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A travel-insurance policy to cover theft, loss and medical problems is a very good idea. Some policies specifically exclude dangerous activities such as scuba diving, motorcycling and even trekking.

You may prefer a policy that pays doctors or hospitals directly rather than you having to pay on the spot and claim later. If you have to claim later, ensure that you keep all documentation. Check that the policy covers ambulances or an emergency flight home.

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.