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Assess Your Needs
Health Coverage
Medical Expenses: Consider coverage for routine check-ups, emergency care, hospitalization, and prescriptions.
Pre-existing Conditions: Ensure your insurance covers any pre-existing medical conditions you have.
Dental and Vision Care: Check if these services are included or can be added as options.
Travel Risks

Trip Cancellation and Interruption: Coverage for prepaid, non-refundable trip expenses if your trip is cancelled or interrupted.
Baggage Loss/Delay: Protection against lost, stolen, or delayed luggage.
Travel Delays: Reimbursement for additional expenses due to travel delays. Personal Liability

Legal Expenses: Coverage for legal fees and compensation if you are sued for causing injury or property damage.
Types of Insurance to Consider

International Health Insurance
Comprehensive Medical Coverage: Includes inpatient and outpatient care, emergency services, and medical evacuation.
Global Network: Access to a network of healthcare providers worldwide.
Travel Insurance

Trip Cancellation/Interruption: Reimburses non-refundable trip expenses due to covered reasons.
Baggage and Personal Effects: Covers loss, theft, or damage to baggage and personal belongings.
Travel Delay: Compensation for additional expenses due to travel delays.
Long-term Coverage Options

Long-stay Travel Insurance: Specifically designed for travelers planning extended trips.
Annual Multi-Trip Insurance: Provides coverage for multiple trips within a year, each trip typically limited to a specific duration (e.g., 30 or 60 days per trip).
Additional Coverage

Personal Liability Insurance: Protects against legal expenses and compensation claims.
Income Protection Insurance: Provides income replacement if you are unable to work due to illness or injury.
Life Insurance: Offers financial protection for your beneficiaries in the event of your death.