Travel insurance for +65, 'medical conditions'

Check out AHM ( underwritten by Zurich) After looking at many TI and reading many T&C in the PDF , they were the cheapest annual TI….80 and 85 year old. Many pre existing medical , 45 days , unlimited cancellation. Have several cruises one costing more than $80,000.

So for an annual multi trip, it just asks you to choose ONE country (or region) where you'll spend most time? Is that correct? And then when you select a time span of a year, it considers that ONE trip?
 
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