Frequently asked questions
Insurance can be complicated - that's why we've created a list of questions that are commonly asked about Saga Travel Insurance.
*Customers who purchased a Saga Travel Insurance policy online between July and August 2018, on average received a discount of 30%.
Buying a policy
We offer single trip and annual multi-trip policies. Single trip policies cover up to 120 days maximum trip duration. Annual multi-trip policies cover any number of trips not exceeding 45 days each as standard (see Eligibility and cover for extensions available) in a 12-month period and up to 120 days total cover per policy year.
If accepted, our policies cover any pre-existing medical conditions that have been declared.
With a Saga Travel Insurance policy, cancellation cover starts from the date you take out the policy or book the trip. In the unfortunate event that you have to cancel your holiday, our policy can offer up to £10,000 cancellation cover. Maintaining continuous cover with an annual policy could give you the freedom to book last minute trips.
At Saga we offer comprehensive cover to suit your needs when travelling. To enable us to do this we require details of your medical health so that we can assess whether we can offer insurance to suit your needs.
Yes, the European Health Insurance Card (EHIC) is not a substitute for travel insurance – it is complementary to it. An EHIC does not cover you for all the medical costs that you can incur or for repatriation, lost baggage or cancellations.
Eligibility and cover
Policyholders must be aged 50 or over. There is no upper age limit and other travellers added to your policy can be of any age.
No, we can offer cover no matter who you book your holiday with.
No, Saga only covers round trips that start in and return to the United Kingdom.
Unfortunately we would not be able to provide you with cover - our policies only cover UK residents.
Yes, it is not compulsory to take out the insurance offered by travel agents or tour operators and you have the right to shop elsewhere if you so wish. However, they may ask you to prove that you have sufficient cover for the trip in question by asking for your policy number and cover details.
Yes, if they are listed on an annual multi-trip policy they can travel independently and still benefit from the same cover as you. This does not apply to single trip policies.
From 13 December 2018 Saga Travel Insurance customers can select from 3 levels of excess to pay in the event of a claim:
Please see our summary of cover section for details of when an excess is applicable.
No, our policy covers money and baggage as standard within the overall price of the policy.
We are able to extend up to 90 days if you are travelling anywhere outside the U.S.A., Canada or any Caribbean Islands. If travelling to these countries the maximum duration is 45 days or alternatively 120 days under a single trip policy.
Saga Travel Assistance is a helpline service that helps you sort out all kinds of travel problems before you go and while you are away, from information on the country you are visiting to advice and guidance on how to replace lost or stolen passports, luggage and travel documents.
Taking out travel insurance before you go abroad is not a legal requirement, although some tour operators may insist that you have evidence of a valid travel insurance policy. However, it does protect you against medical treatment costs which are much higher than we pay in the UK, as well as providing cancellation cover, and other benefits. Not to mention the peace of mind knowing you are covered against the unexpected whilst abroad.