Travel insurance and accident insurance
Before any of your travels abroad remember to get a travel insurance policy that will provide you with appropriate healthcare should any health complications occur, give you compensation for your lost luggage, help you with interpreting, provide expert legal advice, and cover any potential damages related to your stay. If you travel regularly, the year-round coverage might be advantageous for you.
If you spend most of your working time driving a company car, if you are an active sportsperson, or you just want to provide for your family should any unexpected event occur, get an accident insurance policy.