The Indian traveller is still relatively new to the concept of travel insurance. Many still doubt if it is necessary to take one while travelling out of the country. Here are some details that will help you make up your mind: The type of travel insurance you need to take depends upon a variety of factors. Experts say that one should always read the fine print and check if it covers the necessary aspects, pertaining that particular travel or not. If you want specific insurance, you can avail of one designed for cruises, hot air ballooning or even backpacking! The amount of coverage, however, depends on the nature of the policy you zero in on. Most policies cover emergency aid, trip cancellation, medical, dental and accidental death, but always double check to make sure because your policy will not cover you for anything other than what is stated on the document. Most policies do not cover preexisting medical conditions. Some policies, on the other hand, cover lost baggage, trip or baggage delay, collision, damage and rented cars too. Some insurance companies offer coverage for children below a certain age for no extra cost. If you are travelling with kids, make sure you ask your agent about this. Travel policy premiums normally make up for only about five per cent of your entire trip, however, factors like age and medical history also play an important role in determining the final amount. Experts say that travel insurance is best not bought through a tour operator because most of them offer a lower amount of coverage, have hidden costs and conditions or even duplicate the coverage you already have. Buy travel insurance from an insurance company instead. And while doing so, get quotes from more than just one company. If you feel that some points in the package being presented to you are not of any use to you, ask if you can customise the package to suit your needs better. You'd be surprised — more often that not, the answer will be 'Yes'.