The main thing is making sure your policy is set up to support you if something goes wrong on your trip. It can be tempting to go with the cheapest option upfront, but the lowest-priced policy may not include cover that turns out to be essential later. A few things worth checking before you buy:
1. Overseas medical and dental cover limits for the destinations you're visiting
2. Whether cancellation cover is enough for your prepaid, non-refundable trip costs
3. Whether any activities you've planned (snow sports, motorbiking or moped riding, cruising, adventure) are covered or need an add-on
4. How existing medical conditions are handled
5. Claims experience and support (live chat, 24/7 emergency assistance, telehealth)
Always read the PDS before you buy so you know exactly what is and isn't included.