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
 
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