One in nine insurers will not cover new annual travel insurance customers who are 80 or older, while one out of four will not insure people over 65.
For single-trip policies - 86% had an upper age limit and only 29% covered people in their eighties.
Even if you can get cover, premiums can triple overnight. Take out an annual worldwide policy on the eve of your 66th birthday and pay £58.72. Take out the same policy the next day and it costs £205.51.
Which? found that the best deals available for older travellers are online.
Which? is working with the industry on Government proposals that will force insurers to justify higher premiums with evidence, rather than assuming that older people are more likely to have an accident or fall ill abroad.
Richard Lloyd of Which? says, “It is absurd that you could wake up one morning and suddenly be three times more expensive to insure. Older travellers are finding it increasingly difficult to get cover or are priced out of travelling altogether. Insurers should take a more common sense approach and look at factors other than age when setting premiums.”