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Insurance

A travel-insurance policy to cover theft, loss and medical problems is a good idea. Policies offer differing medical-expense options. There is a wide variety of policies available, so check the small print. Be sure that the policy covers ambulances or an emergency flight home. Some policies specifically exclude ‘dangerous activities’, which can include scuba diving, motorcycling and even trekking. A locally acquired motorcycle licence is not valid under some policies. 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, make sure you keep all documentation.

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