This isn't really a deal with a fixed price, but I'm trying to help out anyone who's navigating the travel insurance minefield to hopefully cut out a LOT of research time and get a decent price as well - the £88 is what I've just paid for my own policy, and it'll obviously vary hugely depending on individual requirements, but this was the price for our family of 4 worldwide with full 'travel disruption' cover, cancellation cover and unlimited medical expenses (other quotes for similar were £150ish).
I've tried to find info for the 'best' policy for people who don't just walk into Thomas Cook and book a package - speaking to friends and reading online boards, it seems that lots of people struggle to find a suitable policy. I came across Cigna after reading the small print and T&Cs on dozens of policies, and from what I've read (eyes and brain hurt much) this seems to be the most comprehensive and flexible policy with the fewest nasty exclusions. Cigna are also the provider for Sainsbury's Travel Insurance although getting a quote from Sainsbury's worked out dearer for us (try code T1774 if you're trying them for a price) I've read lots of articles about what to look for and MSE mention looking for scheduled airline failure and end-supplier failure, but it's really hard to find policies that include all of these (even with comparison sites), and when you do you find them, you need to then check the exclusions because so many of them have got so many 'catch you out' things in them that they're not worth having to begin with.
I'll link to the policy doc in the post below - please check the small print as I'm not saying it's going to be suitable for everyone, just that if you're looking for an annual policy that's got a reasonable selection of offerings for non-packaged holidays then it seems to be the best around that I can find, and also reasonably priced.
Main benefits that I found of this policy:
-Ability to reduce premium by selecting max trip duration to suit (24 days is enough for me as we'll never take more than 3 weeks holiday at a time)
-Ability to add pre-existing conditions online
-Cancellation cover option, with variable limits to suit
-Travel Disruption cover including airlines, hotels etc going bust or requiring evacuation (see the policy docs) if you're not package booked
-Variable baggage cover
-Much lower price than comparative policies elsewhere!
All comments/suggestions welcome - I don't claim to know everything (or much) about travel insurance, just trying to help others who are struggling to find decent policies.