If you're over 65 you are going to pay highly for you travel insurance. This article explains why, indicates the level of cost and tells you some of the aspects to look out for.
Travel Insurance - insurance for the over 65's
Author: Michael Challiner
For many, retirement is a time to relax and enjoy a slower pace of
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This is a result of increased wealth combined with a heightened sense of adventure. The historically low cost of travel also helps. Exotic destinations are no longer the preserve the newly weds.
Then a fly arrives in the ointment. Finding economical travel insurance when you're over 65 can be a real problem. Insurers are recognising that people have healthier lives and are living longer, and in many areas they are designing financial products for the older market. But when it comes to travel insurance, older people are still faced with very significant premiums. Prices start to spiral and it no longer becomes a matter of finding the cheapest price especially if you want to take an extended holiday or take several holidays each year.
The root of the problem is the insurers experience of claims for medical costs. The likelihood of the over 65's traveller claiming is significantly higher and so too is the size of the average medical claim. On the other hand, older travellers seem to take greater care of their luggage - but again the savings to the insurer are offset by the fact that their belongings are liable to be more valuable, so there are no significant savings here.