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It's always advisable to make sure that you are insured for loss, theft and illness. Bank and credit cards (particularly American Express) often have certain levels of medical or other insurance included, especially if you use them to pay for your trip. It can be quite comprehensive, anticipating anything from lost or stolen baggage, missed connections, to charter companies going bankrupt, etc. However, certain policies (notably in North America) only cover medical costs. Note also that very few insurers will arrange on-the-spot payments in the event of a major expense or loss. You will usually be reimbursed only after arriving home. In all case of loss or theft of goods, you will have to contact the local police to have a report made out so that your insurer can process the claim.