Think about taking out travel insurance – it will cover you if you have a medical issue while you are away, as well as cover you if your valuables or luggage get lost, stolen or damaged.

Travellers without insurance can be left with hefty fees if they need medical assistance in other countries.  If you do take out travel insurance, make sure it covers you if you want to do things like skiing or riding motorbikes or jet skis.

Shop around – you don’t have to purchase the cover sold by the travel agent – ask your family and friends if they have any recommendations for travel insurance companies that they have used.  Make sure you take a copy of your policy with you, and make sure you know how to make contact with the insurance company if you need to.