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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 motorcycling, scuba diving and even trekking; read the fine print.
  • Check that the policy covers ambulance or an emergency flight home.
  • Before you leave, find out if your insurance plan makes payments directly to providers or reimburses you for health expenditures.
  • Paying for your airline ticket with a credit card sometimes provides limited travel accident insurance – ask your credit-card company what it is prepared to cover.
  • If you have to make a claim, be sure to keep all necessary documents and bills.
  • 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.
  • Consider coverage for luggage theft or loss. If you already have a homeowner's or renter's policy, check what it will cover and only get supplemental insurance to protect against the rest.
  • If you have prepaid a large portion of your vacation, trip cancellation insurance is worthwhile.