Over 70? Check out our guide to the best travel insurance

To get the best travel insurance for seniors over 70 you need to know -

Your travel destination: if you are travelling outside of Europe you usually need worldwide cover.

How long you plan to be away: standard policies usually cover you for trips up to 31 days long. If you will be away for longer, you may need to look for specialist cover.

Your personal details: these include your medical history and any pre- existing illnesses.

Most over 70 travel insurance policies automatically include medical cover with their policies, but you need to decide exactly what other protection you need.

You may also want to add extra cover for some activities, including Golf, Winter sports and Extreme 

These added extras may make your policy more expensive but could offer valuable protection if you are planning to do any of these activities on your trip.

You should also decide if you want a single trip policy, that covers you for one trip away, or annual cover which lasts for 12 months and covers multiple trips overseas.

Travel insurance for over 70s costs more because older travellers are more likely to need to claim for things like medical bills.

Travel insurance is not a legal requirement, so no matter where you’re going and no matter what your condition you can choose to forego travel insurance if you wish.

It is usually a very wise investment, though, because most travel insurance policies are relatively cheap, while the cost of dealing with an issue overseas can be surprisingly expensive – particularly if the issue means you require emergency medical treatment.