A travel-insurance policy to cover theft, loss and medical problems is highly recommended. Some policies offer lower and higher medical-expense options; the higher ones are chiefly for countries that have high medical costs, and this would be a good idea for a Maldives trip.
Some policies specifically exclude ‘dangerous activities’, which can include diving, so check your policy carefully if you plan to dive, though anyone diving in Maldives is automatically obliged to buy Maldivian diving insurance as part of the package.
Worldwide travel insurance is available at www.lonelyplanet.com/bookings. You can buy, extend and claim online anytime – even if you’re already on the road.