Webjet Annual Insurance Offer

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I took this out for one year. It also covers your dependents, so its a good offer.

However recently I took out this annual multi-trip policy Frequent and Annual Travel Insurance from Travel Insurance Australia which cost me $280.73 and has higher benefit limits than the Webjet policy.
 
The more I read these stories about the cost of TI the more I appreciate the value of the $900 paid for the Amex Platinum Card.
 
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