Annual seniors travel insurance
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.
Get annual travel insurance for seniors today.
Travel more than once a year? OGSure annual seniors travel insurance gives eligible travellers one policy for multiple trips across a 12-month period.
It can be a simpler way to cover holidays, cruises, family visits and repeat travel without arranging a new policy every time you go away.
Annual multi-trip cover may be available for eligible travellers up to age 79.
Annual cover at a glance
OGSure annual seniors travel insurance is designed for people who expect to take more than one trip during the year.
Here are the key details:
- Annual multi-trip cover for eligible travellers up to age 79
- Multiple trips during a 12-month policy period
- Trips up to 90 days each, depending on your age
- Maximum trip length of 60 days if you are over 75
- Optional Trip Duration extension up to 180 days for eligible travellers aged 64 or younger
- Cover can include cancellation, emergency medical expenses abroad, evacuation, baggage, delays and cruise ship evacuation
- Optional winter sports cover may be added if needed
- Pre-existing medical conditions are excluded
If your trips fit the age, destination and duration rules, annual cover can be a clear and convenient option.
Is annual travel insurance right for you?
Annual cover is usually most useful if you travel more than once in a 12-month period.
It may be a good fit if you are planning:
- several holidays in one year
- regular trips to visit family abroad
- cruises and pre- or post-cruise hotel stays
- short breaks and longer holidays
- repeat travel where you prefer one policy instead of buying each time
Instead of arranging separate cover for every trip, you can have one annual policy in place for eligible journeys taken during the policy period.
That means less admin before each trip, and a clearer setup for frequent senior travellers.
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.
Annual cover for over 65s, over 70s and over 75s
OGSure annual cover may be available to eligible senior travellers, but the rules depend on your age.
If you are over 65 or over 70, annual cover may still be available provided you are within the policy age limits and your trips fit the policy terms.
If you are over 75, annual cover may still be available, but each trip is limited to a maximum of 60 days.
Once you have reached age 80, annual multi-trip cover is no longer available.
If you only need cover for one trip, single-trip cover may be more suitable.
What can annual seniors travel insurance include?
Depending on your policy, OGSure annual cover can include:
- cancellation and curtailment
- emergency medical and related expenses abroad
- medical evacuation and repatriation
- baggage, cash and passport issues
- travel delay, missed departure, missed connection or abandonment
- personal accident
- public liability
- catastrophe cover
- cruise ship evacuation
- optional winter sports cover, if added
This is travel insurance for sudden and unforeseen events. It is not private medical insurance.
For the full benefit limits, exclusions and conditions, read the policy wording before you buy.
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:
Annual cover vs single-trip cover
Annual cover is designed for people who travel more than once in a year.
Single-trip cover is designed for one continuous trip.
Annual cover may be better if you have several eligible trips planned during the year.
Single-trip cover may be better if you only have one holiday planned, or if annual cover is not available for your age or travel plans.
If you are not sure which option fits your trip, start a quote and check your options online.
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.
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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.
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