A travel-insurance policy to cover theft, loss, medical problems and cancellation or delays to your travel arrangements (due to illness, ticket loss, industrial action etc) is a good idea. Paying for your ticket with a credit card can often provide limited travel-accident insurance and you may be able to reclaim the payment if the operator doesn't deliver.

Note that some policies specifically exclude 'dangerous activities' such as motorcycling, skiing, mountaineering, snowmobiling or even hiking.

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

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