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Travel insurance for over 80s
Planning more than one trip this year? OGSure offers travellers up to age 79 one Annual Multi-Trip policy for multiple holidays, cruises and journeys over 12 months.
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Multiple trips, one policy
Annual cover up to age 79
24/7 emergency support
Is Annual Multi-Trip cover right for me?
Yes, OGSure offers travellers up to age 79 one Annual Multi-Trip policy which covers multiple holidays, cruises and journeys over 12 months.
You expect to take more than one trip in 12 months
You're aged 79 or younger
Each trip is within the permitted duration
Your residence and travel area are eligible
Annual Multi-Trip cover may be available up to age 79. Travellers aged 75 or younger can take eligible trips of up to 90 days each. For ages 76–79, each eligible trip is limited to 60 days. Policy terms, limits, conditions, exclusions and excesses apply.
We provide senior travellers with cover for the unexpected moments that can disrupt a trip.
Travel plans can change quickly. Your travel insurance policy shouldn't. OGSure helps protect you against sudden and unforeseen problems before or during your journey.
Cancellation and curtailment
Emergency medical expenses abroad
Evacuation and repatriation
Baggage, cash and passports
Travel delay and missed departure
Personal accident cover
Cover for public liability
Cruise ship evacuation
Policy benefits
What your cover includes
Policy currency
Please note
These are the maximum benefit limits available under the selected policy currency. Cover remains subject to the full policy terms, conditions, excesses and exclusions.
How long can each trip be?
Trip length is one of the most important rules with annual travel insurance.
With OGSure annual multi-trip cover:
- Travellers under 75: Up to 90 days per trip
- Travellers over 75: Up to 60 days per trip
- Aged 64 or younger, with optional Trip Duration extension: Up to 180 days per trip
Each trip must begin and end within the 12-month policy period.
If your trip is longer than the number of days allowed or insured, cover may not apply for that trip. Always check your dates carefully before you buy.
Cover for one trip or several
OGSure offers both single-trip and annual multi-trip travel insurance, subject to eligibility.
Single-trip cover
Cover one continuous trip with fixed travel dates and destinations.
Annual multi-trip cover
Cover multiple eligible trips over 12 months with one policy, subject to age and trip-length limits.
Optional extras
Choose from optional extras to tailor your cover around the way you travel, from longer trips to selected adventure activities and higher cancellation protection.
Winter sports cover
Add cover for eligible skiing and winter sports, including equipment, ski passes and selected piste disruption.
Adventure sports
Extend cover to selected activities, including trekking, scuba diving, kayaking and mountain biking.
Extended trip duration
Increase the maximum length of individual trips on eligible annual multi-trip policies.
Increased cancellation cover
Increase your cancellation limit for eligible higher-value trips and non-refundable travel costs.
HELP WHEN IT MATTERS
Support if something serious happens abroad.
OGSure’s 24/7 Emergency Assistance Centre is available to support you with serious medical situations abroad.
Your medical history does not have to stop you travelling.
Having a pre-existing medical condition does not automatically prevent you from buying an OGSure policy.
You can still be covered for eligible sudden and unforeseen events that are unrelated to your existing condition, such as:
Claims arising directly or indirectly from a pre-existing medical condition are excluded, so it is important to understand how this may affect your cover before you buy.
Why choose OGSure?
With flexible cover, generous benefits and 24/7 emergency support, OGSure helps you travel with greater confidence, wherever your journey begins.
TRAVEL INSURANCE YOU CAN TRUST
Established experience. Trusted insurance backing.
OGSure is a trading style of Optimum Global, an established insurance business with more than 10 years of experience.
Optimum Global is authorised and regulated by the Financial Conduct Authority, and our travel insurance is supported by a robust insurance structure that includes reinsurance through Lloyd’s of London.
Founded in 1688, Lloyd’s is one of the world’s oldest and most respected insurance markets, known for its specialist expertise and financial strength. It currently holds AA− ratings from both S&P Global and Fitch Ratings.
So, when you arrange cover with OGSure, you can do so with confidence, knowing there is genuine insurance experience behind the brand and internationally recognised financial strength supporting your policy.
Frequently asked questions about annual seniors travel insurance
Clear answers to common questions about using one travel insurance policy for multiple trips during the year.
What is annual seniors travel insurance?
Annual seniors travel insurance is Annual Multi-Trip cover for people who expect to take more than one eligible journey during a 12-month policy period.
Instead of arranging a separate policy for every holiday, you can have one annual policy covering multiple eligible trips, subject to the age, destination, trip-length and other policy rules.
Can seniors get Annual Multi-Trip travel insurance?
Yes. OGSure Annual Multi-Trip travel insurance may be available to eligible senior travellers up to age 79.
Your country of residence, travel area, individual trip lengths and other policy requirements must also be eligible.
What is the maximum age for OGSure annual travel insurance?
Annual Multi-Trip cover may be available up to age 79.
Once you have reached age 80, OGSure Annual Multi-Trip cover is no longer available. Eligible Single Trip cover may still be available up to age 84.
Can I get annual travel insurance if I am over 65?
Yes. Eligible travellers over 65 may still be able to buy OGSure Annual Multi-Trip travel insurance.
Your age also affects the maximum duration of each individual trip.
Can I get annual travel insurance if I am over 70?
Yes. Eligible travellers in their early 70s may still be able to choose Annual Multi-Trip cover.
Annual cover may remain available up to age 79, subject to the other policy requirements.
Can I get annual travel insurance if I am over 75?
Yes, potentially. Eligible travellers aged 76 to 79 may still be able to buy Annual Multi-Trip cover.
Once you're over 75, each eligible trip is limited to a maximum of 60 days.
Can I get annual travel insurance at age 79?
Yes, potentially. Age 79 is still within OGSure's Annual Multi-Trip age limit, provided you meet the other eligibility requirements.
Because you're over 75, each eligible trip is limited to 60 days.
Can I get annual seniors travel insurance if I am 80 or older?
No. OGSure Annual Multi-Trip cover is not available once you have reached age 80.
Eligible travellers aged 80 to 84 may still be able to choose Single Trip cover instead.
How many trips can I take with Annual Multi-Trip insurance?
You can take multiple eligible trips during the 12-month policy period.
Each journey must meet the policy requirements, including the geographical area selected, permitted trip duration and any relevant activity or cover restrictions.
What is the maximum trip length with OGSure Annual Multi-Trip insurance?
Eligible trips can be up to 90 days each while the traveller is age 75 or younger.
Once the traveller is over 75, the maximum duration of each eligible trip reduces to 60 days.
Can a 75-year-old take a 90-day trip on Annual Multi-Trip cover?
Potentially, yes. The 60-day restriction applies once the traveller is over 75.
An eligible traveller aged 75 can therefore have an annual trip of up to 90 days, subject to the other policy requirements.
Can travellers aged 76 to 79 take a 60-day trip?
Potentially, yes. Eligible Annual Multi-Trip journeys can last for up to 60 days once the traveller is over 75.
This applies to eligible travellers aged 76 to 79 who still qualify for Annual Multi-Trip cover.
Can an annual trip continue after my 12-month policy expires?
No. Each insured trip must begin and end within the 12-month Annual Multi-Trip policy period.
Check longer holidays carefully when choosing your policy dates so the entire eligible journey falls within the insured period.
Does annual travel insurance mean there is no limit on how long I can travel?
No. Annual refers to the length of the policy, not the permitted length of one continuous trip.
Individual journeys remain subject to maximum trip-duration limits based on your age.
Is Annual Multi-Trip or Single Trip travel insurance better for seniors?
Annual Multi-Trip cover can be convenient if you expect to take several eligible journeys during the next 12 months.
Single Trip cover may be more suitable if you only have one journey planned, your travel dates do not fit the annual trip-duration limits, or Annual Multi-Trip cover is not available because of your age.
Is annual travel insurance cheaper than buying several Single Trip policies?
Not necessarily.
Whether Annual Multi-Trip or separate Single Trip policies cost less depends on factors such as your age, destinations, travel dates, policy currency and optional extras.
If price is important, compare an Annual Multi-Trip quote with the cost of covering your planned journeys individually.
What can OGSure Annual Multi-Trip travel insurance cover?
Depending on the policy and circumstances, cover can include cancellation and curtailment, emergency medical expenses abroad, evacuation and repatriation, baggage, cash and passport issues, travel delay, missed departure or connection, personal accident, public liability, catastrophe cover and cruise ship evacuation.
Terms, limits, conditions, exclusions and excesses apply.
Does annual seniors travel insurance cover emergency medical treatment and repatriation?
Yes, subject to the policy terms and exclusions.
OGSure can provide up to £6.5 million or $8 million for eligible emergency medical and related expenses abroad, with medical evacuation and repatriation included within that limit.
Can I buy Annual Multi-Trip cover if I have a pre-existing medical condition?
Yes. Having a pre-existing medical condition does not automatically prevent you from buying an OGSure policy.
However, claims arising directly or indirectly from a pre-existing medical condition are excluded.
What may still be covered if I have a pre-existing medical condition?
Other policy benefits may still apply when the event and claim are unrelated to your pre-existing medical condition.
This could include an eligible new and unrelated illness or injury, baggage loss or theft, travel delay, missed departure, public liability or cancellation for an unrelated covered reason.
Do I need a medical screening to buy OGSure annual seniors travel insurance?
OGSure does not use a full medical screening process in its standard online quote journey.
If you make a claim, medical information may be requested to determine whether the claim is connected to a pre-existing medical condition.
If your health changes before you travel, contact OGSure before departure so it can confirm whether cover can continue.
Does Annual Multi-Trip travel insurance cover cruises?
Yes. OGSure includes Cruise Ship Evacuation, subject to the policy terms, limits and exclusions.
Other eligible benefits such as cancellation, emergency medical expenses abroad, evacuation and repatriation, baggage and travel disruption can also apply during an insured cruise holiday.
Can I add winter sports or adventure sports cover to an annual policy?
Potentially, yes.
Optional Winter Sports Cover can be added to eligible policies for selected winter activities. An Adventure Sports upgrade can extend cover to selected activities such as higher-altitude trekking, mountain biking, kayaking and deeper scuba diving.
Always check that your exact planned activities meet the policy requirements.
Can annual seniors travel insurance cover the USA, Canada or several countries?
Potentially, yes.
Your available cover depends on your country of residence and the geographical area selected for the policy. Make sure your annual policy covers all the destinations you expect to visit during the year.
Can I buy OGSure annual travel insurance if I live outside the UK?
Potentially, yes. OGSure can cover eligible residents of many countries.
Your usual country of residence is generally the country where you normally live or work for more than three consecutive months, and your planned destinations must fall within the geographical area selected.
What should I do in a medical emergency while travelling?
Get urgent local medical help first, then contact OGSure's 24/7 Emergency Assistance Centre as soon as possible.
You must contact the assistance team if you require inpatient treatment, hospitalisation, MRI or CT scans, medical evacuation or repatriation.
When should I buy Annual Multi-Trip travel insurance?
It usually makes sense to arrange travel insurance soon after you have trips booked or know you will need cover.
Make sure the annual policy is in force when you need cancellation protection and that your planned journeys begin and end within the 12-month policy period.
Is OGSure Annual Multi-Trip travel insurance private medical insurance?
No. It is travel insurance designed to cover eligible sudden and unforeseen events during insured journeys.
It is not private medical insurance and is not intended to cover routine treatment, planned care or claims arising from pre-existing medical conditions.
You may also like
Seniors winter sports travel insurance
Single-Trip Seniors Travel Insurance
Ready to get a quote?
If you are looking for annual seniors travel insurance, OGSure gives you a clear, straightforward way to check whether annual cover fits the trips you have planned.
CONTACT
Optimum Global Limited (OGSure), 4th Floor, 21 Perrymount Road, Haywards Heath, West Sussex, RH16 3TP, UK
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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.