travel insurance has become a bit of a minefield. largely, i suspect, because it has always been an area where fraud has always been too easy to commit (i once had a claimant on his 27th appendectomy!).
premiums rise sharply with age and there is a continuing duty to disclose changes in circumstances, not just at renewal but throughout duration. ( i don't like this but it is a fact of life).
also, not all covers are equal: i've found one insurer insisting upon adjusting a claim on the 'policy plain language summary' where the actual policy document was more favourable to the claimant. (that cover came via a major bank/building society) Make sure that the insurer is a member of Association of British Insurers and do check that they have a 24hour emergency service.
you can save money by:
1. only including North America cover if you really need it
2. only including Worldwide if you really need it
3. Deleting baggage cover if your Household/All Risks insurance extends away from the home to the area you travel to.
I have moved my cover to LV because they dealt with a claim professionally but do shop around.