Frequently asked questions

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Insurance can be complicated - that's why we've created a list of commonly asked questions about Saga Travel Insurance and provided helpful answers.

*Customers who got a Saga Travel Insurance online quote and bought between 1 August 2017 to 15 October 2017, would save an average of 25% off their premium.  Discount may be withdrawn at any time and applies to the first year only.

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.

If you are likely to be taking more than one trip a year or you are travelling for more than 30 consecutive days then you may find that our annual multi-trip travel insurance policy is more cost effective than taking out a separate single trip policy each time you travel.

The advantage of annual multi-trip insurance is that cancellation cover is already in place should you want to go on a last minute holiday or city break.

If you only take the occasional trip, whether in the UK or overseas, you may find a single trip policy more suitable. Our single trip travel insurance is for trips up to 120 days in length and covers cancellations, medical expenses and much more.


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.

You can cancel your policy within 14 days of either the date of purchase of the policy or the date of receiving your policy documents, whichever is latest.

  • If your cover (including cancellation cover) has not commenced, you will be entitled to a full refund
  • If your cover (including cancellation cover) has commenced we will give you a pro rata refund of premium based on the cover you have already had
  • If you wish to make a claim or have made a claim already, no refund of premium will be given
  • You cannot cancel your policy if the trip return date is within 30 days of the policy start date
  • If you cancel your policy after the 14 day cooling off period, no refund of premium will be given.

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.

No, the policy excess is standard and cannot be changed. Please see our summary of cover section for details of our excesses applied per claim.

No, our policy covers money and baggage as standard within the overall price of the policy.

Our policy covers over 40 different activities as standard. See our leisure and winter sports activities for a list.

We are able to extend up to 90 days if you are travelling anywhere outside the U.S.A., Canada, Mexico 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.