I have purchased travel insurance with Southern Cross for our next trip, but am still covered by the cooling off period for another day, so need to make up my mind quickly. Since buying the policy I have booked 2 lots of the Garuda cheapie fares, so am looking at moving to an annual multi-trip policy. When I read the fine print of the SCTI policy I learned that it only covers me for the international components of my trip, not the transfers within Australia at the start and end. Given that I live in a city without an international airport, this is a pretty big issue for me. For most of my trips I fly out of home the day before, overnight in Sydney or Melbourne, then join my international flight.
Can anyone recommend a good annual multi-trip policy that will cover me from when I walk out the front door at home, to when I arrive back at home? I usually just buy all tickets with Platinum Amex and their insurance covers me, but Garuda and Jetstar Asia would only accept Mastercard/ Visa online.