A travel-insurance policy to cover theft, loss and medical problems is a necessity. If you can't afford travel insurance, you certainly can't afford the costs in the event of a crisis. There’s a wide variety of policies available; most insurance companies offer travel policies, and these are also available through travel agencies.

Always check the small print: some policies specifically exclude ‘dangerous activities’, which can include scuba diving, motorcycling and even trekking. Make sure any activities you plan to get involved in are covered. Ensure that your driving licence is valid for any vehicle you hire, or this may invalidate your insurance. Check that any insurance policy covers ambulance rides, emergency flights home and, in the case of death, repatriation of a body.

Worldwide travel insurance is available at You can buy, extend and claim online anytime – even if you’re already on the road.

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