Older people face huge increases in the cost of travel insurance but they are claiming less, says Which?.
According to research by Which?, the average annual worldwide policy for a healthy 65-year-old traveller costs £126.26. Those aged 75 pay £306.64 and travellers aged 85 pay £611.63.
The consumer organisation said the cost of cover increased "massively as the consumer gets older" but their risk and cost of claims fell.
Citing data from the Association of British Insurers, Which? said claims from holidaymakers aged 66 to 70 cost insurers on average £60. For those aged 76 to 80, the average cost of claim was £57.
The research also found the frequency of claims dropped after the age of 65 as 7.2% of those between 61 and 65 claimed when they travelled, but for those aged 76 to 80 only 5.6% did.
Which? said travel insurance for older people could be more expensive than the holiday itself. Its research found a single trip policy to the United Arab Emirates for a healthy 75-year-old from Age UK cost £413.66 but a three-night weekend break in Dubai booked through Lastminute.com cost only £405.38.
Finding cover is also harder as holidaymakers get older, according to the research. Four out of 20 insurers checked would provide annual worldwide policies for those aged over 80, while 11 insurers would offer single-trip cover to those aged over 80.