Hello all, happy new year!

I have a question about travel/Covid insurance: is the only requirement for it to cover $50.000?

I have Allianz Assistance (UK) travel insurance, which covers me for £5 million for medical expsenses; the wording includes "necessary and unforeseen emergency expenses if you die, are injured, have an accident or are taken ill during your trip (including being diagnosed with an epidemic or pandemic disease such as COVID-19 as well as being subject to compulsory quarantine on the orders of a treating doctor)".

Am I OK with this or should I look into the AXA one?

Thanks in advance :)