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Travelers should take out a travel insurance policy to cover theft, loss and medical problems. Some policies specifically exclude 'dangerous activities,' which can include scuba diving, motorcycling and even trekking. Check that the policy you are considering covers ambulances as well as emergency flights home.

You may prefer a policy that pays doctors or hospitals directly rather than requiring you to pay on the spot and claim later. If you have to claim later, make sure you keep all documentation.

Worldwide travel insurance is available at www.lonelyplanet.com/travel-insurance. You can buy, extend and claim online anytime – even if you’re already on the road.