Travel Insurance for special trip

[YBR]

I am planning a family trip to Australia for 4 weeks and struggling with insurance.
Wise mumsnetters:
Where do you buy insurance for this kind of thing?
Just the cost of flights is likely to be greater than the cancellation insurance limits for comparison websites. I need an adviser but don't know how to find one.
When do you buy insurance? as soon as I book the first thing? or even before that?
Would you do annual or single trip for this sort of thing?

You should buy insurance as soon as the trip is booked. One kid with chickenpox , one broken leg and goodbye lots of money without ever seeing the airport. So get on it.

Annual policies usually have limits on each trip . may be cheaper than single trip but check. Ref Stephanie inglis who had to be crowd funded home, £300k or so.

Surprised you are finding the limits too low - try Columbus, direct travel, direct line and many others.

I tried Direct line and Direct travel and the top limits are £7000. That's what I expect flights alone to cost. There's car hire, accommodation, food, excursions and so on on top of that.

If you go onto the provider page, eg American Express, they will do different levels. I have their gold cover as baggage limits, cancellation cost per person (that's how the cancellation limit tends to be worked out) etc etc need to be greater than the headline grabbing offers used on comparison websites.

£7k is usually per person, not total trip. You'd be hard pressed to find a high end holiday with costs that low.