Trying to get annual travel insurance & companies either will not insure us with existing problems or the cost is excessive. Does anyone know of a company who will insure but exempt themselves from some medical conditions. Also don't need or want cover for delays, loss of luggage, etc only think we will need it if involved in an accident, non of the illnesses require ongoing hospital treatment just regular medication otherwise we are fit and able. Both in our 60's and would like to go away for more than 30 days each trip.