fliion,
I have been with Columbus direct, multi trip, yearly worldwide travel insurance for a few years. About $us350 for 2 adults and 3 kids (google Columbus discount codes for better deal). Seems to cover most stuff. I have also taken Car hire insurance for $50 a year that covers all insurance for any hire car taken worldwide Google will find lots of these. Makes car hire much cheaper when no dealer insurance is needed.
the Don