When academic and seasoned traveller and hiker, Bill Metcalf found that his travel insurance costs had doubled - just because he’d turned 70 - he wanted to know why. More than two years after commencing a legal dispute with his global travel insurance agent over age discrimination, he has celebrated at least a partial victory.  His story has lessons for all of us, as Dr Anne Ring explains in this first of a three-part article on the case.

Above: Bill Metcalf atop Mt. Kailash in remote, far western Tibet - a sacred site for four religions including Hinduism and Buddhism and billions of people.