My husband is over 80 and both of us have pre existing medical conditions we need covering.
After exhaustive research I decided on Allianz both for cost and ease of their web site with regard to getting cover for our pre existing.
I have had many policies with them over the years and have had to claim twice for cancellation costs due to medical reasons. Once in 2020 and then again in 2022. Both were for luxury cruising so costs were not insignificant. Both times , with all the correct information they required entered online on their web site which was very user friendly, they paid us the full amount claimed less the copayment.
You never know how good your insurance is until you have to claim. From my experience with Allianz I wouldn’t insure with anyone else even if it was a little more expensive. And they will cover all our pre-existing medical conditions which some other companies won’t.
I hope this is helpful to Aussie cruisers.