I'm having a hard time finding a travel insurance for my parents-in-law. They are from The Philippines and they will be visiting us 5 months in UK and 1 month in Schengen area.
I found two travel insurance from Filipino banks. HSBC (which requires their credit card) and BDO. HSBC is discarded because of the process of requesting a credit card, BDO is our option at the moment, although where not yet confirmed, and we want to have a backup option.
Anything I found in Google is either very expensive or just for UK Residents.
EDIT: Looking at @toy's answer I can see the annual trip cover multiple trips in 1 year (up to 1 month per trip).
My question now is. If We are in UK and we take a ferry to Spain, does it count as a new trip? When we are back in UK, and then for example we go to Germany, does it count as another trip? How do they define "trip"? Do you have to go back to origin (Philippines in this case) to count as a new trip?