Two words: get some! A travel-insurance policy to cover theft, loss and medical problems is a very sensible precaution. Worldwide travel insurance is available at You can buy, extend and claim online anytime – even if you’re already on the road.

Medical cover is the most vital element of any policy, but make sure you check the small print.

Some policies specifically exclude ‘dangerous activities’, which can even include motorcycling and trekking. If such activities are on your agenda you’ll need a fully comprehensive policy, which may be more expensive. Using a locally acquired motorcycle licence may not be valid under your policy.

You may prefer a policy that pays doctors or hospitals direct rather than you having to pay on the spot and claim later. If you have to claim later, make sure you keep all documentation.

Some policies ask you to call back (reverse charges) to a centre in your home country, where an immediate assessment of your problem is made.

Check that the policy covers ambulances or an emergency flight home.

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