Travel insurance and coronavirus
This is in addition to emergency medical cover should you fall ill with coronavirus while on holiday.
We’ll also cover repatriation to get you home, if deemed medically necessary.
If you’ve already purchased a Saga Travel Insurance policy and would like to check what cover you have in place regarding coronavirus, please visit our coronavirus update page or check your Policy Book.
It’s important to note that Saga Travel Insurance is not able to cover any other claims that relate to coronavirus. Please see the Policy Book for full terms and conditions.
For more information about the coronavirus cover and to see what is and isn’t covered, see below.
Included with Saga Travel Insurance:
- Up to £10,000 cover for cancellation
- Up to £10 million cover for emergency medical expenses
- 24-hour medical support helpline
- Cover for most pre-existing medical conditions
- Up to £1,500 cover for end supplier failure, for example to cover replacement flights if your scheduled airline goes into administration.
Booking a holiday for 2022?
Perhaps you’ve decided to postpone your trip due to the ongoing uncertainty over travel restrictions. It’s possible to purchase Saga Travel Insurance up to a year in advance, so as long as your return date is within 12 months, you’ll be able to get a quote online.
Whether you’re planning a getaway for later this year or further down the line, by organising your travel insurance now, you’ll already have one important thing ticked off your holiday checklist. You’ll also be covered for unforeseen events before you jet off.
Frequently asked questions
Is it possible to buy a new travel insurance policy?
Yes, you can buy a new single-trip or annual multi-trip travel insurance policy from Saga. It will cover emergency medical costs if you become ill with coronavirus while you’re away and cancellation if you test positive for COVID-19 within 14 days of your trip’s departure date, but it will not cover any other travel disruption in relation to the pandemic.
What travel insurance covers coronavirus?
A number of travel insurance providers have stopped selling new policies altogether and many others have put restrictions in place regarding claims relating to coronavirus.
Both Saga’s single trip and annual multi-trip policies include emergency medical cover and repatriation if you fall ill with coronavirus while on your trip, cancellation if you receive a positive test result for COVID-19 within 14 days of your trip’s departure date and abandonment if you test positive while you’re away and need to cut your trip short.
You’ll be able to claim up to the limit shown in your policy schedule.
What happens if I travel against FCDO advice?
The Foreign, Commonwealth and Development Office advice is changing all the time with little or no notice. If you travel to a country where the FCDO has advised against all but essential travel, for a non-essential reason, 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, for example COVID-19.
If you travel for essential reasons, see this list of what is deemed essential, then you will have full policy coverage in place.
However, if you travel to a country where the FCDO advise against all travel then we are not able to provide any cover.
Visit the Government website to see the most up-to-date travel advice.
What is deemed as an essential reason for travel?
There are a limited number of reasons that are classed as ‘essential’. These are:
- Work – Travel for business or work purposes where it is not reasonably possible to complete that work within the UK.
- Volunteering – To provide voluntary services, where it is not reasonably possible to provide those voluntary services from within the UK.
- Education – For academic studies or professional qualifications where physical presence outside the UK is reasonably necessary or where activities must be completed overseas.
- Medical or visits to provide care – This includes:
- where it is reasonably necessary to leave the UK to access medical treatment or attend a clinical appointment
- to accompany a person to a medical appointment where you are a member of their household, close family member or friend
- to avoid injury or illness or escape risk of harm (such as domestic abuse)
- to visit someone who is dying, critically ill, or receiving treatment in a hospital or hospice
- to provide emergency assistance
- to access maternity services, or to be with someone who is giving birth if the mother has requested you
- to be with a baby receiving neonatal critical care, where you are a member of the baby’s household, a close family member or a friend
- where it is reasonably necessary to provide care and assistance to a vulnerable person – this includes if the person is 70 or over, pregnant or has an underlying health condition
- Weddings or civil partnerships – You can only travel out of the UK to attend your wedding or civil partnership, or a close family member’s wedding or civil partnership. In both cases one or both people getting married or entering into a civil partnership must live outside the UK.
- Funerals – It is still a reasonable excuse to travel abroad for a funeral, but it will not be a reasonable excuse to travel for commemorative events, or to visit a burial ground.
- Non-UK resident who has been in UK temporarily, including transit passengers – If you do not permanently reside in the UK and are in England temporarily, you would have a permitted reason to leave the UK.
- Elite sports – It is a reasonable excuse to travel abroad if you are an elite sportsperson, a coach of an elite sportsperson, or a parent of an under 18 elite sportsperson, and it is necessary for training or competition for you to leave the UK.
- Children and dependents – If you have a reasonable excuse for travel and it is not possible for alternative arrangements to be made for your children or dependent’s care, then your child or dependent will have a reasonable excuse for travel.
- Any other reason that has been pre-agreed by Saga.
What if I contract coronavirus while overseas?
Saga Travel Insurance policyholders should call our emergency medical helpline as soon as possible. The phone line is open 24/7 and an English-speaking advisor will be able to help you find the most appropriate place to seek medical attention.
Within the EU, your European Health Insurance Card (EHIC) or Global Health Insurance Card (GHIC) will entitle you to treatment on the same terms as a local. Elsewhere, your travel insurance will cover the cost of emergency medical treatment.
Will I be covered if my trip is within the UK?
If you contract COVID-19 whilst on a trip in the UK, for which you have taken out a Saga Travel Insurance policy, the policy will provide cover for cancellation and abandonment as well as emergency medical and associated costs not covered by the National Health Service. Please see the Policy Books for full details.
Please note, cover under the medical expenses benefit has been extended to £2,000,000 for trips that take place within the UK. This replaces the £5,000 limit shown in the Policy Book.
Saga cover scenarios for COVID-19 cancellation and curtailment
For all new policies purchased on or after 12th August 2020, we have added in cover if your trip is disrupted due to coronavirus (COVID-19).
For existing Annual trip customers, this also applies if you have a trip due to start on or after 1st August 2020.
To help you understand this cover, we have set out common scenarios that may disrupt your trip with an explanation of what is or is not covered.
It is important that the scenarios set out below are read alongside the full terms and conditions contained in your policy book. Travel insurance policies are there to cover your holiday costs that you cannot get back from any other source. Therefore, we may ask you to contact your travel and accommodation provider(s) or credit card issuer, to discuss if a refund is available.
Before you start your trip
|You fall ill with COVID-19 before you are due to travel||Covered. Provided you test positive within 14 days of your trip starting, you can provide us with a test result and did not buy this policy after receiving a positive result within 14 days of travel|
|A close relative** falls ill with COVID-19||Covered. Provided your close relative tests positive within 14 days of your trip starting, you can provide us with a test result, and you did not buy this policy after receiving a positive result within 14 days of travel|
|Someone you are due to stay with falls ill from COVID-19||Covered. Provided the person you are due to stay with tests positive within 14 days of your trip starting, you can provide us with a test result, and you did not buy this policy after receiving a positive test result within 14 days of travel|
|Your travelling companion falls ill from COVID-19||Covered. Provided your travelling companion tests positive within 14 days of your trip starting, you can provide us with a test result, and you did not buy this policy after receiving a positive result within 14 days of travel|
|A close relative** passes away from COVID-19||Covered. Subject to usual terms and conditions|
|Someone you are due to stay with on your trip, passes away from COVID-19||Covered. Subject to usual terms and conditions|
|Your travelling companion passes away from COVID-19||Covered. Subject to usual terms and conditions|
|The area where you live or where you are departing on your trip from is locked down||Not covered. We would recommend you speak to your tour operator to understand the options open to you. Following that, please contact us to discuss altering your insurance|
|You no longer want to travel because you are concerned you may catch COVID-19||Not covered. We would recommend you speak to your tour operator to understand the options open to you. Following that, please contact us to discuss altering your insurance|
|The Foreign, Commonwealth and Development Office advises against traveling to your intended destination due to COVID-19||Not covered. We would recommend you speak to your tour operator to understand the options open to you. Following that, please contact us to discuss altering your insurance|
|You are contacted under the track and trace initiative and advised to self-isolate|
|Your GP advises you not to travel due to COVID-19||Not Covered. There is no cover for this, unless you test positive for COVID-19 within 14 days of your trip starting|
|The government introduces compulsory quarantine for travellers coming back from your intended destination and you no longer want to travel|
|A letter advising you or anyone you are due to travel with or stay with, to shield|
After your trip has started
|You test positive for COVID-19 at your departure point and are not allowed to go on your trip||Covered. You can claim unused travel and accommodation costs|
|You test positive for COVID-19 when you arrive at your destination and are not allowed to continue on your trip||Covered. You can claim unused travel and accommodation costs and for any medical expenses you incur while abroad|
|During your trip abroad you fall ill with COVID-19 and you are hospitalised.||Covered. You can claim unused travel and accommodation costs from the day you go into hospital and for any medical expenses you incur while abroad. Anyone else travelling with you who are also on the policy can claim for additional accommodation costs if they need to stay with you|
|During your trip you fall ill with COVID-19 and you require a medical escort to help you home||Covered. We will pay to return you to the UK with a medical escort when assessed by our medical staff as necessary|
|While on your trip a close relative** passes away from COVID-19 back in the UK||Covered. We will pay for travel and accommodation costs you could not use if you return to the UK|
|During your trip, your travelling companion passes away from COVID-19||Covered. We will pay for travel and accommodation costs you could not use if you cut short your trip and return to the UK|
|The Foreign, Commonwealth and Development Office advises against travel to your destination during your trip and advise UK nationals to return to the UK||Not Covered. We suggest you contact your travel and accommodation providers to see if they can help get you back to the UK|
|Someone in your hotel has tested positive for COVID-19 and you are told to stay in your hotel room by a local medical practitioner||Not Covered if you do not test positive for COVID-19. If you do test positive, we will pay for unused travel and accommodation costs you could not use from the point you are quarantined to your hotel room and for any medical expenses you incur|
|The area you are staying in is locked down by the government||Not Covered. There is no cover for actions taken by a government|
|You are held in compulsory quarantine in your holiday accommodation on the instruction of local government or a public health official||Not Covered. There is no cover for actions taken by local government or a public health official|
|While you are on holiday there is a spike in local cases, and you wish to cut short your holiday||Not Covered. There is no cover in this instance|
|You are not allowed to board your transportation because you have showed signs of having COVID-19 and you miss your flight||Not Covered if you test negative. If you test positive you can claim for unused travel and accommodation costs if you are unable to continue on your trip|
|You arrive at your destination to find all nationals from the UK have to quarantine for 14 days on arrival and you wish to cut your trip short||Not Covered. There is no cover if the instruction to quarantine comes from a government|
** Close Relative: Mother, father, sister, brother, wife, husband, civil partner, daughter, son, grandparent, grandchild, parent-in-law, son-in-law, daughter-in-law, sister-in-law, brother-in-law, step parent, step child, step sister, step brother, foster child, legal guardian, common law partner (defined as living together at the same address and including same sex relationships) or fiancé/fiancée.
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.