I travel back to Europe regularly as most of my family is there. Now that my parents & in-laws are getting older, I need to cater for the scenario that we may have a trip booked that needs to be changed last minute. Both my Nab and Amex complimentary credit card travel insurance policies do not cater for loss/sickness of family who don't reside in Australia. AIG's wording is similar. Any recommendations on travel insurance that does allow you to cancel/change your pre-booked flights in case something bad happens to relatives outside Australia?
Try this, OP: https://www.comparetravelinsurance.com.au/annual-travel-insu…
Travel insurance not by trip, but for the whole year. Some have features you are looking for. Hope this helped!