Winter sports travel insurance for seniors
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.
Get winter sports travel insurance for seniors today.
A ski trip can be wonderfully simple in theory.
In practice, it involves icy slopes, hired equipment, lift passes, and at least one person insisting black runs are “actually not that bad”.
OGSure can work for senior winter sports trips, but the details matter.
Our Optional Winter Sports Cover only applies where the relevant extra premium has been paid and your Validation Certificate/Invoice shows that cover.
It is designed to sit alongside the main travel insurance policy, rather than replace it.
That makes this page a good fit for people searching for:
- winter sports travel insurance for over 65,
- winter sports travel insurance over 70,
- over 65 ski travel insurance,
- or over 65 winter sports travel insurance,
as long as the trip still fits the policy’s age and trip-length rules.
Winter sports travel insurance for seniors at a glance
If you want the key details first, here is a simple overview of how OGSure winter sports travel insurance for seniors works:
- Optional extra: winter sports cover only applies if you have paid the extra premium, and it is shown on your Validation Certificate/Invoice
- Maximum winter sports period: 60 days in total per Period of Insurance
- Single-trip cover: available for eligible travellers up to age 84
- Annual cover: available for eligible travellers up to age 79
- Trip length: up to 90 days
- Over 75s: maximum trip length is 60 days
- Winter sports benefits: winter sports equipment, ski pass, piste closure, and avalanche or landslide cover
- Pre-existing medical conditions: excluded
If that sounds like the sort of cover you need, keep reading for more on age limits, trip lengths, cruises, pre-existing conditions, and emergency support.
What does winter sports travel insurance for seniors cover?
Depending on your policy, OGSure can include the standard travel insurance benefits, such as:
- cancellation and curtailment
- emergency medical and related expenses abroad
- evacuation and repatriation
- baggage, cash, and passport issues
- travel delay, missed departure, or abandonment
- personal accident
- public liability
- catastrophe cover
If you have added the optional winter sports upgrade, the benefits also includes:
- Winter Sports Equipment up to £3,000
- Ski Pass up to £650
- Piste Closure at £30 per 24 hours up to £250
- Avalanche or Landslide cover at £30 per 24 hours up to £250
This is travel insurance designed for sudden and unforeseen events during your trip. It is not private medical insurance.
If you want the full list of benefits and limits, visit our What We Cover page.What winter sports are covered?
The policy wording lists a specific set of winter sports and related activities covered under the optional upgrade. These include:
- on-piste skiing or snowboarding
- off-piste skiing or snowboarding, provided local safety guidelines and warnings are observed
- cross-country skiing on a designated route
- snowshoeing
- snow mobiling
- sledding, tobogganing, snow sleighs, and snow biking on-piste
- terrain park skiing or snowboarding
- outdoor ice skating
- dogsledding on recognised trails
Winter sports travel insurance for over 65
If you are looking for winter sports travel insurance for over 65 or over 65 ski travel insurance, OGSure may be a strong fit.
There is no separate winter-sports-only age bracket in the wording. Instead, the winter sports upgrade follows the main policy structure.
That means eligible travellers over 65 can still access cover, provided they are within the general policy age limits and the trip length fits the rules.
For many over-65 travellers, that makes OGSure a reasonable option for ski holidays, snow trips, and family winter breaks where the optional winter sports cover has been added properly.
Winter sports travel insurance over 70
If you are looking for winter sports travel insurance over 70, OGSure may still be a good fit.
For many travellers in their 70s, the winter sports upgrade can sit neatly on top of the standard policy.
Trips can be up to 90 days, unless you are over 75, in which case the maximum trip length becomes 60 days.
The winter sports provision itself also has a 60-day maximum period in total per Period of Insurance.
That means OGSure can work well for many senior ski trips, but it is not built for indefinite snowbird adventures or heroic three-month ski marathons.
Ski equipment, ski pass, piste closure, and avalanche cover
Our winter sports cover extends the baggage section to include damage to, loss of, or theft of skis and ski equipment, whether they belong to you or are hired, subject to the policy limits and depreciation.
It also extends cover to include your ski pass.
If there is a total closure of the lift system in your pre-booked resort because of a lack of snow for more than 12 hours, OGSure will either pay towards travel to another resort or a daily benefit where no alternative resort is available, up to the limits shown in the schedule.
It also includes reasonable extra accommodation and travel expenses may be covered where public transport is cancelled or curtailed because of an avalanche or landslide.
Please note: Claims are not covered where the lift system closure is due to avalanches or dangerously high winds.
Off-piste skiing and sensible behaviour
OGSure does allow off-piste skiing or snowboarding, but it comes with some pretty direct common-sense rules.
You must observe the rules of the resort or area, follow the advice of local guides or instructors, and where off-piste is only allowed with a guide, that guide’s advice should be strictly followed.
If you are inexperienced, you should not go off-piste except under the supervision of a guide.
Seasonal limits for winter sports cover
The optional winter sports cover does not apply to:
- trips in the Northern Hemisphere outside 1 November to 30 April
- trips in the Southern Hemisphere outside 1 May to 30 September
So if someone is planning an off-season snow trip outside those windows, OGSure is unlikely to be the right fit for the winter sports element.
Pre-existing medical conditions and winter sports travel insurance for seniors
Claims arising from pre-existing medical conditions are excluded.
We use a broad definition, including treatment, medication, advice, or diagnosis in the previous five years, and known or foreseeable conditions.
That means it is important to read the policy carefully before buying, especially where the trip involves skiing, snowboarding, or any activity where medical support and evacuation might matter more.
For a plain-English explanation, visit our Pre-Existing Medical Conditions page.Where can you travel with seniors' winter sports travel insurance?
That depends on your country of residence, your destination, and the geographical area selected on your policy.
Your country of residence is generally the country where you normally live or work for more than three consecutive months, and your trip must fall within the policy’s geographical limits.
To check both, use our Where We Cover page.What happens if something goes wrong on a ski trip?
If you have a serious medical emergency abroad, OGSure provides 24/7 emergency assistance.
You must contact the emergency assistance centre if you need inpatient treatment, MRI or CT scans, medical evacuation, or repatriation.
In many hospitalisation cases, direct payment can often be arranged locally.
If you need help before, during, or after your trip, these pages are worth keeping handy:
Why choose OGSure for winter sports travel insurance for seniors?
There are plenty of winter sports travel insurance pages online. 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 age eligibility
- straightforward trip-length rules
- optional winter sports cover that is easy to explain
- named benefits for ski equipment, ski pass, piste closure, and avalanche or landslide disruption
- sensible off-piste guidance
- support pages written in plain English
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
Does OGSure include winter sports travel insurance for seniors?
Yes, but only as an optional extra. The wording says the winter sports cover only applies where the relevant extra premium has been paid and the Validation Certificate/Invoice shows it.
Is winter sports travel insurance for over 65 available?
Yes. OGSure may suit many travellers over 65, provided they are within the policy’s general age limits and the optional winter sports cover has been added.
Is winter sports travel insurance over 70 available?
Yes. OGSure may suit many travellers over 70, provided the trip fits the age and duration rules and the optional winter sports cover has been added.
What winter sports are covered?
The wording lists activities such as on-piste skiing or snowboarding, off-piste skiing or snowboarding subject to local safety guidance, cross-country skiing, snowshoeing, snow mobiling, terrain park skiing or snowboarding, and outdoor ice skating.
What are the winter sports benefit limits?
The summary of benefits shows Winter Sports Equipment up to £3,000, Ski Pass up to £650, Piste Closure £30 per 24 hours up to £250, and Avalanche or Landslide £30 per 24 hours up to £250.
How long can the winter sports cover apply for?
The wording says the maximum period for winter sports cover is 60 days in total per Period of Insurance.
Are there seasonal restrictions?
Yes. The wording excludes trips in the Northern Hemisphere outside 1 November to 30 April, and trips in the Southern Hemisphere outside 1 May to 30 September.
Are pre-existing medical conditions covered?
Pre-existing medical conditions are excluded.
What should I do in a medical emergency?
You must contact the 24-hour Emergency Assistance Centre if you need inpatient treatment, MRI or CT scans, medical evacuation, or repatriation.
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.
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