Current best option for annual travel insurance

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Hi. Am about to leave for Japan in a few weeks - around 2 weeks then over a week in various Aus capitals. There is a chance I may go to Hawaii this year also (very unusual one os trip for me - let alone 2 in a year!) So have decided an annual multitrip this year may be the way to go - and also cover me for any further Aus trips I may do.
Seems to be a wide range of prices and very hard to compare. I see a lot here favour TID but quote I got was something like $473 compared to Insurance to Go for around $308 (Gold 30 days with discount). Anyone had any experience with ITG? Claims - what is not covered etc? Thanks
 
The Frequent Flyer Concierge team takes the hard work out of finding reward seat availability. Using their expert knowledge and specialised tools, they'll help you book a great trip that maximises the value for your points.

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