We strongly recommend taking out travel insurance. Check the small print to see if the policy covers potentially dangerous sporting activities, such as diving or trekking. For medical treatment, some policies pay doctors or hospitals directly but most require you to pay on the spot and claim later (keep all receipts and documentation). Check that the policy covers ambulances or an emergency flight home. Worldwide travel insurance is available at www.lonelyplanet.com/travel-insurance. You can buy, extend and claim online anytime – even if you’re already on the road.