“Very friendly and responsive to my many many questions and extremely helpful!! Great experience!”
Cruise travel insurance for seniors
Planning a cruise? OGSure offers senior travellers travel insurance with Cruise Ship Evacuation included.
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
Cover up to age 84
24/7 emergency support
Is this insurance right for my cruise?
Yes, OGSure offers senior travellers travel insurance with Cruise Ship Evacuation included, plus cover for eligible cancellation, medical emergencies abroad, evacuation and repatriation, baggage and travel disruption.
You're aged 84 or younger
You need Single Trip or Annual Multi-Trip cover
Your full cruise trip fits the permitted duration
Your residence and cruise destinations are eligible
Single Trip cover may be available up to age 84 for trips of up to 30 days. Annual Multi-Trip cover may be available up to age 79, with trips of up to 90 days or 60 days once you're over 75. Cruise Ship Evacuation is subject to its specific policy conditions. Terms, limits, exclusions and excesses apply.
We provide senior 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 for seniors
Clear answers about cruise cover, age limits, medical emergencies at sea and choosing OGSure for your cruise.
Does OGSure offer cruise travel insurance for seniors?
Yes. OGSure travel insurance can cover eligible senior cruise holidays and includes Cruise Ship Evacuation as a policy benefit.
Other eligible benefits can include cancellation and curtailment, emergency medical expenses abroad, evacuation and repatriation, baggage and travel disruption.
What is Cruise Ship Evacuation cover?
Cruise Ship Evacuation is designed for serious medical situations where you suddenly become ill or suffer bodily injury and require emergency inpatient treatment that cannot be provided on board.
The evacuation must be arranged and carried out by a third party, such as a coastguard, military service or similar organisation, and you must receive an invoice for the evacuation cost.
How much Cruise Ship Evacuation cover does OGSure provide?
OGSure currently provides up to £25,000 or $31,000 towards an eligible Cruise Ship Evacuation.
The benefit is subject to the policy terms, conditions and exclusions.
Does Cruise Ship Evacuation cover every medical problem on a cruise?
No.
It is intended for sudden illness or bodily injury requiring emergency inpatient treatment that cannot be provided onboard.
It does not apply simply because you feel unwell or would prefer to leave the ship.
Can seniors over 70 get OGSure cruise travel insurance?
Yes, potentially.
Eligible travellers in their 70s may still have a choice between Single Trip and Annual Multi-Trip cover, depending on their age, trip duration, residence, destinations and other policy requirements.
Can seniors over 75 get cruise travel insurance?
Yes, potentially.
Travellers aged 76 to 79 may still be eligible for Annual Multi-Trip cover, but each eligible annual trip is limited to 60 days once you're over 75.
Single Trip cover may remain available up to age 84 for trips within the current Single Trip duration limit.
Can seniors over 80 get cruise travel insurance?
Yes, potentially.
Eligible travellers aged 80 to 84 may still be able to buy Single Trip travel insurance for a cruise.
Annual Multi-Trip cover is not available once you have reached age 80.
What is the maximum age for OGSure cruise travel insurance?
Eligible Single Trip cover may be available up to age 84.
Annual Multi-Trip cover may be available up to age 79.
Should I choose Single Trip or Annual Multi-Trip cover for a cruise?
Single Trip cover may be suitable if you have one cruise planned and your complete journey fits within the current 30-day Single Trip limit.
Annual Multi-Trip cover may be more convenient if you're within the annual age limits and expect to take more than one eligible cruise or holiday during the policy year.
How long can my cruise be with OGSure?
The current Single Trip option covers one continuous trip of up to 30 days.
Annual Multi-Trip journeys can be up to 90 days for eligible travellers aged 75 or younger. Once you're over 75, each eligible annual journey is limited to 60 days.
Do I need to insure just the cruise dates or my entire holiday?
You should include your complete journey.
That can include the day you leave home, flights or other transport to the port, hotels before the cruise, the sailing itself, port stops, hotels afterwards and your journey home.
Can I add hotel stays before or after my cruise?
Potentially, yes.
Those stays can form part of the same continuous insured journey, provided your full itinerary remains within your permitted trip duration and geographical cover.
Can one cruise policy cover several countries?
Potentially, yes.
A cruise can visit multiple eligible destinations provided your itinerary falls within the geographical area covered by your policy.
Make sure the relevant destinations in your cruise itinerary are included when arranging cover.
Does OGSure cover emergency medical treatment during a cruise?
Yes, subject to the policy terms and exclusions.
OGSure can provide up to £6.5 million or $8 million for eligible emergency medical and related expenses abroad, with medical evacuation and repatriation included within that limit.
What should I do if I become seriously ill on a cruise?
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.
Does OGSure cover medical repatriation from a cruise?
Yes, subject to the policy terms and medical necessity.
Repatriation must be approved and arranged by the Emergency Assistance team.
Does OGSure cover missed cruise departure?
OGSure includes missed departure or connection cover for certain insured events, subject to the policy terms, conditions, limits and exclusions.
The circumstances that caused you to miss your departure matter, so check the policy wording rather than assuming every missed sailing is covered.
Does OGSure provide a separate missed-port benefit?
OGSure's current published policy does not list a separate dedicated benefit simply because the ship misses a scheduled port.
Some specialist cruise policies offer this type of benefit, so check the OGSure wording carefully if missed-port compensation is important to you.
Does OGSure provide cabin-confinement cover?
OGSure's current published policy does not list a separate cabin-confinement cash benefit.
Eligible medical expenses may still be covered when the underlying illness or injury meets the policy terms, but cabin confinement itself is not shown as a dedicated benefit.
Does OGSure cover unused cruise excursions?
OGSure's current published policy does not list a dedicated unused-excursion benefit simply because you cannot take part in a booked excursion.
Always check whether another policy benefit applies to the circumstances that caused the loss.
Does OGSure include cruise-interruption cover?
OGSure does not currently list a separate dedicated cruise-interruption benefit.
Other policy sections, such as eligible curtailment, medical evacuation or travel disruption, may apply depending on what happened and the policy terms.
Can I buy OGSure 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 for OGSure senior cruise 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 world cruise?
Potentially, but your complete journey must fit the maximum trip duration available for your age and all destinations must fall within your geographical cover.
A long world cruise may exceed OGSure's available trip-duration limits, particularly for older travellers.
Can OGSure cover a Mediterranean cruise?
Potentially, yes.
Cover depends on your country of residence, the destinations in your itinerary, your trip length and other policy requirements.
Can OGSure cover a Caribbean cruise?
Potentially, yes.
Your eligibility depends on your country of residence, the geographical area selected, the destinations included in your itinerary and the policy exclusions.
Can OGSure cover a cruise to the USA or Canada?
Potentially, yes.
Make sure the geographical area selected includes the USA, Canada and every other destination included in your itinerary.
Can I buy OGSure cruise travel insurance if I live outside the UK?
Potentially, yes.
OGSure can cover eligible residents of many countries. Your usual country of residence is generally where you normally live or work for more than three consecutive months.
How much does senior cruise travel insurance cost?
The price depends on factors including your age, country of residence, cruise destinations, full travel dates, trip type, policy currency and any optional extras selected.
The quickest way to see your current price and available cover is to complete an online quote.
When should I buy travel insurance for a cruise?
It usually makes sense to arrange travel insurance soon after booking your cruise and other non-refundable travel arrangements.
For Single Trip policies, eligible cancellation cover can begin when the insurance is taken out, so waiting until just before sailing can leave part of the period before departure uninsured.
You may also like
Seniors winter sports travel insurance
Annual Seniors Travel Insurance
Ready to get a quote?
If you are looking for cruise travel insurance for seniors, OGSure gives you a clearer, more straightforward way to check whether our cover fits the cruise 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.