Travel insurance over 75
If you are looking for travel insurance over 75, OGSure gives you a clearer, more straightforward way to check your options before you travel.
Get travel insurance for over 75s today.
If you are looking for travel insurance for over 75s, 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 family visits and longer holidays, with eligible single-trip cover available up to age 84 and annual multi-trip cover available up to age 79.
Travel insurance over 75 at a glance
If you want the key details first, here is a simple overview of how OGSure travel insurance over 75 works:
- Single-trip cover: available for eligible travellers up to age 84
- Annual cover: available for eligible travellers up to age 79
- Trip length: up to 60 days per trip 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
- Optional extra: winter sports cover may be added if needed
Want the fuller picture? Keep reading for more on annual cover, trip limits, cruises, pre-existing medical conditions, destinations, and emergency support.
What does OGSure travel insurance over 75 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 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 over 75s
OGSure offers both single-trip and annual multi-trip cover for many travellers over 75, but the age limits are important.
Single-trip cover
Single-trip cover is designed for one continuous trip.
If you are planning one holiday, one cruise, one family visit, or one longer journey and only need cover for that trip, 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.
For travellers over 75, the maximum trip length is 60 days.
Annual multi-trip cover is available for eligible travellers up to age 79, so once you have reached 80, single-trip cover is usually the relevant option instead.
Longer trips and travel over 75
If you are over 75, OGSure limits trips to a maximum of 60 days.
That means this cover may still work well for many holidays, cruises, family visits, and extended breaks, but it may not be suitable for longer journeys beyond that limit.
The aim is to make that clearer upfront, so you can check whether the policy fits your plans before you buy, rather than discovering it later when things get awkward.
Cruises, holidays, and later-life travel
Travel over 75 is not one thing.
Some people want a simple week away. Others want a cruise, a longer stay with family, or a properly well-earned holiday.
OGSure is designed to support that reality.
Our policy includes cruise ship evacuation cover, subject to the policy wording, and can work well for senior and family travel where you want clearer cover and easier support if something goes wrong.
You may also want to visit:
Pre-existing medical conditions and travel insurance for over 75s
This is one of the biggest questions people have about travel insurance for over 75s, 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 medical 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.
For a plain-English explanation, visit our Pre-Existing Medical Conditions page.Where can over 75s 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 matters too, 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, inpatient treatment, MRI or CT scans, 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.
If you need help before, during, or after your trip, these pages are worth keeping handy:
Why choose OGSure for travel insurance over 75?
There are plenty of travel insurance over 75 pages online. What matters is whether the product feels clear, credible, and practical.
OGSure is designed to make later-life travel insurance easier to understand by focusing on:
- clear age eligibility
- annual and single-trip options for many travellers over 75
- straightforward trip-length rules
- support pages that explain things in plain English
- a strong fit for cruises, holidays, and later-life 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 I get travel insurance if I am over 75?
Yes. OGSure offers eligible single-trip cover up to age 84 and annual multi-trip cover up to age 79.
Is annual travel insurance available for over 75s?
Yes. Annual cover may be available for eligible travellers aged 76 to 79. Once you have reached age 80, annual multi-trip cover is not available.
What is the maximum trip length if I am over 75?
If you are 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.
What should I do in a medical emergency abroad?
If you need inpatient treatment, MRI or CT scans, medical evacuation, or repatriation, you must contact the emergency assistance team as soon as possible.
Is this page the full policy wording?
No. This page is a guide. You should always read the full policy wording before you travel.
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If you are looking for travel insurance over 75, OGSure gives you a clearer, more straightforward way to check your options before you travel.OUR COMPANY
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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.