Strange, is not it - something is not in travel category when it has word 'travel' in it... So, it means that all bookings at hotels should be done directly? Not a wise option considering that I've seen prices directly at hotel websites which were 2x more than offered by OTAs...

Which OTAs' mobile app support Apple/Samsung/Google Pay? Agoda is one of such and if I remember, Expedia offers as Apple Pay as well. Also related question - is AirBnB 'travel' or not?

As the second part of the question - if booked via OTA, will I be covered by Trip Cancellation and Trip Interruption coverage?