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Annual multi-trip travel insurance

Ideal for avid holidaymakers, if you own a property abroad, or have friends and family abroad who you regularly visit, a multi-trip insurance option gives you cover for making several visits, without the hassle of searching for cover each time you travel.

To help you find the right cover for your travel plans, we have two levels of annual multi-trip travel insurance to choose from – Saga Standard and Saga Plus. See how our cover levels compare.

Region	Limits per trip	Limits in total
Europe	45 days’ cover per trip as standard, but with option to extend to 60 or 90 days	Up to 180 days’ total cover per policy year
Worldwide excluding the USA, Canada, Mexico and all Caribbean Islands	45 days’ cover per trip as standard, but with option to extend to 60 or 90 days	Up to 180 days’ total cover per policy year
Worldwide	45 days’ cover per trip as standard, but with option to extend to 60 days	Up to 180 days’ total cover per policy year

Region

Limits per trip

Limits in total

Europe

45 days’ cover per trip as standard, but with option to extend to 60 or 90 days

Up to 180 days’ total cover per policy year

Worldwide excluding the USA, Canada, Mexico and all Caribbean Islands

45 days’ cover per trip as standard, but with option to extend to 60 or 90 days

Up to 180 days’ total cover per policy year

Worldwide

45 days’ cover per trip as standard, but with option to extend to 60 days

Up to 180 days’ total cover per policy year

Policy benefits	Saga Standard	Saga Plus
Cancellation	Up to £10,000	Up to £20,000
Missed departure	Up to £750	Up to £1,500
Delayed departure	Up to £35 for each 12-hour period (£215 maximum)	Up to £50 for each 12-hour period (£300 maximum)
Abandonment	Up to £10,000	Up to £20,000
Delayed baggage	Up to £150	Up to £400
Lost, stolen or damaged baggage	Up to £5,000	Up to £10,000
Emergency medical and associated expenses	Up to £10 million	Up to £20 million
Hospital benefit	Up to £30 for each 24-hour period (£1,000 maximum)	Up to £50 for each 24-hour period (£1,500 maximum)
Personal accident – permanent total disablement	Up to £20,000 (£1,000 if under 16, £10,000 if over 70)	Up to £30,000 (£1,000 if under 16, £15,000 if over 70)
Criminal injury benefit	Up to £20,000	Up to £30,000
Substitute accommodation	Up to £1,500	Up to £5,000
Enforced stay	Up to £100 for each 24-hour period (£1,500 maximum)	Up to £100 for each 24-hour period (£2,000 maximum)
Loss of passport	Up to £500	Up to £1,000
Personal money	Up to £500 (£500 limit for cash, £200 limit for cash if aged under 16)	Up to £1,000 (£650 limit for cash, £200 limit for cash if aged under 16)
Pet care	Up to £25 for each 24-hour period (£150 maximum)	Up to £25 for each 24-hour period (£350 maximum)
Air rage	Up to £1,000	Up to £1,000
Personal liability	Up to £2 million	Up to £3 million
Legal expenses	Up to £50,000	Up to £50,000
Cruise – missed port		Up to £100 per port, up to a maximum of £300
Cruise – rejoin		Up to £1000