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  • Comprehensive travel insurance to cover theft, loss and medical problems is highly recommended. If you already have a homeowner's or renter's policy, check what – if anything – it will cover and only get insurance to protect against the rest.
  • Make sure that the policy covers ambulance costs and an emergency flight home.
  • Before you leave, find out if your insurance plan makes payments directly to providers or reimburses you for health expenditures. If you have a claim, be sure to keep all necessary documents and bills.
  • Paying for your airline tickets with a credit card sometimes 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 any time – even if you’re already on the road.