The most important part of travel insurance is the medical coverage it provides. Health complications are one of the most common problems a traveler will find on the trip. There might be some kind of plague, epidemic, or disease outbreak in the region you are visiting. You must be insured against them, and you must be insured well.

Climates differ greatly all over the world. Your hometown and the place you are visiting may have vastly disparate environments. You may not acclimatize immediately to the weather, resulting in illnesses. Also, the water and food will be rather dissimilar and may not suit your stomach leading to digestive issues. All these will spoil the enjoyment you are expecting on the trip. Health precautions will be of help to you against these, but if these situations do arise, adequate insurance will compensate for the time and money lost.

Generally, medical insurance will cover:

1) Doctor visits.

2) Medication by prescription.

3) Hospitalization. 

Most policies start from a trip whose duration is five days up to a year.

This can be done via a health/medical insurance that often comes with travel insurance. Get a thorough understanding of the clauses that the travel insurance entails for health emergencies. See that it has all the facilities for the health issues you may have or liable to have. You have two options here: you may stick with the travel policy you already have and request for additions in the category of medical aid, with extra payment. Or you may buy another exclusive health policy, apart from your usual travel policy.

Certain weathers trigger some diseases and allergies. This is especially true if you are asthmatic, have pollen allergy, or something along these lines. While these allergies are treated as a pre-existing condition and not really covered under insurance, but if there was something in the trip or flight that triggered it, then you are liable for coverage.

In addition, policies differ according to your destination. Countries are classified according to the health risks they pose and policies are drafted accordingly. So the policy that you used last time may or may not hold good in your next trip.

If you are traveling to any country in Europe, you could apply for a European Health Insurance Card (EHIC). This kind of insurance will get you free or in the least, discounted medical help in all of Europe. Specific health insurance for students is also available. This is usually priced lesser than the others and enables further discounts to students.

Medical insurance for older people is hard to come by because firms expect more claims from this age group than any other. They are also more expensive than others. And so, if you fall in this category, you will need to start looking for an insurance well before the actual trip. 

Lastly, people often falsify information while applying for insurance. They hide their pre-existing medical problems. This may help you save on premiums at the time of purchase, but if you did fall in any unfortunate circumstances, then you would end up losing a whole lot more.