I don't travel a great deal, but I got annual insurance through Direct Line last year for the whole family. About £130 IIRC, includes US but excludes extreme sports!
I'll admit I've never read the blurb thoroughly to see what I'm covered for, but I have claimed on car and house insurances though DL and they are very easy to deal with. And the package holiday company wanted over £60 for three of us for two weeks last year...