Before you travel, read the policy wording and check that the cover fits the activities and places on your itinerary. A standard policy may treat safari activities, trekking or high-altitude climbing differently.
Check the details in writing
Ask your insurer whether the policy covers your full route, planned activities and maximum altitude. Check medical treatment, emergency evacuation and repatriation, trip cancellation or interruption, baggage and pre-existing conditions, including any exclusions and excesses.
Keep the policy number and emergency contact details accessible while travelling. Confirm that the insurer’s assistance line can be reached from abroad and understand what to do before arranging non-emergency treatment.
Match the cover to your trip
For a general checklist, read the UK Foreign, Commonwealth & Development Office travel insurance guidance or advice from your own government. If you are climbing, make sure the policy explicitly covers the altitude and rescue arrangements in your itinerary.
