Q: A friend and her husband recently returned from an overseas flight with severe colds and infected sores. He had to spend time in the hospital. How can we vulnerable senior travelers avoid these problems? CPL, Cleveland OH

A: In two words: It happens. Crowded airports and passenger areas on planes are constantly full of people of all ages and backgrounds. Many bring colds and other problems. The only way to at least try to avoid infection is to practice personal cleanliness.

Q: My travel agent is always trying to sell me trip insurance. I’ve never had any emergencies or other troubles, so why should I shell out an extra $50 or $100 that just seems to be overlapping coverage? ALMcN, Boston MA

A: Congratulations, lucky senior wanderer, on making it this far without troubles. However, we had a recent situation that proves the need for extra coverage. Booked non-stop from Los Angeles-Fort Lauderdale to board a cruise. Arriving at LAX, we were told our flight would be delayed for at least four hours because of heavy fog over Florida coastal cities.

Q: Mems is nearly 15 years old, and except for needing daily meds, he’s in good health. However, recently, whenever I’m away from the house for even for one night, he refuses to eat until he sees me again.

Soon I need to spend a week with family in a city 500 miles away, and want to take Mems with me. I’d never put him in baggage, but I understand some kind of carrier is required if he rides in my airline seat. What are the rules and costs? Marge K, Harrisburg PA

Q: My company recently gave me a birthday present when I hit age 57: a layoff notice. My spouse and I have already booked a cruise for next month, but I’m worried about getting a new job. Should I cancel the cruise? TLR, Buffalo NY