You should check on what the insurance excludes. I flew back to the US from the UK twice in 2021. I opted not to get regular travel insurance because all the policies excluded anything that was remotely likely to happen (border closures, Covid, anything related to pandemic or public health measures, etc.).
However, I purchased travel health insurance that specifically included Covid. You may not need that, depending on what your regular health insurance covers when you're away, but since I rely on the National Health Service in the UK, I need separate insurance for the US. Check the small print on your existing health insurance and also on the credit card you used to purchase the ticket, if you used one. Often credit cards will have some travel insurance benefits built in, but there are probably a lot of conditions and exclusions.