Travel Insurance Claims Mistakes First-Time Travelers Make

I’m researching a story about mistakes first-time travelers make when they file an insurance claim. What are the most common claims errors? How do you ensure they are not made (or repeated)? I’d love to hear from experts. Please read this before answering: I’d be very grateful if you could send an initial response to my questions by email. Please do not respond with a note that says you would like to be considered for this story or want to set up a phone interview with a source. I’m happy to consider you for this story. I’ve included all of my questions in this query. Please take a minute to briefly answer them. If a phone interview is necessary, I will follow up right away. This is for a popular geography publication.