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Another thing to look out for is that ; with most policies that exclude North America or cover just Europe (inc.
However, the truth is that today during a trip around the backpacking heart lands of Southeast Asia, Latin America, Australia or Europe you are not going to be in much danger of Ebola, lack of banks, hardened rebel groups, squalid accommodation, impossible visas or (with a realistic budget) really much outside your comfort-zone.
With all policies make sure you read the small print.
No company is perfect and competitive terms often come with loop-holes and coverage black-spots.
They offer a money back guarantee, cover the likes of surfing, diving, trekking and bikes (which many don't as standard) and you can buy from any country in the world.
All this is useful and makes them worth checking out.