Long stay seniors travel insurance
If you are looking for long stay seniors travel insurance, OGSure gives you a clearer, more straightforward way to check whether our cover fits the length of trip you have planned.
Get long stay travel insurance for seniors today.
If you are planning a longer holiday, an extended family visit, a cruise with extra time added on, or a winter escape that lasts more than a couple of weeks, long stay travel insurance matters.
OGSure can work for some longer senior trips, but the trip length rules are important.
Our maximum duration of any trip is 90 days, and for travellers over 75, the maximum trip length is 60 days.
That means this page may be a good fit if you are looking for:
- long stay travel insurance over 65,
- long stay travel insurance for over 70s,
- or over 70 travel insurance 90 days.
It is less likely to be the right fit if you need 90 days of cover and are over 75.
Long stay seniors travel insurance at a glance
If you want the key details first, here is a simple overview of how OGSure long stay seniors travel insurance works:
- Maximum trip length: up to 90 days
- Over 75s: maximum trip length is 60 days
- 90-day cover: may suit some travellers over 65 and over 70
- Important: 180-day annual cover is only available to members under 65
- Trip extensions: separate trip extension coverage is only available to travellers aged 64 or younger at the time of purchase
- Includes: cancellation, medical expenses abroad, evacuation and repatriation, baggage, delays, and cruise ship evacuation
- Pre-existing medical conditions: excluded
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 long stay seniors travel insurance cover?
Depending on your policy, OGSure can include cover for:
- 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 long stay travel insurance over 65, over 70s, and over 75 available?
Yes, but the answer changes with age and trip length.
Long stay travel insurance over 65
If you are over 65 and planning one longer trip, OGSure may be a practical option because the policy allows trips of up to 90 days.
That can work well for an extended holiday, a longer family visit, or a winter break abroad.
Long stay travel insurance for over 70s
If you are over 70 and under 76, OGSure may still suit a longer trip, including a trip of up to 90 days, provided the rest of the policy fits your needs.
That makes it a reasonable option for people specifically searching for over 70 travel insurance 90 days.
Long stay travel insurance over 75
If you are over 75, this is where the rules tighten.
Under the policy wording, your maximum trip length is 60 days, not 90.
So OGSure may still work for a longer senior trip in this age group, but not for a full 90-day stay.
Over 70 travel insurance for 90 days
If you are looking for over 70 travel insurance 90 days, OGSure may fit if you are over 70 but not over 75, because the policy allows trips of up to 90 days.
Once you are over 75, the maximum trip length drops to 60 days.
Can OGSure cover trips longer than 90 days?
Not for seniors under this wording.
The maximum duration of any trip must not exceed 90 days.
The 180-day annual option is only available to members under 65, and separate trip extension coverage is only available to travellers aged 64 or younger at the time of purchase.
So if you are a senior traveller looking for a true long-stay product beyond 90 days, OGSure is unlikely to be the right match.
Cruises, extended holidays, and later-life travel
Senior long-stay travel is not one thing.
Some people want a slow winter sun break. Others want extra time with family, a cruise plus time on land, or one properly long trip they have waited years to take.
OGSure can make sense for those plans where the trip still falls within the policy limits. The summary of benefits also includes cruise ship evacuation cover, subject to the wording.
You may also want to visit:
Pre-existing medical conditions and long stay seniors travel insurance
This matters even more on a longer trip.
Claims arising from pre-existing medical conditions are excluded.
We use a broad definition, 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 you are travelling for a longer period and want confidence around medical cover.
For a plain-English explanation, visit our Pre-Existing Medical Conditions page.Where can you travel with long stay 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 your trip must fall within the policy’s geographical limits.
To check both, use our Where We Cover page.What happens if something goes wrong on a longer trip?
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 long stay seniors travel insurance?
There are plenty of long stay seniors travel insurance companies online. What matters is whether the product feels clear, credible, and honest about its limits.
OGSure is designed to make senior travel insurance easier to understand by focusing on:
- clear trip-length rules
- a possible fit for longer trips up to 90 days
- a realistic option for over 65s and many over 70s
- a clear warning that over 75s are limited to 60 days
- support pages written in plain English
- 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.
Learn more about us and our Lloyd's backing.
Frequently asked questions
What is long stay seniors travel insurance?
It is travel insurance designed for a single longer trip rather than a short break. With OGSure, the maximum duration of any trip is 90 days, although travellers over 75 are limited to 60 days.
Can I get long stay travel insurance over 65?
Yes. OGSure may suit some longer trips for travellers over 65 because the policy allows trips of up to 90 days.
Can I get long stay travel insurance for over 70s?
Yes. If you are over 70 and under 76, OGSure may still suit a longer trip of up to 90 days, subject to the policy terms.
Can I get long stay travel insurance over 75?
Yes, possibly, but the maximum trip length is 60 days if you are over 75.
Do you offer over 70 travel insurance for 90 days?
Potentially yes. OGSure may fit a 90-day trip for travellers over 70 who are not over 75. Once you are over 75, the maximum trip length is 60 days.
Do you cover trips longer than 90 days?
No. The policy says the maximum duration of any trip must not exceed 90 days, and the 180-day option is only available to members under 65.
Are pre-existing medical conditions covered?
Pre-existing medical conditions are excluded.
Do you cover cruises?
The summary of benefits 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 long stay seniors travel insurance, OGSure gives you a clearer, more straightforward way to check whether our cover fits the length of trip you have planned.
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.