Which yearly travel insurance policy do the readers like/use/prefer?

Which yearly travel insurance policy do the readers like/use/prefer? Both my girlfriend and I travel a lot for business and also pleasure. Thanks in advance.

I use Cover-More insurance, you can buy an anual policy on-line.. I have coverage on my Amex Plat card, but I like the safety of an extra insurer incase of emergancies in medically expensive Countries.

I use Travel Insurance Direct which I believe is underwritten by Lloyds

If anyone has a comment on TID (good or bad) I'd like to hear.

I've used Cover-More's annual policies for years and never had a problem (including making claims). They've got a 24 hour emergency assistance line if you get into to trouble and the policy inclusions/exclusions are easy to understand.

I am interested in this topic too. I also had a look into this on various websites of insurance. I find additional insurance quite expensive, some are just for a trip, some for a year.

Wouldnt it be worth to just get a credit card with same features. Ok, you pay an annual fee but coverage is comparable, isnt it? And then in teh end cheaper? Or do i miss a thing here?

If you're leaning towards a c/ c cover, definately look at Amex plat , the insurance is through Ace Insurance, who are on the ball, added benefits are 1 free flight with VA to any Aus or N.Z. City per year, and 1.5 points per $ spend on the card. The free flight covers the annual fee.

What if your employer is paying for the business trip (in other words the trip has not been paid on your own personal credit card e.g. platinum Amex) instead of yourself? I imagine you may possibly not be covered. Therefore a seperate insurance policy independent of whose paying (or what the payment tender is) for the trip could be the safer option?

It's worth looking into the ANZ Frequent Flyer Black card. Free cover for trips over $250 per person paid on the card. A trip constitutes prepaid travel so prebooking a hotel stay for more than $250 counts. Better than any other cards I have found and if you travel regularly. Fee free for first year - see here http://www.anz.com.au/personal/credit-cards/black/anz-frequentflyer/

I was previously using the Commbank diamond which also gives free insurance, but have been caught out uninsured on a few recent trips as the $1000 spend on prepaid travel is difficult using economy tickets to close countries like NZ and when hotel etc is not pre-paid . Pays to read the fine print with all the premium cards...

We have had personal annual compreshensive world-wide travel insurance for a number of years, thru RACWA, reasonably priced around $550.  Great cover, and includes all the usual things including $4500 motor vehicle excess cover. Mt wife does most of the travel, and we had to confirm coverage in places such as Iran a few years ago, as well as Tanzania and Kenya in Africa. We did have one shock when we had our first renewal notice, which had a new clause added saying 'you are now both covered even if travelling separately'.  We had assumed that both of us were covered whether travelling alone or together, so check the policy if joint travel applies to you.