Shop for a policy that suits you. Everyone should insure for medical, hospital and medical evacuation. Ask for coverage for pre-existing conditions. Coverage for loss of deposits, tickets, baggage and money is sensible. Get coverage for what you do.
Some policies exclude risky sports.
Australians receive necessary care immediately in the public health systems of these countries, with slight differences from country to country. Their citizens get a similar deal here. You still need travel insurance for things such as medical evacuation, for the trip to and from these countries and the time spent in them. Take plenty of the feminine hygiene products you use. Plan to avoid dehydration, a cause of painful infections.