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travel insurance - annual, multi-stop?

Hi there,

I'm having trouble finding a travel insurance policy to suit me. I want an annual policy that covers me worldwide, but including multiple stops within each trip. e.g., I want to be able to fly to NZ for a month, but during that month, I'll be taking several internal flights and I want those to be covered - mostly in case of baggage loss/damage.

I've tried searching the forums, and it's been suggested that backpacker-type insurance would cover this - but these types of policy seem to ask how long your trip (singular) will be.... and as I'm not a backpacker, this isn't appropriate!

Can anyone recommend something?

thanks in advance,
Achan
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