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It’s foolhardy to travel without insurance to cover theft, loss and medical problems. There are a wide variety of policies, so check the small print. Some policies specifically exclude ‘dangerous activities’, which can include scuba diving, motorcycling, winter sports, adventure sports or even hiking. Check that the policy covers ambulances or an emergency flight home.

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.