I've been in Europe for a couple of years now, but recently I had to fly to Cape Town for a month. It turned out that there is a separate insurance for people like me at https://www.globelink.eu/aussies-kiwis-saffas.html. The policy covered everything I needed, including repatriation and trip cancellation, which was important to me. No extra paperwork or residency requirements, everything online. Has anyone tried to get an annual policy from them, how much better is it than one-time ones?