It is also important to review the policy benefits (what is covered) and exclusions (what is not covered) prior to purchase. You should be able to obtain a "certificate of coverage" which will provide comprehensive details prior to your purchase. Often, some benefits are limited either by the amount of coverage provided for certain treatments or for a period of time. For example, maternity benefits are typically excluded for the first 12 months of coverage. Benefits may also be limited or excluded for travel to certain countries.