We have our annual travel insurance through our Nationwide FlexPlus bank account, which we opened for this purpose.
We pay £13 a month which includes annual worldwide travel insurance, car recovery service and mobile phone insurance.
For the health insurance if you have any medical conditions or medications you have to ring and discuss this with them.
They charge a supplement for my husband's medication (blood pressure and cholesterol) of £56 for the year but not for mine (asthma).
The cruise "add on" last year was £40, we were away for a week.
We're both under 70 still and I know they charge an extra premium then.
Might be worth a look?
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