90-day seniors travel insurance

Introducing our 90-day seniors travel insurance

Planning a longer trip? OGSure provides travel insurance for extended holidays of up to 90 days under our annual multi-trip policies, depending on your age, destination, trip details and policy terms.

For eligible annual multi-trip travellers, trips of up to 90 days may be available. If you are over 75, the maximum trip length is 60 days.

Travellers aged 64 or younger may also be able to add our optional Trip Duration extension, which can increase the annual multi-trip limit to 180 days per trip.

Get a quote online to check whether OGSure fits your travel plans.

Why can't I cover a single 90-day trip?

Single-trip cover is limited to trips of up to 30 days. If you need cover for a longer journey, you’ll need to choose annual multi-trip cover instead.

90-day seniors travel insurance at a glance

If you want the key details first, here is a simple overview of how OGSure 90-day seniors travel insurance works:

• Trips up to 90 days for eligible travellers aged under 75
• Trips up to 60 days for travellers over 75
• Cover can include cancellation, emergency medical expenses abroad, evacuation, baggage and delays
• Cruise ship evacuation included
• 24/7 emergency assistance while you travel
• Pre-existing medical conditions are 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.

Can I get travel insurance for a 90-day trip?

Possibly, yes.

OGSure may be suitable if you are planning one longer trip and your travel dates fall within the annual multi-trip policy limits.

The key rule is your age:

• For ages up to 75: You may travel for up to 90 days per trip.
• For travellers over 75: You may travel up to 60 days per trip.

Cover for longer senior trips

Longer trips need clear cover.

Whether you are planning a winter sun break, a cruise with extra time on land, an extended family visit, or one big holiday you have been meaning to book for years, your travel insurance needs to match your full trip length.

OGSure is designed to help with sudden and unforeseen problems before or during your trip.

Depending on your policy, cover can include:

• 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
• catastrophe cover
• cruise ship evacuation
• optional winter sports cover, if added

This is travel insurance. It is not private medical insurance.

For the full benefit limits, exclusions and policy terms, please read the policy wording before you buy.

Useful for cruises, family visits and extended holidays

OGSure workS well for longer senior trips that stay within the policy limits.

It may suit:

• extended holidays abroad
• longer visits to family overseas
• cruises with additional nights before or after sailing
• winter breaks
• longer multi-country trips
• special trips where you want one clear policy in place before you travel

Cruise ship evacuation cover is included.

If you are planning a cruise, make sure your travel dates include the full journey, including any hotel stays, flights or extra days on land.

You may also want to visit:

• Cruise Travel Insurance for Seniors
  
• Cruise Ship Evacuation
• Emergency Assistance
• What We Cover

Pre-existing medical conditions

This part matters, especially on a longer trip.

Pre-existing medical conditions are excluded under OGSure.

This means claims arising directly or indirectly from a pre-existing medical condition are not covered.

The definition is broad and can include treatment, medication, advice or diagnosis in the previous five years, as well as known or foreseeable conditions.

You can still buy OGSure if you have a pre-existing medical condition, but you should read the policy wording carefully before buying so you understand what is and is not covered.

Where can you travel?

Your cover depends on your country of residence, destination and the geographical area shown on your policy.

Your country of residence is generally the country where you normally live or work for more than three consecutive months.

Before you buy, check that:

• your country of residence is eligible
• your destination is covered
• your trip falls within the geographical limits shown on your policy

Emergency help while you travel

OGSure includes 24/7 emergency assistance.

If you have a serious medical emergency abroad, the emergency assistance team can help guide the next steps. In many hospitalisation cases, direct payment can often be arranged locally.

You must contact the Emergency Assistance Centre as soon as possible if you need inpatient treatment, MRI or CT scans, medical evacuation or repatriation.

If you need help before, during, or after your trip, these pages are worth keeping handy:

• Emergency Assistance
• Claims
• Travel Insurance FAQs
• Policy Documents

Is OGSure right for your longer trip?

OGSure may be a good fit if:

• you are younger than 75 and planning a trip of up to 90 days
• you are over 75 and planning a trip of up to 60 days
• you want cover for a cruise, family visit, winter break or extended holiday
• you want a straightforward policy with clear trip-length rules
• you understand that pre-existing medical conditions are excluded

OGSure may not be right if:

• you are over 75 and need a full 90 days of cover
• you need cover for pre-existing medical conditions
• your trip is longer than the maximum trip length for your age
• your destination or country of residence is not eligible

Frequently asked questions

Can seniors get travel insurance for 90 days?

Yes, eligible senior travellers may be able to get cover for trips of up to 90 days with OGSure. However, travellers over 75 are limited to a maximum trip length of 60 days.

Can I get 90-day travel insurance if I’m over 65?

Possibly, yes. If you are over 65 and your trip is 90 days or less, OGSure may be suitable, subject to your destination, country of residence and the policy terms.

Can I get 90-day travel insurance if I’m over 70?

Yes, if you are over 70 but not over 75, OGSure may still suit a trip of up to 90 days, subject to the policy terms.

Can I get 90 days of cover if I’m over 75?

No. If you are over 75, the maximum trip length is 60 days.

Can I get 60-day travel insurance if I’m over 75?

Possibly, yes. OGSure may suit a trip of up to 60 days if you are over 75, subject to your destination, country of residence and the policy terms.

Do I need to insure the full trip?

Yes. You must buy cover for the full number of days that make up your planned trip. If your trip is longer than the number of days insured, no cover applies for that trip.

Are pre-existing medical conditions covered?

No. Pre-existing medical conditions are excluded. You can still buy a policy, but claims arising directly or indirectly from a pre-existing medical condition are not covered.

Does OGSure include cruise cover?

OGSure includes cruise ship evacuation cover, subject to the policy wording. If you are taking a cruise, make sure your policy dates cover the full trip, including travel days and any extra time on land.

What happens in a medical emergency abroad?

OGSure includes 24/7 emergency assistance. You must contact the Emergency Assistance Centre as soon as possible if you need inpatient treatment, MRI or CT scans, medical evacuation or repatriation.

You may also like

• Over 80 Travel Insurance
• Over 75 Travel Insurance
  
• Annual Seniors Travel Insurance
• Single-Trip Seniors Travel Insurance
• Cruise Travel Insurance for Seniors
• Long Stay Seniors Travel Insurance

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.