I get mine thrown in for free and no paperwork when I purchase my ticket or make purchases while away with my black Mastercard (there is same for black Visa).

I get mine thrown in for free and no paperwork when I purchase my ticket or make purchases while away with my black Mastercard (there is same for black Visa). Coverage includes my spouse/children and has really good terms including no excess on theft. Reviews of the insurance rate it as good as or better than most independent paid for policies. Claims are through one of the big insurance companies in Australia. It also gives me free lounge access with Priority Pass and a concierge service to buy assorted tickets for entertainment and travel. Annual card fees are currently $AUD495 dollars, but I get one card fee waived against my house mortgage by my bank, so it is basically free. I am thinking this arrangement would be hard to beat. I am in Australia and not affiliated with any insurance company or Mastercard/Visa.