This may be academic, but we do hope to get back to 2-3 trips per year.
We have used World Nomads several times. We make a claim one time (emergency surgery) and everything was covered except their $200 fee (expected and fine).
We recently found out about Allianz, who apparently sells Yearly policies and this sounds interesting and potentially a money saver (if we can ever travel again). https://www.allianztravelinsurance.com/
What travel insurance have you used? Cost? If you had to file a claim did it work out?
Thanks!!!