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It’s always a good idea to take out travel insurance. Check the small print to see if the policy covers potentially dangerous sporting activities such as caving, diving or trekking, and make sure that it adequately covers your valuables. Health-wise, you may prefer a policy that pays doctors or hospitals directly rather than your having to pay on the spot and claim later. If you have to claim later, make sure that you keep all documentation. Check that the policy covers ambulances, an emergency flight home and, if you plan trekking in remote areas, a helicopter evacuation.

A few credit cards offer limited, sometimes full, travel insurance to the holder.

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.