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Coronavirus (COVID-19)

Please note, from 6pm on 13th March 2020, any new Saga Travel Insurance policies will not provide cover for any claim caused by or relating to Coronavirus Disease (COVID-19).

Up to 30% online discount*

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Annual 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 multiple trips, without the hassle of searching for cover each time you travel.

Destinations and trip length

With an annual travel insurance policy you’re covered to travel:

  • Up to a maximum of 120 days per year in your chosen region
  • Up to 45 days per trip with the option to extend to 60 or 90 days (extensions exclude USA, Canada and the Caribbean Islands policies).

Annual multi-trip policies
Annual multi-trip policy Europe 45 days’ cover per trip as standard, but with option to extend to 60 or 90 days Up to 120 days' total cover per policy year
Worldwide excluding U.S.A., Canada and all Caribbean Islands 45 days’ cover per trip as standard, but with option to extend to 60 or 90 days
Worldwide 45 days’ cover per trip
This region includes the countries that are listed below
Aland Islands Gibraltar Netherlands
Albania Grand Canaria Northern Ireland
Andorra Greece Norway
Armenia Greek Islands Poland
Austria Guernsey Portugal
Azores Holland Republic Of Ireland
Belearic Islands Hungary Rhodes
Belarus Ibiza Romania
Belguim Iceland Russia (West of the Urals)
Bosnia-Herzegovinia Ireland (Northern) San Marino
Bulgaria Isle Of Man Sardinia
Canary Islands Italy Scilly Isles
Channel Islands Jersey Scotland
Corfu Kos Serbia
Corsica Lanzarote Slovakia
Crete Lapland Slovenia
Croatia Latvia Spain
Cyprus Leichtenstein Spanish Region
Czech Republic Lithuania Sweden
Denmark Luxembourg Switzerland
Eire Macedonia Tenerife
England Madeira Turkey
Estonia Majorca Ukraine
Europe Malta United Kingdom
Faroe Islands Menorca Vatican City
Finland Minorca Wales
France Moldova Yugoslavia (former)
Fuerteventura Monaco
Germany Montenegro

Worldwide excluding U.S.A., Canada and all Caribbean islands
This region includes all countries except those listed below
Alaska Dominica Puerto Rico
Anguilla Dominican Republic Saint Barthelemy
Antigua and Barbuda Grenada St Kittis and Nevis
Aruba Guadeloupe St Lucia
Bahamas Haiti St Maarten
Barbados Hawaii St Pierre and Miquelon
Bermuda Jamaica St Vincent and the Grenadines
Bonaire (Antilles) Leeward Islands Trinidad and Tobago
Canada Martinique Turks and Caicos Islands
Caribbean Midway Island United States Minor Outlying Islands
Cayman Islands Montserrat U.S.A.
Cuba Netherlands Antilles Virgin Islands
Curacao Nevis Island

This region includes all countries

Benefits of Saga Travel Insurance:

  • Tailored for the over-50s with no upper age limit
  • Cover for many pre-existing medical conditions
  • Up to £10,000 cancellation cover
  • Up to £10 million emergency medical cover
  • Up to £5,000 baggage cover.

Extra benefits included at no extra cost:

As well as covering the expected, we go further to cover aspects that you may not expect to be included as standard, such as:

  • Up to £1,500 for a replacement flight
  • Up to £1,500 enforced stay cover
  • Up to £5,000 substitute accommodation cover
  • Up to £10,000 abandonment cover.

Find out more about our annual trip cover levels.

To learn more about how we go above and beyond for our customers, take a look at why choose Saga Travel Insurance.

Travel helpline - We’re there for you 24/7

  • English speaking travel assistance helpline – our friendly team will be there for you 24 hours a day for advice before and during your trip
  • They will help you trace lost luggage, replace lost or stolen passports and can help you with translation and interpretation
  • Before you go, they will even give you advice on vaccinations and local information.

Medical assistance when you’re away

With an annual multi-trip travel insurance policy, you are protected in case of illness or injury suffered on your holiday. You’ll also benefit from up to £10 million emergency medical cover, up to £1,000 (£25 per day) for associated expenses during your stay in hospital and we can cover the cost of getting you home if medically necessary.

Cover for your friends and family

Our annual travel insurance is tailored for the over 50s but you can also add your family and friends who are under 50 to your policy, too. Friends and family can also be protected, even if they are travelling without you; a unique feature to the annual multi-trip policy.

Policy limits for each insured person per trip Excess applicable per claim
Cancellation Up to £10,000* Yes
Missed departure Up to £1,000 No
Delayed departure Up to £35 for the first 12 hour period, £15 for each 12 hour period after that No
Abandonment Up to £10,000 Yes
Delayed baggage Up to £250 No
Lost, stolen or damaged baggage Up to £5,000 (£600 single article limit and £1,000 total valuables limit) Yes
Emergency medical and associated expenses Up to £10,000,000 Yes
Hospital benefit Up to £25 for each 24 hour period (£1,000 maximum) No
Personal accident Up to £30,000 (£1,000 if aged under 16, £15,000 if over 70) No
Criminal injury benefit Up to £30,000 No
Substitute accommodation Up to £5,000 Yes
Enforced stay Up to £1,500 Yes
Loss of passport Up to £350 No
Personal money Up to £500 (£300 limit for cash) (£100 limit for cash if aged under 16) Yes
End supplier failure Up to £1,500 No
Pet care Up to £25 for each 24 hour period (£300 maximum) No
Hijack and mugging Up to £50 for each 24 hour period (£1,000 maximum) No
Air rage Up to £1,000 No
Personal liability Up to £2,000,000 Yes
Legal expenses and advice Up to £50,000 No

How does it compare to single trip travel insurance?

Saga’s single trip travel insurance could be ideal for those one-off trips all over the world. Our comprehensive policy will cover you for up to 120 days per trip. However, we are unable to provide cover if you travel to an area that the Foreign, Commonwealth and Development Office has advised against travelling to.


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

* 52% of customers who purchased a new Saga Travel Insurance policy online between January and June 2020 received a discount of 17% or more.