A good travel-insurance policy to cover theft, loss and medical mishaps is important. A wide variety of policies is available: shop around and scrutinize the fine print. Some policies specifically exclude ‘dangerous activities,’ which can include skiing, motorcycling, mountain biking and even trekking. Check that the policy covers ambulances and emergency airlift evacuations.

Worldwide travel insurance is available at You can buy, extend and claim online anytime – even if you’re already on the road.

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