I would recommend travel medical insurance coverage at any age! The trip insurance covering cancellation, delays and lost luggage etc., IMHO, is not as critical. Last November I organized a trip to Thailand, Myanmar and Cambodia for a couple of friends. In the third week of the trip, while in Siem Reap, Cambodia one of my friends fell and broke her left wrist. We immediately went to the Emergency Room at the International Hospital (very modern facility with English-speaking doctor and nurses) where x-rays were taken, temporary splint and sling were applied, and pain killers were prescribed. In the meanwhile her husband was on the phone with the medical insurance office back in the U.S. After considering sending my friend to Bangkok for surgery, the insurance company agreed to fly my friend and her husband back to their home in Portland, Oregon for surgery. This decision by the insurance compamy was made 6.5 hours after the fall and it booked plane tickets for my friends to Oregon (via Hong Kong and Vancouver) to depart within 13 hours. In the end the insurance paid for the 2 plane tickets and all related costs. The insurance premium was just under $50/person for the trip. FYI, both of my friends are over 60 years of age. I travel frequently so I have an annual (365-day) policy with this same company (medical, evacuation and reparation only) for $125 U.S. I don't remember if the premium is age dependent (I am 72.) This policy is effective for any trip more than 100 miles from home. So far this year this policy has covered my Camino Portugues in April (my 4th camino in 5 years) and my current travels in China. The company I use is Allianz.