90 Day Travel Insurance

Like we always say here at Confused.com, what's covered depends on the policy you've chosen, the provider and your personal circumstances.

Another thing we always say is check your policy wording. This is vital because you'll know exactly what your policy covers.

But at a glance, here's what's typically covered on a 90 day travel insurance policy:

• Medical expenses

  This is probably one of the most important parts of travel insurance. If you need emergency medical treatment abroad, travel insurance can help cover the cost of it.

• Repatriation

  Repatriation is when you're flown back home for some reason - most of the time it's for medical treatment. If this happens to you, your travel insurance can cover the cost.

• Loss, theft or damage of personal belongings

  If you've stared at an empty conveyor belt for hours waiting for your missing luggage, then you probably don't need us to emphasise the importance of baggage cover.

  If not, then here's a heads up. Baggage cover can cover the cost of replacing your belongings up to a certain amount. It'll also cover your belongings if they're stolen or damaged during your trip. That's unless they went missing while they were unattended, your insurance won't cover you for that.

• Cancellation and curtailment

  These are 2 things you don't want to happen on holiday, but sometimes it's unavoidable. If you have travel insurance, your policy can pay out if your trip is cancelled or if you're flown home unexpectedly. This is known as 'curtailment'.

You can usually get travel insurance if you have a pre-existing medical condition, but you might not have as much choice. Your policy might cost more too. Pre-existing conditions include:

• Heart conditions
• Diabetes
• Respiratory conditions
• Epilepsy
• Cancer
• Terminal illnesses
• Stroke
• High blood pressure

But, you should always tell your insurer about your medical condition when you're buying travel insurance. If you don't and you need medical care for your condition on your trip, your insurance might not cover you for it.

One of our golden rules at Confused.com is to always check the details of your policy before you buy. That way you know exactly what you're covered for.

If you're struggling to find cover, try the Money and Pensions Service (MaPS). They have a directory of insurers that can provide travel insurance for people with medical conditions. You can also phone MaPS for free, impartial advice on 0800 138 7777.

A tip from us: Before you travel, it's a good idea to research what the healthcare is like in the country you're visiting. Find out what the emergency phone numbers are, where the nearest hospital and pharmacies are too.

90 day insurance

• The longest you can travel for is 90 days
• You're only covered for one continuous trip

Long stay insurance

• You can travel for up to 18 months
• Usually this type of policy covers a trip home if you need one