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  • Comprehensive travel insurance to cover theft, loss and medical problems is highly recommended.
  • Some policies specifically exclude dangerous activities such as scuba diving, motorcycling, skiing and even trekking: read the fine print.
  • Check that the policy covers ambulances or an emergency flight home.
  • Find out in advance if your insurance plan will make payments directly to providers or reimburse you later for overseas health expenditures.
  • If you have to claim later, make sure you keep all documentation.
  • Paying for your airline ticket with a credit card often provides limited travel accident insurance – ask your credit card company what it is prepared to cover.
  • 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.