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If you take out single trip holiday insurance when you go overseas as all wise travellers should - there are a number of things that you should make yourself aware of. Sometimes problems can arise if you assume your policy covers something when it doesn't, so always do your research before you leave home. Know How Much Is Covered for Each Event Single trip holiday insurance policies usually come with maximum limits for each event. For example, you may be covered up to 5 million for your medical expenses, or 1,000 for trip cancellation. It is important to know exactly how much you are covered for to avoid any nasty surprises, so double check your policy details before you go. Another thing to be aware of is that you may have a maximum limit you can claim per item of belongings. So, while your total belongings may be covered up to 500, the per-item limit may only be 100. It's important to know this because you may be planning on taking some expensive items with you and, if so, you may want to get extra cover for these. Every Policy Is Different Keep in mind that all single trip holiday insurance policies are different. Even those that look similar on paper will often contain small differences that can be important for you. Always compare policies carefully and go over the details of each so that you know which is the right option for your particular needs and trip. Always go with the one that provides the best value for you, which does not mean simply going with the cheapest. Look for Ways to Save Money There may be a number of ways to save money on your policy, so it's always a good idea to look at your options. For example, if you are planning multiple trips abroad throughout the year, it may be cheaper to buy a multi-trip policy, so check this before making your purchase. Purchase Your Policy as Soon as You Can You should ideally research and purchase your policy as soon as you have arranged your holiday. This way, if you do need to cancel your trip, at least you may be covered for trip cancellation. Most policies will also require that you purchase your insurance before you leave your home country and it may be impossible to purchase it from abroad, so always keep this in mind. Choose the Most Suitable Policy for You There are many providers of single trip holiday insurance, and all their policies are different. Keep the above information in mind and make sure you know exactly what different policies cover so that you can choose the one that is most suitable. Patrick Chong is the Managing Director of InsureMore. We provide low cost travel insurance and offer a range of policies including single trip holiday insurance, annual, multi-trip and family cover. For all your travel cover needs, InsureMore can help you in the quickest and most cost-efficient way.