Travel insurance for those with family overseas

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?

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