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A travel-insurance policy to cover theft, loss and medical problems is a good idea. Some policies offer a range of lower and higher medical-expense options; the higher ones are chiefly for countries such as the USA, which has extremely high medical costs. There is a wide variety of policies available, so read the small print.

Some policies specifically exclude ‘dangerous activities', which can include scuba diving, motorcycling and even trekking. Check that the policy you’re considering covers ambulances and an emergency flight home.