Aviva

Aviva's annual multi-trip policies cover ages 16 to 79, accepting a wider age range than some competitors. Each trip runs up to 31 days as standard, which suits most annual travelers; if you're planning something longer, you can extend individual trips to 90 days by paying a little extra. Medical, baggage, cancellation, and delay cover come included, with prices adjusted based on where you're traveling.

This fits mainstream travelers who want insurance from a household-name provider backed by a company that's been around for centuries. The 31-day default handles standard holidays well, while the 90-day option means you're not completely locked out if you fancy a longer adventure one year. Aviva's breadth of age coverage also means you can renew the same policy as you get older, rather than hunting for a new provider when you turn 70 or 75.