Cruise travel insurance
Planning a cruise? OGSure gives you an easy way to check whether our travel insurance fits the trip you have planned.
Get cruise travel insurance today
Cruises can feel wonderfully simple once you are on board.
Getting the right cruise travel insurance usually means the opposite.
OGSure is designed to make that part easier to understand. Our policy includes Cruise Ship Evacuation, alongside cancellation, emergency medical expenses abroad, evacuation and repatriation, baggage, and delay-related cover.
That makes it a practical option for many travellers looking for cruise travel insurance, provided the trip fits the policy’s eligibility, age, destination, and duration rules.
Cruise travel insurance at a glance
If you want the key details first, here is a simple overview of how OGSure cruise travel insurance works:
Cover feature | OGSure cruise travel insurance |
|---|---|
Cruise Ship Evacuation: | Included in every policy. |
Single-trip cover: | Available for eligible travellers up to age 84. |
Annual cover: | Available for eligible travellers up to age 79. |
Single Trip length: | Up to 30 days. |
Annual Trip length: | Up to 90 days. |
Pre-existing medical conditions: | Excluded. |
Emergency assistance: | Must be contacted for inpatient treatment, MRI or CT scans, medical evacuation, or repatriation. |
If that sounds like the sort of cover you need, keep reading for more on cruise ship evacuation, trip lengths, pre-existing conditions, and emergency support.
What does cruise travel insurance cover?
Depending on your policy, OGSure can include cover for:
- cancellation and curtailment
- emergency medical and related expenses incurred abroad
- evacuation and repatriation
- baggage, cash, and passport issues
- travel delay, missed departure, or abandonment
- personal accident
- public liability
- hijack
- catastrophe cover
- cruise ship evacuation
- optional winter sports cover, if added
This is travel insurance designed for sudden and unforeseen events during your trip. It is not private medical insurance, and all claims are subject to the policy terms, conditions, limits, and exclusions.
If you want the full list of benefits and limits, visit our What We Cover page.
What does cruise ship evacuation cover mean?
Cruise Ship Evacuation is a specific benefit within the OGSure policy.
OGSure will cover up to the policy limit per year towards the cost of your removal from a cruise ship or liner when:
- you suffer a sudden Bodily Injury or Illness and need emergency inpatient treatment that cannot be provided on board
- your evacuation is arranged and carried out by a third party, such as the coastguard, military, or similar organisation
- you receive an invoice for the cost of the evacuation
This cover is there for serious situations where you need urgent medical treatment that cannot be provided on the ship.
It does not cover every removal from a cruise ship, every medical issue at sea, or every transport arrangement. The policy exclusions still apply.
What is not covered by cruise ship evacuation?
Cruise Ship Evacuation does not cover:
- charges if you travelled against medical advice
- charges if you travelled after receiving a terminal prognosis
- removal for a medical condition that does not stop you from continuing to travel
- removal for a condition that does not need immediate emergency inpatient treatment
- costs where you have not received an invoice and have chosen to make a voluntary contribution instead
OGSure is also not liable for the failure of an organisation to provide the removal, or for delays in providing it.
That is the important bit: this benefit is for specific emergency evacuation costs, not a broad “get me off the ship for any reason” button.
Cruise travel insurance for families
A family cruise can be a brilliant way to travel, especially if you want everything in one place: accommodation, meals, entertainment, excursions, and a floating hotel that conveniently relocates overnight.
OGSure may be suitable for eligible families, provided the travellers, destination, trip length, and policy terms all fit.
Family cover can be especially useful where one trip includes different ages, different needs, and multiple moving parts, from flights and hotel stays to embarkation, shore excursions, baggage, and medical support abroad.
Before buying, make sure every traveller is correctly included and that the full trip length is covered.
Pre-existing medical conditions and cruise travel insurance
This is one of the biggest questions cruise travellers have, and rightly so.
Claims arising from pre-existing medical conditions are excluded.
OGSure uses a broad definition of pre-existing medical conditions. This includes conditions where treatment, medication, advice, or diagnosis has been sought or received within the previous five years, as well as known or foreseeable conditions.
That means it is important to read the policy carefully before buying, especially for a cruise where medical treatment at sea or evacuation arrangements may matter more than on a standard land-based trip.
For a plain-English explanation, visit our Pre-Existing Medical Conditions page.
What happens if something goes wrong on a cruise?
If you have a serious medical emergency, OGSure’s emergency assistance rules still apply.
You must contact the 24-hour Emergency Assistance Centre if you require inpatient treatment, MRI or CT scans, medical evacuation, or repatriation.
In many hospitalisation cases, direct payments can often be arranged locally. Repatriation must be approved and arranged by the emergency assistance centre.
Please keep your policy details with you while travelling, as the emergency assistance team will need your certificate information.
Useful pages to keep handy:
Why choose OGSure for cruise travel insurance?
There are plenty of cruise travel insurance pages online. What matters is whether the cover feels clear, credible, and practical.
OGSure is designed to make travel insurance easier to understand by focusing on:
- clear eligibility rules
- straightforward trip-length limits
- Cruise Ship Evacuation included in the policy
- emergency medical expenses abroad
- evacuation and repatriation
- baggage and delay-related benefits
- support pages written in plain English
- easier access to help when something goes wrong
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 cruise travel insurance?
Yes. The policy summary includes Cruise Ship Evacuation cover, alongside cancellation, medical expenses abroad, evacuation and repatriation, baggage, and delay-related benefits.
What is cruise ship evacuation cover?
It is cover up to the policy limit per year towards the cost of your removal from a cruise ship or liner when you suddenly suffer Bodily Injury or Illness, need emergency inpatient treatment that cannot be provided on board, the evacuation is arranged by a third party such as the coastguard or military, and you receive an invoice for the evacuation cost.
Is cruise travel insurance available for families?
OGSure may be suitable for eligible families, provided the travellers, destination, trip length, and planned journey fit the policy rules.
Is cruise travel insurance available for couples?
Yes, OGSure may be suitable for eligible couples taking a cruise, provided the trip fits the policy terms, conditions, limits, and exclusions.
Is cruise travel insurance available for older travellers?
Yes, subject to eligibility. Single-trip cover may be available for eligible travellers up to age 84, while annual multi-trip cover may be available up to age 79.
What is the maximum cruise length covered?
Single Trip policies have a limit of 30 days. Annual Multi-Trip cover can allow trips of up to 90 days, but travellers over 75 have a maximum trip length of 60 days.
Are pre-existing medical conditions covered?
No. Claims arising from 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.
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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.