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Travellers without travel insurance are personally liable for covering any medical and associated costs they incur.

Australians have faced financial hardship to cover costs when things go wrong.

You should also check you're covered for your pre-existing medical conditions and any additional activities you plan to undertake, such as skiing or hiring a motorcycle.

Accidents can happen to anyone, including on short trips to familiar locations.

Each year more than 1,000 Australians die overseas.

It can cost over AUD20,000 to bring the remains of loved ones home – so make sure your travel insurance covers this before you go.

However, cover varies from policy to policy so check the fine print.

Make sure you confirm all details with your insurance provider and receive written confirmation of your policy.

Find out early which visas you need by contacting the relevant foreign mission (embassy, high commission or consulate) of the countries you intend to visit.Some destinations have specific entry and exit requirements, including compulsory vaccinations.Remember to check the visa requirements of the destinations you might be transiting.Our aim is to help you determine the level of risk you may face, so that you can make informed decisions about where and when to travel overseas. Subscribe to Smartraveller to receive free email notifications when the information for your destinations changes.You can: You can access more travel information through guide books or travel websites.

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