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A travel-insurance policy to cover theft, loss and, in particular, medical problems is strongly recommended for all visitors to Morocco.

Activities Some policies specifically exclude ‘dangerous activities’, which can include scuba diving, motorcycling, skiing and even trekking, so ensure your policy covers these if needed.

Driving Make sure you have adequate travel medical insurance and any relevant car insurance if you’re driving.

Extensions If you need to extend your cover on the road, do so before it expires or a more expensive premium may apply.

Flights Paying for your airline ticket with a credit card often provides some travel-accident insurance, but take note of exclusions. You may be able to reclaim the payment if the operator doesn’t deliver.

Purchase Buy travel insurance as early as possible. Buying just before you leave home may mean you’re not covered for delays to your flight caused by strike action that began, or was threatened, before you took out the insurance.

Online insurance Worldwide travel insurance is available at www.lonelyplanet.com/insurance. You can buy, extend and claim online any time – even if you’re already on the road.