Cover summary

2017 Defaqto Travel Insurance Logo
Whatever your needs, Saga could provide a level of cover to suit you. We offer a single policy for one-off trips or, if you plan to travel more than once in a year, or for more than 30 consecutive days, an annual multi-trip policy may prove more cost effective.

The following tables provide an overview of what is covered by a Saga Travel Insurance policy, as well as the benefits of our additional cover options.


Destinations and durations
Single trip
All destinations
Up to a total of 120 days' cover per single trip policy.
Annual multi-trip


Europe
45 days' cover per trip as standard, but with option to extend to 60 or 90 days
Up to a total of 120 days' cover per policy year
Worldwide excluding U.S.A., Canada, Mexico 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 

Both our single trip and annual multi-trip travel insurance policies include the following features listed in the below tables.


Policy limits for each insured person per trip Excesses per claim
Cancellation Up to £10,000 £70 (£10 loss of deposit)
Missed departure Up to £1,000 Nil
Delayed departure Up to £35 for the first 12 hour period £15 for each 12 hour period after that Nil
Abandonment Up to £10,000 £70
Delayed baggage Up to £250 Nil
Lost, stolen or damaged baggage Up to £5,000 (£600 single article limit and £1,000 total valuables limit) £70
Emergency medical and associated expenses Up to £10,000,000 £70
Hospital benefit Up to £25 for each 24 hour period (£1,000 maximum) Nil
Personal accident Up to £30,000 (£1,000 if aged under 16) (£15,000 if over 70) Nil
Criminal injury benefit Up to £30,000 Nil
Substitute accommodation Up to £5,000 £70
Enforced stay Up to £1,500 £70
Loss of passport Up to £350 Nil
Personal money Up to £500 (£300 limit for cash) (£100 limit for cash if aged under 16) £70
Replacement flight Up to £1,500 Nil
Pet care Up to £25 for each 24 hour period (£300 maximum) Nil
Hijack and mugging Up to £50 for each 24 hour period (£1,000 maximum) Nil
Air rage Up to £1,000 Nil
Personal liability Up to £2,000,000 Nil or £70
Legal expenses and advice Up to £50,000 Nil

Optional cover: Winter Sports


Policy limits for each insured person per trip Excesses per claim
Equipment Up to £750 for your equipment
Up to £550 for hired equipment
£70
£70
Delay due to avalanche Up to £300 Nil
Piste closure Up to £30 or £40 for each day (£400 maximum) Nil
Ski pack Up to £350 Nil
Inability to take part in winter sports activities £20 for each day (£200 maximum) Nil

*93% of Saga Travel Insurance customers who had a quote between 1 May 2017 and 31 July 2017 would have received a 20% online discount when they bought online. Discount may be withdrawn at any time and applies to the first year only.