My wife and I have an upcoming trip to South Africa in October. We have Blue Cross Blue Shield health insurance but presently no other travel insurance. We travel a lot during the course of the year (wife will have 125,000 miles + on Delta and I'll have 115,000 miles). We average at least one trip per month. Anyway, based on our frequent travel, the health of my wife's parents, etc. would you suggest buying annual travel insurance or individual trip, or continue doing without like we've done for the past many years. Also, any companies we should look at if we were to purchase?