There’s no shortage of confusing deals in the travel insurance industry. From partial coverage to completely rotten agreements, the number of potential loopholes and justifications is miles long, and loaded with negative incentives. Needlessly complicated travel insurance policies are such an annoyance for travellers that they’re a top query for travel magazines, often with no real answers.

Navigating a travel insurance agreement can be a nightmare, which is why so many travellers end up skimming over their agreement before signing. The most vital part of any insurance agreement isn’t simplicity or perceived coverage, but understanding. Spend time surveying your documents and ensure that you’re adequately covered. If not, revise the contract with a travel insurance rep.

Partial injury coverage is one of the most frequent missed arrangements in any travel insurance deal. After spending time in a foreign hospital, many travellers are met with the news that they won’t be covered under their current policy due to the nature of the injury. For some, it’s due to involvement in a casual sport while overseas; for others it could simply be riding a motorcycle.

These minor misunderstandings happen alarmingly often, particularly amongst inexperienced travellers and seasoned insurance companies. Few travellers realise that insurance isn’t a ticket which guarantees complete coverage – merely an agreement that provides coverage under the agreed circumstances. Prevent disagreements by thoroughly reading any insurance documents.

Few travel insurance policies are perfect, and even fewer are likely to be tailored exactly to your needs. But at the same time many insurance companies are happy to work with you to work out what’s essential to your holiday. When your health is an issue, don’t leave it to chance or consider arguing against your policy – speak directly with your provider to ensure that you are covered.