What we cover
Planning your next trip?
OGSure travel insurance is designed to help with sudden and unforeseen problems before or during your trip, including cancellation, emergency medical expenses abroad, evacuation, baggage issues, delays and cruise ship evacuation.
You can get a quote online and check the cover options for your trip before you buy.
Travel insurance for the way you travel
OGSure offers one straightforward travel insurance product, designed to make cover easier to understand before you travel.
Rather than choosing between several complicated tiers, you can check the main benefits, limits and exclusions in one place.
The policy is designed to cover sudden and unforeseen events during a trip. It is not the same as private medical insurance.
What can OGSure include?
Your policy can include cover for:
- cancellation and curtailment
- emergency medical and related expenses abroad
- evacuation and repatriation
- baggage, cash and passport problems
- travel delay, missed departure, missed connection or abandonment
- personal accident
- public liability
- hijack
- catastrophe cover
- cruise ship evacuation
- optional winter sports cover, adventure sports cover, extended trip duration and higher cancellation cover if purchased
The exact benefit limits depend on the currency your policy is issued in and the policy wording that applies to your cover.
Check the main benefit limits
Use the benefit table below to view the main policy limits for GBP and USD policies.
Please note that these are maximum benefit limits. They remain subject to the full policy terms, conditions, limits, excesses and exclusions.
Travel insurance benefit values
Choose your policy currency below to view the benefit limits.
Excesses apply to some sections, and the full terms, conditions, and exclusions still matter.
Single-trip and annual cover
OGSure offers both single-trip and annual multi-trip cover.
Single-trip cover
Single-trip cover is for one continuous trip up to a maximum of 30 days.
It can be useful if you are planning one holiday, cruise, longer journey, or specific set of travel dates.
Single-trip cover may be available for eligible travellers up to age 84.
Annual multi-trip cover
Annual multi-trip cover is designed for people who travel more than once during the policy year.
Each trip must begin and end within the policy period. The maximum trip length is 90 days per trip, or 60 days if you are over 75.
Annual multi-trip cover may be available for eligible travellers up to age 79.
Emergency medical help abroad
OGSure includes cover for emergency medical and related expenses abroad, along with medical evacuation and repatriation, subject to the policy wording.
If something serious happens while you are away, the emergency assistance team is there to help guide the next steps. In many hospitalisation cases, direct payment can be arranged locally.
You must contact the Emergency Assistance Centre as soon as possible if you need inpatient treatment, hospitalisation, medical evacuation, repatriation, or certain scans such as MRI or CT.
Learn more about our emergency assistance service.
Cruise ship evacuation
Cruise ship evacuation cover is included with OGSure, subject to the policy wording.
This can help with the cost of removal from a cruise ship or liner if you suffer a sudden bodily injury or illness and need emergency inpatient treatment that cannot be provided on board.
The evacuation must be carried out by a third party, such as a coastguard or military service, and an invoice must be issued for the evacuation cost.
Learn about cruise ship evacuation.
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
Planning a ski or winter sports trip? Optional winter sports cover may be available if you add it to your policy and it appears on your certificate.
This can include separate limits for winter sports equipment, ski pass, piste closure, and avalanche or landslide disruption.
Learn more about our optional winter sports travel insurance.
Adventure Sports
Planning something a little more active?
Our Adventure Sports upgrade can extend cover to selected higher-risk activities, such as trekking up to 5,000 metres, scuba diving to 30 metres with the right qualification or instructor, kayaking, mountain biking, bungee jumping and other named activities.
Cover only applies to activities listed in the policy wording, and you must follow local rules, use the right safety equipment and take part on an amateur basis.
Extended Trip Duration
If you choose an Annual Multi-Trip policy and need longer individual trips, you may be able to add Extended Trip Duration when you buy your cover.
This can increase the maximum length of each covered trip, subject to age limits and the trip duration shown on your policy documents.
Each trip must still start and end within the policy period.
Increased Cancellation Cover
If you have a higher-value trip, you may be able to add Increased Cancellation Cover for extra protection against non-refundable travel and accommodation costs.
This applies if you need to cancel or cut short your trip for one of the insured reasons listed in the policy wording.
It does not cover changing your mind, known circumstances, or costs you can recover from your travel provider, airline, accommodation provider or another source.
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.
This page is a guide, not the full wording
This page is designed to give you a clear overview of the main benefits.
It does not replace the policy wording, certificate, or any endorsements that apply to your policy.
If you want to check the full terms, conditions, exclusions, and definitions, please read the latest documents on our Policy Documents page.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
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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.