It might be of interest. We take out annual travel insurance if we can. As an ex-employee of BA I used to take out Marcus Hearns FlySure for airline employees. But then they changed call centres and I found the Q&A process about possibly health risks to be very intrusive, even to the extent that I had to divulge the medical conditions and risks of my travel partners to some jumped up unqualified school kid reading from a script - who demanded to know information I was not even morally entitled to know myself.
However after a bit of searching we found that STA offered a good travel insurance. OK - they are mainly for youngsters on gap years, but having taken early retirement we were on an almost permanent gap year!! Their annual policy was good value up to the age of 65. And they had none of the nonsense of Marcus Hearne.
Now after 65 we found that premiums rocketed. SAGA were useless and VERY expensive.
Then we heard about the new Marks & Spencer travel insurance deal. We joined because it seemed a good deal, we'll see what happens if we have to make a claim. But the staff at the local M&S store were so helpful, they won over our remaining doubts.
I wonder what other's experiences and recommendations are here?