We seem to do things differently in the UK, we always use third party insurance, and Diane gets her annual policy free till she is 79 through our bank.

A pre-condition is high blood pressure which I suffer from, even though it’s under control. Any illness could be associated to high blood pressure, so I obtain my own annual travel insurance.

I believe over 70’s are not accepted, as I was 69 so will be interested in December to see what happens. My annual insurance, which has a premium on to cover the high health costs in USA is £120 approx $180 a year. My broker informs me he can get it just as cheap with other companies if they refuse to insure me because of age.