Insurance

Make sure that you and your fellow travellers are adequately covered for emergency medical care, repatriation etc. Services of this type are extremely expensive so read the limitations carefully before choosing a policy. Annual travel insurance can be better value than buying policies on a single-trip basis, particularly if you travel more than once a year. Most travel policies also cover loss of baggage, the consequences of delayed or missed departures and so on. Check whether your chosen mode of transport to the airport is covered. Some policies cover only journeys made by public transport.

Equipment carried by travel photographers may be damaged or lost at any time so insurance for photographic equipment is always advisable. Cameras may be dropped in the water, have drinks spilt on them, or be stolen in street scams. Despite experience, accidents still happen and there is always a new trick. The cost of adequate cover for valuable equipment can be substantial, but may be most reasonable when arranged as part of a domestic policy. Items of equipment purchased in foreign countries can be added to the policy by sending home a copy of the receipts and serial numbers.

Public liability insurance is increasingly worthwhile in the modern world. It covers accidental damage inflicted on others, and the consequential third-party claims. A final insurance consideration is that of your empty home. Think about domestic security for the period of your absence and check your home insurance to see how long you can be away without additional cover.