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        </link:roleType>
        <link:roleType roleURI="http://oxbridgere.com/role/NetWorthForRegulatoryPurposesDetailsNarrative" id="NetWorthForRegulatoryPurposesDetailsNarrative">
          <link:definition>999062 - Disclosure - NET WORTH FOR REGULATORY PURPOSES (Details Narrative)</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://oxbridgere.com/role/ScheduleOfOperatingLeaseCostDetails" id="ScheduleOfOperatingLeaseCostDetails">
          <link:definition>999063 - Disclosure - SCHEDULE OF OPERATING LEASE COST (Details)</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
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        </link:roleType>
        <link:roleType roleURI="http://oxbridgere.com/role/ScheduleOfOtherLeaseInformationDetails" id="ScheduleOfOtherLeaseInformationDetails">
          <link:definition>999064 - Disclosure - SCHEDULE OF OTHER LEASE INFORMATION (Details)</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://oxbridgere.com/role/ScheduleOfFutureMinimumLeasePaymentDetails" id="ScheduleOfFutureMinimumLeasePaymentDetails">
          <link:definition>999065 - Disclosure - SCHEDULE OF FUTURE MINIMUM LEASE PAYMENT (Details)</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
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        </link:roleType>
        <link:roleType roleURI="http://oxbridgere.com/role/LeasesDetailsNarrative" id="LeasesDetailsNarrative">
          <link:definition>999066 - Disclosure - LEASES (Details Narrative)</link:definition>
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          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
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        <link:roleType roleURI="http://oxbridgere.com/role/RelatedPartyTransactionsDetailsNarrative" id="RelatedPartyTransactionsDetailsNarrative">
          <link:definition>999067 - Disclosure - RELATED PARTY TRANSACTIONS (Details Narrative)</link:definition>
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          <link:usedOn>link:calculationLink</link:usedOn>
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        <link:roleType roleURI="http://oxbridgere.com/role/ScheduleOfPropertyAndEquipmentDetails" id="ScheduleOfPropertyAndEquipmentDetails">
          <link:definition>999068 - Disclosure - SCHEDULE OF PROPERTY AND EQUIPMENT (Details)</link:definition>
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          <link:usedOn>link:calculationLink</link:usedOn>
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        <link:roleType roleURI="http://oxbridgere.com/role/SubsequentEventsDetailsNarrative" id="SubsequentEventsDetailsNarrative">
          <link:definition>999069 - Disclosure - SUBSEQUENT EVENTS (Details Narrative)</link:definition>
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          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
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        <link:linkbaseRef xlink:type="simple" xlink:href="oxbr-20251231_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:title="Presentation Links" />
        <link:linkbaseRef xlink:type="simple" xlink:href="oxbr-20251231_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:title="Label Links" />
        <link:linkbaseRef xlink:type="simple" xlink:href="oxbr-20251231_cal.xml" xlink:role="http://www.xbrl.org/2003/role/calculationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:title="Calculation Links" />
        <link:linkbaseRef xlink:type="simple" xlink:href="oxbr-20251231_def.xml" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:title="Definition Links" />
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    <import namespace="http://www.xbrl.org/2003/linkbase" schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd" />
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    <element id="OXBR_TransferToLevelOne" name="TransferToLevelOne" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="OXBR_ChangeInValuationInputsOrOtherAssumptions" name="ChangeInValuationInputsOrOtherAssumptions" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="OXBR_ClassOfWarrantsOrRightExpireTerm" name="ClassOfWarrantsOrRightExpireTerm" nillable="true" xbrli:periodType="duration" type="xbrli:durationItemType" substitutionGroup="xbrli:item" />
    <element id="OXBR_ProceedsFromIssuanceOfDebtEpsiloncatReDeltacatReTokenholders" name="ProceedsFromIssuanceOfDebtEpsiloncatReDeltacatReTokenholders" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
</schema>
