Unless you're planning on being on top of Toubkal in the High Atlas, I don't think you'll require specialist insurance, even then, I 've never met anyone on my trekking in the High Atlas who had anything other than the usual bog standard cover.
If you're starting from Imlil or Arund, it's a very steady, simlpe mule path up to the French Climbing Hostel. Take asprin and eat raw garlic to help with the altitude before you go and you'll have no problems. Never met anyone on the mountain who'd suffered from any altitude sickness up there.
You don't need guides or mules, just a decent pair of boots. It mighht still be deep snow on the final 2hrs up to the hostel and once there you can make a call about the summit walk as if it's very deep in snow, I'd not bother! YOu'll be able to chat with the guides at the hostel about this and employ one of them if you feel you need to.
Hope this helps. Email me if you need more info.
Have fun!