Unfortunately you are healthy and doing a good job of being responsible and trying to stay that way.
You need to
1 Drink excessively
2 Smoke 50 a day
3 Be chronically obese
And most important - NEVER visit a doctor
Then you get cheap travel insurance !
But the rest of us pay increased premiums.
And don’t get me into motor insurance after being hit by an uninsured driver who was never prosecuted !
So I will cancel the vehicle insurance, go on an eating and drinking binge with all the money I have saved and travel cheap.