“Very friendly and responsive to my many many questions and extremely helpful!! Great experience!”
Over 65 travel insurance
Over 65? OGSure offers Single Trip and Annual Multi-Trip travel insurance for holidays, cruises, family visits and trips around the world.
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.”
Up to age 84
High medical limits
24/7 emergency support
Can OGSure cover me if I'm over 65?
Yes. If you're over 65, you may be eligible for both Single Trip and Annual Multi-Trip travel insurance.
You're aged 66–84
You need Single Trip or Annual Multi-Trip cover
Your trip is within the permitted duration
Your residence and destination are eligible
Annual Multi-Trip cover may be available up to age 79. Eligible annual trips can be up to 90 days before the over-75 trip-length restriction applies. Eligible Single Trip cover may remain available up to age 84. Policy terms, limits, conditions, exclusions and excesses apply.
We provide over 65 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.
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 travel insurance over 65
Clear answers to common questions about choosing travel insurance when you're over 65.
Can I get travel insurance if I am over 65?
Yes. If you're over 65, eligible OGSure Single Trip or Annual Multi-Trip travel insurance may be available.
The type of cover available depends on your age, country of residence, destinations, travel dates and other policy requirements.
What is the maximum age for OGSure travel insurance?
OGSure can offer eligible Single Trip cover up to age 84.
Annual Multi-Trip cover may be available up to age 79. You must be within the relevant age limit when the period of insurance begins.
Can I get annual travel insurance if I am over 65?
Yes. Eligible travellers over 65 may still be able to buy Annual Multi-Trip travel insurance.
Annual Multi-Trip cover may be available up to age 79, subject to the other eligibility requirements.
How long can I travel for if I am over 65?
The current OGSure Single Trip option covers one journey of up to 30 days.
Eligible Annual Multi-Trip journeys can last up to 90 days each before the over-75 trip-length restriction applies. Once you're over 75, each annual trip is limited to 60 days.
Can I get 90-day travel insurance if I am over 65?
Potentially, yes.
If you're over 65 but not over 75 and eligible for Annual Multi-Trip cover, an individual trip can last for up to 90 days.
The current Single Trip option is limited to journeys of up to 30 days.
Can I take a 90-day trip on Annual Multi-Trip insurance?
Potentially. Eligible Annual Multi-Trip journeys can last up to 90 days before the over-75 restriction applies.
Once you're over 75, the maximum duration of each eligible annual trip reduces to 60 days.
What changes to my travel insurance once I am over 75?
You may still be eligible for both Single Trip and Annual Multi-Trip cover after 75.
However, once you're over 75, each eligible journey under an Annual Multi-Trip policy is limited to 60 days rather than 90 days.
Annual Multi-Trip cover may remain available up to age 79.
What happens to my OGSure travel insurance options when I reach 80?
Once you have reached age 80, Annual Multi-Trip cover is no longer available.
Eligible Single Trip cover may still be available from age 80 to 84, subject to the other policy requirements.
Is Single Trip or Annual Multi-Trip cover better for over-65s?
That depends on how you plan to travel.
Single Trip cover is generally the simpler option for one journey with fixed dates and destinations. Annual Multi-Trip cover may be more convenient if you expect to take several eligible trips during the next 12 months.
Your age and planned trip lengths will also affect the options available.
Can OGSure cover a long-stay holiday if I am over 65?
Potentially.
An eligible Annual Multi-Trip journey can last for up to 90 days before the over-75 restriction applies. The current Single Trip option covers journeys of up to 30 days.
Enter your complete travel dates when requesting a quote so the available options can be checked.
What does OGSure travel insurance over 65 cover?
Depending on your 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, personal accident, public liability and cruise ship evacuation.
Terms, limits, conditions, exclusions and excesses apply.
Does travel insurance over 65 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 OGSure 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, so it is important to understand how this may affect your cover before buying.
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 travel insurance over 65?
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, you should contact OGSure before departure so it can confirm whether cover can continue.
Does OGSure travel insurance over 65 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 a cruise holiday.
Can travellers over 65 add winter sports or adventure sports cover?
Potentially, yes.
Optional Winter Sports Cover can be added to eligible policies for selected winter activities. An optional 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 activity and circumstances meet the policy requirements before travelling.
Does travel insurance over 65 cover cancellation or cutting a trip short?
Yes. OGSure can cover eligible cancellation and curtailment caused by specified sudden and unforeseen events.
Claims linked to a pre-existing medical condition, known or foreseeable circumstances, or simply deciding that you no longer want to travel are not covered.
Can I buy OGSure travel insurance over 65 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 destination must both be eligible.
Can over-65s get travel insurance for the USA, Canada or several countries?
Potentially, yes. Cover for the USA, Canada and other destinations depends on your country of residence, the geographical area selected and the policy exclusions.
For a Single Trip quote, enter the countries included in your journey so the complete itinerary can be checked.
What should I do in a medical emergency abroad?
Get urgent local medical help first, then contact the 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 travel insurance over 65 cost?
The price depends on factors including the travellers' ages, country of residence, destinations, travel dates, trip type, policy currency and any optional extras selected.
The quickest way to see the current price and available cover for your trip is to complete an online quote.
Is a GHIC enough instead of travel insurance if I am over 65?
No. A UK GHIC can provide access to certain state-provided healthcare in participating countries, but it is not a replacement for travel insurance.
It does not provide the wider protection that travel insurance may offer for things such as medical repatriation, cancellation, baggage and other eligible travel-related losses.
When should I buy travel insurance if I am over 65?
It usually makes sense to arrange travel insurance soon after booking your trip.
For Single Trip policies, cancellation cover begins when the insurance is taken out, so arranging cover earlier can provide protection against eligible cancellation events that happen before departure.
Is OGSure travel insurance the same as private medical insurance?
No. OGSure is travel insurance designed to cover eligible sudden and unforeseen events during an insured trip.
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.
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Annual Seniors Travel Insurance
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Ready to get an over 65 travel insurance quote?
If you are looking for over 65 travel insurance, OGSure gives you a clear, straightforward way to check your options before you travel.
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.