When I arrived I showed them my initial hotel booking and was asked where I was staying the rest of the time. Be prepared with an answer, just in case.
AXA and Luma/Tune are popular. They have asymptomatic coverage, but their policies include the language “medically necessary treatment “ which pretty much means they can do what they want. 😅 So if you show no symptoms but are forced into the hospital, I’d say it’s a roll of the dice. You may be on the hook for the bill.