Annual seniors travel insurance
If you are looking for annual seniors travel insurance, OGSure gives you a clearer, more straightforward way to check whether annual cover fits the trips you have planned.
Get annual travel insurance for seniors today.
If you travel more than once a year, annual travel insurance for seniors can be a simpler option than arranging a new policy every time you go away.
OGSure offers annual multi-trip cover for eligible travellers up to age 79.
That means this page may be a good fit if you are looking for:
- annual travel insurance for over 65,
- annual travel insurance for over 70,
- or annual travel insurance for over 75,
provided you still fall within the policy’s age limits.
Annual seniors travel insurance at a glance
If you want the key details first, here is a simple overview of how OGSure annual seniors travel insurance works:
- Annual cover: available for eligible travellers up to age 79
- Policy type: annual multi-trip cover across a 12-month period
- Trip length: up to 90 days per trip
- Over 75s: maximum trip length is 60 days per trip
- Includes: cancellation, emergency medical expenses abroad, evacuation and repatriation, baggage, delays, and cruise ship evacuation
- Important: pre-existing medical conditions are excluded
- Optional extra: winter sports cover may be added if needed
If that sounds like the sort of cover you need, keep reading for more on age limits, trip lengths, cruises, pre-existing conditions, and emergency support.
What does annual travel insurance for seniors cover?
Depending on your policy, OGSure annual cover can include:
- cancellation and curtailment
- emergency medical and related expenses incurred 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 private medical insurance.
If you want the full list of benefits and limits, visit our What We Cover page.Is annual travel insurance for over 65, over 70, and over 75 available?
Yes, for many travellers it is.
Annual travel insurance for over 65
If you are over 65 and travel a few times a year, annual cover can be a practical option because it gives you one policy for multiple trips across a 12-month period.
Annual trips can be up to 90 days each under the policy wording.
Annual travel insurance for over 70
If you are over 70, annual cover may still be available provided you are within the policy age limits.
For many travellers in this age group, annual cover can be a tidy way to sort several holidays, cruises, or family visits under one policy.
Annual travel insurance for over 75
Annual travel insurance for over 75 is available for eligible travellers, but this is where the rules matter more.
If you are over 75, the maximum trip length drops to 60 days.
And once you have reached 80, annual cover is no longer available.
Why choose annual cover instead of single-trip insurance?
Annual cover is usually most useful if you expect to travel more than once during the year.
Instead of arranging separate cover for each journey, you have one annual policy in place for eligible trips taken during that 12-month period.
It is a simpler setup, and for frequent travellers it can feel a lot less admin-heavy. Miracles do happen.
That said, annual cover is not right for everyone.
If you are 80 or older, or if your trip plans do not fit the annual policy rules, single-trip cover may be the more relevant option instead.
Cruises, holidays, and senior travel
Senior travel is not one thing.
Some people want regular short breaks. Others want cruises, longer stays with family, or a couple of well-earned holidays spread through the year.
OGSure is designed to fit that kind of travel pattern more neatly than buying a fresh policy every single time.
Our travel also includes cruise ship evacuation cover, subject to the wording.
You may also want to visit:
Pre-existing medical conditions and annual travel insurance for seniors
This is one of the biggest questions people have, and rightly so.
Claims arising from pre-existing medical conditions are excluded.
We also use a broad definition of pre-existing conditions, including treatment, medication, advice, or diagnosis in the previous five years, and known or foreseeable conditions.
That means it is important to read the policy carefully before buying, especially if your travel plans depend on medical cover for an existing condition.
For a plain-English explanation, visit our Pre-Existing Medical Conditions page.Where can you travel with annual seniors travel insurance?
That depends on your country of residence, your destination, and the geographical area selected on your policy.
Your country of residence is generally the country where you normally live or work for more than three consecutive months, and the trip must fall within the policy’s geographical limits.
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.
You must contact the emergency assistance centre if you need inpatient treatment, MRI or CT scans, medical evacuation, or repatriation.
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 annual seniors travel insurance?
There are plenty of annual travel insurance for seniors companies online. What matters is whether the product feels clear, credible, and practical.
OGSure is designed to make senior travel insurance easier to understand by focusing on:
- clear annual age eligibility
- one policy for multiple eligible trips
- straightforward trip-length rules
- support pages written in plain English
- a strong fit for cruises, holidays, and repeat travel through the year
- easier access to help when something goes wrong
In short, we are building OGSure to feel more reassuring and less cluttered than the usual travel insurance experience.
Frequently asked questions
What is annual seniors travel insurance?
It is annual multi-trip travel insurance designed for people who expect to take more than one trip during a 12-month period. With OGSure, annual cover is available for eligible travellers up to age 79.
Is annual travel insurance for over 65 available?
Yes. Annual cover may be available for eligible travellers over 65, provided they are still within the policy’s age limits.
Is annual travel insurance for over 70 available?
Yes. Annual cover may be available for eligible travellers over 70, provided they are still within the policy’s age limits.
Is annual travel insurance for over 75 available?
Yes. Annual cover may be available for eligible travellers over 75, but if you are over 75 the maximum trip length is 60 days, and once you have reached 80 annual cover is no longer available.
What is the maximum trip length on an annual policy?
Trips can be up to 90 days, but if you are over 75 the maximum trip length is 60 days.
Are pre-existing medical conditions covered?
Pre-existing medical conditions are excluded.
Do you cover cruises?
The policy summary includes cruise ship evacuation cover, subject to the policy wording.
What should I do in a medical emergency abroad?
You must contact the emergency assistance centre if you need inpatient treatment, MRI or CT scans, medical evacuation, or repatriation.
Ready to get a quote?
If you are looking for annual seniors travel insurance, OGSure gives you a clearer, more straightforward way to check whether annual cover fits the trips you have planned.
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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.