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  • A travel insurance policy to cover theft, loss, medical problems and trip cancellation or delays is a good idea. Some policies specifically exclude dangerous activities such as scuba diving, skiing, rock climbing and even trekking; read the fine print. Check that the policy covers ambulances or an emergency flight home.
  • Keep all your paperwork in case you have to file a claim later. Paying for your flight with a credit card often provides limited travel insurance – ask your credit-card company what it is prepared to cover.
  • 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.