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  • Comprehensive travel insurance to cover theft, loss and medical problems (as well as air evacuation) is strongly recommended.
  • Some policies exclude potentially dangerous activities such as scuba diving, skiing, motorcycling, paragliding and even trekking; read the fine print.
  • Some trekking agents may only accept customers who have cover for emergency helicopter evacuation.
  • If you plan to hire a motorcycle in India, make sure that the rental policy includes at least third-party insurance.
  • Check in advance whether your insurance policy will pay doctors and hospitals directly or reimburse you later (keep all documentation for your claim).
  • It’s crucial to get a police report in India if you’ve had anything stolen; insurance companies may refuse to reimburse you without one.
  • 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.