Ladies! Ladies!
It's fun seeing you real men (sic) trying to scratch each others eyes out.
The answer to the OP's question is that no self-respecting LGBT+ person would give a hoot what these people think. They're of no consequence.
Yeah, you have to be careful with CC Travel Insurance. Read the fine print: it may only cover you when you are actually travelling, not while your staying at your destination
I wouldn't worry about it. These days they've got the Tiktok warriors telling them all about it and what you can get cheap in 7/11. Different world these days.