If you are traveling, alone or with your family, it is essential that you get adequate risk cover for everyone. Travel insurance is a must since it covers you for all exigencies during your trip. Having said that, there are some important things that need your attention.
To ensure that you are getting value for your money, read the exclusions, restriction clauses carefully. Some of the common exclusions are sporting risks like bungee jumping, mountaineering etc, recurring treatments, particular age groups and specific cases of pregnancies. The standard policies also exclude use of alcohol and drugs, any terminal illness not reported at time of taking the policy, self-inflicted injury, AIDS etc. If you are a sports freak, please have a look at the extreme sports insurance cover. Though the premium will depend on the activities included and the provisos, it will cover you while you enjoy your favorite sport. However, check for the exclusions here also.