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1. Assess Your Activities and Risks

Adventure Sports Coverage: Determine if your insurance covers activities such as skiing, scuba diving, mountaineering, or other high-risk sports you plan to participate in.
Off-the-Beaten-Path Travel: Consider coverage for remote or adventurous destinations where medical facilities may be limited.

2. Types of Insurance to Prioritize

International Health Insurance
Comprehensive Coverage: Ensure it includes emergency medical expenses, evacuation, and repatriation.
Adventure Activities: Confirm coverage for injuries related to adventure sports or activities.

Travel Insurance

Trip Cancellation/Interruption: Protects prepaid, non-refundable trip costs if your trip is cancelled or cut short due to unforeseen circumstances.
Baggage and Personal Belongings: Covers loss, theft, or damage to your belongings during your travels.
Travel Delay: Reimburses additional expenses incurred due to travel delays.

Personal Liability Insurance

Legal Protection: Covers legal expenses and damages if you are responsible for injury or property damage to others.
Evacuation and Repatriation Insurance
Emergency Transport: Includes coverage for medical evacuation to a suitable medical facility and repatriation to your home country if necessary.

3. Read and Understand Policy Exclusions
Adventure Activities: Check if there are exclusions for specific activities or sports.
Pre-existing Conditions: Understand limitations regarding pre-existing medical conditions.
Geographical Limits: Ensure coverage applies to all countries or regions you plan to visit.