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Travel insurance covering theft, loss and medical problems is highly recommended. Some policies offer travellers lower and higher medical-expense options; the higher ones are chiefly for countries such as the USA, which have extremely high medical costs. Watch particularly for the small print as some policies specifically exclude ‘dangerous activities’, which can include scuba diving, motorcycling and even trekking.

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.