It is highly recommended when cruising or foreign travel. Age does no matter. Accidents and illness can happen to anyone at anytime. Worth it for peace of mind.
During one of our cruises, my friend’s dad had an accident on the ship (we were a large group). Had to be evacuated. He never came back home (long and sad story) - but there are so many other stories out there. Leaving the country (not cruising) also needed.
Compare policies and see what you are comfortable with. We went to Italy in 2023. I was not too concerned about late flights/losing money with flight, luggage or B&B/Hotel. I wanted it for medical. I called and insured us heavy on medical but not so much on everything else. Did not even know that was an option until I called.
Good luck!
