What are common mistakes to avoid when buying travel insurance?

What are common mistakes to avoid when buying travel insurance includes several errors that can lead to uncovered claims and wasted money. Common mistakes to avoid when buying travel insurance, which is insurance covering trip cancellation, medical emergencies, baggage, and other travel risks, offered by insurers like Allianz Travel, World Nomads, IMG Global, and others, include buying cheapest plan without checking coverage limits, which may have low medical limit like 10,000 dollars insufficient for US hospital costs around 10,000 per day, and not disclosing pre existing conditions like diabetes or heart disease, leading to claim denial for related issues, and not reading policy exclusions including adventure activities like skiing or scuba not covered without add on, and buying travel insurance too late after trip started, as most policies require purchase before departure and within 14 to 21 days of initial trip deposit for pre existing condition waiver and cancel for any reason, and not checking destination coverage, especially for countries like US where medical costs high and you need at least 100,000 medical coverage, and assuming credit card travel insurance covers everything, as credit card coverage often has low limits and exclusions for pre existing and adventure, and not keeping receipts and documentation for claims, leading to denial for baggage and medical claims, and buying duplicate coverage you already have via health insurance or home insurance. So common mistakes to avoid include buying cheapest without adequate medical limit, not disclosing pre existing conditions, not checking exclusions for activities, buying too late for pre existing waiver, and relying on credit card coverage with low limits, leading to uncovered claims.