Getting an insurance cover should be given time and thought. Before taking any insurance cover, check if you are not already covered by virtue of your citizenship. A good example of this is the EU citizen who are covered for medical services all over Europe.
Some medical insurances do cover for any medical emergency when the person is outside home country.
Most medical insurance will cover your medical needs for up to 90 days in a host country after which you will have to be covered by a private medical insurance. Travel insurance policies differ according to what they cover. It is advisable to check all the risks that covered by the insurance so that you take up extra cover for those that are not covered. For those that cover stolen or lost luggage , check what items they cover because it might not be all things that are covered. If you have pre-existing medical problems , you should carry a letter from your doctor describing your condition, including information on any prescription medicines that you must take.