Cruise travel insurance for seniors
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.
Get cruise travel insurance for seniors today.
Cruises can feel wonderfully simple once you are on board. Getting the right travel insurance usually manages 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 sensible option for many travellers looking for:
- cruise travel insurance for seniors,
- cruise travel insurance for over 70s,
- or cruise travel insurance for over 80s,
as long as the trip fits the policy’s age and duration rules.
Cruise travel insurance for seniors at a glance
If you want the key details first, here is a simple overview of how OGSure cruise travel insurance for seniors works:
- 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
- Trip length: up to 90 days
- Over 75s: maximum trip length is 60 days
- Includes: cancellation, emergency medical expenses abroad, evacuation and repatriation, baggage, delays, and cruise ship evacuation
- 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 age limits, trip lengths, cruises, pre-existing conditions, and emergency support.
What does cruise travel insurance for seniors 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.
If you want the full list of benefits and limits, visit our What We Cover page.What does cruise ship evacuation cover actually mean?
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 in-patient treatment that cannot be provided on board
- your evacuation is arranged and carried out by a third party such as the coastguard or military
- you receive an invoice for the cost of the evacuation
Cruise travel insurance for over 70s
If you are looking for cruise travel insurance for over 70s, OGSure may be a strong fit.
For many travellers in their 70s, the cruise angle sits comfortably within the standard product structure.
Annual multi-trip cover can still be available up to age 79, single-trip cover is available up to age 84, and trips can last up to 90 days unless you are over 75, in which case the maximum becomes 60 days.
That means OGSure can work well for a wide range of cruises, from shorter itineraries to longer sailings, provided the length of the trip and the traveller’s age line up with the policy terms.
Cruise travel insurance for over 80s
If you are looking for cruise travel insurance for over 80s, OGSure may still be relevant, but usually as a single-trip option rather than annual cover.
That is because our policy excludes anyone who has reached age 80 for Annual Trips and age 85 for Single Trips at the start of the period of insurance.
So for travellers in their early 80s, single-trip cruise cover may still be available.
For travellers aged 85 or over, this policy is not the right fit.
Trip limits and cruise length
Cruises vary wildly.
Some are a quick break. Some are a proper long-haul floating migration. That is why trip duration matters here.
Our wording says the maximum duration of any trip must not exceed 90 days, and that members over 75 have a maximum trip length of 60 days.
It also says you must insure the full number of days making up your planned trip. If your trip is longer than the number of days purchased, no cover applies for that trip.
That makes OGSure a good match for many cruises, but not every possible itinerary.
Pre-existing medical conditions and cruise travel insurance for seniors
This is one of the biggest questions cruise travellers have, and rightly so.
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 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.Where can you cruise with OGSure?
That depends on your country of residence, your destination, and the geographical area chosen on the policy.
The wording defines your usual country of residence as 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 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 most cases involving hospitalisation, direct payments will be made locally, and repatriation must be approved and arranged by the emergency assistance centre.
If you need help before, during, or after your trip, these pages are worth keeping handy:
Why choose OGSure for cruise travel insurance for seniors?
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 senior and family travel insurance easier to understand by focusing on:
- clear age eligibility
- straightforward trip-length rules
- specific cruise ship evacuation wording
- support pages written in plain English
- a good fit for many cruise travellers in their 70s and early 80s
- 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 for seniors?
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 of up to £25,000 per year towards the cost of your removal from a cruise ship or liner when you suddenly suffer Bodily Injury or Illness, need emergency in-patient 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 for over 70s available?
Yes. OGSure may suit many cruise travellers over 70, provided the trip fits the policy’s age and duration rules. Annual cover may be available up to age 79, and single-trip cover up to age 84.
Is cruise travel insurance for over 80s available?
Potentially yes, but usually as single-trip cover. The policy excludes anyone who has reached age 80 for annual trips and age 85 for single trips at the start of cover.
What is the maximum cruise length covered?
The maximum duration of any trip is 90 days, but if you are over 75, the maximum trip length is 60 days.
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 cruise travel insurance for seniors, OGSure gives you a clearer, more straightforward way to check whether our cover fits the cruise you have planned.
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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.