1. Assess your needs: Consider trip cost, destination, and personal health.
2. Compare coverage options: Look for trip cancellation, interruption, and delay coverage.
3. Check for medical coverage: Ensure adequate medical and evacuation coverage.
4. Consider baggage protection: Look for policies covering lost, stolen, or delayed luggage.
5. Review exclusions: Understand what isn’t covered (e.g., pre-existing conditions).
6. Check for ‘Cancel for Any Reason’ option: Offers more flexibility but costs more.
7. Consider your existing coverage: Check credit card benefits and existing health insurance.
8. Compare prices: Get quotes from multiple providers.
9. Read reviews: Look for customer experiences with claims processing.
10. Check for COVID-19 coverage: Ensure pandemic-related issues are covered.
11. Consider annual policies: If you travel frequently, an annual policy might be cost-effective.
12. Look for 24/7 assistance: Ensure the provider offers round-the-clock support.

Remember to read the fine print and don’t hesitate to ask questions before purchasing a policy.