If you are in any way unsure as to what is covered in a policy or if any of the jargon confuses you, do not be afraid to ask the insurer directly. They should be willing and able to answer all of your questions and make things crystal clear for you. If not, it is time to look elsewhere for your product.
The type of cover you go for is also important. There are a variety of travel insurance products on the market nowadays, from specialist ski trip or business travel insurance, to long-term holiday and child-only cover. So take a look at what is on offer and at what best suits your particular holiday needs.