TRAVEL INSURANCE

If you need to move to different accommodation at any time during the trip because your booked accommodation becomes unusable, due to:

• Natural disaster such as an earthquake or hurricane; or
• Insolvency of the providers of your accommodation; or
• An outbreak of food poisoning or infectious disease.

You can claim up to £5,000 to cover additional accommodation and transport costs incurred.

We will cover you for costs up to £1,500 to replace your flight tickets should your scheduled airline become insolvent before or after departure.

If you can’t reach your destination, return to your pre-booked accommodation or return home, you can claim £100 for every complete 24-hour period, up to a maximum of £1,500.

Or, if after 24 hours it becomes necessary to make alternative arrangements to get to your destination or return home, such as due to airspace or port closure, you can claim up to £1,000 to cover necessary additional travel expenses.

If you arrive at your final departure point too late to board the ship, plane or train that you’re booked to travel on, we will cover you up to £1,000 for the extra accommodation and travel costs you’ll have to pay to reach your final destination. Your reason for lateness must be due to:

• Failure of scheduled public transport services, such as train cancellations; or
• Delay to a connecting scheduled flight; or
• Being involuntarily denied boarding onto your flight (because it was overbooked); or
• The vehicle you were travelling in to reach your departure point broke down or was involved in an accident.

If you have to abandon your trip due to unforeseen circumstances outside of your control, we will cover you for up to £10,000 to pay for any irrecoverable unused travel and accommodation (including pre-paid excursions), and other pre-paid charges.

Your Saga Travel Insurance policy would also cover you for any additional travel expenses, such as a new flight ticket home.

Insurance can be complicated. Visit our frequently asked questions page for some helpful answers to commonly asked questions.

Our Travel Assistance service is there to help you and provide 24-hour worldwide support including:

• How to replace lost or stolen passports, driving licences, air tickets, or other travel documents
• How to trace your luggage if it is lost or delayed
• Why, how, where and when you should contact local embassies or consulates
• How to transfer money from the UK if you need it
• Guidance for you and relatives, friends or employers if you are unfortunately enough to go into hospital plus a ‘phone home’ service
• A translation and interpretation service if you need it.

We hope your holiday goes without a hitch and you don’t have to make a claim, but if you do:

• You’ll only pay one excess for your whole claim. This means that if your claim involves multiple sections of your policy – such as missed departure, baggage and medical treatment – you will only need to pay the excess once
• All our claims advisers are based in the UK and there are no automated telephone menus
• We aim to ensure that every claim is dealt with quickly and with minimum fuss.

Find out more about our claims process.

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. Subject to there being no other Government restrictions in place prohibiting travel. 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 to which the FCDO advise against all travel then we are not able to provide any cover.

Yes, the Global Health Insurance Card (GHIC) is not a substitute for travel insurance – it is complementary to it. A GHIC 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
• If you cancel your policy after the 14 day cooling off period, no refund of premium will be given.

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.