Travel insurance over 75
If you are looking for travel insurance over 75, OGSure gives you a quick and easy way to check your options before you travel.
Introducing our travel insurance for over 75s.
Travel insurance over 75 should be easy to check, easy to understand and clear before you buy.
OGSure helps eligible travellers over 75 check single-trip and annual multi-trip travel insurance options online, with cover for holidays, cruises, city breaks, escorted tours and family visits.
Travel insurance over 75 at a glance
If you are over 75, OGSure may offer both single-trip and annual multi-trip cover, depending on your age, destination, trip length and policy terms.
Key points:
- Single-trip cover may be available up to age 84
- Annual multi-trip cover may be available up to age 79
- Single-trip cover is available for trips of up to 30 days
- If you are over 75, the maximum trip length is 60 days
- Cover can include cancellation, emergency medical expenses abroad, evacuation, repatriation, baggage, delays and cruise ship evacuation
- Pre-existing medical conditions are excluded
- Optional winter sports cover may be available if added to your policy
This page is only a guide. Please read the policy wording before you buy.
What does OGSure travel insurance over 75 cover?
OGSure is designed for the way many people travel later in life: cruises, escorted tours, city breaks, family visits and well-earned holidays abroad.
Depending on your policy, cover can include:
- cancellation and cutting short your trip
- sudden and unforeseen medical emergencies abroad
- medical evacuation and repatriation
- baggage, cash and passport issues
- travel delay, missed departure or abandonment
- personal accident and public liability
- cruise ship evacuation, subject to the policy wording
- optional winter sports cover, if added
This is travel insurance, not private medical insurance. It is designed for sudden and unforeseen events during your trip.
If you want the full list of benefits and limits, visit our What We Cover page.Single-trip and annual cover for over 75s
OGSure may give eligible travellers over 75 a choice between single-trip and annual multi-trip cover.
Single-trip cover is usually best if you are planning one holiday, cruise, family visit or longer break.
Annual multi-trip cover may be more convenient if you expect to travel more than once during the year, provided you are still within the age limit and each trip meets the policy terms.
Once you have reached age 80, annual multi-trip cover is not available, so single-trip cover is usually the relevant option instead.
Longer trips and travel over 75
If you are over 75, OGSure limits annual multi-trip cover to a maximum of 60 days per trip.
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.
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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:
Travel insurance over 75 can feel cluttered, confusing and full of awkward small print.
OGSure keeps things clearer by focusing on:
- online quotes
- clear age eligibility
- single-trip and annual options for many travellers over 75
- straightforward trip-length rules
- cover for holidays, cruises and family visits
- support pages that explain the key details in plain English
- practical emergency help if something goes wrong abroad
Learn more about us and our Lloyd's backing.
Frequently asked questions
Can I get travel insurance if I am over 75?
Yes. OGSure may offer 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 multi-trip 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.
Does OGSure cover cruises?
Yes. OGSure includes cruise ship evacuation cover, subject to the policy wording, limits and exclusions.
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 only a guide. You should always read the full policy wording before buying travel insurance.
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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.