Travel insurance for over 80s
If you are looking for travel insurance for over 80s, OGSure gives you a clearer, more straightforward way to check your options before you travel.
How our travel insurance for over 80s work.
Looking for travel insurance for over 80s does not need to feel like a fight.
OGSure offers a clearer, more straightforward way to check your options if you are travelling in your 80s.
If you are aged 80 to 84, eligible single-trip cover may still be available, with clear support pages to help you understand what is covered, how the product works, and what to check before you buy.
Annual multi-trip cover is not available once you have reached age 80.
Over 80 travel insurance at a glance
If you want the key details first, here is a simple overview of how OGSure over 80 travel insurance works:
- Single-trip cover: available for eligible travellers aged 80 to 84
- Annual cover: not available once you have reached age 80
- Trip length: travellers over 75 are limited to 60 days per trip
- 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 cruises, pre-existing medical conditions, destinations, and emergency support.
What does OGSure over 80 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
- travel delay, missed departure, or 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 a trip. It is not private medical insurance.
If you want the full breakdown of limits and benefits, visit our What We Cover page.Single-trip cover for over 80s
For most travellers over 80, we keep it simple with single-trip cover.
If you are planning one holiday, one cruise, one family visit, or one family trip you have been looking forward to, single-trip cover is usually the place to start.
That makes our policy a strong fit for travellers who want:
- straightforward cover for one trip
- reassurance around senior and family travel
- a clear answer on age eligibility before you buy
Cruises, holidays, and senior or family travel
Many over 80s are not looking for backpacking cover or high-drama adventure insurance.
They are looking for sensible, dependable protection for:
- cruises
- escorted holidays
- city breaks
- family visits
- longer senior trips
OGSure is designed for that kind of travel.
Our travel insurance also includes cruise ship evacuation cover, subject to the wording and exclusions, which can be especially relevant for cruise travellers comparing policies carefully.
You may also want to visit:
Pre-existing medical conditions and over 80 travel insurance
This is one of the biggest questions older travellers have, and rightly so.
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 wording defines pre-existing conditions broadly, including treatment, medication, advice, or diagnosis in the previous five years, as well as known or foreseeable conditions.
So if you are comparing travel insurance for over 80s, it is important to understand that OGSure can still be useful for many travellers, but it is not designed to automatically cover pre-existing medical conditions.
For a plain-English explanation, visit our Pre-Existing Medical Conditions page.Where can over 80s 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 cover works 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, emergency assistance is available 24 hours a day, 365 days a year.
In serious cases involving hospitalisation, inpatient treatment, medical evacuation, or repatriation, the emergency assistance team must be contacted as soon as possible.
In many hospitalisation cases, direct payment can often be arranged locally.
That matters even more when travelling later in life, because the value of travel insurance is not just what sits in the wording.
It is also knowing where to turn if something unexpected happens.
Useful pages to keep handy:
Why choose OGSure for over 80 travel insurance?
There are plenty of over 80 travel insurance providers online.
Many of them are cluttered, vague, or make it harder than it needs to be to work out whether you can actually buy cover.
OGSure is designed to make that easier by focusing on:
- clear age eligibility
- straightforward single-trip cover
- practical support pages
- strong fit for cruises and senior holidays
- a calmer, more reassuring travel insurance experience
If you are over 80 and want to check your options without wading through endless noise, that is exactly the gap we're here to fill.
Learn more about us and our Lloyd's backing.
Frequently asked questions
Can I get travel insurance if I am over 80?
Yes. Eligible single-trip cover may still be available if you are aged 80 to 84.
Is annual travel insurance available for over 80s?
No. Annual cover is not available once you have reached age 80 at the start of the period of insurance.
What is the age limit for single-trip cover?
Single-trip cover is available until the point a traveller has reached age 85, so eligible cover may be available up to age 84.
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 travel insurance for over 80s, 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.