Travel Insurance for 84 year old

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My Father In Law has been buying Travel Insurance for individual trips which appear to be very expensive. He has about 3 - 4 trips a year, in Europe.
He is a fit and healthy 84 year old.
Is he better purchasing an annual policy and is he better to work through a broker?
He is a fit and healthy 84 year old.
Is he better purchasing an annual policy and is he better to work through a broker?
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