Welcome to the 'club that no-one wants to join', @Debby - check this post out, for lots of info on the blog & how it may help you xx. take care
https://onlinenetwork.bcna.org.au/discussion/23477/a-big-welcome-to-all-our-new-members#latestI used Covermore when my husband & I travelled to the UK in 2016 (hubby had had major stomach cancer surgery in 2010) and nothing untoward happened, so didn't have to claim for anything.
Shortly after my surgery in 2018, I used them again for travel to Norfolk Island .... a few others added bits about their experiences as well ....
https://onlinenetwork.bcna.org.au/discussion/19005/travel-insuranceAll the best xx