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Having a travel-insurance policy to cover theft, loss, accidents and illness is highly recommended. Always carry your insurance card with you. Not all policies compensate travelers for misrouted or lost luggage. Check the fine print to see if it excludes ‘dangerous activities,’ which can include scuba diving, motorcycling and even trekking. Also check if the policy coverage includes worst-case scenarios, such as evacuations and flights home.

You must usually report any loss or theft to local police (or airport authorities) within 24 hours. Make sure you keep all documentation to make any claim.

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.