Don’t leave home without a travel-insurance policy to cover theft, loss and medical problems. You should get insurance for the worst-case scenario; for example, an accident or illness requiring hospitalisation and a flight home.

Check the small print as some policies specifically exclude ‘dangerous activities’ such as scuba diving, motorcycling or even trekking. If these activities are in your sights, either find another policy or ask about an amendment (usually available for an extra premium) that includes them.

Make sure you keep all documentation for any claims later on. 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.

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

Checking insurance quotes…