Travel insurance for seniors
If you are looking for senior travel insurance, OGSure gives you a clearer, more straightforward way to check your options before you travel.
How OGSure senior travel insurance works.
If you are looking for travel insurance for seniors, OGSure makes it easier to understand what is covered, how the product works, and whether it fits the trip you are planning.
Our cover is designed for the way people actually travel later in life, from cruises and city breaks to longer holidays and once-in-a-lifetime trips, with cover available up to age 84 on eligible single-trip policies.
Annual multi-trip cover is available for eligible travellers up to age 79.
Our senior travel insurance at a glance
If you want the quick version first, here are the main things to know about OGSure senior travel insurance before you get a quote.
- Single-trip cover: available up to age 84
- Annual cover: available up to age 79
- Trip length: up to 90 days per trip, or 60 days if you are over 75
- Includes: cancellation, medical expenses abroad, evacuation, baggage, delays, and cruise ship evacuation
- Important: you can still buy OGSure if you have a pre-existing medical condition, but claims arising directly or indirectly from a pre-existing condition are excluded
Want the full picture? Keep reading for more on annual cover, cruises, pre-existing medical conditions, destinations, and emergency support.
What does OGSure senior travel insurance cover?
Depending on your policy, OGSure can include cover for:
- cancellation and curtailment
- emergency medical and related expenses abroad
- evacuation and repatriation
- baggage, cash, and passport issues
- missed departure, travel delay, and abandonment
- personal accident
- public liability
- hijack
- catastrophe cover
- cruise ship evacuation
- optional winter sports cover, if added
This is travel insurance designed for sudden and unforeseen events during your trip. It is not the same as private medical insurance.
If you want the full list of benefits and limits, visit our What We Cover page.Single-trip and annual travel insurance for seniors
OGSure offers both single-trip and annual multi-trip cover.
Single-trip cover
Single-trip cover is designed for one continuous trip.
If you are planning a holiday, cruise, or longer trip and only need cover for that journey, this is often the simplest option.
Annual multi-trip cover
Annual cover is designed for people who travel more than once a year.
It can be a convenient option if you like having one policy in place rather than buying separate cover each time you travel.
Our annual multi-trip policies allow trips of up to 90 days, but for travellers over 75, the maximum trip length is 60 days.Cruise holidays, longer trips, and senior travel
Senior and family travel is not one thing.
Some people want a week in the sun. Others want a cruise, a longer stay, or a more ambitious holiday.
OGSure is designed to support that reality.
Our policy includes cruise ship evacuation cover, subject to the policy wording, and can also work well for longer trips where you want clearer cover and easier support if something goes wrong.
If you are planning a cruise, you may also want to visit:
Pre-existing medical conditions
This is one of the biggest questions people have about senior travel insurance.
You can still buy OGSure if you have a pre-existing medical condition, but claims arising directly or indirectly from a pre-existing condition are excluded.
The definition is broad and includes treatment, medication, advice, or diagnosis in the previous five years, as well as known or foreseeable conditions.
That means OGSure can still be useful for many travellers, but it is important to understand what is and is not covered before you buy.
If you want a plain-English explanation, visit our Pre-Existing Medical Conditions page.Where can seniors travel with OGSure?
That depends on two things:
- your country of residence
- your destination
Your country of residence is usually the country where you normally live or work for more than three consecutive months.
Your destination also matters, because travel insurance is arranged within geographical limits and policy terms.
To check both, use our Where We Cover page.What happens if something goes wrong?
If you have a serious medical emergency abroad, OGSure provides 24/7 emergency assistance.
In serious cases involving hospitalisation or repatriation, the emergency assistance team must be contacted as soon as possible, and repatriation must be approved and arranged through that service.
In many hospitalisation cases, direct payment can be arranged locally.
If you need help before, during, or after your trip, these pages are worth keeping handy:
Why choose OGSure for senior travel insurance?
There are plenty of senior travel insurance providers out there. What matters is whether the product feels clear, credible, and practical.
OGSure is designed to make senior and family travel insurance easier to understand by focusing on:
- clear cover for the way people actually travel
- a straightforward product rather than multiple confusing tiers
- support pages that explain things in plain English
- strong fit for cruises, annual cover, and single-trip senior travel
- help that is easier to find when something goes wrong
In short, we are building OGSure to feel more reassuring and less cluttered than the usual travel insurance experience.
Learn more about us and our Lloyd's backing.
Frequently asked questions
Can seniors get travel insurance?
Yes. OGSure offers travel insurance for seniors, including eligible single-trip cover up to age 84 and annual multi-trip cover up to age 79.
Can I get travel insurance if I am over 80?
Yes. If you are aged 80 to 84, eligible single-trip cover may still be available. Annual multi-trip cover is not available once you have reached age 80.
What is the maximum trip length?
Annual multi-trip cover allows trips of up to 90 days, but for travellers over 75 the maximum trip length is 60 days.
Do you cover cruises?
Yes. OGSure includes cruise ship evacuation cover, subject to the policy wording.
Are pre-existing medical conditions covered?
Pre-existing medical conditions are excluded.
Where can I check if my destination is covered?
Use our Where We Cover page to check your country of residence and destination.
Is this page the full policy wording?
No. This page is a guide. You should always read the full policy wording before you travel.
Ready to get a quote?
If you are looking for senior travel insurance, OGSure gives you a clearer, more straightforward way to check your options before you travel.OUR COMPANY
CONTACT
Optimum Global Limited (OGSure), 4th Floor, 21 Perrymount Road, Haywards Heath, West Sussex, RH16 3TP, UK
socials
Copyright 2026 OGSure. All rights reserved.
OGSure is a trading style of Optimum Global Limited, which is authorised and regulated by the Financial Conduct Authority. Optimum Global Limited’s Firm Reference Number is 453654, you can check these details at https://register.fca.org.uk or by calling the Financial Conduct Authority on 0800 111 6768. Registered address: Optimum Global Limited, 4th Floor, 21 Perrymount Road, Haywards Heath, West Sussex, RH16 3TP, UK. Optimum Global Limited is registered in England and Wales. Company Registration number 05347793.