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A travel-insurance policy to cover theft, loss, medical problems and cancellation or delays to your travel arrangements (due to illness, ticket loss, industrial action etc) is a good idea. Paying for your ticket with a credit card can often provide limited travel-accident insurance and you may be able to reclaim the payment if the operator doesn't deliver.

Note that some policies specifically exclude 'dangerous activities' such as motorcycling, skiing, mountaineering, snowmobiling or even hiking. Make sure the policy covers ambulances and an emergency flight home. A policy that pays doctors or hospitals directly may be preferable to one where you pay on the spot and claim later. If you have to claim later, make sure you keep all documentation.

In Norway, EU citizens may be required to pay a service fee for emergency medical treatment, but presentation of an E111 form will certainly expedite matters and minimise the amount of paperwork involved. Inquire about these at your national health service or travel agent well in advance.

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