Choosing the right travel insurance involves prioritizing emergency medical and evacuation coverage limits first (ensuring at least $100,000 to $250,000 in medical protection for international trips), followed by trip cancellation percentages that match your non-refundable deposits. You should also evaluate pre-existing medical condition look-back waiver windows (typically buying within 14–21 days of initial deposit) and verify whether your planned activities (like adventure sports) require special policy endorsements.
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