When choosing an insurance policy, spend 10 minutes reading the EXCLISION item. Each insurance has its own types of exceptions, so you better observe all possible risks when traveling to a particular country. For example, if you plan to dive or try out water skiing somewhere in the Indian Ocean, be sure to buy a policy that covers active recreation.
Are you going to exotic countries? Study the insurance policy for covering insect bites. Are you afraid of gastritis exacerbation? It is worth taking care of this. Many insurances don’t cover chronic illnesses.
Especially it is worth paying attention to exceptions to the insurance contract, if you are going on vacation with small children. It is better to spend some time and buy the necessary policy than to search for a doctor somewhere in the heart of Thailand.