Insurance

Carefully consider a travel insurance policy to cover theft, loss, trip cancellation and medical eventualities. Travel agents can sort this out for you, although it is often cheaper to find good deals with an insurer online or with a broker.

Some policies specifically exclude ‘dangerous activities’ such as scuba diving, skiing and even trekking/hiking. Check that the policy covers ambulances or an emergency flight home.

Paying for your airline ticket with a credit card often provides limited travel accident insurance – ask your credit-card company what it’s prepared to cover.

You may prefer a policy that pays doctors or hospitals directly rather than reimbursing you for expenditures after the fact. If you have to claim later, ensure you keep all documentation.

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.

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