I think you're right.  We've ended up with an 'Essential' (AXA) policy.  Seems just as good.  Thanks for your responses.

Thanks BigFC.  We simply want a worldwide annual policy. Their own website doesn't seem to like us either!

Insurefor.com say "All policies cover persons up to 79 years of age" but when I input a quote request (for ages 63/65), their policies are not shown.  Anyone know why?