We went with Medibank for our trip to Hawaii coming up in 4 sleeps, we found wording in other polices very restrictive, such as no cover if the country you travel to was a “do not travel” at time of booking, not time of travel…. Well, every country was do not travel when we booked, it’s how we got such a good deal… but Medibank says at time of travel.
The Covid accomodation in current class/room and airline rebooking in same class, with no limits was key for us, as we are staying at Four Seasons and flying J.
USA policies will always be more expensive, due to healthcare costs there that are hyperinflated to offset the write offs of the care they provide and don’t get reimbursed or are reimbursed at shockingly low rates (USA Medicare reimbursement).
We also picked no excess, then we have no hesitation to use the policy.