose your policy after planning your activities and ask your insurance agent to verify that they are covered.

Try to choose a policy that pays doctors or hospitals directly rather than requiring you to pay first and claim later.

If you need to make a claim later, be sure to keep all documentation. Insurance companies are notoriously slow in paying claims that are not properly documented.

Check if the policy covers ambulances, rescue teams, helicopters, and emergency flights home.

Be sure your policy provides for bringing remains home in the event of a death.

Check to see whether bringing your family home in the event of your illness or injury is covered.

Some policies cover the cost of replacing and/or bringing your car home in the event you are unable to do so. This is a good option to keep in mind if you are planning long road trips away from home.