My husband and I from UK used Brokersure. Annual multi trip policy max 90 days per trip, world wide excluding USA.
I have health issues high blood pressure, asthma so these were noted on our policy. We are both over 60 premium was £723, shop around as we were quoted £1,300 with another company.
Thank you everyone for your comments I feel a little more reassured. Seems it can all depend on the IO and my husband and I are not breaking any written down rules.