I have had a JL worldwide travel insurance policy for many years. The one time I needed to claim, they were excellent: prompt, unbureaucratic and fair. Recently, the policy came up for renewal, and I duly picked up the phone. Much to my surprise, I was told they could no longer cover me for winter sports, as I am 65. This is not just scandalous ageism (in resorts like Aspen, skiers don't even qualify for senior lift pass reduction until over 70) but totally illogical from the business point of view. They will ensure a 20 year-old who has never skied before, rents some equipment and bombs down the mountain, no problem . But as a healthy 65 year-old who learned the sport properly, has been skiing for 58 years, never had an accident or injury, knows her ability and skis prudently, I am considered too great a risk?! For a moment I considered taking out the world-wide policy anyway and ensuring winter sports separately, but on principle, I will take all my business elsewhere.