Insurance options for the over-65s

Now that my other half is 'the wrong side' of 70 travel insurance is likely to become more problematical.  I heard recently of a 93 year old who's given up on her cruises as the cost of travel insurance is higher than the cruise itself!  The insurance companies don't seem to take any account of the health of the person concerned, just his or her age, which doesn't seem to happen with other insurances.  So here are a few sites which cater for the older traveller:

• All clear insurance (http://www.allcleartravel.co.uk/cgi-bin/lansaweb?procfun+msdweb01+msdw009+alc+eng) offers cover to all ages.
• Avanti Travel Insurance (https://www.avantitravelinsurance.co.uk/default.aspx) covers those aged up to 85 (up to 75 for annual policies).
• Flexicover (http://www.flexicover.co.uk/) has an age limit of 85 on single-trip and annual multi-trip insurance policies.
• AgeUK (http://www.ageuk.org.uk/) offers all types of single-trip and annual policies, with no upper age limit.
• Holidaysafe Club 65 policy (http://www.holidaysafe.co.uk/) has a maximum age for single trips of 84 (74 for its annual policy).  No upper limit on cruise policies.
• Insurancewith (http://insurancewith.com/)offers standard policies up to age 85, but there is no age limit on its cruise policy.
• JD Travel Insurance (http://www.jdtravelinsurance.co.uk/) has no age limit for single trips or annual cover.
• P J Hayman (http://www.freespirittravelinsurance.com/) imposes no upper age limit: you can apply online up to the age of 79; if you are older you need to telephone.
• Preferential (http://www.columbusdirect.com/travel-insurance/preferential) offers single-trip cover up to 80 and annual up to 75, although some age limits depend on destination and duration of trip. (Perhaps now called Columbus?)
• Saga (http://www.saga.co.uk/) offers premiums that are quoted on an individual basis, depending on health, age, holiday destination and other factors.
• Staysure (http://www.staysure.co.uk/travel-insurance?gclid=COKfiqbUi7oCFePHtAodQy4APg) sells a single-trip policy up to 85 years, annual up to 80 years.
• World First (http://www.worldfirst.com/?ID=1046&gclid=CMD35LbUi7oCFY7LtAodO1QAHQ) covers those aged up to 100 for a single trip, but only up to age 74 for annual cover.

From an article in The Telegraph