Travel insurance for seniors
Travel cover for holidays, cruises, longer stays and multi-trip adventures, with eligible single-trip cover up to age 84 and annual cover up to age 79.
How OGSure senior travel insurance works.
If you are looking for travel insurance for seniors, OGSure makes it easier to understand what is covered, how the product works, and whether it fits the trip you are planning.
Our cover is designed for the way people actually travel later in life, from cruises and city breaks to longer holidays and once-in-a-lifetime trips, with cover available up to age 84 on eligible single-trip policies.
Annual multi-trip cover is available for eligible travellers up to age 79.
Our senior travel insurance at a glance
If you want the quick version first, here are the main things to know about OGSure senior travel insurance before you get a quote.
Cover feature | OGSure senior travel insurance |
|---|---|
Single-trip age limit: | Up to age 84 |
Annual multi-trip age limit: | Up to age 79 |
Single-trip length: | Up to 30 days |
Annual trip length: | Up to 90 days per trip, or 60 days if over 75 |
Useful for: | Holidays, cruises, city breaks and longer trips |
Support: | 24/7 emergency assistance |
Want the full picture? Keep reading for more on annual cover, cruises, pre-existing medical conditions, destinations, and emergency support.
What does OGSure senior travel insurance cover?
Depending on your policy, OGSure can include cover for:
- cancellation and curtailment
- emergency medical and related expenses abroad
- evacuation and repatriation
- baggage, cash, and passport issues
- missed departure, travel delay, and abandonment
- personal accident
- public liability
- hijack
- catastrophe cover
- cruise ship evacuation
- optional winter sports cover, if added
This is travel insurance designed for sudden and unforeseen events during your trip. It is not the same as private medical insurance.
If you want the full list of benefits and limits, visit our What We Cover page.Single-trip and annual travel insurance for seniors
OGSure offers both single-trip and annual multi-trip cover.
Single-trip cover
Single-trip cover is designed for one continuous trip up to a maximum of 30 days.
If you are planning a holiday, cruise, or trip and only need cover for that journey, this is often the simplest option.
Annual multi-trip cover
Annual multi-trip cover is designed for people who travel more than once a year.
It can be a convenient option if you like having one policy in place rather than buying separate cover each time you travel.
Our annual multi-trip policies allow trips of up to 90 days, but for travellers over 75, the maximum trip length is 60 days.Cruise holidays, longer trips, and senior travel
Senior travel is not one thing.
Some people want a week in the sun. Others want a cruise, a longer stay, or a more ambitious holiday.
OGSure is designed to support that reality.
Our policy includes cruise ship evacuation cover, and can also work well for longer trips where you want clear cover and quick support if something goes wrong.
If you are planning a cruise, you may also want to visit:
Pre-existing medical conditions
Many senior travellers have medical history, so it is important to understand this part before you buy.
You can still buy OGSure if you have a pre-existing medical condition. However, claims arising directly or indirectly from a pre-existing medical condition are excluded.
This means OGSure may still help with unrelated sudden and unforeseen events during your trip, but it is not designed to cover medical issues linked to existing conditions.
Where can seniors travel with OGSure?
All OGSure policies are anywhere-to-anywhere cover, making it perfect for expats living abroad. However, cover still depends on two things:
- your country of residence
- your destination
Your country of residence is usually the country where you normally live or work for more than three consecutive months. it is where you would like to be repatriated to.
Your destination also matters, because travel insurance is arranged within geographical limits and policy terms.
To check both, use our Where We Cover page.Help when you need it most
If something serious happens while you are abroad, you do not want to be searching through paperwork or wondering who to call.
OGSure includes 24/7 emergency assistance. In serious medical cases, including hospitalisation or repatriation, the emergency assistance team should be contacted as soon as possible so they can help guide the next steps.
In many hospitalisation cases, direct payment can be arranged locally, subject to the policy terms.
If you need help before, during, or after your trip, these pages are worth keeping handy:
Why choose OGSure for senior travel insurance?
There are plenty of senior travel insurance providers out there. What matters is whether the product feels clear, credible, and practical.
OGSure is designed to make senior and family travel insurance easier to understand by focusing on:
- clear cover for the way people actually travel
- a straightforward product rather than multiple confusing tiers
- support pages that explain things in plain English
- strong fit for cruises, annual cover, and single-trip senior travel
- help that is easy to find when something goes wrong
In short, we are building OGSure to feel more reassuring and less cluttered than the usual travel insurance experience.
Learn more about us and our Lloyd's backing.
Frequently asked questions
Can seniors get travel insurance?
Yes. OGSure offers travel insurance for seniors, including eligible single-trip cover up to age 84 and annual multi-trip cover up to age 79.
Can I get travel insurance if I am over 80?
Yes. If you are aged 80 to 84, eligible single-trip cover may still be available. Annual multi-trip cover is not available once you have reached age 80.
What is the maximum trip length?
Annual multi-trip cover allows trips of up to 90 days, but for travellers over 75 the maximum trip length is 60 days. Single trip cover has a maximum limit of 30 days.
Do you cover cruises?
Yes. OGSure includes cruise ship evacuation cover, subject to the policy wording.
Are pre-existing medical conditions covered?
Pre-existing medical conditions are excluded.
Where can I check if my destination is covered?
Use our Where We Cover page to check your country of residence and destination.
Is this page the full policy wording?
No. This page is a guide. You should always read the full policy wording before you travel.
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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.