Thank you everyone! I talked to Insure My Trip today and the lady was knowledgeable, but not the nicest honestly (poor customer service skills). She said that if anyone in our party had been tested for COVID over the past 90 days - regardless of the outcome - they would deny any claim related to COVID. I was tested due to a sinus infection 3 weeks back and was negative, but she was adamant that this ruled me out. I then called AXA and they said that as long as a doctor says you can’t travel, you are covered. We are going to buy the Gold plan with AXA ($730 for 4). The Insure My Trip policy was $620, but the policy definition seems ridiculous for those who have tested over the last 90 days for any reason - including required testing for previous trips.