If you have health problems and having trouble getting holiday insurance I saw this in the Daily Telegraph

A couple both over 70 and have cardiac and diabetes problems have bought annual insurance through Preferential Insurance, Westcliff-on-Sea, Essex for their six month stay in Florida for only £271. If they need to claim on either of the pre-disclosed problems, they would pay a £500 excess. The total amount of medical cover is £10 million.

I have no connection with the above company, I just read it in the paper!