Travel insurance to cover theft, loss and medical treatment is strongly recommended. Some policies specifically exclude ‘dangerous activities’, which can include scuba diving, motorcycling and even trekking. If ‘risky’ activities are on your agenda, as they may well be, you’ll need the most comprehensive policy.

You may prefer to have an insurance policy that pays doctors or hospitals directly rather than you having to pay on the spot and claim later. If you have to claim later, make sure you keep all documentation. Some policies ask you to call back (reverse charges) to a centre in your home country, where an immediate assessment of your problem is made. Check that the policy covers ambulances or an emergency flight home.

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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