“Very friendly and responsive to my many many questions and extremely helpful!! Great experience!”
Cruise travel insurance
Planning a cruise? OGSure includes Cruise Ship Evacuation alongside cover for cancellation, emergency medical expenses abroad, evacuation and repatriation, baggage and travel disruption.
Customer reviews
Shared on Trustpilot
“It was so easy to get a quote for our trip to Mauritius.”
“I needed to make a change to my policy and the team was quick to help. Thanks!”
“This was such an effortless experience! Great peace of mind. Thank you so much for answering all my questions!”
“Great experience with the customer service team. They answered my many questions very professionally.”
“Good help when I bought the policy and they seem very responsive.”
“Getting my insurance policy was quick and easy. Simple online interface. No hassles.”
“Affordable with great benefits. Didn't need to claim.”
“We got a policy for our cruise. Had the best price out of all the quotes we looked at.”
Cruise Ship Evacuation included
High medical limits
24/7 emergency support
Is OGSure right for my cruise?
Yes, OGSure can cover cruises under Single Trip or Annual Multi-Trip travel insurance.
Make sure your complete journey — including travel to the port, hotel stays, the cruise itself and your journey home — fits the policy duration and geographical rules
You choose a policy type that fits your plans
Your full cruise journey fits the permitted duration
Your residence and every cruise destination are eligible
Travel before and after the cruise is included
Single Trip cover is currently available for eligible journeys of up to 30 days. Annual Multi-Trip journeys may be up to 90 days, reducing to 60 days once you're over 75. Main policy age, residence, destination, medical and other eligibility rules also apply.
We provide travellers with cover for the unexpected moments that can disrupt a cruise.
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 cruise travel insurance
Clear answers about cruise cover, medical emergencies at sea and what OGSure includes.
What is cruise travel insurance?
Cruise travel insurance is travel insurance designed to cover eligible unexpected problems before or during a cruise holiday.
OGSure includes Cruise Ship Evacuation alongside broader travel-insurance benefits such as eligible cancellation, emergency medical expenses abroad, evacuation and repatriation, baggage and travel disruption.
Does OGSure include cruise cover?
Yes. Cruise Ship Evacuation is included within the current OGSure policy rather than being sold as a separate cruise add-on.
The normal policy terms, eligibility requirements, limits and exclusions still apply.
What is Cruise Ship Evacuation cover?
Cruise Ship Evacuation can help with the cost of removing you from a cruise ship or liner if you suddenly suffer bodily injury or illness and require emergency inpatient treatment that cannot be provided onboard.
The evacuation must be arranged and carried out by a third party, such as a coastguard or military service, and you must receive an invoice for the evacuation cost.
How much Cruise Ship Evacuation cover does OGSure provide?
The current OGSure limits are up to £25,000 under a GBP policy or $31,000 under a USD policy.
There is no excess shown against the Cruise Ship Evacuation benefit in the current benefit schedule.
Does Cruise Ship Evacuation apply to every illness on a cruise?
No.
The benefit is designed for sudden illness or bodily injury requiring emergency inpatient treatment that cannot be provided onboard.
It does not provide general cover for leaving a cruise simply because you feel unwell or no longer wish to continue.
Does OGSure cover emergency medical treatment during a cruise?
Potentially, yes.
Eligible emergency medical and related expenses incurred abroad can be covered subject to the policy terms and exclusions.
The current medical limits are up to £6.5 million or $8 million depending on your policy currency.
Does OGSure cover medical repatriation from a cruise?
Yes, where it is medically necessary and covered by the policy.
Medical evacuation and repatriation must be approved and arranged through the Emergency Assistance Centre.
What should I do if I become seriously ill or injured onboard?
Get immediate help from the ship's medical team or onboard staff first.
Then 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.
Do I need to insure only the cruise dates?
No. You should cover your complete journey.
That may include travel to the port, flights, overnight hotels before embarkation, the cruise itself, accommodation after disembarkation and your complete journey home.
Can a cruise policy cover several countries?
Potentially, yes.
One eligible cruise journey can include several destinations, provided they all fall within your selected geographical cover and the complete itinerary meets the policy requirements.
Should I choose Single Trip or Annual Multi-Trip insurance for a cruise?
Single Trip cover can be a straightforward choice if you have one cruise planned.
Annual Multi-Trip cover may be more convenient if you expect to take several eligible holidays or cruises during the next 12 months.
Your age and trip duration also affect which options are available.
How long can my cruise be with OGSure?
The current Single Trip option covers one continuous journey of up to 30 days.
Annual Multi-Trip journeys can be up to 90 days, reducing to a maximum of 60 days once the traveller is over 75.
Can OGSure cover families on a cruise?
Potentially, yes.
Eligible family members may be able to travel under an OGSure policy, provided the travellers and complete cruise journey meet the policy requirements.
Make sure everyone who needs cover is correctly included.
Can OGSure cover couples on a cruise?
Potentially, yes.
Eligible couples can be covered when the travellers, itinerary and chosen policy meet the relevant requirements.
Does OGSure cover missed cruise departure?
Potentially.
The policy includes Missed Departure or Connection cover for specified events, subject to the policy terms, conditions, limits and exclusions.
The cause of the missed departure matters, so not every missed sailing is automatically covered.
Does OGSure pay if my cruise ship misses a port?
OGSure's current benefit schedule does not list a separate dedicated missed-port benefit.
Some specialist cruise insurance products offer this type of cover, so do not assume OGSure will make a payment simply because a scheduled port is missed.
Does OGSure provide cabin-confinement cover?
The current OGSure benefit schedule does not list a separate cabin-confinement cash benefit.
An eligible underlying illness or injury may still fall within other policy sections, but cabin confinement itself is not shown as a dedicated benefit.
Does OGSure cover unused cruise excursions?
The current OGSure policy does not list a separate dedicated unused-excursion benefit.
Whether another policy section applies will depend on the event that caused the loss and the policy terms.
Does OGSure provide cruise-interruption cover?
OGSure does not currently list a separate dedicated cruise-interruption benefit.
Other sections such as eligible curtailment, emergency medical cover or travel disruption may apply depending on what happened.
Does OGSure cover baggage on a cruise?
Potentially, yes.
The standard policy includes baggage and personal-effects cover, subject to the applicable limits, exclusions, evidence requirements and excess.
Does OGSure cover cancellation of a cruise?
Potentially, yes.
Eligible cancellation and curtailment can be covered for specified sudden and unforeseen events, subject to the policy wording.
Known or foreseeable circumstances and other policy exclusions are not covered.
Can I buy cruise travel insurance 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.
Do I need a medical screening to buy OGSure cruise travel insurance?
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.
Can OGSure cover a Mediterranean cruise?
Potentially, yes.
Your country of residence, destinations, trip duration and selected geographical cover must meet the relevant policy requirements.
Can OGSure cover a Caribbean cruise?
Potentially, yes.
Eligibility depends on your country of residence, the destinations in your itinerary, your selected geographical cover and the policy exclusions.
Can OGSure cover a cruise to the USA or Canada?
Potentially, yes.
Your selected geographical area must include the USA, Canada and every other relevant destination in the itinerary.
Can OGSure cover a world cruise?
Potentially, but the complete world-cruise itinerary must fit within the maximum trip duration available under your policy and all destinations must be eligible.
Long world cruises may exceed OGSure's available trip-duration limits.
Can I buy OGSure cruise insurance if I live outside the UK?
Potentially, yes.
OGSure can cover eligible residents of many countries. Your usual country of residence is generally the country where you normally live or work for more than three consecutive months.
How much does cruise travel insurance cost?
The price depends on factors including your age, country of residence, destinations, complete travel dates, policy type, policy currency and any optional extras selected.
The quickest way to see the current price and available cover is to complete an online quote.
When should I buy cruise travel insurance?
It usually makes sense to arrange travel insurance soon after booking your cruise and other non-refundable travel arrangements.
Buying earlier can also mean eligible cancellation cover is in place for longer before departure rather than waiting until shortly before sailing.
You may also like
Annual Seniors Travel Insurance
Single-Trip Seniors Travel Insurance
Ready to get a quote?
If you are looking for senior travel insurance, OGSure gives you a clear, 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.