A travel-insurance policy to cover theft, personal liability, loss, cancellations and delays in travel arrangements and medical problems is strongly recommended.
- Buy insurance as early as possible. If you buy it the week before you are due to fly, you may find that you’re not covered for delays to your flight caused by strikes or other industrial actions that may have been in force before you took out the insurance.
- Paying for your airline ticket with a credit card often provides limited travel-accident insurance, and you may be able to reclaim the payment if the operator doesn’t deliver.
- Certain bank accounts offer their holders automatic travel insurance.
- Make sure you get a policy that covers you for the worst possible health scenario if you aren’t already covered. Ensure it covers you for any activities you plan to do, such as skiing. Be sure to check the small print.
- Find out in advance if your insurance plan will make payments directly to providers or reimburse you later for overseas health expenditures.
- Worldwide travel insurance is available at www.lonelyplanet.com/bookings. You can buy, extend and claim online anytime – even if you’re already on the road.