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Winter sports travel insurance for seniors
Planning a ski or snow holiday? Senior travellers can add OGSure Optional Winter Sports Cover for skiing, snowboarding and selected winter activities.
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Optional Winter Sports Cover
Single Trip cover up to age 84
24/7 emergency support
Can OGSure cover my ski or winter sports trip?
Yes, OGSure Optional Winter Sports Cover can be added to an eligible policy when you buy your travel insurance. Your planned winter activities, trip dates, age, destination and other policy requirements must all fit the cover rules.
On-piste skiing or snowboarding
Off-piste skiing or snowboarding*
Cross-country skiing on designated routes
Nordic skiing
Big foot skiing
Terrain park skiing or snowboarding
Snowshoeing
Snowmobiling
Snow biking — on-piste only
Dog sledding on recognised trails
Outdoor ice skating
Sledding, tobogganing and snow sleighs
*Off-piste skiing or snowboarding is subject to the policy's safety requirements. This is the policy's named winter sports list, not a general promise to cover every snow activity. Check your exact planned activity before travelling. Terms, conditions and exclusions apply.
We provide senior travellers with cover for the unexpected moments that can disrupt a winter trip.
OGSure is designed for modern travel, also covering travellers whose country of residence does not match their nationality.
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 winter sports travel insurance for seniors
Clear answers about ski insurance, senior age limits and OGSure Optional Winter Sports Cover.
Does OGSure offer winter sports travel insurance for seniors?
Yes, potentially.
Eligible travellers can add Optional Winter Sports Cover to an OGSure travel insurance policy. The additional premium must be paid and the Winter Sports Cover must be shown on your policy documents.
Is skiing automatically covered by OGSure travel insurance?
No.
If you're planning to take part in skiing or another activity listed under the Optional Winter Sports Cover section, you need to add the winter sports option when arranging your policy.
Can I get ski travel insurance if I am over 65?
Yes, potentially.
OGSure does not have a separate lower age limit specifically for the Winter Sports Cover. Eligibility follows the main travel-insurance age and trip rules.
Can I get ski travel insurance if I am over 70?
Yes, potentially.
Eligible travellers in their 70s may still be able to add Optional Winter Sports Cover, provided their policy type, trip duration, destination, dates and planned activities meet the relevant requirements.
Can I get winter sports travel insurance if I am over 75?
Potentially, yes.
Travellers aged 76 to 79 may still qualify for Annual Multi-Trip cover, although each annual trip is limited to 60 days once you're over 75.
Eligible Single Trip cover may remain available up to age 84.
Can I get ski travel insurance if I am over 80?
Potentially, yes.
Eligible travellers aged 80 to 84 may still be able to buy Single Trip cover and add Optional Winter Sports Cover.
Annual Multi-Trip cover is not available once you have reached age 80.
What is the maximum age for OGSure winter sports travel insurance?
The Winter Sports section does not set a separate maximum age.
The main policy age limits apply: eligible Single Trip cover may be available up to age 84, while Annual Multi-Trip cover may be available up to age 79.
How long can OGSure Winter Sports Cover apply?
Optional Winter Sports Cover is limited to a maximum of 60 days in aggregate per Period of Insurance.
Your normal policy trip limits still apply as well.
Does a 90-day Annual Multi-Trip policy mean I can ski for all 90 days?
No.
Even where an eligible Annual Multi-Trip journey can last up to 90 days, the Optional Winter Sports Cover itself is limited to 60 days in aggregate per Period of Insurance.
What winter sports does OGSure cover?
The current policy lists Big Foot skiing, cross-country skiing on designated routes, dog sledding on recognised trails, outdoor ice skating, snowmobiling, Nordic skiing, off-piste skiing or snowboarding subject to safety rules, on-piste skiing or snowboarding, sledding and tobogganing on snow, snow biking on-piste, snowshoeing, and terrain park skiing or snowboarding.
Does OGSure cover on-piste skiing and snowboarding?
Yes, when Optional Winter Sports Cover has been added and the other policy requirements are met.
Does OGSure cover off-piste skiing and snowboarding?
Potentially, yes.
You must observe resort rules, local safety guidance and warnings. Where a guide is required, their advice must be followed, and inexperienced travellers should not go off-piste without guide supervision.
Does OGSure cover backcountry skiing or ski touring?
These activities are not specifically listed in the current Optional Winter Sports Cover list.
OGSure only covers activities permitted by the policy wording, so do not assume an unlisted winter activity is covered.
Does OGSure cover cross-country skiing?
Yes, under Optional Winter Sports Cover when it is undertaken along a designated cross-country ski route and the other policy conditions are met.
Does OGSure cover snowshoeing?
Yes. Snowshoeing is included in the current Optional Winter Sports Cover activity list.
Does OGSure cover snowmobiling?
Yes. Snowmobiling is listed under the current Optional Winter Sports Cover, subject to the policy terms and conditions.
Does OGSure cover terrain parks?
Yes. Terrain park skiing or snowboarding is included in the current Winter Sports activity list.
Does OGSure cover ski equipment?
Yes, subject to the Optional Winter Sports Cover terms.
The policy can cover eligible owned or hired skis and ski equipment for damage, loss or theft, up to the applicable limit and subject to depreciation and any relevant excess.
How much ski equipment cover does OGSure provide?
The current limits are up to £3,000 for GBP policies or $3,750 for USD policies, subject to the policy terms, depreciation and applicable excess.
Is hired ski equipment covered?
Potentially, yes.
The Winter Sports section applies to eligible skis and ski equipment belonging or hired to you, subject to the policy terms and limits.
Does OGSure cover my ski pass?
Yes. Optional Winter Sports Cover extends the policy to include your ski pass.
The current limit is up to £650 or $800, depending on your policy currency.
Does OGSure cover me if I become unable to ski because of illness or injury?
Potentially.
If a medical practitioner at the ski resort certifies that you're unable to ski because of a sudden covered bodily injury or illness, the policy may provide a proportionate refund for eligible unused ski-pack charges.
Does OGSure cover piste closure?
Potentially.
The Piste Closure benefit applies when lack of snow causes a total closure of the lift system at your pre-booked resort for more than 12 hours, subject to the policy conditions.
Is piste closure because of high winds covered?
No under the dedicated Piste Closure benefit.
The Winter Sports exclusions specifically exclude claims arising from lift-system closure caused by avalanches or dangerously high winds.
What does Avalanche or Landslide cover mean?
It can provide eligible additional accommodation or travel expenses when scheduled public transport is cancelled or curtailed following an avalanche or landslide.
It should not be confused with Piste Closure cover.
Are there seasonal restrictions on OGSure Winter Sports Cover?
Yes.
For the Northern Hemisphere, the Winter Sports section does not apply outside 1 November to 30 April.
For the Southern Hemisphere, it does not apply outside 1 May to 30 September.
Can I ski in Europe with OGSure?
Potentially, yes.
Your destination, trip dates, activities, policy type and Optional Winter Sports Cover must all meet the relevant policy requirements.
Can I get ski insurance for Canada, the USA or Japan?
Potentially, yes.
Your destination must fall within the geographical area selected, and the trip must meet the Winter Sports seasonal, activity and other policy requirements.
Can I buy winter sports 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.
Does winter sports insurance cover emergency medical treatment after a ski accident?
Potentially, yes.
Eligible sudden and unforeseen bodily injuries during a covered winter sport can fall within the policy's emergency medical benefits, subject to the policy terms, exclusions and Winter Sports Cover being correctly added.
What should I do if I am seriously injured while skiing?
Get urgent local medical help first and 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.
How much does winter sports travel insurance for seniors cost?
The price depends on factors including your age, residence, destination, travel dates, trip type, policy currency and the optional covers selected.
The quickest way to see your current price is to complete an online quote and add Winter Sports Cover.
When should I buy ski travel insurance?
It usually makes sense to arrange travel insurance soon after booking your trip.
Make sure Optional Winter Sports Cover is selected and shown on your policy before travelling rather than assuming ordinary travel insurance will automatically cover your planned activities.
You may also like
Long stay seniors travel insurance
Annual travel insurance for over 65
Single-Trip Seniors Travel Insurance
Ready to get a quote?
If you are looking for winter sports travel insurance for seniors, OGSure gives you a clearer, more straightforward way to check whether our cover fits the 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.