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A policy covering loss, theft and medical expenses, plus compensation for delays in your travel arrangements, is essential for Mongolia. If items are lost or stolen you’ll need to show your insurance company a police report. You may also need to prove damage or injury, so make sure to take photos. All policies vary, so check the fine print.

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.