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Long stay seniors travel insurance
Planning to travel for more than 30 days? OGSure can cover longer journeys through our Annual Multi-Trip insurance.
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Longer trips with annual cover
Annual cover up to age 79
24/7 emergency support
Can OGSure cover my longer trip?
Yes, if your journey is longer than the current 30-day Single Trip limit, OGSure may still be able to cover it through an eligible Annual Multi-Trip policy.
You're younger than 79
Your trip is longer than 30 days
Your trip fits your age-based duration limit
Your residence and destinations are eligible
Longer eligible journeys are covered through Annual Multi-Trip insurance. Travellers aged 65–75 can take eligible trips of up to 90 days. For ages 76–79, each eligible trip is limited to 60 days. Annual Multi-Trip cover is not available from age 80. Policy terms, limits, conditions, exclusions and excesses apply.
We provide senior travellers with cover for the unexpected moments that can disrupt a long-stay 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 OGSure long-stay cover.
If you are:
- Aged 64 or younger, with optional Trip Duration extension: Up to 180 days per trip
- Younger than 75: Up to 90 days per trip
- Older than 75: Up to 60 days per trip
Each trip must begin and end within the annual policy period. If your trip is longer than the number of days allowed or insured, cover may not apply for that trip.
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 long stay seniors travel insurance
Clear answers about longer holidays, age limits and trip duration with OGSure.
What is long stay seniors travel insurance?
Long stay seniors travel insurance is cover for older travellers planning a holiday or journey that lasts longer than a typical short break.
With OGSure, longer senior journeys beyond the current 30-day Single Trip limit may be covered through an eligible Annual Multi-Trip policy, subject to age, trip-duration, destination and other policy requirements.
Does OGSure offer a separate long stay Single Trip policy?
No. OGSure's current Single Trip option covers one continuous journey of up to 30 days.
If your eligible journey is longer than 30 days, the available OGSure route is Annual Multi-Trip cover, subject to its age and trip-duration limits.
Can I get long stay travel insurance if I am over 65?
Potentially, yes.
Eligible travellers aged 65 to 75 may be able to take journeys of up to 90 days under Annual Multi-Trip cover.
Your residence, destinations and other policy requirements must also be eligible.
Can I get long stay travel insurance if I am over 70?
Potentially, yes.
If you're aged 70 to 75, an eligible Annual Multi-Trip journey can last for up to 90 days.
Once you're over 75, the maximum duration of each eligible annual trip reduces to 60 days.
Can I get long stay travel insurance if I am over 75?
Potentially. Eligible travellers aged 76 to 79 may still be able to buy Annual Multi-Trip cover for journeys of up to 60 days.
A 90-day journey is not available under OGSure's current rules once you're over 75.
Can I get long stay travel insurance if I am over 80?
Not for a trip longer than 30 days under OGSure's current options.
Annual Multi-Trip cover is not available once you have reached age 80. Eligible travellers aged 80 to 84 may still be able to buy Single Trip cover, but the current Single Trip option is limited to 30 days.
Can someone aged 75 get travel insurance for a 90-day trip?
Potentially, yes.
The 60-day restriction applies once the traveller is over 75. An eligible traveller who is aged 75 may therefore still be able to take an annual trip of up to 90 days.
Can someone aged 76 to 79 get travel insurance for a 60-day trip?
Potentially, yes.
Eligible travellers aged 76 to 79 may be able to use Annual Multi-Trip cover for a journey of up to 60 days.
Can someone aged 76 get OGSure cover for a 90-day trip?
No. Once the traveller is over 75, each eligible Annual Multi-Trip journey is limited to 60 days.
Does OGSure cover senior trips longer than 90 days?
Not under the current senior travel options.
For travellers aged 65 to 75, the maximum eligible Annual Multi-Trip journey is 90 days. For travellers aged 76 to 79, the maximum is 60 days.
Why do I need Annual Multi-Trip insurance for one longer holiday?
Because OGSure's current Single Trip option is limited to journeys of up to 30 days.
If your eligible trip is longer, Annual Multi-Trip cover provides the longer per-trip duration available within the relevant age limits, even if the longer holiday is the main trip you're arranging cover for.
Does Annual Multi-Trip mean I have to take several holidays?
No. Annual Multi-Trip cover gives you the ability to take multiple eligible journeys during the policy period.
For OGSure, it is also the available route for an eligible senior journey that exceeds the current 30-day Single Trip limit.
Does my longer trip have to begin and end within the annual policy period?
Yes. An insured Annual Multi-Trip journey must begin and end within the 12-month period shown on your policy.
Check your full departure and return dates carefully when arranging cover.
Can long stay seniors travel insurance cover several countries?
Potentially, yes.
A longer eligible journey can include several destinations provided they fall within the geographical cover selected and the full itinerary meets the policy requirements.
Make sure all relevant destinations are included when arranging your cover.
Can long stay seniors travel insurance cover a cruise?
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 a cruise and any insured travel before or afterwards.
Does long stay 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 long stay 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 for OGSure long stay 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.
Can I add winter sports or adventure sports cover to a longer trip?
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.
The activity, trip duration and other policy requirements must all be met.
Does long stay seniors travel insurance cover cancellation?
Yes, subject to the policy terms and exclusions.
Eligible cancellation and curtailment can be covered for specified sudden and unforeseen events. Claims arising from pre-existing medical conditions, known or foreseeable circumstances and other excluded causes are not covered.
Can I buy OGSure long stay seniors travel insurance if I live outside the UK?
Potentially, yes. OGSure can cover eligible residents of many countries, and your journey does not necessarily have to begin in the UK.
Your usual country of residence is generally the country where you normally live or work for more than three consecutive months. Your residence and destinations must be eligible.
Can long stay seniors travel insurance cover the USA or Canada?
Potentially, yes.
Cover for the USA, Canada and other destinations depends on your country of residence, the geographical area selected and the policy exclusions.
Make sure the geographical area you choose covers every destination in your longer journey.
What should I do in a medical emergency during a longer trip?
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 for inpatient treatment, hospitalisation, MRI or CT scans, medical evacuation or repatriation.
If you're physically unable to make contact immediately, you or someone acting for you must do so within 48 hours.
How much does long stay seniors travel insurance cost?
The price depends on factors including your age, country of residence, destinations, travel dates, policy currency and any optional extras selected.
Longer journeys can also affect the available policy option, so the quickest way to see the current price and eligible cover is to complete an online quote.
When should I buy travel insurance for a longer holiday?
It usually makes sense to arrange travel insurance once your plans and travel dates are known.
For longer journeys, check particularly carefully that your complete trip fits within the permitted duration and falls entirely within your policy period.
Is OGSure long stay travel insurance private medical insurance?
No. OGSure provides travel insurance for eligible sudden and unforeseen events during an insured journey.
It is not private medical insurance and is not intended to cover routine treatment, planned medical care or claims arising from pre-existing medical conditions.
You may also like
Seniors winter sports travel insurance
Annual Seniors Travel Insurance
Ready to get a quote?
If you are looking for long stay seniors travel insurance, OGSure gives you a clear, straightforward way to check whether our cover fits the length of trip 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.