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Over 50s Travel Insurance

Up to 30% online discount*

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*66% of customers who purchased a new Saga Travel Insurance policy online between 1 November 2021 and 3 April 2022 received a discount between 15% - 30%.

Defaqto 5 star rated

Travel Insurance

Single trip insurance

Travel for as long as 120 days with up to £10 million medical emergency cover, £5,000 baggage cover and more.

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Annual travel insurance

If you're a regular holidaymaker, our annual travel insurance gives you the benefits of single trip all year round.

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Existing customers

Need to check your Saga policy documents, make a claim, change your details or contact us? Find out how here.

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Cruise travel insurance

All Saga Travel Insurance policies provide cover for cruises, including some benefits specific to cruise-goers.

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Conditions covered

We cover most pre-existing conditions, have no upper age limit and are there for you in a medical emergency.

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Delayed flight?

Enjoy some quiet time in one of more then 950 airport lounges if your flight is delayed by over an hour.

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Have a question?

Want to know more about Saga Travel Insurance? Here are the answers to the questions we're asked most often.

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Be Brexit ready

Don't let politics stop you going on holiday. Here's what you need to know about travelling after Brexit.

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Inspiring Saga Tours

Take a look at our collection of Escorted Tours. There are so many inspiring experiences to choose from.

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Booked your trip and thinking about travel insurance? When you’re looking to compare travel insurance, don’t settle for less.

Saga’s Defaqto 5 Star rated travel insurance includes much more than the basics, as standard. We go above and beyond to ensure you can travel with confidence.

Saga’s range of insurance products is designed specifically for our customers and is unique to us. Saga Travel Insurance is underwritten by Astrenska Insurance Limited, which meets our high standards of quality and service.

Cover for COVID-19 with Saga Travel Insurance

  • Cancellation – If you, a close relative or anyone you are planning to travel with or stay with, receives, in writing, a positive test result for coronavirus within 14 days of your trip commencing, or if you are certified as too ill to travel due to COVID-19 by a medical practitioner, we will pay you up to the amount shown in your policy Schedule for your share of any irrecoverable unused travel and accommodation (including excursions), and other pre-paid charges you have paid or are contracted to pay.
  • Abandonment – If you, a close relative or anyone you are travelling with or staying with receives in writing, a positive test result for coronavirus during your trip we will pay for unused travel and accommodation (including excursions), and other pre-paid charges which you have paid or are contracted to pay provided you are forced to cut your trip short, up to £10,000.
  • Emergency medical expenses and repatriation – up to £10 million (up to £2 million for trips within the UK) – this means associated emergency medical expenses and costs to return you back home following falling ill with COVID-19 on your trip.

If you travel to a country where the FCDO has advised against all but essential travel, you'll have no cover in place for any policy section if the reason for your claim is related to why the FCDO advice is in place. Subject to there being no other Government restrictions in place prohibiting travel. If you travel for essential reasons, see our list of what is deemed essential, then you will have full policy coverage in place.

To find out more about what we cover for COVID-19, please visit our Travel insurance and coronavirus page.

What’s included with Saga Travel Insurance

  • No upper age limit – the policyholder must be over 50
  • Comprehensive cover such as for medical, cancellation and baggage
  • Cover for most pre-existing medical conditions
  • Option to protect up to 9 family and friends of any age, even if they travel without you (on annual multi-trip cover)
  • Cover for over 40 popular leisure activities, plus optional leisure and winter sports activities.

Find out more about what's included with our policies:

Single trip travel insurance

Annual multi-trip travel insurance

Additional features of Saga Travel Insurance that are included as standard

In addition to the cover features that you might expect from your travel insurance, Saga provides so much more so that you can travel with complete confidence:

Substitute accommodation

If you need to move to different accommodation at any time during the trip because your booked accommodation becomes unusable, due to:

  • Natural disaster such as an earthquake or hurricane; or
  • Insolvency of the providers of your accommodation; or
  • An outbreak of food poisoning or infectious disease.

You can claim up to £5,000 to cover additional accommodation and transport costs incurred.

End Supplier Failure

We will cover you for costs up to £1,500 to replace your flight tickets should your scheduled airline become insolvent before or after departure.

Enforced stay

If you can’t reach your destination, return to your pre-booked accommodation or return home, you can claim £100 for every complete 24-hour period, up to a maximum of £1,500.

Or, if after 24 hours it becomes necessary to make alternative arrangements to get to your destination or return home, such as due to airspace or port closure, you can claim up to £1,000 to cover necessary additional travel expenses.

Missed departure

If you arrive at your final departure point too late to board the ship, plane or train that you’re booked to travel on, we will cover you up to £1,000 for the extra accommodation and travel costs you’ll have to pay to reach your final destination. Your reason for lateness must be due to:

  • Failure of scheduled public transport services, such as train cancellations; or
  • Delay to a connecting scheduled flight; or
  • Being involuntarily denied boarding onto your flight (because it was overbooked); or
  • The vehicle you were travelling in to reach your departure point broke down or was involved in an accident.


If you have to abandon your trip due to unforeseen circumstances outside of your control, we will cover you for up to £10,000 to pay for any irrecoverable unused travel and accommodation (including pre-paid excursions), and other pre-paid charges.

Your Saga Travel Insurance policy would also cover you for any additional travel expenses, such as a new flight ticket home.

More information on what to do in cases of travel disruption.

Insurance can be complicated. Visit our frequently asked questions page for some helpful answers to commonly asked questions.

Saga Travel Assistance helpline

Our Travel Assistance service is there to help you and provide 24-hour worldwide support including:

  • How to replace lost or stolen passports, driving licences, air tickets, or other travel documents
  • How to trace your luggage if it is lost or delayed
  • Why, how, where and when you should contact local embassies or consulates
  • How to transfer money from the UK if you need it
  • Guidance for you and relatives, friends or employers if you are unfortunately enough to go into hospital plus a ‘phone home’ service
  • A translation and interpretation service if you need it.

A fast, efficient claims service

We hope your holiday goes without a hitch and you don’t have to make a claim, but if you do:

  • You’ll only pay one excess for your whole claim. This means that if your claim involves multiple sections of your policy – such as missed departure, baggage and medical treatment – you will only need to pay the excess once
  • All our claims advisers are based in the UK and there are no automated telephone menus
  • We aim to ensure that every claim is dealt with quickly and with minimum fuss.

Find out more about our claims process.

Visit our reviews page to see what customers have been saying about our cover and customer service.

Our Trustpilot score is based solely on customer reviews and it's a combined score for all our products.