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Insurance covers you not only for medical expenses, theft or loss but also for cancellation of, or delays in, any of your travel arrangements.

Lots of bank accounts give their holders automatic travel insurance – check if this is the case for you.

Always read the small print carefully. Some policies specifically exclude 'dangerous activities', such as scuba-diving, motorcycling, skiing, mountaineering and even trekking.

There's a variety of policies, and your travel agent can give recommendations. Make sure the policy includes healthcare and medication in the countries you may visit on your way to/from Scotland.

You may prefer a policy that pays doctors or hospitals directly rather than forcing you to pay on the spot and claim the money back 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 will be made.

Not all policies cover ambulances, helicopter rescue or emergency flights home. Most policies exclude cover for pre-existing illnesses.

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.