I get amazed at the antics my friends get up to, sometimes totally thoughtless and without a care for the consequences. Travel Insurance covers you as a person for medical emergencies whilst you are travelling abroad. You will be covered for medical assistance and the cost of the treatment so that you are not saddled with a hefty bill in a foreign currency that you may not understand. The premium you pay will be rated according to where you travel. Travel insurance also covers your luggage on certain plans, but this would come as an extra and will increase the premium a little higher than that of the normal plan. Should you choose the option, your luggage will be covered against loss or damage, but it is still up to you to make sure that it is kept as safe as possible and not leave it unattended. You can visit MyCover travel insurance to make sure about what event they cover under which plan and how their excesses and claims work. They can also supply you with a quote.
It is most certainly a good question. We are living in a world so rich with information that it is hard to ignore what it can do for us. Go to www.smartraveller.gov.au for a list of places that is safe to go and a list of places not recommended. Once you have decided where you are going to travel to, MyCover travel insurance for a quote on your travel insurance needs. While you are there, you can also check up on what vaccines you would need before you go and brush up on general tips of what to do and what not to do when travelling to make sure you are safe and sound while away and that you come back with nothing more than fond memories of the places you have been and the things you saw. Let them help you to avoid nasty surprises and let them be there for you if you do run into an emergency and need to claim.