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A watertight travel insurance policy covering theft, loss and medical problems is recommended. While theft isn’t a huge problem, rental cars are sometimes targeted by opportunists and Montenegro’s roads aren’t the world’s safest. There are plenty of policies to choose from – compare the fine print and shop around.

If you’re an EU citizen, you will be covered for most emergency medical care except for emergency repatriation home. Citizens from other countries should find out if there is a reciprocal arrangement for free medical care between their country and Montenegro. Strongly consider a policy that covers you for the worst possible scenario, such as an accident requiring an emergency flight home. Find out in advance if your insurance plan will make payments directly to providers or if it will reimburse you later for any overseas health expenditures. The former option is generally preferable, especially if your finances are limited.

Some policies specifically exclude designated ‘dangerous activities’ such as scuba-diving, parasailing, paragliding, canyoning, white-water rafting, skiing and even hiking. If you plan on doing any of these things (a distinct possibility in Montenegro), make sure the policy you choose covers you fully and includes ambulances and emergency medical evacuation.

If you need to make a claim, ensure you obtain and keep all relevant documentation. This may involve a police report in case of theft and invoices for medical expenses incurred. Some policies ask you to call back (reverse charges) to a centre in your home country where an immediate assessment of your problem is made.

Worldwide travel insurance is available at www.lonelyplanet.com/bookings. You can buy, extend and claim online any time – even if you’re already on the road.