First the easy one, never purchase insurance through a travel provider. It's easy ... and buying insurance is hard work, so many people just take the easy way out and live to regret it. I have full coverage with my credit card, but during the virus disaster I was concerned about all those credits out there. Corporate insolvency was a possibility. I contacted a travel insurance broker and bought coverage for all the cruises we had booked. It was necessary to use up my credits so I had something to cover first, of course. We're cruising Quebec-Boston in September ... for the 'fourth time'. This year I think it's a go. Every time a cruise got cancelled, I just moved the insurance coverage to the new trip. I used a broker in Omaha, but the agent bordered on incompetent. It was like pulling teeth to get him to do anything and I'm glad I no longer feel the need for insolvency coverage.
Lots of people use online brokers, so perhaps there will be some advice coming up for you. I would also urge you to purchase an annual emergency medical evacuation policy. I've had one for years, don't know if I'm allowed to recommend the company here on CC. We had a chance to use it six years ago when my husband broke his hip in Paris, and they literally saved the day. I don't scare easily, but that was a terrifying experience. You're wise to get going on this now ... I always advise everyone to insure any non-ref cash spent on travel. It's the only way you can emerge financially unscathed if something awful happens.