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Insurance

A travel insurance policy to cover theft, loss and medical problems is a sensible idea. There are a wide variety of policies available, with some policies offering lower and higher medical-expense options, so check the small print.

Some policies specifically exclude ‘dangerous activities’, which can include scuba diving, motorcycling and even trekking. A locally acquired motorcycle licence is not valid under some policies.

You may prefer a policy that pays doctors or hospitals directly rather than you having to pay on the spot and claim later. If you have to claim later, make sure you keep all documentation. Some policies ask you to call back (via reverse charges) to a centre in your home country where an immediate assessment of your problem can be made.

Check that the policy covers ambulances as well as an emergency flight home.

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.