Cruise travel insurance for seniors
If you are looking for cruise travel insurance for seniors, OGSure gives you a quick and easy way to check whether our cover fits the cruise you have planned.
Get cruise travel insurance for seniors today.
Planning a cruise? OGSure can help eligible senior travellers arrange clear travel insurance for cruise holidays, including cover for cancellation, emergency medical expenses abroad, evacuation and repatriation, baggage, delays and cruise ship evacuation.
Cruises are wonderfully simple once you’re on board. The insurance bit should feel just as clear before you leave.
Cruise cover at a glance
OGSure may be a good fit for eligible senior cruise travellers who want straightforward cover before they sail.
Key things to know:
- Cruise ship evacuation cover is included
- Single-trip cover may be available for eligible travellers up to age 84
- Annual multi-trip cover may be available for eligible travellers up to age 79
- Single-trip cover is limited to trips of up to 30 days
- Annual multi-trip cover can allow trips of up to 90 days, depending on age
- If you are over 75, annual trips are limited to 60 days
- Cover can include cancellation, emergency medical expenses abroad, evacuation, repatriation, baggage and delays
- Pre-existing medical conditions are excluded
- 24/7 emergency assistance is available while you travel
If your cruise fits the age, destination and trip-length rules, you can get a quote online and check your options.
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.Cruise ship evacuation cover
OGSure includes cruise ship evacuation cover, subject to the policy wording.
This can help towards the cost of removal from a cruise ship or liner if:
- you suffer sudden Bodily Injury or Illness
- you 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
The policy does not cover every type of removal from a cruise ship.
For example, cover does not apply if you travelled against medical advice, received a terminal prognosis, do not need immediate emergency inpatient treatment, or made a voluntary contribution without receiving an invoice.
Cover for over 70s and over 80s cruise travellers
OGSure may suit many cruise travellers in their 70s and early 80s, provided the trip fits the policy rules.
For travellers over 70, both single-trip and annual multi-trip cover may be available, depending on age, trip length, destination and policy terms.
For travellers over 75, annual multi-trip cover may still be available, but each trip is limited to a maximum of 60 days.
For travellers aged 80 to 84, single-trip cover may still be available.
Annual multi-trip cover is not available once you have reached age 80.
For travellers aged 85 or over, OGSure is not the right fit.
Single-trip and annual cruise cover
OGSure offers both single-trip and annual multi-trip cover.
Single-trip cruise cover
Single-trip cover is designed for one continuous trip of up to 30 days.
It may be suitable if you are planning one cruise and want cover for that specific journey, including your travel dates before and after sailing.
Annual multi-trip cruise cover
Annual multi-trip cover is designed for people who travel more than once during a 12-month policy period.
It may be useful if you have more than one cruise or holiday planned during the year.
Annual trips can last up to 90 days each, depending on your age. If you are over 75, the maximum trip length is 60 days.
Each trip must begin and end within the annual policy period.
Make sure your full cruise is covered
Your cruise trip is not always just the sailing dates.
When choosing your policy dates, include the full journey, such as:
- the day you leave home
- flights to your departure port
- hotel stays before your cruise
- the full cruise itinerary
- port stops and excursions
- hotel stays after your cruise
- your return journey home
If your trip is longer than the number of days insured, cover may not apply for that trip.
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.Emergency help while you cruise
OGSure includes 24/7 emergency assistance.
If you have a serious medical emergency during your cruise, the emergency assistance team can help guide the next steps.
You must contact the Emergency Assistance Centre as soon as possible if you need inpatient treatment, MRI or CT scans, medical evacuation or repatriation.
In many hospitalisation cases, direct payment can often be arranged locally. Repatriation must be approved and arranged by the emergency assistance team.
Is OGSure right for your cruise?
OGSure may be a good fit if:
- you are planning a cruise within the policy trip-length limits
- you want cover for cancellation, medical emergencies, baggage and delays
- you want cruise ship evacuation cover included
- you are aged up to 84 and looking for single-trip cover
- you are aged up to 79 and looking for annual multi-trip cover
- you understand that pre-existing medical conditions are excluded unless expressly accepted
OGSure may not be right if:
- your trip is longer than the maximum trip length available for your age
- you are aged 85 or over
- you need annual cover and have reached age 80
- you need cover for pre-existing medical conditions that have not been expressly accepted
- your itinerary includes excluded destinations
- you are looking for private medical insurance rather than travel insurance
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 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 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 annual trip is 90 days, but if you are over 75, the maximum trip length is 60 days. Single trips have a limit of 30 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.You may also like
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.