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Travel insurance over 75
Aged 76 to 84? OGSure offers Single Trip travel insurance, with Annual Multi-Trip options still available up to age 79.
Customer reviews
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“Great experience with the customer service team. They answered my many questions very professionally.”
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“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 75?
Yes. If you're aged 76 to 84, you can still get OGSure travel insurance. Travellers aged 76 to 79 may still have a choice between Single Trip and Annual Multi-Trip cover.
You're aged 76–84
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, with each eligible annual trip limited to 60 days once you're over 75. Eligible Single Trip cover may remain available up to age 84. Policy terms, limits, conditions, exclusions and excesses apply.
We provide travellers over 75 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 75
Clear answers to common questions about finding travel insurance when you're over 75.
Can I get travel insurance if I am over 75?
Yes. If you're aged 76 to 84, eligible OGSure travel insurance may still be available.
Travellers aged 76 to 79 may have a choice between Single Trip and Annual Multi-Trip cover. From age 80, eligible Single Trip cover may still be available up to age 84.
Can I get travel insurance at age 76, 77, 78 or 79?
Yes, potentially. Eligible travellers aged 76 to 79 may still be able to choose either Single Trip or Annual Multi-Trip travel insurance.
Your country of residence, destinations, travel dates and other policy requirements must also be eligible.
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 75?
Yes. Eligible travellers aged 76 to 79 may still be able to buy OGSure Annual Multi-Trip travel insurance.
Once you have reached age 80, Annual Multi-Trip cover is no longer available.
Can I get annual travel insurance at age 79?
Yes, potentially. You may still be eligible for Annual Multi-Trip cover at age 79, provided you meet the other policy requirements.
For travellers over 75, each eligible trip under an Annual Multi-Trip policy is limited to 60 days.
What happens to my OGSure travel insurance options when I reach 80?
Once you have reached age 80, OGSure 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-75s?
That depends on how often 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're aged 76 to 79 and expect to take several eligible trips during the next 12 months.
Your age, destinations and trip lengths will determine which options are available.
How long can I travel for if I am over 75?
The current OGSure Single Trip option covers one journey of up to 30 days.
If you're aged 76 to 79 and eligible for Annual Multi-Trip cover, each trip can be up to 60 days once you're over 75.
Can I get travel insurance for a 60-day trip if I am over 75?
Potentially, yes, if you're aged 76 to 79 and eligible for Annual Multi-Trip cover. Each eligible annual trip can be up to 60 days once you're over 75.
The current OGSure Single Trip option is limited to journeys of up to 30 days, so the 60-day limit should not be confused with Single Trip cover.
Can OGSure cover a long-stay holiday if I am over 75?
Potentially. If you're aged 76 to 79, an eligible Annual Multi-Trip journey can last for up to 60 days.
The current Single Trip option covers journeys of up to 30 days. Always enter your complete travel dates when requesting a quote so the available options can be checked.
Does travel insurance over 75 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 75?
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 75 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 75 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 75 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 75 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-75s 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 should contact the assistance team as soon as possible.
How much does travel insurance over 75 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 75?
No. If you're eligible for a UK GHIC, it can provide access to certain state-provided healthcare while visiting participating countries, but it is not a replacement for travel insurance.
A GHIC does not cover everything that travel insurance may cover, including medical repatriation, cancellation, baggage and other eligible travel-related losses.
When should I buy travel insurance for an over-75 traveller?
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.
You may also like
Over 70 winter sports travel insurance
Annual Seniors Travel Insurance
Single-Trip Seniors Travel Insurance
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If you are looking for travel insurance over 75, OGSure gives you a clearer, more 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.