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Travel insurance policies covering travel changes, theft, loss and medical problems can be quite helpful. But each has its own caveat, so check the small print. For example, some policies specifically exclude ‘dangerous activities’ (eg motorcycling, rock climbing, canoeing and even hiking), or require you to return to your home country every 31 days.

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.