Travel insurance is essential for everyone, especially if you are travelling overseas. However, choosing a policy can be complicated, with a growing number of outlets offering travel insurance. One of the key things you need to do is read a policy’s “product disclosure statement”, or PDS; everything you need to know about your insurance cover is in contained in it. There are a number of things to look out for which could affect your level of insurance. For one, you should check the table of benefits, and the cover section, for what’s included or excluded in the policy. For example, many pre-existing medical conditions are often not covered, which can include pregnancy, or any serious medical condition, current ongoing or experienced at any time in the past, involving your back, neck, brain, heart, circulatory system, respiratory system or cancer. Also be sure to check all the general exclusions thoroughly, which is a list of events that aren’t covered by any section of the policy, for example contracting avian bird flu, or breaking your arm as a result of having an accident due to drinking too much alcohol. Another thing to consider is that not all holiday activities are covered by some travel insurance policies, such skiing, riding a quad bike, horse riding or bungee jumping. If they are included, you are paying for cover you don’t need, but if they’re not, and you need them for you holiday, you will have to factor the extra cost into the policy.