First used them last year & was pleased with the service. Accordingly, I decided to use them again this year, which I now have. Some time back, having decided to book two overseas holidays this year, & having received emails from them offering reduced rates on annual cover, I emailed to ask them if annual would be better for me than two individual policies. The reply I got was that as I was over 70 years old they could not provide annual cover. Mistakenly, I assumed that this was a standard restriction across the industry, so have taken out two individual policies. Talking to friends I've since found out that I am in no way too old to access annual cover policies, so I looked online to see what they might cost. I have now found that I could have taken out full multi-trip annual cover with each trip up to 31 days max, with a big name supplier, & for almost exactly the same cost overall as I've paid in total for my two individual 8 day policies. This leaves me somewhat disenchanted with TravelTime, so sadly I will not be using them next time. To rub salt in, they continue to regularly send me emails offering reductions on annual cover policies - particularly irksome given the circumstances...