“Very friendly and responsive to my many many questions and extremely helpful!! Great experience!”
Travel insurance for British Overseas Territories residents
Live in a British Overseas Territory? Get an OGSure quote for single-trip or annual travel insurance to destinations worldwide.
Customer reviews
Shared on Trustpilot
“It was so easy to get a quote for our trip to Mauritius.”
“I needed to make a change to my policy and the team was quick to help. Thanks!”
“This was such an effortless experience! Great peace of mind. Thank you so much for answering all my questions!”
“Great experience with the customer service team. They answered my many questions very professionally.”
“Good help when I bought the policy and they seem very responsive.”
“Getting my insurance policy was quick and easy. Simple online interface. No hassles.”
“Affordable with great benefits. Didn't need to claim.”
“We got a policy for our cruise. Had the best price out of all the quotes we looked at.”
We provide Overseas Territory residents 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.
Why choose OGSure?
OGSure is designed for modern travel, also covering travellers whose country of residence does not match their nationality.
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.
Travel insurance for residents of these British Overseas Territories
Anguilla
Bermuda
British Virgin Islands
Cayman Islands
Falkland Islands
Gibraltar
Montserrat
Saint Helena, Ascension & Tristan da Cunha
Turks & Caicos Islands
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.
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.
What OGSure does not cover
OGSure is travel insurance for sudden and unforeseen events. It is not designed to cover everything that might go wrong.
For example, cover may not apply for:
- claims linked directly or indirectly to pre-existing medical conditions
- trips longer than the duration shown on your policy
- events that were known or foreseeable before you bought cover
- activities or sports that are not covered by the policy
- travel to excluded destinations
- costs you cannot evidence with the required documents
- situations excluded by the policy wording
This is only a summary. Always read the policy wording before you buy.
Frequently asked questions
Can I buy OGSure travel insurance if I live in a British Overseas Territory?
OGSure can provide quotes to eligible residents of the British Overseas Territories listed on this page.
Availability depends on your residence, age, destinations, travel dates, trip duration and the applicable policy terms.
Does my trip need to begin in the UK?
No.
Eligible travellers can arrange cover from their usual country or territory of residence. Your journey does not need to begin in the United Kingdom.
Do I need to be a British citizen?
Not necessarily.
Your eligibility is based mainly on your usual country or territory of residence rather than your citizenship or passport.
How do I choose my country or territory of residence?
Choose the place where you normally live or work for more than three consecutive months.
It should generally be your main home and the place to which you would return, including if medical repatriation became necessary.
Can I use OGSure if I live in Bermuda?
Eligible Bermuda residents may request an OGSure quote for travel to most international destinations.
Enter Bermuda as your residence and include every country forming part of your journey.
Can Falkland Islands residents request a quote?
Eligible Falkland Islands residents may request an OGSure quote for international travel.
The Falklands already have some locally available resident travel insurance options, but OGSure provides an additional anywhere-to-anywhere route for eligible travellers.
Can Saint Helena residents buy OGSure travel insurance?
Eligible residents of Saint Helena, Ascension and Tristan da Cunha may request a quote, subject to the policy’s residence, age, destination and trip requirements.
Can I travel to the UK?
The UK may be covered when included within the geographical area selected for your policy.
Enter the United Kingdom as a destination when requesting your quote.
Can I visit my country of nationality?
Potentially, yes.
Where a British Overseas Territory is your usual place of residence, select that territory as your residence and your country of nationality as the destination you are visiting.
Can I travel to the USA or Canada?
Cover may be available under the appropriate worldwide geographical area.
You must include the USA or Canada when entering your destinations because North American travel can affect the geographical area and premium applied.
Can I cover a cruise?
OGSure can cover eligible cruise holidays, subject to the policy terms.
Cruise ship evacuation cover is included, provided the circumstances meet the conditions described in the policy wording.
Can I buy annual travel insurance?
Annual multi-trip cover may be available depending on your age, residence and travel plans.
The quote journey will show whether single-trip or annual cover is available to you.
Are pre-existing medical conditions covered?
Claims arising directly or indirectly from pre-existing medical conditions are not covered.
You may still purchase a policy, but you should understand how this exclusion could affect you before buying.
Are there destinations OGSure cannot cover?
Yes.
A small number of countries are excluded, and OGSure cannot provide cover where doing so would breach sanctions, regulatory restrictions or the policy terms.
Check the latest Where We Cover page and policy wording before purchasing.
What happens if I have a medical emergency abroad?
The OGSure Emergency Assistance Centre is available 24 hours a day.
You or someone acting on your behalf should contact the assistance team as soon as possible if you require hospitalisation, inpatient treatment, medical evacuation or repatriation.
Which currency will my policy use?
Your quote will show the policy currency available for your cover.
OGSure has separate GBP and USD policy wordings with different benefit limits and excesses. Always read the wording matching your quotation and policy certificate.
Is this page the complete policy wording?
No.
This page provides a general overview only. Your policy certificate, full policy wording and any applicable endorsements contain the complete cover, benefit limits, conditions and exclusions.
Need help choosing the right cover?
You may also find these pages useful:
Planning your next trip?
Get a quote from OGSure and find clear, straightforward travel insurance for the way you travel.
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.