Should I carry my original passport every day?

Only if legally required by the country you are visiting. In most cases, a color copy is sufficient for daily carry, while the original stays locked in a hotel safe.

What if I have no money left to pay for the replacement?

Contact your family back home to wire funds through services like Western Union or MoneyGram, which have locations globally.

What to do when your passport and wallet are stolen abroad

Immediately contact your local police to file a report, then reach out to your nearest embassy or consulate to begin the emergency passport process. Cancel your credit cards via your mobile banking app before doing anything else to prevent further financial loss.

Secure your finances. Log into your banking app or website immediately to freeze or cancel all credit and debit cards. Do this before you even head to the police station. If you don't have internet access, call your bank's international collect-call number listed on the back of your card (keep this number saved in your email).
File a police report. Go to the nearest local police station and file a 'Loss or Theft Report'. You need this document for both your insurance claim and to prove to the embassy that your passport was stolen. Get a physical copy with a stamp; a digital photo is not enough.
Contact your embassy. Locate the nearest embassy or consulate of your home country. Call them to schedule an emergency appointment. You will need the police report, two passport-sized photos, and any secondary identification you might have (like a driver's license or a digital scan of your passport).
Request an emergency travel document. Explain your travel timeline to the consular officer. They can often issue an Emergency Passport, which is valid for a limited time and designed specifically to get you home or to your next destination.
Initiate insurance claims. Email your travel insurance provider as soon as you have the police report. Ask exactly what documentation they need for reimbursement of stolen cash or emergency expenses. Keep every single receipt for food, lodging, or transport incurred due to the theft.

Should I carry my original passport every day?: Only if legally required by the country you are visiting. In most cases, a color copy is sufficient for daily carry, while the original stays locked in a hotel safe.
What if I have no money left to pay for the replacement?: Contact your family back home to wire funds through services like Western Union or MoneyGram, which have locations globally.