I’ve got a dilemma re travel insurance. I’m nearly 70 years old and will be traveling January-March, Thailand and Laos. I am in good health, no pre existing health conditions. I have researched and I am being quoted £450 up. The supposedly better ones at around £800 and above. When reading reviews, they seem to be more focused on the price of the actual cover,rather than any claims. It seems the majority of people have difficulties when trying to claim. So many exclusions and ways that the company will try and get out of paying. I am seriously considering not bothering and taking the chance. Am I crazy or what?