I too was with Lloyds and ran into this problem. However I have recently been advised by friends that the Nationwide flexplus account also gives such insurance, for which there is a one off extra fee if you are over 70, and you can also buy more than 30 days cover for another surcharge . Note I haven't tried them yet, but will look at it when my current annual travel insurance runs out.
Anybody using them who could give a comment.